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TERMS & CONDITIONS

Legal Framework & Institutional Use Policy

These Terms & Conditions (“Terms”) govern access to and use of the ICBANKSG website and associated services provided by International Commerce Bank Singapore (“ICBANKSG,” “the Institution,” “we,” “our,” or “us”).

By accessing this website, submitting applications, or engaging with any services referenced herein, you acknowledge that you have read, understood, and agreed to be bound by these Terms.

1. Institutional Purpose

The ICBANKSG website is intended to provide general institutional information regarding our banking services, structured finance solutions, and capital platforms. Nothing contained on this website constitutes:

  • A binding financial commitment
  • An offer to lend or extend credit
  • Investment advice
  • A solicitation to transact
  • A legally enforceable financing agreement

All transactions remain subject to formal documentation, internal approval, compliance review, and executed contractual agreements.

2. Eligibility & Use Restrictions

Access to this website and submission of applications is limited to individuals and entities legally permitted to engage in financial transactions under applicable laws. Users agree:

  • To provide accurate and truthful information
  • Not to misrepresent identity or authority
  • Not to submit fraudulent or misleading documentation
  • Not to use the platform for unlawful purposes

ICBANKSG reserves the right to deny access or terminate engagement at its sole discretion.

3. No Advisory Relationship

Content published on this website is for informational purposes only. ICBANKSG does not provide legal, tax, accounting, or investment advice through this website. Users are advised to seek independent professional counsel before making financial or investment decisions. No fiduciary relationship is created by accessing or using this platform.

4. Application & Submission Disclaimer

Submission of:

  • Project finance applications
  • Trade finance requests
  • Account opening forms
  • Supporting documentation

does not constitute approval, commitment, or guarantee of funding. All applications are subject to:

  • Internal risk review
  • Compliance verification
  • Due diligence procedures
  • Institutional approval processes

ICBANKSG reserves the unrestricted right to approve, decline, or request additional documentation.

5. Confidentiality & Data Handling

Information submitted through the website is treated with institutional confidentiality and processed in accordance with our Data Protection Policy. While we maintain structured security safeguards, users acknowledge that no electronic transmission can be guaranteed as entirely secure. ICBANKSG shall not be liable for unauthorized access resulting from circumstances beyond reasonable institutional control.

6. Intellectual Property

All website content, including:

  • Text
  • Graphics
  • Logos
  • Layout design
  • Research publications
  • Institutional materials

are the intellectual property of ICBANKSG unless otherwise stated. Unauthorized reproduction, modification, distribution, or republication is strictly prohibited without prior written consent.

7. Limitation of Liability

ICBANKSG shall not be liable for:

  • Indirect, incidental, or consequential damages
  • Loss of profits or opportunity
  • Business interruption
  • Reliance on website content
  • Third-party actions or services

All website materials are provided “as is” without warranties of any kind, express or implied.

8. Regulatory & Jurisdictional Considerations

This website may be accessed globally; however, not all services may be available in all jurisdictions. Users are responsible for ensuring compliance with local laws applicable to their jurisdiction. ICBANKSG reserves the right to restrict services in certain regions without prior notice.

9. Amendments

ICBANKSG reserves the right to modify, update, or amend these Terms at any time. Continued use of the website constitutes acceptance of the revised Terms.

10. Governing Principles

These Terms shall be interpreted in accordance with applicable regulatory and contractual standards governing institutional financial services. Any disputes arising from website use shall be resolved under applicable jurisdiction as determined within formal engagement documentation.

Institutional Notice

ICBANKSG operates under a governance-driven framework. All engagements are subject to formal contractual execution and internal approval procedures.

Nothing on this website shall override written agreements executed between ICBANKSG and its clients.

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