SON GÜNCELLEME: 1 KASIM 2020

 

Bank of America Ticari Kart Gizlilik Bildirimi

 

Bu Gizlilik Bildirimi Bank of America Europe DAC’nin şirket ve kurum halindeki müşterilerimize sağladığımız ticari kartlar, ticari ödemeler ve rapor hazırlama hizmetlerinin (“Hizmetler”) sağlanması ile ilişkili olarak Kişisel Verileri çevrimiçi ve çevrimdışı şekilde nasıl topladığını, kullandığını ve ifşa ettiğini açıklamaktadır. Müşterilerimiz için çalışan kart sahipleri, yolcular ve bireyler gibi Kişisel Verilerini işlediğimiz bireylere bu Bildirimde “siz” olarak değiniyoruz.

 

KİŞİSEL VERİLER

 

Kişisel Veriler” bir bireyi tanımlayan veya tanımlanabilir bir birey ile ilgili olan ve aşağıdakileri de içeren bilgilerdir:

 

  • Ad
  • Posta adresi
  • Telefon numarası
  • E-posta adresi ve elektronik iletişimler için diğer tanımlayıcı adresler
  • Doğum Tarihi
  • Pasaport Bilgileri ve hükümet veya devlet tarafından verilen diğer kişisel kimlik belgeleri (sosyal güvenlik, sürücü belgesi, ulusal sigorta ve daha başka tanımlama numaraları dahil)
  • Unvan
  • Doğrulama yanıtı için annenizin evlenmeden önceki soyadı veya diğer güvenlik soruları ve cevapları
  • Banka hesap bilgileri
  • Çalışan Tanımlayıcı
  • Cihaz Tanımlayıcı
  • Telefon veya elektronik kayıtlar
  • IP Adresi
  • Mallar ve hizmetlerin ödemesi için Ticari Kartların verildiği tüccarların kimliği
  • Satın almaların tarihleri ve tutarı

 

Talep edilen Hizmetleri sağlayabilmek için veya yasa uyarınca yapmamız gerektiği için Kişisel Veriler toplamamız ve işlememiz gerekebilir. İstediğimiz bilgileri elde etmediğimiz zaman talep edilen Hizmetleri sağlama olanağımız olmayabilir.

 

Kişisel Verilerin Toplanması

 

Biz ve temsilcilerimiz, iştiraklerimiz ve hizmet tedarikçilerimiz şunlar dahil çok çeşitli yollarla Kişisel Veri toplayabilir:

 

  • Hizmetler Vasıtasıyla: Hizmetler vasıtasıyla Kişisel Veri toplayabiliriz.
  • Hizmetler Vasıtasıyla olmayanlar: Ticari bir işleme veya sözleşmeye dayalı düzenlemeye katıldığınız zaman olduğu gibi, sizin hakkınızda Hizmetler vasıtasıyla olmayan Kişisel Bilgileri toplayabiliriz.
  • Başka Kaynaklardan: İşvereninizden, Hizmetleri sağladığımız tüzel kişiliklerden ve başka üçüncü taraflardan olduğu gibi başka kaynaklardan Kişisel Veri elde edebiliriz.

 

Kişisel Verilerin Kullanılması: Biz ve hizmet tedarikçilerimiz Kişisel Verileri aşağıdakiler dahil meşru iş çıkarlarımız için kullanabiliriz:

 

  • kartınızı veya müşterimizin kart programını yönetmek ve size veya müşterimize hizmetler sağlamak;
  • işlemleri kolaylaştırmak;
  • ilgili bir kart programının kurallarına uymak;
  • müşterilerimizden gelen sorulara yanıt vermek ve istekleri yerine getirmek, onların hesaplarını yönetmek ve ilişkilerimizi yönetmek;
  • müşteri hesaplarına erişime olanak sağlamak veya çevrimiçi işlemleri yürütmek üzere bir bireyin kimliğini ve/veya yerini (veya temsilcinizin veya aracınızın kimliğini veya yerini) doğrulamak;
  • hesapların ve Kişisel Verilerin güvenliğini korumak;
  • veri analizi, denetlemeler, ürünlerin ve hizmetlerin geliştirilmesi ve iyileştirilmesi, kullanım eğilimlerinin anlaşılması ve promosyon kampanyalarının etki düzeyinin belirlenmesi ve Hizmetlerimizin geliştirilmesi, iyileştirilmesi veya değiştirilmesi dahil olmak üzere iş amaçları için;
  • müşterini tanı, kara para aklama ile mücadele, ayrıntılı inceleme gerekleri, yaptırım kurallarına uyulması, yolsuzluk gözlemleme ve vergi beyanları dahil olmak üzere risk yönetimi, yolsuzluk belirleme ve önleme;
  • yasalara ve yönetmeliklere uymak (her türlü yasa veya mevzuat tavsiyesi, kuralı veya yorumu dahil) ve diğer yasal işlemlere ve yasal yaptırım gereklerine uymak ve
  • müşterilere kurallarımızdaki, koşullarımızdaki ve politikalarımızdaki değişiklikler gibi idari bilgiler göndermek.

 

Lütfen, kara para aklama ve terörizmin finansmanının önlenmesiyle ilgili yasal ve düzenleyici yükümlülüklerimizi yerine getirmek için topladığımız Kişisel Verilerin, aksi belirtilmedikçe veya kararlaştırılmadıkça, yalnızca bu amaçlar için işlendiğini unutmayın.

 

Kişisel Bilgilerinizi, kişiler üzerinde yasal veya benzer önemde etkileri olan sadece otomatik işlemeye (profil çıkarma dahil) dayalı kararlar almak için kullanmayacağız.

 

Kişisel Verilerin İfşa Edilmesi

 

Kişisel Veriler şu kişilere ifşa edilebilir:

 

  • bizim için çalışan herhangi bir kişi veya şirket (hukuk, denetleme ve muhasebe hizmeti tedarikçileri, teknoloji ve veri işleme şirketleri ve BT barındırma tedarikçileri gibi profesyonel hizmet kuruluşları dahil);
  • sizin işvereniniz veya işvereninizin herhangi bir şirketler grubu veya bizim müşterimiz;
  • kartınız veya ticari işleminiz ile bağlantılı olarak size, işvereninize veya bizim müşterimize ürünler veya hizmetler sağlayan herhangi bir kişi (bizim sigortacımız, sigorta aracısı, kart programı, katma değerli hizmetler tedarikçisi, yolculuk yönetimi şirketi dahil);
  • sizin işvereniniz veya bizim müşterimiz ile sahip olduğumuz düzenleme uyarınca haklarımızın veya görevlerimizin herhangi birisini aktardığımız veya aktarabileceğimiz herhangi bir kişi;
  • kartınızı, kart programınızı veya ticari işleminizi sağlamamıza dayanak oluşturan herhangi bir ödeme sistemi;
  • bir sınırlandırma olmaksızın, düzenleyici raporlama yükümlülüklerimiz, terörizm ile mücadele ve kara para aklama ile mücadele yasaları ve yönetmelikleri dahil olmak üzere yasa gereği ve suç ve terörizm ile mücadele amacı ile verileri ifşa etmemiz gereken herhangi bir kuruluş, mahkeme, kurum veya makam (yasal yaptırım makamları ve düzenleyicilerimiz dahil);
  • sizin, işvereninizin veya bizim müşterimizin bizim elimizdeki verileri elde etme veya onlara ulaşma yetkisi verdiği herhangi bir Hesap Bilgileri Hizmet Tedarikçisi veya başka bir üçüncü taraf;
  • bu Gizlilik Bildiriminde açıklanan amaçlar için bizim iştiraklerimiz (iştiraklerimizin listesi istek üzerine temin edilir);
  • web sitesi barındırma, veri analizi, ödemeleri işleme, sipariş yerine getirme, bilgi teknolojisi ve ilgili altyapı sağlama, müşteri hizmeti, e-posta teslimi, kart üretimi, baskı, denetleme gibi veya başka hizmetler sağlayan üçüncü taraf hizmet tedarikçilerimiz.

 

Sahte veya yanlış bilgi vermiş olmanız veya dolandırıcılıktan kuşkulanmamız halinde bunu kaydedeceğiz ve bu bilgileri dolandırıcılık önleme ve yasal yaptırım kuruluşlarına aktarabiliriz.

 

Hesap ile ilişkili olarak herhangi bir ödeme dünya ölçekli bir ödeme sistemi tarafından işleme koyulduğu takdirde sizin hakkınızdaki bilgiler terörizmi belirlemek ve önlemek için bazı makamlara aktarılabilir (İrlanda dışındaki makamlar dahil).

 

Kullanımlarımız ve İfşaatlarımız

 

Ayrıca şunlar için gerekli veya uygun bulduğumuz zaman Kişisel Verileri kullanabilir veya ifşa edebiliriz: (a) bulunduğunuz ülkenin dışındaki yasaları da içerebilecek şekilde geçerli yasalara uymak, bulunduğunuz ülkenin dışındaki makamları da içerebilecek şekilde kamu ve hükümet makamlarından gelen isteklere yanıt vermek, kanuni mercilerle iş birliği yapmak veya başka yasal nedenler yüzünden; (b) hükümlerimizi ve koşullarımızı uygulatmak ve (c) bize ve/veya iştiraklerimize, size veya başkalarına ait hakları, gizliliği, güvenliği veya mülkiyeti korumak.

 

Ayrıca işimizin, varlıklarımızın veya hisselerimizin tamamı veya bir bölümü ile ilgili bir yeniden yapılandırma, birleşme, satış, ortak girişim, temlik, aktarma veya başka bir şekilde elden çıkarma işlemi durumunda (herhangi bir iflas veya benzer işlemler dahil) Kişisel Verileri kullanabilir, ifşa edebilir veya üçüncü bir tarafa aktarabiliriz.

 

DİĞER BİLGİLER

 

Diğer Bilgiler” bir kişinin özgün kimliğini ortaya çıkarmayan veya tanımlanabilir bir birey ile doğrudan ilgili olmayan aşağıdakiler gibi herhangi bir bilgidir:

 

  • Tarayıcı ve cihaz bilgileri
  • Uygulama kullanma bilgileri
  • Çerezler, piksel etiketleri ve başka teknolojiler vasıtasıyla toplanan bilgiler
  • Bir kişinin özgün kimliğini ortaya çıkarmayan şekilde sizin tarafınızdan verilen demografik bilgiler ve başka bilgiler
  • Bir kişinin özgün kimliğini artık ortaya çıkarmayan şekilde toplu hale getirilmiş olan bilgiler

 

Diğer Bilgileri, geçerli yasa uyarınca Kişisel Veri olarak ele almamız gerektiği takdirde bunları Kişisel Verilerin bu Gizlilik Bildiriminde belirtilen kullanma ve açıklama amaçları için kullanabilir ve ifşa edebiliriz.

 

Diğer Bilgilerin Toplanması

 

Biz ve hizmet tedarikçilerimiz Diğer Bilgileri şunlar dahil olmak üzere çok çeşitli yollarla toplayabilir:

 

  • Tarayıcı veya cihaz vasıtasıyla: Ortam Erişim Denetimi (Media Access Control, MAC) adresi, bilgisayar türü (Windows veya Mac), ekran çözünürlüğü, işletim sistemi adı ve sürümü, cihaz üreticisi ve modeli, dil, internet tarayıcısı türü ve sürümü ve kullanılmakta olan Hizmetlerin adı ve sürümü (Uygulama gibi) gibi bazı bilgiler çoğu tarayıcı veya otomatik yoldan cihazlar tarafından toplanmaktadır. Bu bilgileri Hizmetlerin düzgün çalışmasını sağlamak için kullanırız.
  • Çerezlerin kullanılması: Çerezler, kullanılmakta olan bilgisayara depolanan bilgi parçalarıdır. Çerezler tarayıcı türü, Hizmetlerde geçirilen süre, ziyaret edilen sayfalar, dil tercihleri ve daha başka isimsiz trafik verileri gibi bilgileri toplamamızı sağlar. Biz ve hizmet tedarikçilerimiz bu bilgileri güvenlik amaçları, gezinmeyi kolaylaştırmak, bilgileri daha etkili şekilde göstermek ve kullanıcı deneyimini kişiselleştirmek için kullanırız. Ayrıca, Hizmetlerin tasarımını ve işlevselliğini sürekli iyileştirmek, bunların nasıl kullanıldığını anlamak ve bunlar hakkındaki sorunları çözümlememize yardımcı olmak için Hizmetlerin kullanımı hakkında istatistiki bilgiler toplarız. Mevcut durumda tarayıcının izleme yapılmaması yönündeki sinyallerine yanıt vermiyoruz.
  • Tarayıcıların birçoğu bireylere çerezleri otomatik şekilde reddetme veya belli bir web sitesinden belli bir çerezi (veya çerezleri) ret veya kabul etme seçeneği tanınması olanağı sağlamaktadır. Daha fazla bilgi için lütfen http://www.allaboutcookies.org/manage-cookies/index.html adresine bakınız. Çerezlerin reddedilmesi Hizmetlerin bazı bölümlerinin çalışmayı durdurmasına yol açabilir.
  • Piksel etiketlerinin ve diğer benzer teknolojilerin kullanılması: Başka şeylerin yanında piksel etiketleri (clear GIF olarak da bilinir) Hizmetlerin kullanıcılarının (e-posta alıcıları dahil) davranışlarını izlemek, pazarlama kampanyalarımızın başarısını ölçmek ve Hizmetlerin kullanımı ve yanıt oranları hakkında istatistik derlemek için kullanılır.
  • Analiz işlemleri: Hizmetlerin kullanımı hakkında bilgi toplamak, bunları analiz etmek ve faaliyetler ve eğilimler hakkında rapor hazırlamak için çerezler ve benzer teknolojilerden faydalanan Google Analytics’i kullanabiliriz. Bu hizmet aynı zamanda başka web sitelerinin, uygulamaların ve çevrimiçi kaynakların kullanımı hakkında da bilgi toplayabilir. Google uygulamaları hakkında daha fazla bilgi için www.google.com/policies/privacy/partners adresine bakabilirsiniz. Flash LSO'ları ve diğer teknolojileri, diğerlerinin yanı sıra, Hizmetleri kullanımınızla ilgili bilgileri toplamak ve saklamak için kullanabiliriz. Eğer Flash LSO’ların bilgisayarınızda depolanmasını istemiyorsanız, Flash LSO depolamasını
    engellemek için Flash Player’ınızın ayarlarını, http://www.macromedia.com/support/documentation/en/flashplayer/help/settings_manager07.html adresine giderek bulabileceğiniz Web Sitesi Depolama Ayarları Paneli (Website Storage Settings Panel) içinde yer alan araçları kullanarak değiştirebilirsiniz. Ayrıca http://www.macromedia.com/support/documentation/en/flashplayer/help/settings_manager03.html adresindeki Global Depolama Ayarları Paneline (Global Storage Settings Panel) gidebilir ve (Flash LSO’ların (“bilgi” olarak da bilinir) bilgisayarınıza izniniz olmadan yerleştirilmesinin nasıl önleneceği ve o sırada bulunduğunuz sayfadaki operatör tarafından iletilmeyen Flash LSO’ları nasıl engelleyebileceğinize yönelik, örneğin mevcut Flash LSO'ların nasıl silineceğini açıklayabilecek) talimatları izleyebilirsiniz. Lütfen, Flash Player'ı Flash LSO'ların kabulünü kısıtlamak veya sınırlandırmak için ayarlamanın, bazı Flash uygulamalarının işlevselliğini azaltabileceğini veya engelleyebileceğini unutmayın.
  • IP Adresi: IP adresi bir bilgisayara İnternet Hizmet Tedarikçisi tarafından otomatik şekilde atanır. Bir kullanıcı Hizmetlere eriştiği zaman ziyaretin zamanı ve ziyaret edilen sayfalar ile birlikte IP adresi belirlenebilir ve sunucumuzun günlük dosyalarına otomatik şekilde kaydedilebilir. IP adreslerinin toplanması standart bir uygulamadır ve birçok web sitesi, uygulama ve başka hizmetler tarafından otomatik şekilde yapılmaktadır. Kullanım düzeylerini hesaplamak, sunucu sorunları için tanı çalışması yapmak ve Hizmetleri yönetmek gibi amaçlar için IP adreslerini kullanırız. Ayrıca IP adresinden yaklaşık konumu elde edebiliriz.

 

Diğer Bilgilerin Kullanılması ve İfşa Edilmesi

 

Geçerli yasa uyarınca aksini yapmamızın gerekli tutulması dışında Diğer Bilgileri her türlü amaç için kullanabilir ve ifşa edebiliriz. Bazı durumlarda Diğer Bilgileri Kişisel Veriler ile birleştirebiliriz. Bunu yaptığımız zaman, birleştirilen bilgileri, birleştirildiği ölçüde Kişisel Veri olarak ele alacağız.

 

ÜÇÜNCÜ TARAF HİZMETLERİ

 

Bu Gizlilik Bildirimi, Hizmetlerin bağlantı verdiği herhangi bir web sitesini veya hizmeti işleten herhangi bir üçüncü taraf dahil olmak üzere hiçbir üçüncü tarafın gizlilik, bilgi ve başka şeylerle ilgili uygulamalarını ele almamaktadır ve bunlardan sorumlu tutulmayacağız. Hizmetlere bir bağlantı dahil edilmesi, bağlantı verilen sitenin veya hizmetin biz veya iştiraklerimiz tarafından onaylandığı anlamına gelmez.

 

GÜVENLİK

 

Kuruluşumuz içinde Kişisel Verileri korumak için makul kurumsal, teknik ve idari önlemler kullanmaya çalışıyoruz. Ne yazık ki hiçbir veri iletim veya depolama sisteminin %100 güvenli olduğu garanti edilemez. Bizimle etkileşiminizin artık güvenli olmadığına inanmak için nedeniniz olduğu zaman, lütfen aşağıdaki “Bizimle İletişim” bölümüne uygun şekilde hemen bize bildirin.

 

Bireylerin Kişisel Verilerine erişme, bunları değiştirme veya lağvetme yöntemi

 

Bize daha önce vermiş olduğunuz Kişisel Verilere dair inceleme, düzeltme, güncelleme, lağvetme, kısıtlama veya silme talebinde bulunmak istediğiniz ya da başka bir şirkete iletmek amacı ile Kişisel Verilerinizin elektronik kopyasını almayı talep etmek istediğiniz zaman (bu veri taşıma hakkı geçerli yasa tarafından size sağlanmış olduğu ölçüde) bizimle 00800 0456 7890 numaralı telefondan iletişim kurabilirsiniz. Geçerli yasalara uygun şekilde isteğinize yanıt vereceğiz.

 

İsteğinizde, lütfen hangi Kişisel Verilerin değiştirilmesini istediğinizi, Kişisel Verilerin bizim veri tabanımızdan kaldırılmasını isteyip istemediğinizi veya Kişisel Verilerinizi kullanmamıza hangi sınırlandırmaları koymak istediğinizi bize açıkça bildirin. Sizin korunmanız bakımından, yalnızca isteğinizi bize göndermek için kullandığınız e-posta adresi ile ilişkili olan Kişisel Veriler bakımından isteklerinizi uygulayabiliriz ve isteğinizi uygulamadan önce kimliğinizi doğrulamamız gerekebilir. İsteğinizi makul olan en kısa zamanda yerine getireceğiz.

 

Kayıt tutma ve/veya mevzuat amaçlarıyla ve/veya bir değişiklik veya silme işlemi talep etmenizden önce başlamış olduğunuz herhangi bir işlemi tamamlamak için bazı bilgileri elde tutmamız gerekebileceğini lütfen göz önünde bulundurun. Ayrıca veri tabanlarımızda ve başka kayıtlarımızda kalacak olan artık bilgiler bulunabilir ve bunlar kaldırılmayacaktır. Bir silme işlemi talep etmeniz halinde size artık Hizmet sunma olanağımız kalmayabilir.

 

ELDE TUTMA SÜRESİ

 

Kişisel Verileri bunların elde edilme amaçları ışığında gerekli olduğu veya izin verildiği sürece elde tutacağız. Elde tutma sürelerimizi belirlemek için kullanılan kıstaslar şunları içerir: (i) müşterimizle sürekli bir ilişkiye sahip olduğumuz ve Hizmet sunduğumuz süre; (ii) tabi olduğumuz bir yasal zorunluluk olup olmadığı veya (iii) hukuki konumumuz ışığında elde tutmanın uygun olup olmadığı (geçerli sınırlandırma yasaları, dava açılması veya idari soruşturmalar bakımından gibi).

 

HİZMETLERİN REŞİT OLMAYANLAR TARAFINDAN KULLANILMASI

 

Hizmetlerimiz on sekiz (18) yaşın altındaki bireyleri hedeflememektedir ve 18 yaşın altındaki bireylerden bilerek Kişisel Veri toplamayız.

 

YETKİ BÖLGESİ VE SINIR ÖTESİNE AKTARMA İŞLEMLERİ

 

Kişisel Veriler, Amerika Birleşik Devletleri dahil, tesislerimizin bulunduğu veya hizmet tedarikçileri görevlendirdiğimiz herhangi bir ülkede saklanabilir ve işlenebilir. Bazı durumlarda bu diğer ülkelerin mahkemeleri, yasal yaptırım mercileri, idari kuruluşları veya güvenlik makamları Kişisel Verilere erişme yetkisine sahip olabilir.

 

Avrupa Ekonomik Alanı (EEA) içinde bulunmanız halinde: Bazı EEA dışı ülkeler, Avrupa Komisyonu tarafından EEA standartlarına göre yeterli bir veri koruma düzeyi sağlıyor şeklinde tanınır (bu ülkelerin tam listesi burada mevcuttur https://ec.europa.eu/info/law/law-topic/data-protection_en. EEA'dan, Avrupa Komisyonu tarafından yeterli görülmeyen ülkelere yapılan aktarımlarda, Kişisel Verileri korumak için Avrupa Komisyonu tarafından kabul edilen standart sözleşme maddeleri gibi yeterli tedbirleri yürürlüğe koymuş bulunuyoruz. Devamında sunulan bağlantıyı izleyerek bu önlemlerin kopyasını alabilirsiniz: https://ec.europa.eu/info/law/law-topic/data-protection/data-transfers-outside-eu/model-contracts-transfer-personal-data-third-countries_en.

HASSAS BİLGİLER

 

Normal koşullar altında Hizmetlerle bağlantılı hassas Kişisel Veriler toplamayız. Lütfen Hizmetler vasıtası ile veya başka bir şekilde bize hiçbir hassas Kişisel Veri (örneğin, ırksal veya etnik köken, siyasi görüşler, dini veya başka inançlar, sağlık, biyometrik veya genetik özellikler, adli sicil veya sendika üyeliği ile ilgili bilgiler) göndermeyin.

 

BU GİZLİLİK BİLDİRİMİNDEKİ GÜNCELLEMELER

 

Bu Gizlilik Bildirimini zaman zaman değiştirebiliriz. Bu Gizlilik Bildiriminin en üst tarafındaki “Son Güncelleme” açıklaması bu Gizlilik Bildiriminin en son değiştirildiği zamanı gösterir. Tüm değişiklikler, değiştirilmiş Gizlilik Bildirimini Hizmetlerde duyurduğumuz zaman yürürlüğe girecektir. Bu değişikliklerden sonra Hizmetlerin kullanılması, değiştirilmiş Gizlilik Bildiriminin kabul edildiğini (veya Kişisel Verilerin tarafımıza sağlanmasına devam edilmesini kabul ettiğinizi) gösterir.

 

BİZİMLE İLETİŞİM

 

Bu Gizlilik Bildirimi ile ilgili sorularınız olduğu zaman lütfen 00800 0456 7890 numaralı telefondan veya şu adresten bize ulaşın:

 

Bank of America Commercial Card, Amadeo Financial Centre, Chester Business Park, Chester, CH4 9FE, İngiltere.

 

Bank of America Europe DAC, Two Park Place, Hatch Street, Dublin 2, İrlanda. İrlanda’da tescil edilmiştir (No. 229165). KDV No. IE 8229165F. Tescilli İş Yeri: Two Park Place, Hatch Street, Dublin 2, İrlanda, bu Gizlilik Bildirimi kapsamında Kişisel Verilerinizin toplanması, kullanılması ve ifşa edilmesinden sorumlu olan şirkettir.

 

EEA İÇİN İLAVE BİLGİ

 

EEA içindeki bireyler olarak aynı zamanda:

 

  • bu Gizlilik Bildirimiyle ilgili tüm sorular için 00800 0456 7890 numaralı telefondan bize ulaşabilir; veya
  • ülkeniz veya bölgeniz için yetkili olan bir denetleme makamına şikayette bulunabilir; veya
  • BOFA.EUDPO@bofa.com adresinden AB Veri Koruma Yetkilimizle iletişime geçebilirsiniz.

 

Fransız yasaları uyarınca, kişilerin, ölümlerinden sonra Kişisel Verilerinin elde tutulması, silinmesi ve ifşa edilmesine ilişkin kılavuz ilkeleri belirleme hakkı olacaktır. Bahsi geçen hak, “Bizimle İletişim” bölümünde belirtildiği şekilde bizimle irtibat kurularak kullanılabilir.

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General Disclaimer for Bank of America Merrill Lynch

“Bank of America Merrill Lynch” is the marketing name for the global banking and global markets businesses of Bank of America Corporation. Lending, derivatives, and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC. Securities, strategic advisory, and other investment banking activities are performed globally by investment banking affiliates of Bank of America Corporation (“Investment Banking Affiliates”), including, in the United States, BofA Securities, Inc., Merrill Lynch, Pierce, Fenner & Smith Incorporated, and Merrill Lynch Professional Clearing Corp., all of which are registered broker-dealers and Members of SIPC, and, in other jurisdictions, by locally registered entities. BofA Securities, Inc., Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch Professional Clearing Corp. are registered as futures commission merchants with the CFTC and are members of the NFA.

Investment products offered by Investment Banking Affiliates:
Are Not FDIC Insured • May Lose Value • Are Not Bank Guaranteed.
©2020 Bank of America Corporation.

Disclaimer for Australia:

"Bank of America" is the marketing name for the lending, derivatives and other commercial banking activities of Bank of America Corporation ("BAC"). These activities are performed globally by banking affiliates of BAC and in Australia by Bank of America, N.A. Australian Branch ("BANA Australia"). "BofA Securities" is the marketing name for the securities, corporate advisory and capital markets activities of BAC. These activities are performed in Australia by Merrill Lynch Markets (Australia) Pty. Limited, Merrill Lynch (Australia) Futures Limited, Merrill Lynch Equities (Australia) Limited and their related bodies corporate which hold, or are exempt from the requirement to hold, an Australian Financial Services Licence. Apart from BANA Australia, none of the other BAC entities including BAC itself is an Authorised Deposit-taking Institution authorised under the Banking Act 1959 of Australia regulated by the Australian Prudential Regulation Authority. The obligations of BAC entities (other than BANA Australia) do not represent deposits or other liabilities of BANA Australia and are not guaranteed by BANA Australia.

©2020 Bank of America Corporation.

Disclaimer for India:

Bank of America, N.A. is a subsidiary of Bank of America Corporation, operating in India. Bank of America provides the following banking products in India: working capital and term loans, structured finance, export finance, global cash management, trade products, foreign exchange services and currency solutions. Lending, derivatives, and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC.

Securities, strategic advisory, and other investment banking activities are performed globally by investment banking affiliates of Bank of America Corporation ("Investment Banking Affiliates"), including, in India by DSP Merrill Lynch Ltd, which provides the following services in India: Research, Equity Sales & Trading, Futures & Options, Electronic Trading, Equity Capital Markets, Debt Capital Markets and M&A. Investment products offered by Investment Banking Affiliates: Are Not FDIC Insured . May Lose Value . Are Not Bank Guaranteed.

©2020 Bank of America Corporation.

Disclaimer for Brazil:

“Bank of America” and “BofA Securities” are the marketing names used by the Global Banking and Global Markets divisions of Bank of America Corporation.  Lending, other commercial banking activities, and trading in certain financial instruments are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC.  Trading in securities and financial instruments, and strategic advisory and other investment banking activities, are performed globally by investment banking affiliates of Bank of America Corporation (“Investment Banking Affiliates”), including, in the United States, BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp., both of which are registered broker-dealers and Members of SIPC, and, in other jurisdictions, by locally registered entities.  BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp. are registered as futures commission merchants with the CFTC and are members of the NFA.

Ouvidoria Bank of America Merrill Lynch1 | DDG: 0800 886 2000

1Bank of America Merrill Lynch Banco Múltiplo S.A. and Merrill Lynch S.A. Corretora de Títulos e Valores Mobiliários

Investment products offered by Investment Banking Affiliates:

Are Not FDIC Insured • May Lose Value • Are Not Bank Guaranteed.

© 2020 Bank of America Corporation. All rights reserved.

Disclaimer for Latin America:

“Bank of America” and “BofA Securities” are the marketing names used by the Global Banking and Global Markets divisions of Bank of America Corporation.  Lending, other commercial banking activities, and trading in certain financial instruments are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC.  Trading in securities and financial instruments, and strategic advisory and other investment banking activities, are performed globally by investment banking affiliates of Bank of America Corporation (“Investment Banking Affiliates”), including, in the United States, BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp., both of which are registered broker-dealers and Members of SIPC, and, in other jurisdictions, by locally registered entities.  BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp. are registered as futures commission merchants with the CFTC and are members of the NFA.

Investment products offered by Investment Banking Affiliates:

Are Not FDIC Insured * May Lose Value * Are Not Bank Guaranteed

Bank of America Corporation and its affiliates do not perform in any jurisdiction banking activities that are reserved by local law to licensed banks, except in those jurisdictions where its banking affiliates have procured the necessary licenses.

Unless otherwise indicated, all services/products are conducted on an offshore basis for Latin America. Some or all of the products may not be available in certain jurisdictions and are subject to change without notice.

This document and its content are for information purposes and shall not be interpreted as banking or financial intermediation, business solicitation and/or public offering of any kind.

“Merrill Lynch” is the trademark that Bank of America Corporation uses in the Republic of Argentina for its capital market, financial advisory and investment businesses, which are conducted by and through Merrill Lynch Argentina S.A.. This entity does not conduct any activities subject to banking license, such as capturing deposits from the public.

Bank of America México, S.A., Institución de Banca Múltiple is a banking affiliate in Mexico of Bank of America Corporation.

Bank of America N.A., Oficina de Representacion (Colombia), is a representative office in Colombia of Bank of America N.A., supervised by the Superintendencia Financiera de Colombia and authorized to promote in Colombia select products and services that Bank of America N.A. and BofA Securities, Inc. provides outside of Colombia. Neither Bank of America, N.A., nor its Representative Office in Colombia, is authorized to carry out in Colombia any activities that are reserved by Colombian law to locally licensed banks.

Bank of America N.A., Oficina de Representacion (Peru), is a representative office in Peru of Bank of America N.A., supervised by the Superintendencia de Banca, Seguros y Administradoras Privadas de Fondos de Pensiones and authorized to promote in Peru select products and services that Bank of America N.A. and its Investment Banking Affiliates provide outside of Peru. Neither Bank of America, N.A., nor its Representative Office in Peru, is authorized to carry out in Peru any activities that are reserved by Peruvian law to locally licensed banks.

Bank of America N.A., Oficina de Representacion (Chile), is a representative office in Chile of Bank of America N.A., supervised by the Comisión para el Mercado Financiero and authorized to promote in Chile select products and services that Bank of America N.A. provides outside of Chile. Neither Bank of America, N.A., nor its Representative Office in Chile, is authorized to carry out in Chile any activities that are reserved by Chilean law to locally licensed banks.

Bank of America Corporation does not have banking affiliates, branches or bank representative offices in any other jurisdiction in Latin America.

©2020 Bank of America Corporation.

Disclaimer for France:

BofA Securities Europe SA (“BofASE”) with registered address at 51, rue La Boétie, 75008 Paris, registered under n° 842 602 690 RCS Paris, is governed by articles L. 531-1 and following of the monetary and financial code. BofASE is authorized as an investment firm by the Autorité de Contrôle Prudentiel et de Résolution (“ACPR”), is regulated by the ACPR and the Autorité des Marchés Financiers, and is not a credit institution. BofASE’s share capital is 5,276,300,000 €.

©2020 Bank of America Corporation.

Disclaimer for Hong Kong:

“Bank of America” and “BofA Securities” are the marketing names used by the Global Banking and Global Markets divisions of Bank of America Corporation. Lending, other commercial banking activities, and trading in certain financial instruments are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, National Association, Member FDIC. Trading in securities and financial instruments, and strategic advisory, and other investment banking activities, are performed globally by investment banking affiliates of Bank of America Corporation (“Investment Banking Affiliates”), including, in the United States, BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp., both of which are registered broker-dealers and Members of SIPC, and, in other jurisdictions, by locally registered entities. BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp. are registered as futures commission merchants with the CFTC and are members of the NFA.

Bank of America, National Association, Hong Kong Branch, is a branch of a national banking association organized and existing with limited liability under the laws of the United States of America.

Disclaimer for Canada:

"Bank of America" and “BofA Securities” are the marketing names used by the Global Banking and Global Markets divisions of Bank of America Corporation. Lending, other commercial banking activities, and trading in certain financial instruments are performed globally by banking affiliates of Bank of America Corporation including Bank of America, National Association, Canada Branch (BANA CB ) which is an authorized foreign bank regulated by the Office of the Superintendent of Financial Institutions. Deposits with BANA CB are not insured with the Canada Deposit Insurance Corporation.  BANA CB shall not impose undue pressure on, or coerce, a person to obtain a product or service from a particular person, including bank and any of its affiliates, as a condition for obtaining another product or service from BANA CB.

Trading in securities and financial instruments, and strategic advisory and other investment banking activities, are performed globally by investment banking affiliates of Bank of America Corporation including in Canada by Merrill Lynch Canada Inc. which is a registered broker-dealer regulated by the Investment Industry Regulatory Organization of Canada (IIROC) and a member of the Canadian Investor Protection Fund (CIPF).  Merrill Lynch Canada Inc. is registered as an Approved Participant of the Bourse de Montreal.

Disclosure of best execution obligations and routing practices for Merrill Lynch Canada Inc. (IIROC Dealer Member Rule 3300)

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Terms and Conditions

These Terms and Conditions ("Terms and Conditions") are for the Bank of America Corporation ("Bank of America") website and those websites of its affiliates (collectively the "Sites") including Bank of America, N.A., Merrill Lynch, Pierce, Fenner & Smith Incorporated, BofA Securities, Inc., Bank of America Capital Management and certain other affiliates enumerated herein (collectively "Affiliates") that are available through the Bank of America Sites and apply to all services, programs, information and products (collectively "Service") that you ("Client") may use or otherwise access from time to time through the Sites ("Agreement").

USE OF SITES

Client agrees that any trade confirmation, account statement or other document delivered through the Sites by "clicking" on the designated spaces in or relating to such document shall be deemed to be "in writing" and to have been "signed" and delivered for all purposes by Client. Any record of such transaction or confirmation (including, without limitation, electronic records) shall be deemed to be "in writing." Client further agrees that it shall not contest the legally binding nature, validity or enforceability of any transaction, document or confirmation based on the fact that it has been executed by "clicking" on the designated spaces and expressly waives any and all rights it may have to assert such claim.

Bank of America hereby grants to Client a worldwide, non-exclusive, non-sublicensable, non-transferable, non-assignable, personal right and license to access and use the Sites solely for Client's internal use in accordance with the terms of this Agreement. Client accepts the right and license granted herein to access and use the Sites solely in accordance with this Agreement and any rules or restrictions or procedures published by Bank of America on the Sites from time to time. Client acknowledges and agrees that the Sites, and all intellectual property and proprietary rights therein and thereto, anywhere worldwide, including such rights in copyrights, trademarks, service marks, trade dress, patents, patent applications and trade secrets and other proprietary and/or confidential information (collectively, "IP"), are the valuable property of Bank of America and/or its affiliates and licensors. Other than the license granted hereunder, Client obtains no rights to the Sites. Client may not access or use the Sites in any way that may infringe any IP right of Bank of America or its Affiliates or licensors. Client promptly shall notify Bank of America of any actual or threatened infringement or misappropriation of IP, or any portion thereof, of which it becomes aware. Client acknowledges and agrees that it will not use, or allow the use of the Sites in contravention of, and will comply with, any applicable laws, rules, regulations or interpretations (collectively, "Applicable Law").

Client agrees that it will not, and will not authorize or permit any person ("Authorized Person") under its control, under any circumstance to:

  • sell, lease, transfer, recirculate, republish, redistribute, make available or otherwise provide access to the Sites, or any portion thereof or data thereon, to any person other than its Authorized Persons, including through oral, written, or electronic means whether as a demonstration or otherwise;
  • photocopy, download or otherwise reproduce in any medium any portion of the Sites, except that Client may download into Client's internal computer system, or print a hard copy of, content on the Sites, in whole or in part, provided that, in each case, all copyright and other proprietary notices are retained and complied with; or
  • alter, decompile or reverse engineer any software component of the Sites.

All cost and expense of equipment, operating platforms, and software necessary to access and use the Sites, and the maintenance thereof shall be the sole responsibility of Client.

No provision of these Terms and Conditions shall restrict Client from taking any action required by any Applicable Law, any self-regulatory organization or any governmental entity to which it is subject. Prior to taking any such action, Client shall, to the extent reasonably practicable given the then-current circumstances, notify Bank of America in writing thereof and consult with Bank of America regarding the steps to be taken to ensure compliance with Applicable Law.

CLIENT ACKNOWLEDGES AND AGREES THAT IT WILL BE RESPONSIBLE TO ENSURE THAT ANY ACTIVITY UNDERTAKEN BY CLIENT OR ITS AUTHORIZED PERSONS IN ANY JURISDICTION AND WITH ANY PERSON IN WHOLE OR IN PART ON OR THROUGH THE SITES IS IN COMPLIANCE WITH APPLICABLE LAW.

Client agrees to provide Bank of America with all information, cooperation and assistance, documents and data as shall reasonably be requested by Bank of America in order to enable Bank of America to comply with any and all Applicable Law. Client understands and agrees that Bank of America may report such information to regulatory authorities to the extent necessary, in its reasonable discretion, to comply with Applicable Law.

SECURITY

Bank of America shall assign to each Authorized Person a unique User ID ("User ID") and a corresponding password and/or other access codes (each, an "Access Code") to enable Authorized Persons to access and use such functions within the Sites as Client shall authorize. Client shall (i) maintain, (ii) take appropriate steps to ensure that its officers and employees maintain, and (iii) inform all Authorized Persons of Client's obligation to maintain, the confidentiality of User IDs and Access Codes and the security of the Sites. Client shall not permit any person other than an Authorized Person to access or use the Sites on its behalf or to use any User ID or Access Code and shall educate and familiarize those Authorized Persons who access and/or use the Sites with Client's obligations under this Agreement. Client acknowledges and agrees that Client and/or its Authorized Persons may access the Sites through the World Wide Web or other Internet service which is not necessarily secure, and Bank of America does not warrant that such system is secure. Client agrees to be bound by all communications (and the consequences thereof) placed on, executed through or facilitated by the Sites that are accompanied by a valid User ID and a valid Access Code assigned to Client or an Authorized Person. Upon becoming aware of, or if Client suspects, a technical failure or any improper access to or use of the Sites or Access Codes by any Authorized Person or other person, Client shall promptly notify Bank of America of such occurrence, and shall, as promptly as practicable, to the extent any improper access or use is by an Authorized Person, take immediate actions to terminate such Authorized Person's access to and use of the Sites. Bank of America reserves the right to limit or terminate Client’s or any Authorized Person’s access to and use of the Sites immediately and without notice.

NO OFFERS

Unless specifically identified as an offer to sell or a solicitation of any offer to buy, under no circumstances should any information on the Sites be used as or considered to be an offer to sell or a solicitation of any offer to buy the securities or any other instruments of Bank of America or any other issuer. Offers can only be made where lawful under applicable law. Any information, services, or securities offered via the Sites are intended to be available only to residents of Argentina, Brazil, Canada, France, Germany, Hong Kong, Ireland, Japan, Italy, Korea, the Netherlands, Singapore, the United States and the United Kingdom. The viewing or distribution of the Sites may be restricted by law in certain jurisdictions. Persons using the Sites are required to inform themselves about and observe any legal restrictions on the use of the Sites and any restrictions set forth in the Sites. The Sites do not constitute an offer of, or a solicitation to purchase any securities in any jurisdiction in which such offer or invitation would be unlawful. If you wish to obtain further details about any information contained through the Sites, there are several areas on the Sites that will provide you with contact information.

DISCLOSURE OF INTEREST

Affiliates of Bank of America may make a market or deal as principal in the securities mentioned in these Sites or in options based thereon. In addition, Bank of America or its Affiliates, their shareholders, directors, officers and/or employees, may from time to time have long or short positions in such securities or in options, futures or other derivative instruments based thereon. One or more directors, officers and/or employees of Bank of America or its Affiliates may be a director of the issuer of the securities mentioned at these Sites. Bank of America or its Affiliates may have managed or co-managed a public offering of, or acted as initial purchaser or placement agent for a private placement of, any of the securities of any issuer mentioned on the Sites, or may from time to time perform consulting, advisory, lease, loan solicitation, investment banking or other services for, or solicit investment banking or other business from, mentioned companies.

ACCOUNT INFORMATION

Certain information from Client’s account(s) at Bank of America or its Affiliates is accessible on the Sites and can be downloaded by Client ("Account Information"). While Bank of America and its Affiliates believe that this Account Information will be accurate at the time of access and/or downloading by Client, this information may have certain technical flaws, typographical errors or other inaccuracies. Additionally, the Account Information is subject to immediate change resulting from market conditions, price fluctuations and other related factors. Bank of America and its Affiliates expressly disclaim any responsibility or liability for the accuracy or use of such Account Information upon its being downloaded by Client and will not be liable for any difficulty, damage or inaccessibility of such information due to hardware or software incompatibility.

PRICING AND MARKET INFORMATION

Actual prices can be obtained only on a real-time, expressly agreed-upon basis. Any indicative valuations on the Sites are provided for information only. They are not an offer to enter into, transfer and assign or terminate any transaction, or a commitment by Bank of America or its Affiliates to make such an offer. An indicative valuation may differ substantially from an actual value. Such estimates do not necessarily reflect Bank of America’s or its Affiliates’ internal bookkeeping or theoretical model-based valuations. Certain factors, which may not have been assessed for purposes of these valuations, including, for example, notional amounts, credit spreads, underlying volatility, costs of carry or use of capital and profit, may substantially affect a stated valuation. Indicative valuations may vary significantly from indicative valuations available from other sources. While Bank of America and its Affiliates have obtained the information on which these evaluations are based from sources they believe are reliable, Bank of America and its Affiliates make no representations or warranties with respect to any indicative valuations. Prior to the execution of a Transaction based upon the Content of these Sites, Client is advised to consult with its broker or other financial representative to verify pricing information.

HYPOTHETICAL OR PAST PERFORMANCE

Hypothetical or simulated performance results have inherent limitations. Unlike an actual performance record, simulated results do not represent actual trading. Also, since the trades have not actually been executed, the results may have under or over-compensated for the impact, if any, of certain market factors, such as lack of liquidity. Simulated trading programs in general are designed with the benefit of hindsight. Past performance is not indicative of future results; no representation is being made that any account will or is likely to achieve profits or losses similar to those shown.

MATERIAL IN ITS ENTIRETY

All materials at these Sites are meant to be reviewed in their entirety, including any footnotes, legal disclaimers, restrictions or disclosures, or any copyright or proprietary notices. Any disclaimers, restrictions, disclosure or hedge clauses apply to any partial document or material in the same manner as they do to the whole, and will be deemed incorporated in the portion of any material or document that you consult or download.

LINKED SITES

Certain hyperlinks on the Sites may link websites maintained by the Affiliates, which are not to be considered a part of the Sites. Certain other links on the Sites to non-affiliated third-party sites may contain information over which we have no control. We take no responsibility for the content, accuracy, content, completeness, timeliness, current value or any aspect of the information on these sites and disclaim any liability to Client for it or for any consequence of your decision to use the links provided or your use of such information. Links to non-Bank of America sites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such sites. We also disclaim all liability and make no representations or warranties for any products or services sold or provided to Bank of America or its Affiliates by any third party. Your purchase of products or services through one of those other sites is subject to agreements and/or the terms and conditions in effect between Client and the providers of products and services at those other sites. Client agrees that it shall not bring a suit or claim against Bank of America or its Affiliates arising from or based on your purchase or use of products or services through those other sites. Links do not imply that Bank of America, its Affiliates or the Sites sponsors, endorses, is affiliated or associated with, or is legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the links, or that any linked sites is authorized to use any trademark, trade name, logo or copyright symbol of Bank of America or its Affiliates.

CONTENT AND SERVICE AVAILABILITY

Bank of America or its Affiliates may make changes to the Sites and reserves the right to do so without prior notice to you. Client acknowledges that not all products and services listed or discussed in the Sites are available in all geographic areas. Your eligibility for particular products and services is subject to final determination and acceptance by Bank of America or its Affiliates.

CONSENT TO ELECTRONIC DELIVERY

You agree to receive certain documents and information provided by Bank of America and its Affiliates through the Sites and/or through email provided to you via the Sites. This delivery will generally consist of certain Content on the Sites, and certain other documents relating to Bank of America and its Affiliate’s business. This electronic provision and delivery will be regarded by you as appropriate delivery pursuant to any delivery requirements under the various statutes and rules, where applicable, of the Securities and Exchange Commission, the National Association of Securities Dealers and any state or other jurisdiction. You acknowledge that you have the appropriate technological equipment to use the Sites and to receive email via the Internet and understand that your use of the Internet may incur certain operational costs such as monthly fees for a service provider. You agree to notify Bank of America or the applicable Affiliate in the event that you no longer desire to receive content through this delivery procedure and will allow a reasonable amount of time to permit proper delivery to you through other means.

NO WARRANTY

Client acknowledges that any information provided through the Sites is not intended to be a recommendation, offer or solicitation of any particular products or services. In addition, all research, analysis and similar market information from non-affiliated third parties provided represent the views and opinions solely of the author or the indicated source. Bank of America and its Affiliates do not independently verify the accuracy or completeness of such information, nor does Bank of America and its Affiliates endorse any particular views expressed therein. Except for offering memoranda, Bank of America and its Affiliates disclaim any liability to Client for this information or for any consequence of your decision to use it. Client agrees that it shall independently confirm any such information presented through the Sites before relying on such information. Bank of America, its Affiliates and their respective employees, contractors, agents and various contributors to the Sites have no duty to correct or update any inaccurate or out-of-date information on the Sites.

Client acknowledges that it is acting for its own account, and it has made its own independent decisions to enter into a Transaction and as to whether a Transaction is appropriate or proper for it based upon its own judgment and upon advice from such advisors as it has deemed necessary. Client is not relying on any communication (written or oral) of Bank of America or its Affiliates as investment advice or as a recommendation to enter into a Transaction; it being understood that information and explanations related to the terms and conditions of a Transaction shall not be considered investment advice or a recommendation to enter into that Transaction. Further, Client has not received from Bank of America or its Affiliates any assurance or guarantee as to the expected results of a Transaction.

COMPLIANCE WITH LAWS AND INDEMNITY

The Sites may be used only for lawful purposes. Client’s conduct may be subject to local, state, national and international laws. Client agrees that it and any of its Authorized Persons shall comply with this Agreement, applicable laws, rules, regulations, ordinances and other similar national and international requirements of the country, state and province in which you are accessing and using the Sites.

Client agrees to abide by applicable export control laws and not to transfer, by electronic transmission or otherwise, any content on the Sites subject to restrictions under such laws to a national destination prohibited under such laws, without first obtaining, and then complying with, any requisites government authorization. Client further agrees not to upload to the Sites any data or software that cannot be exported without prior written government authorization, including, but not limited to, certain encryption software. This assurance and commitment shall survive termination of these Terms and Conditions. Offices, residents and operations of your organization in Cuba, Iran, Iraq, Libya, North Korea, Sudan, Syria and any other countries that are the subject of sanctions by the United States Office of Foreign Asset Control or other general U.S. embargo restrictions are not permitted to access and use the Sites, and any such access and use is a violation of these Terms and Conditions.

Upon request by Bank of America or its Affiliates, you agree to defend, indemnify and hold harmless Bank of America, its Affiliates, their officers, directors, employees, agents, contractors or other suppliers from all liabilities, claims and expenses, including attorneys fees, that arise from a breach of these Terms and Conditions for which you are responsible, or from third-party claims arising from your use of the Sites. Bank of America and its Affiliates reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you. Notwithstanding the foregoing, you are not required to indemnify Bank of America or its Affiliates for its own violations of applicable laws.

  • FOR RESIDENTS OF BRAZIL:

    The information contained here does not constitute a public offering or distribution of securities in Brazil and no registration or filing with respect to any securities or financial products available on the Sites has been made with Commisao de Valores Mobiliarios.

  • FOR RESIDENTS OF CANADA:

    The information contained here does not constitute a public offering or distribution of securities in Canada or any of its provinces. No registration or filing with respect to any securities or financial products available on the Sites has been made with any regulatory agency thereof.

  • FOR RESIDENTS OF FRANCE:

    The Sites do not constitute a solicitation to enter into a transaction involving financial instruments, is not being distributed in the context of a public offer in France within the meaning of Article L. 411–1 of the Monetary and Financial Code, and has thus not been submitted to the COB for prior approval and clearance procedure. Any offers, sales or distribution of financial instruments through the Sites shall only be made in France to qualified investors (investisseurs qualifi?s) as defined in and in accordance with Article L. 411-2 of the Monetary and Financial Code and d?cret no. 98–880 dated 1st October, 1998. The contents of the Sites may not be redistributed or reproduced (in whole or in part) by any User. The Sites are made available with the understanding that Users will make investment decisions for their own account with the conditions set out in d?cret no. 98–880 dated 1st October, 1998. By using the Sites, Users undertake not to transfer, directly or indirectly, any financial instrument acquired through the Sites to the public in France, other than in compliance with applicable laws and regulation. Services hereunder may be provided by Banc of America Securities, Limited, as agent or otherwise.

  • FOR RESIDENTS OF GERMANY:

    The Sites are made available only to professional investors as such term is defined in the Securities Sales Prospectus Act.

  • FOR RESIDENTS OF HONG KONG:

    Access to the Sites is by invitation only to institutional investors. No information or material contained in the Sites is or should be construed as amounting to an offer to enter into any transaction or investment whatsoever. The information on these Sites is provided by the Hong Kong branch of Bank of America, N.A., and is compiled from information prepared by subsidiaries and affiliates of Bank of America Corporation. Your agreement for the use of this Site is with the Hong Kong branch of Bank of America, N.A.

  • FOR RESIDENTS OF IRELAND:

    Access to the Sites is by invitation only to professional investors.

  • FOR RESIDENTS OF ITALY:

    Access to the Sites is by invitation only to professional investors as defined in article 31 of CONSOB regulation no. 11522 of July 1, 1998.

  • FOR RESIDENTS OF JAPAN:

    Access to the Sites is by invitation only to financial institutions as defined under the Law Concerning Foreign Securities Firms.

  • FOR RESIDENTS OF KOREA:

    Access to the Sites is by invitation only to professional investors with a valid password. The information contained here does not constitute a public offering or distribution of securities in Korea.

  • FOR RESIDENTS OF NETHERLANDS:

    Access to the Sites is by invitation only to professional market parties as defined in the Dutch Securities Transactions Supervision Act 1995. Securities or other instruments on these Sites are only offered to professional market parties.

  • FOR RESIDENTS OF SINGAPORE:

    Access to the Sites is by invitation only to institutional investors. The information contained here does not constitute a public offering or distribution of securities in Singapore. The information in these Sites is provided by Bank of America Singapore Limited and is compiled from information prepared by subsidiaries and affiliates of Bank of America Corporation. Your agreement for the use of these Sites is with Bank of America Singapore Limited.

LIMITATION OF LIABILITY

THE FOLLOWING LIMITATIONS OF LIABILITY IN THIS SECTION SHALL NOT APPLY TO VIOLATIONS OF LAWS RELATING TO THE OFFER AND SALE OF SECURITIES. YOU ACKNOWLEDGE THAT NEITHER Bank of America, ITS AFFILIATES NOR THEIR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS OR OTHER SUPPLIERS MAKES ANY WARRANTIES OR GUARANTEES WITH RESPECT TO THE SITES, INCLUDING WITHOUT LIMITATION, WARRANTIES REGARDING THE ACCURACY OR COMPLETENESS OF ANY CONTENT, OR WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY, TITLE OR FITNESS FOR A PARTICULAR PURPOSE. Bank of America, ITS AFFILIATES AND SUCH PERSONS SHALL NOT BE LIABLE TO YOU FOR ANY LOSS, COST, DAMAGE OR OTHER INJURY, WHETHER IN CONTRACT, TORT, NEGLIGENCE OR OTHERWISE, ARISING OUT OF OR CAUSED IN WHOLE OR IN PART BY (I) CLIENT'S USE OF OR RELIANCE ON THE SITES, OR (II) Bank of America’s PERFORMANCE OF ITS OBLIGATIONS UNDER OR IN CONNECTION WITH THESE TERMS AND CONDITIONS. Bank of America DOES NOT REPRESENT, WARRANT OR GUARANTEE THAT THE SITES WILL BE FREE FROM ERRORS OR WILL BE AVAILABLE. FURTHERMORE, Bank of America WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, INACCURACY OF INFORMATION, COMPUTER VIRUSES, MALICIOUS CODE OR OTHER DEFECT IN THE SITES, OR FOR THE INCOMPATIBILITY BETWEEN THE SITES AND FILES AND THE USER'S BROWSER OR OTHER SITES ACCESSING PROGRAM. NOR WILL Bank of America BE LIABLE FOR ANY OTHER PROBLEMS EXPERIENCED BY THE USER DUE TO CAUSES BEYOND THE Bank of America’s CONTROL. IN NO EVENT WILL Bank of America, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS OR OTHER SUPPLIERS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY PUNITIVE, INCIDENTAL, CONSEQUENTIAL, SPECIAL OR SIMILAR DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.

Because some states or jurisdictions do not allow the exclusion or limitation of liability for certain damages, in such states or jurisdictions, the liability of the Bank of America, its officers, directors, employees, agents, contractors or other suppliers shall be limited in accordance with this agreement to the extent permitted by law.

Neither Bank of America, its Affiliates nor any of their officers, directors, employees, agents, contractors or other suppliers shall be liable in any way, and you agree to indemnify and hold harmless Bank of America, its Affiliates and such persons for (1) any inaccuracy, error, or delay in, or omission of (a) any information on the Sites, or (b) the transmission or delivery of any information on the Sites; (2) any loss or damage arising from or occasioned by (a) any such inaccuracy, error, delay, or omission, (b) non-performance, (c) interruption of use of the Sites due either to any negligent act or omission by Bank of America, its Affiliates, their officers, directors, employees, agents, contractors or other suppliers or to any "force majeure" (i.e., flood, extraordinary weather conditions, earthquake, or other act of God, fire, war, insurrection, riot, labor dispute, accident, action of government, communications, power failure, or equipment or software malfunction) or any other cause beyond the control of the Bank of America, its Affiliates, their officers, directors, employees, agents, contractors or other suppliers. You understand that Bank of America accepts no responsibility for security of information on the Internet.

UK CONDITIONS

Banc of America Securities Limited has approved the Sites for the purpose of Section 57 of the Financial Services Act of 1986. Banc of America Securities Limited is regulated for the conduct of investment business in the United Kingdom by the Securities and Futures Authority Limited. No access to the Sites shall be given in the United Kingdom to Private Customers, as that term is defined under the rules of The Securities and Futures Authority Limited; and any investments will not be made by us to any Private Customer.

CHANGES TO AGREEMENT

Bank of America may make changes to this Agreement at any time, without prior notice to you. Your continued use of the Sites indicates your continued agreement to be bound by this Agreement, as changed from time to time. You should view these Terms and Conditions often to stay informed of changes that may affect you.

GOVERNING LAW

This Agreement shall be governed by and construed under the law of the State of New York and the Federal law of the United States. You hereby consent and submit to jurisdiction in the Federal or state courts of the State of New York, U.S.A. You hereby irrevocably waive your rights to a jury trial.

THIRD-PARTY LICENSORS

The Sites may, from time to time, provide Client with various licensed programs ("Licensed Programs") from third-party vendors ("Vendors") which have been licensed by Bank of America for Client use and/or which require Client to sign a third-party license agreement ("License Agreement"). In using the Licensed Programs, Client agrees that it will

  • protect any confidential information of Bank of America, its Affiliates or Vendors contained in the Licensed Programs;
  • restrict the use of the Licensed Programs by Client solely to conditions agreed upon in the Agreement and the License Agreement;
  • restrict the copying of Licensed Programs to that number reasonably required for Client use and backup purposes
  • include Bank of America and Vendor copyright and all other proprietary notices in the use of all Licensed Programs;
  • prohibit the sale, relicensing, leasing, rental, lending and transferring of Licensed Programs;
  • prohibit, and take reasonable measures to prevent, the decompiling, disassembly, reverse engineering or modification of Licensed Programs;
  • comply with all export laws in respect of Licensed programs;
  • disclaim any liability on the part of Vendors for damages, liabilities, costs or expenses incurred by Client in the use of License Programs; and
  • make all vendors a third-party beneficiary of all Client waivers, disclaimers, limitation of liabilities, confidentiality and IP provisions contained in the Agreement.

BOFA SECURITIES, INC. – FURTHER INFORMATION

"Bank of America Merrill Lynch" is the marketing name for the global banking and global markets businesses of Bank of America Corporation. Lending, derivatives and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., member FDIC. Securities, strategic advisory, and other investment banking activities are performed globally by investment banking affiliates of Bank of America Corporation ("Investment Banking Affiliates"), including, in the United States, Merrill Lynch, Pierce, Fenner & Smith Incorporated, BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp., all of which are registered as broker-dealers and members of FINRA and SIPC, and, in other jurisdictions, by locally registered entities. BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp are registered as futures commission merchants with the CFTC and are members of the NFA. Investment products offered by Investment Banking Affiliates: Are Not FDIC Insured • May Lose Value • Are Not Bank Guaranteed.

© 2020 Bank of America Corporation.

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