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| The United Overseas Bank Group (UOB Group) is committed to maintaining
best Privacy Practices to create, as far as possible, a secure Internet
environment for our customers. We encourage our customers to similarly
observe best practices that are within their control. Our best practices include: 1. Collection Of Customer Information We will not make unsolicited requests for customer information through email or the telephone, unless customers initiate contact with us. We will use any information collected as minimally as possible, mainly to assist us in customising and delivering services and products that are of interest to our customers. Under no circumstances will we ask customers to reveal their Personal Identification Numbers (PINs) or Passwords. 2. Handling Of Customer Information We have established strict confidentiality standards for safeguarding information on our customers. 3. Disclosure Of Customer Information Unless we have the customer’s agreement or are required by law, we will not disclose customer information to external parties. 4. Compliance By External Parties External parties who, in the course of providing support services to us, may come into contact with customer information, are required to observe our privacy standards.
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| We understand customer concerns for security when they transact over the Internet. We have therefore built a security system for online banking that safeguards the confidentiality of our customers' account information and their banking transactions. We employ several different methods to protect customers’ account and personal information: 1. Firewalls We have multiple levels of firewalls in place between our internal computer systems and the Internet. 2. Encryption Strong encryption protects customer information as it travels over the Internet. We use the 128-bit Secure Sockets Layer (SSL) encryption to protect the confidentiality of customers' account details and transaction data. This 128-bit SSL encryption is the commercially available security protocol for encrypting or scrambling data transmitted over the Internet. It is also currently recognised internationally to be of the highest standard in encryption technology commercially available and is generally adopted by banks in Singapore and financial institutions worldwide. 3. Username and Password Only your valid Username and Password which identify you uniquely, will allow you to log in to our secure website(s). This ensures that messages from authorised users only are admitted into our secure site(s). 4. Automatic Log Out As an additional security measure, our system may log you out of your Internet banking session after a period of inactivity. We are committed to monitor our Internet security system constantly for potential situations that could compromise the security or the privacy of our customers and to explore new technology continually to enhance our Internet security system. |
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Your Role In Safeguarding Your Personal Data And Account Information |
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You are responsible for keeping your online Password confidential. Failure to do so exposes
you to the risks of fraud and loss. The UOB Group cannot be responsible
for losses suffered by customers as a result of: FURTHER INFORMATION ON THE LIMITS OF OUR LIABILITY TO YOU IN PROVIDING INTERNET BANKING SERVICES CAN BE FOUND IN THE FOLLOWING TERMS AND CONDITIONS: We strongly recommend that you observe the following best privacy and security
practices at all times:
1. Managing Your Username and Password • Your Username and Password identify you when you use our Internet banking services. If any of these becomes invalid or ceases to have effect, it is imperative that you inform us by calling the direct hotlines for the respective services. • Ensure that no one can see your Password when you log in to our system. • Ensure that you keep your Password confidential at all times and do not divulge it to anyone. • Do not allow anyone (without exception) to use your Username and Password, as you are responsible for all transactions undertaken with your Username and Password. • Do not base your Password on your Username or personal information such as your telephone number, birth date or the like. • Memorise your Password and do not record it anywhere. • Change your Password regularly. • Do not use the same character more than twice for your Password. • Do not recycle your recently used Password. • Change your Password IMMEDIATELY if you suspect that someone knows it. • The same Password should not be used for different websites, applications or services particularly when they relate to different entities. • Do not select the option on your browser for storing or retaining user name and password. Note: No staff members of the UOB Group should ever ask you for your Password for whatsoever reasons. 2. Take Precautions Against Your Password Keystrokes Being Captured Exercise the necessary precautions to protect your personal computer against viruses and other malicious programs. Aside from damaging and/or destroying data, viruses and malicious programs can capture your Password keystrokes and other personal information and send them to another person without your consent. Precautions that you can take include the following: • Ensure that you install an effective personal firewall as well as anti-virus and anti-Trojan horse softwares. These should be updated regularly. • Do not download any software from a web site that is of doubtful origin. • Do not open any e-mail or attachment that is from a source unknown to you. When in doubt, delete such e-mail without opening it. 3. Log In Directly If you wish to access a website belonging to UOB or its subsidiaries or associates, always personally and directly enter the relevant website address in the browser address bar. Do not login via any hyperlink within emails. A list of the relevant website addresses is set out below for your reference. If you encounter suspicious email or fraudulent websites passing off as websites of UOB or its subsidiaries or associates, please notify us immediately at 1800 22 22 121 (24-hour, toll-free) or email us. List of UOB Group Websites
4. Remember To Log Out Always remember to log out of your Internet session when you have completed your Internet transactions or even when you need to walk away from your computer for just a minute. Do not leave your computer unattended while Internet transactions are being processed. 5. Clear Your Browser's Cache Default files on a computer, sometimes called 'cache' files, can retain images of data sent or received over the Internet, making them a potential target for a system intruder. Therefore, we strongly advise that you clear your browser's disk cache after each Internet session. How To Clear Your Cache (Navigator 4.X) • Select 'Edit' from the Menu bar • Select 'Preferences' • Expand 'Advanced' to show 'Cache' • Select 'Cache' • Click the 'Clear Disk Cache' button and answer 'OK' • Click the 'Clear Memory Cache' button and answer 'OK' • Click 'OK' to exit the dialog box How To Clear Your Cache (Internet Explorer 4.X/5) • Select 'View' from the Menu bar (if you are using IE 4.X) OR Select 'Tools' from the Menu bar (if you are using IE 5) • Select 'Internet Options' • Select 'General' tab • Click the 'Delete Files' button under Temporary Internet Files and answer 'OK' • Click 'OK' to exit the dialog box 6. Avoid Sharing Personal Computers (PCs) Avoid using shared PCs or public PCs such as those found in cyber cafes to perform Internet banking transactions. If there is a need to do so, always satisfy yourself thoroughly that the PCs are free from viruses and be sure to clear the browser's cache upon completion of your transactions. 7. Update Your Browsers You should update your browsers and application software to support 128-bit SSL encryption or a higher encryption standard. 8. Verify The Authenticity Of The UOB Group Internet Banking/Transaction Web Site(s) We provide a Secure Zone icon (as symbolised by a 'padlock' icon) within our Internet banking/transaction web pages for your verification of its authenticity. To verify the authenticity of the UOB Group Internet banking/transaction web site(s), look for the Secure Zone icon on the web page, click it, and ensure that 'United Overseas Bank Ltd' is displayed as a part of UOB's VeriSign Secure Server ID from https://digitalid.verisign.com There are two ways by which you can verify that you are logging in to a secure web page: (i)Check that the UOB Group Internet banking/transaction web site address changes from http:// to https:// and that a security icon (as symbolised by a lock or key) appears at the bottom status bar of the browser. This indicates that the web page that you are online with uses encryption technology. You can double click the security icon to view information pertaining to the security certificate for the web page. (ii)Depending on the browser that you are using, you can also verify that you are in a secure web page by doing the following: On Internet Explorer Point the mouse on the web page and right click the mouse. Scroll to 'Properties' and click the mouse. Ensure that the following information appears in the 'Properties' dialogue box shown on the screen:
You can click the 'Certificates' button in the dialogue box to view information pertaining to the security certificate for the web page. On Netscape Point the mouse on the web page and right click the mouse. Scroll to 'View Frame Info' and click the mouse. Ensure that the following information appears on the display screen:
9. Inform Us Immediately Of Suspected Invasion Of Your Privacy Or Of Unauthorised Transactions If you suspect that your privacy has been invaded or that your account(s) has/have been accessed by unauthorised persons, please change your Password immediately and contact us by calling the direct hotlines for the respective services. Check your account statements to see if any transaction has been performed without your authorisation. Should there be any unauthorised or unusual transactions, please notify us immediately. You should check your account statements regularly and notify us promptly of any errors. At the minimum, you should check your account statements at least once at the beginnning of each month. Bank accounts If you object to any entry or omission in your bank account statement in respect of any calendar month, you must inform the Bank in writing within 14 days of the end of that calendar month as failure to do so shall imply your acceptance of the account statement and its correctness. UOB Asset Management accounts You must notify UOB Asset Management (UOBAM) within 48 hours of: (a) any failure to receive an appropriate response that an order initiated by you through UOBAM ONLINE has been received and/or executed; (b) any receipt of incomplete, garbled or inaccurate data or information from UOBAM; (c) any receipt of confirmation of an order that you did not place or any similarly inaccurate or conflicting report, account statement or information; and (d) any discrepancy between any report produced or made available to you by UOBAM ONLINE on any medium (including electronic), or in your portfolio, or an information source, and any other such report or confirmation of an order. To contact us, please refer to the following table:
10. E-Mail Security As information submitted via email is not encrypted during transmission, it is important that you do not give your account or credit card number nor convey any confidential information or banking or other instructions in your enquiries and/or comments. If you encounter any suspicious email, passing off as an email from UOB Group, please notify us immediately. 11. Additional Recommended Good Practices To Safeguard Your Online Security
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Should the UOB Group Internet banking/transaction web site(s) be
unavailable, customers can choose to do their banking/transactions
via the following alternative channels:
English Version To Prevail If there are differences in meaning between the English version and any translation of any terms and conditions, the English version shall prevail.
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