Disclaimer

BMO Private Bank is a trade name used by Bank of Montreal, Hong Kong Branch and Bank of Montreal, Singapore Branch. Banking products and services offered by BMO Private Bank are provided by Bank of Montreal and its affiliates. Not all products and services are available in every location. Estate planning requires legal assistance, which Bank of Montreal does not provide; consult your personal counsel.

BMO Private Bank is part of BMO Wealth Management. Banking and financial services are offered through Bank of Montreal, Hong Kong Branch and Bank of Montreal, Singapore Branch.
BMO Wealth Management is the brand name for a business group consisting of Bank of Montreal and certain of its affiliates in providing wealth management products and services.

Legal

Please read these terms, conditions, and disclaimers carefully. By accessing this website, you agree to be bound by all these terms and conditions. Bank of Montreal, which includes Bank of Montreal, Hong Kong Branch and Bank of Montreal, Singapore Branch, may change these terms and conditions, including the addition of new terms and conditions, from time to time without notice by posting the most recent version on the sites within www.bmo.com. Please access and review this Legal section regularly. If you find any of the terms or conditions unacceptable to you at any time, please discontinue your use of this website. By continuing to access this website after the date of any changes to these terms and conditions, you agree to be bound by the new or changed terms and conditions.

These terms and conditions are in addition to those that apply to any accounts you may have with Bank of Montreal. Where appropriate, please review those specific terms and conditions.

Confidentiality

Absent the use of encryption, the Internet is not a secure medium and privacy cannot be ensured. Internet e-mail is vulnerable to interception and forging. Bank of Montreal cannot ensure the privacy and authenticity of any information or instructions you send to us or that we send to you over the Internet. Bank of Montreal will not be responsible for any damages you may incur if you communicate confidential information to us over the Internet or if we communicate such information to you at your request.

No Advice

The financial market data, including quotes, charts and news are provided by various information suppliers that are independent of Bank of Montreal. The information provided on this web site is intended for informational purposes only and is not intended to constitute financial, accounting, legal or tax advice. Many factors unknown to us may affect the applicability of any statement or comment that we make on our web site to your particular circumstances. You should consult directly with a BMO Private Bank professional or your other advisers before acting on any information on this web site.

Facts and information provided on this web site are believed to be accurate at the time they are posted. However, this web site could include inaccuracies, typographical errors, or out-of-date information. Changes may be made at any time to the information on this web site without prior notice. Please consult any office of BMO Private Bank in your jurisdiction for complete and up-to-date information on products and services.

No Solicitation

Nothing on this web site constitutes a solicitation or offer by BMO Private Bank or Bank of Montreal to buy or sell products or services of any kind whatsoever including without limitation securities or any other financial instrument of any issuer.

US Residents

The information on this web site is not intended to be construed as an offer to sell or a solicitation to buy or sell any products or services of any kind whatsoever including, without limitation, securities or any other financial instrument in the United States of America or the territories or possessions thereof.

Available Only Where Permitted by Law

The products and services described in pages of the website of Bank of Montreal are offered only in jurisdictions where they may be legally offered for sale.

Applicable Agreements and Disclosures

All products and services of Bank of Montreal, its subsidiaries and any of its affiliates are subject to the terms of this Legal section as well as the terms of applicable agreements. The appropriate disclosures will be mailed to customers when they open accounts. You may request these documents before opening your accounts by calling +852 3716-0888 in Hong Kong or +65 6535-2323 in Singapore. .

Software Back-up

While every effort is made to ensure that any software provided on this web site is suitable for use on a wide variety of computer systems, you should take reasonable and appropriate precautions to scan for computer viruses and ensure compatibility of the software with your specific computer system.

Trade Marks Belonging to BMO Private Banking or Other Entities

"BMO (M-bar roundel symbol) Private Bank" is a trade-mark of Bank of Montreal. All other product and service marks mentioned on our web site are the trade-marks of their respective owners.

Copyright Bank of Montreal

Bank of Montreal either owns the intellectual property rights in the underlying HTML, text, images, audio clips, video clips, software and other content that is made available to you on this web site (the "Content"), or has obtained the permission of the owner of the intellectual property in such content to use the content on this web site.

Bank of Montreal grants to you a limited license to display the Content on your computer and print the Content on your printer solely for your own personal non-commercial use provided that you do not modify the Content and that you do not delete any of the proprietary notices.

Calculators

Calculators or projections are provided for general illustrative purposes only and are not warranted to be accurate or complete.

Hyperlinks Are Not Endorsements

Links to other website or references to other products, services or publications do not imply the endorsement or approval of such website, products, services or publications by Bank of Montreal, its subsidiaries or its affiliates. Third-party websites reached through links from our website may also have privacy and security policies different from Bank of Montreal, its subsidiaries and its affiliates, and may provide less security. We are not responsible for the collection, use or security of information by companies outside of Bank of Montreal that may be linked to on our website(s). Please review the privacy and security policies of websites reached through links from BMO Private Bank website.

Disclaimer of Warranty and Limitation of Liability

BANK OF MONREAL, ITS SUBSIDIARIES AND ITS AFFILIATES DO NOT WARRANT THE ACCURACY, COMPLETENESS, QUALITY, ADEQUACY OR CONTENT OF ANY INFORMATION OR TOOL ON THIS WEBSITE NOR DOES IT MAKE ANY WARRANTS AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE.

SUCH INFORMATION OR TOOL IS PROVIDED AS IS, WITHOUT WARRANTY OR CONDITION OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE IMPLIED CONDITIONS AND WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE MAY NOT APPLY TO YOU.

BANK OF MONTREAL, ITS SUBSIDIARIES AND ITS AFFILIATES WILL NOT BE RESPONSIBLE OR LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES, OR ANY OTHER DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, LOST REVENUES, LOST PROFITS OR PROSPECTIVE ECONOMIC ADVANTAGE, ARISING OUT OF USE OR MISUSE OF ONLINE BANKING, THE USE OR MISUSE OF THIS WEBSITE, OR RELIANCE ON THE RESULTING FROM THE USE OR MISUSE OF THIS WEBSITE, OR THE INFORMATION, DOCUMENTS, SOFTWARE OR CONTENT THEREOF, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR SUCH ARE REASONABLY FORSEEABLE.

BANK OF MONTREAL, ITS SUBSIDIARIES AND ITS AFFILIATES WILL NOT BE RESPONSIBLE FOR ANY LOSSES OR DAMAGES YOU MAY INCUR IF YOU COMMUNICATE CONFIDENTIAL INFORMATION TO US OVER THE INTERNET, OR IF WE COMMUNICATE SUCH INFORMATION TO YOU AT YOUR REQUEST.

Publications

The views and opinions expressed on this site are those of the authors only and are not to be attributed to Bank of Montreal or any of its subsidiaries, affiliates, employees, directors or officers (collectively, "BMO"), BMO does not necessarily endorse or support the views or opinions set forth. The authors alone are responsible for the accuracy and reliability of any performance information provided. Past performance is no guarantee of future results. The information is not intended to constitute investment advice or recommendation with respect to any particular security or basket of securities. BMO is not responsible in any manner for direct, indirect, special or consequential damages, howsoever caused, arising out of reliance on the information contained herein.

Personal Information

A copy of BMO Private Bank's Notice to Data Subjects relating to the Personal Data (Privacy) Ordinance of Hong Kong, which is applicable to all data provided to Bank of Montreal, Hong Kong Branch, can be accessed here