Terms and Conditions | DBS Treasures Private Client Hong Kong

DBSHK TERMS GOVERNING USE OF ELECTRONIC SIGNATURES

DBSHK TERMS GOVERNING USE OF ELECTRONIC SIGNATURES

Important Note: You may only use DocuSign if you accept these DBSHK Terms Governing Use of Electronic Signatures (“Terms”). By proceeding, you will be treated as confirming that you have read, understood, agree to and accept the Terms and the Data Policy Notice (available at www.dbs.com.hk).

These Terms shall govern your use of the DocuSign application / system / platform (“System”) offered by DocuSign Inc. (“Provider”) and your agreement to use electronic signatures in your dealings with us.

In these Terms, "we", "our" or "us" refer to DBS Bank (Hong Kong) Limited and its branches, parent company, representative offices, agencies, subsidiaries and affiliates (including any branches or representative offices of any subsidiary or affiliate) where you have a relationship or wish to have a relationship (together, “DBS”) and "you" or "your" refer to the DBS customer (whether individual or non-individual) who intends to obtain banking products/services from us or who has an existing relationship with us.

Authorisation and Use of System

You agree that we may accept and act on any document, agreement, notice, letter, form or other instructions signed, accepted or executed using electronic signatures by you and/or your authorised representatives via the System (together, “Instructions and Documents”), so long as the Instructions and/or Documents are or appear to be sent by or originate from the Provider or the System.
If you have appointed someone to act on your behalf, you must ensure that only persons with proper and valid authority send or transmit or authorise the sending or transmission of the Instructions and/or Documents to us and you acknowledge that we will be relying on the Instructions and/or Documents for the purposes of providing banking services and/or products to you. We have no further obligation to inquire or confirm the veracity or authenticity of any Instruction and/or Document received through the System. Any fraud, forgery or impersonation of your identity and/or signature or the identity and/or signatures of your authorised representative shall, except for our gross negligence or wilful misconduct, be your responsibility and liability.
You agree that we are deemed to receive any Instruction and/or Document only upon our successful receipt and/or retrieval of the Instruction and/or Document from the System. You further agree that the Instructions and/or Documents may not be processed immediately, around the clock or in a timely manner and that processing depends on, among other things, the time and day that such Instructions and/or Documents are received by us.

We can refuse to act upon any Instruction and/or Document, and take any action we reasonably deem appropriate in the circumstances in our discretion, including if we have reasonable ground to believe that:

a.	it was not given by you;
b.	it was not clear;
c.	it will prevent us from complying with what we consider to be our obligations under any applicable law or regulation, rule, practice, direction or guideline;
d.	the System is used by you for any unauthorised or unlawful purposes; or
e.	there has been, or there will be, a breach of these Terms generally

In such circumstances, we may inform you, as soon as reasonably practicable, that the Instruction and/or Document has not been acted upon by us.

If you request to cancel any request or instruction in respect of any Instruction and/or Document received by us, we will use reasonable endeavours to do so but will not be liable to you if we are unable to do so.
You agree that any Instruction and/or Document signed, executed or accepted by you using electronic signatures shall be deemed to be duly signed, executed or accepted by you and we may rely on such electronic signature, execution or acceptance as if the original document, agreement, notice, letter, form or other instruction had been duly signed, executed or accepted by you without further reference to you.

Security requirements
1. You must comply with all security procedures, requirements, instructions and specifications prescribed by us and/or the Provider from time to time including, where relevant or applicable, those set out in our or the Provider’s user manual, rulebook, terms and/or service contracts. In addition, you must take all reasonable precautions to prevent fraudulent or unauthorised use of or access to your information and/or details or that of your authorised representatives.
2. You must immediately inform us if you have grounds to suspect any unauthorised or unlawful use of the System.
3. You confirm that you have adequate internal policies and processes in place to manage cybersecurity risks, including without limitation risks on phishing and business email compromise.

Your representations and warranties

You represent and warrant to us each time you use the System, that:

a.	your use of electronic signatures does not violate, breach or conflict with or constitute a default under any law, regulation, rule, judgment, contract or other instrument binding on you or if you are a non-individual, your constitutional documents; and
b.	all information and documents furnished by you to us are true, complete and accurate in all respects when provided.

Liability

The System is a third-party service that is neither owned or operated by us and your use of the System is at your own risk. We expressly exclude any guarantee, representation, warranty, condition, term or undertaking of any kind relating to or arising from any use or inability to use the System. We will not be liable for any loss, damage or cost incurred by you in connection with your use of or inability to use the System.

You are aware of and accept the risks associated with the use of electronic communications and means of electronic transmission or server. These risks include (without limitation) that any Instruction and Document that you send via the System and/or the Provider:

a.	may be altered, intercepted, tampered or manipulated without your knowledge or proper authorisation before transmission to and receipt by us;
b.	are not a secure means of delivery of information and are subject to the risk of fraud, forgery, manipulation, alteration, error, technical defect, power or system failure, misunderstanding, identity impersonation, theft or loss;
c.	are generally handled in the ordinary course of business and during business hours and are not allotted any priority as to time and we will not be responsible for prompt handling of the Instructions and/or Documents even if such Instructions and/or Documents are time critical or subject to a deadline; and
d.	are subject to such applicable prevailing procedures and cut-off times and will be in our discretion.

We will not be liable to you for any loss, damage, cost or expense whatsoever (whether direct or indirect, whether foreseeable or not) which you may suffer or incur arising from:

a.	your use or inability to use the System;
b.	any breakdown, malfunction of the computer, terminal communication lines or transmission link or any other equipment or system whether or not belonging to us;
c.	any breach by you of any provision of these Terms or any information or documents furnished by you, which is or proves to have been incorrect, incomplete or misleading in any material respect when provided;
d.	any unauthorised or unlawful use of the System by you or anyone.

You further acknowledge that equipment and software providers, service providers, network providers (including the telecommunications providers, internet browser providers or internet service providers) may have or be able to gain access to any information transmitted through the System and/or the Provider.

You shall indemnify us and hold us harmless against any claim, demand, action or proceeding which may be made against us and any losses, damages, costs or expenses (including legal fees on a full indemnity basis) and all other liabilities of any nature which we may incur or suffer because of:

a.	us acting or relying on any Instruction and/or Document;
b.	any breakdown, malfunction of the computer, terminal communication lines or transmission link or any other equipment or system whether or not belonging to us;
c.	any breach by you of any provision of these Terms or any information or documents furnished by you, which is or proves to have been incorrect, incomplete or misleading in any material respect when provided; or
d.	any unauthorised or unlawful use of the System by you or anyone

unless such loss, damage, cost, expense or liability is a direct result of our fraud, wilful default or negligence.

In no circumstances will either party be liable to the other for any consequential, indirect, economic, loss of profit, special or punitive losses or damages.

Consent to Disclosure and Personal Data

You confirm that you have read and fully understood and accepted the prevailing terms and conditions governing your accounts, transactions and other services with us, including:

a.	if you are a DBS Hong Kong Private Bank customer, the DBS Private Bank Master Agreement, including (without limitation) Clause 30 of Section A of the DBS Private Bank Master Agreement, and our Data Policy Notice (available at www.dbs.com/hk) referred to therein, relating to the collection, processing, use and disclosure of personal data and/or information relating to you, your accounts, transactions or dealings and banking relationship with us. You confirm your consent to the collection, processing, use and disclosure of such data as set out in Clause 30 of Section A of the DBS Private Bank Master Agreement and our Data Policy Notice;
b.	if you are a DBS Hong Kong Treasures Private Client customer, the DBS Treasures Private Client Master Agreement, including (without limitation) Clause 30 of Section A of the DBS Treasures Private Client Master Agreement, and our Data Policy Notice (available at www.dbs.com/hk) referred to therein, relating to the collection, processing, use and disclosure of personal data and/or information relating to you, your accounts, transactions or dealings and banking relationship with us. You confirm your consent to the collection, processing, use and disclosure of such data as set out in Clause 30 of Section A of the DBS Treasures Private Client Master Agreement and our Data Policy Notice;
c.	if you are a DBS Account or DBS Treasures customer, the Bank Accounts and Services Terms and Conditions, including (without limitation) Clause 52 of Section B of the Bank Accounts and Services Terms and Conditions and our Data Policy Notice (available at www.dbs.com/hk) referred to therein, relating to the collection, processing, use and disclosure of personal data and/or information relating to you, your accounts, transactions or dealings and banking relationship with us. You confirm your consent to the collection, processing, use and disclosure of such data as set out in Clause 52 of Section B of the Bank Accounts and Services Terms and Conditions and our Data Policy Notice; and
d.	if you are a DBS Personal Instalment Loan customer, the Personal Instalment Loan Application Terms and Conditions, including (without limitation) Clause 4 of the Personal Instalment Loan Application Terms and Conditions and our Data Policy Notice (available at www.dbs.com/hk) referred to therein, relating to the collection, processing, use and disclosure of personal data and/or information relating to you, your loans and banking relationship with us. You confirm your consent to the collection, processing, use and disclosure of such data as set out in Clause 4 of the Personal Instalment Loan Application Terms and Conditions and our Data Policy Notice.

In addition and without prejudice to any other agreement which we may have with you or any right we have at law, you agree that we may disclose any information relating to you, your accounts, your transactions or your dealings and banking relationship with us to the Provider, its employees, service providers and agents.
Your information and data may be stored on the Provider’s servers and network and will be subject to the Provider’s data privacy or data handling policies and we have no responsibility or liability over the Provider’s use, storage, handling or further disclosure of your information and data.

You may provide personal data to us (including if you are a non-individual, personal data of your office holder, employee, shareholder and/or beneficial owner) in connection with you establishing or maintaining your relationship with us. When providing any personal data to us, you confirm that you are lawfully providing the data for us to use and disclose for the purposes of:

a.	providing products or services to you;
b.	meeting the operational, administrative and risk management requirements of DBS Group; and
c.	complying with any requirement, as DBS Group reasonably deems necessary, under any law or of any court, government authority or regulator.

For the purpose of this clause, “DBS Group” means DBS Group Holdings Ltd and its affiliates.

Miscellaneous
1. These Terms are governed by the laws of Hong Kong Special Administrative Region of the People’s Republic of China (“Hong Kong”). All disputes arising from or pursuant to these Terms shall be resolved before the non-exclusive jurisdictions of the courts of Hong Kong, and you agree to submit to the jurisdiction of such courts.
2. If any provision of these Terms is unlawful or unenforceable under any applicable law, it will, to the extent permitted by such law, be severed without affecting the validity of the other provisions.
3. No forbearance, delay or indulgence by us in enforcing these Terms shall prejudice or restrict our rights. No waiver of our rights shall operate as a waiver of any subsequent breach, and no right, power or remedy herein conferred upon or reserved for us is exclusive of any other right, power or remedy available to us.
4. The indemnities in our favour and the exclusion of our liabilities in these Terms shall remain in full force and effect and shall not be in any way affected or prejudiced by any change to these Terms. For the avoidance doubt, in addition to these Terms, our prevailing terms and conditions governing your accounts, transactions and other services will, unless otherwise specified in writing, continue to apply and bind you and nothing in these Terms shall prejudice or affect our rights under our prevailing terms and conditions.
5. A person who is not a party to these Terms may not enforce any of its terms under the Contracts (Rights of Third Parties) Ordinance (Cap. 623 of the Laws of Hong Kong).
6. We may at any time amend these Terms. For changes which shall result in an increase in the fees or charges payable by you and /or affect your liabilities or obligations, we shall give at least 30 days’ notice to you unless such changes are not within our control. In other cases, by giving reasonable notice to you. Such notice may be sent via email, posted on our website or published in any media or channel we deem appropriate. You are deemed to agree to such amendments if you continue to use the System after the effective date of such amendments.

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