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ING DISCLAIMER

Please review the following terms and conditions carefully. By accessing this website and the materials and information contained herein (together the "Site"), you acknowledge that you have read, understand, accept and agree to be bound by the terms and conditions below. The specific terms and conditions of the products and services provided by the relevant issuer prevail over these terms and conditions when conflicting.

No Liability

The information made available on the Site has been produced by ING Bank (Australia) Limited (ABN 024 000 893 292) ("ING Bank") from its offices in Australia with utmost care and while obtained from sources believed to be reliable, ING Bank makes no guarantee, warranty or representation, express or implied, as to its accuracy or completeness. Neither ING Bank nor any of its affiliates, accepts any liability whatsoever (including, without limitation, any liability arising from any fault or negligence on the part of ING Bank) for any loss arising from in connection with the contents or use of the Site. The exclusion of liability is also made for the benefit of directors, employees, agents and advisors of ING Bank and its affiliates. All information on this Site, including but not limited to graphics, text and links to other sites, is provided "as is" and "as available", is subject to change and its provision may be discontinued without prior notice. Such information is provided, to the fullest extent permissible pursuant to applicable law, without warranty of any kind express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement and freedom from computer viruses or similar disabling devices. ING Bank does not warrant the error free and uninterrupted service of this Site.

Legal information

The Site is maintained in Australia by ING Bank. Information on the Site may include information about securities which may from time to time be issued by ING Bank or its related entities, or by trusts managed by ING Bank or its related entities. The information available on this Site may not be suitable for use outside Australia, and the accessibility or distribution of the documents or information available on the Site may be restricted or prohibited by law in certain jurisdictions. Except as may from time to time be expressly stated in this Site, ING Bank has not taken any action in any jurisdiction outside Australia which may be required by law in any such jurisdiction to permit:

  • any information on this Site to be accessed by or on behalf of any person in any such jurisdiction; or
  • the securities referred to on this Site to be offered (directly or indirectly) to prospective investors in any such jurisdiction.
By proceeding to access this Site, you agree that:
  1. You are responsible for ensuring that in viewing, downloading or distributing any information on this Site, you will comply with all applicable laws; and
  2. You are responsible for ensuring that any information accessed on or downloaded from this Site is:
    • free of viruses and other destructive items; and
    • in the case of a document, is complete by reference to the number of pages indicated on this Site as constituting a complete version of the document which you view.

The information and documents on this Site may not have been updated since they were first prepared, and may not be accurate or up to date by reference to facts or circumstances arising or coming into existence after that time. ING Bank has no responsibility to update the information and documents on this Site having regard to information which becomes available, or facts or circumstances arising or coming into existence after that time or otherwise.

Except as may from time to time be expressly stated, nothing in this Site constitutes or shall be considered:

  • an offer of securities for issue or sale; or
  • an invitation of applications for securities for issue or purchase; or
  • a solicitation of offers to buy securities; or
  • a recommendation to subscribe for or purchase securities; or
  • any form of (individual) advice or investment advertisement, or any indication as to the suitability of any investment for any particular investor or visitor to this Site. The information on this site does not take into account the investment objectives, financial situation and particular needs of any investor. Before making an investment decision on the basis of the information on the Site, you should consider whether it is appropriate in light of your particular investment needs, objectives and financial circumstance. ING Bank recommends that you seek professional advice before making any form investment decision.

Except as may from time to time be expressly referred to in this site, securities referred to in this Site (whether issued by ING Bank or any of its related entities or by any trust managed by ING Bank or any of its related entities) have not been or will not be registered under the US Securities Act of 1933, as amended (the "Securities Act") or under any other applicable securities laws of any state, province, territory or jurisdiction of the United States. As a result, except as may from time to time be expressly referred to in this Site, no securities referred to in this Site will be offered or sold within the United States or to 'U.S. Persons' (as defined in Regulation S under the Securities Act), except pursuant to an exemption from, or in a transaction not subject to, the registration requirements of the Securities Act.

In the United Kingdom, the information contained on this Site is addressed to and directed only at (i) persons who have professional experience in matters relating to investments falling within Article 19(5) of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005, as amended (the "Order"), or (ii) other persons to whom they may otherwise lawfully be communicated (all such persons together being referred to as "relevant persons"). The information contained on this Site must not be acted on or relied on in the United Kingdom, by persons who are not relevant persons. Any investment or investment activity to which the information contained on this Site relates is available only to relevant persons in the United Kingdom and will be engaged in only with such persons.

The information on this Site should not be made available to any retail investor in the European Economic Area (the "EEA"). For these purposes, a "retail investor" means a person who is one (or more) of: (i) a retail client as defined in point (11) of Article 4(1) of Directive 2014/65/EU (as amended, "MiFID II"); (ii) a customer within the meaning of Directive 2002/92/EC (as amended, the "Insurance Mediation Directive"), where that customer would not qualify as a professional client as defined in point (10) of Article 4(1) of MiFID II; or (iii) not a qualified investor as defined in Directive 2003/71/EC (as amended, the "Prospectus Directive"). No key information document required by Regulation (EU) No 1286/2014 (the "PRIIPs Regulation") for offering or selling securities or otherwise making them available to retail investors in the EEA has been or will be prepared and therefore offering or selling securities or otherwise making them available to any retail investor in the EEA may be unlawful under the PRIIPs Regulation.

ING Bank is a company incorporated under the Corporations Act 2001 of the Commonwealth of Australia ("Corporations Act").

Linked Internet Sites

ING Groep N.V. comprises a broad group of companies, including its subsidiary ING Bank (hereinafter: the "ING companies"). Many of the ING companies operate under their own brand names. Each ING company, business unit or product group, may have its own website on the internet where it offers information about its products and services. On this Site reference may be made to a number of those websites by providing hyperlinks from this Site to a website maintained by another ING company, business unit or product group.

Users are advised that information on hyperlinked or referred-to websites is neither investigated nor endorsed by any of the ING companies. No warranty or representation, express or implied, is given as to the accuracy or completeness of that information. In no event will ING Bank accept any liability with regard to the information on the websites maintained by other ING companies, business units or product groups websites or any other hyperlinked or referred-to websites.

The ING companies are not responsible for the content of any other internet websites linked to a website maintained by any of them. A link to another website is meant for convenience only and does not imply that any ING company (including ING Bank) endorses the website or any products or services that it describes. Your access to and use of any other internet websites linked to or from this Site is at your own risk and the ING companies assume no obligation or liability in connection therewith. The ING companies reserve the right to terminate any link or linking program at any time.

By accessing this Site, you also agree to abide by the proprietary guidelines set forth at any website accessed or linked to through this Site.

Copyright

Copyright in the content of this Site is owned by ING Bank unless otherwise indicated. This Site also contains a number of registered trademarks which are either owned by ING Bank or used with the permission of the registered trade mark owners.

When you use this Site, we grant you a limited licence to display on your computer, print, download and use the underlying HTML, text, hyperlinks, information, content and transaction facilities made available on the site for your personal use and records only and in consulting with your advisers.

You are not authorised or permitted to modify, alter, transfer, transmit, distribute, reproduce, interfere with the working, reverse engineer, remove, create, distribute, paste onto, link to or from another website any part of this Site.

Privacy

At ING Bank, we are committed to ensuring the confidentiality and security of your personal information. We are bound by the Australian Privacy Act and the Australian Privacy Principles regulated by the Australian Information Commissioner to guide us in our responsible handling of personal information.

You can view ING Bank's Privacy Policy. You can also request a copy by either calling or writing to us.

ING Bank collects and stores some visitor information regarding the usage of this Site, such as date and time of day you access this Site, browser type, browser language, the Internet Protocol (IP) address of the computer you are using, number of hits, the pages visited, previous/subsequent sites visited and length of user session. ING Bank does not collect any unique information about you (such as your name, e-mail address, etc.) except when you specifically and knowingly provide such information.

The information mentioned above is gathered by using a cookie. A cookie is a small line of text that is stored by your browser on your computer's hard drive. Our cookies do not contain any personally identifiable information.

Most web browsers automatically accept cookies, but you can usually alter the setting of your browser to prevent that. If you do not wish to receive cookies, please refer to the "help" file of your Internet browser to learn how to either block all cookies or receive a warning before a cookie is stored.

This Privacy Statement may be modified from time to time to comply with applicable laws or to reflect our updated business practices, without prior notice. Please check this page from time to time for any changes.

Disclosure of interests

ING Companies may have various potential or actual conflicts of interest arising in the course of their business. These may conflict with the interests of a potential investor and a potential investor may suffer loss as a result. To the maximum extent permitted by law, no ING Company or any of their directors, employees, agents and advisors is restricted from entering into, performing or enforcing their rights with respect to any transaction or dealing referred to in the materials available on this Site and may otherwise continue to take steps to further or protect any of their interests and their business (even where to do so may be in conflict with the interests of a potential investor or another party to any such transaction) and may do so without notice to, or regard to, the interests of any such person.

Credit Rating

Reference may be made on the Site to ratings issued by a ratings agency. A credit rating is not a recommendation to buy, sell or hold securities and may be subject to revision, suspension or withdrawal at any time by the relevant rating agency. Accordingly, any user of credit ratings issued by any such rating agency should not rely on any such ratings or other opinion issued by the rating agencies in making any investment decision.

Ratings made available on the Site are not intended for and must not be distributed to any person in Australia other than a wholesale client (as defined in Chapter 7 of the Corporations Act).

Governing Law and Jurisdiction

Your access to, visit and use of this Site and this disclaimer are governed by and shall be construed in accordance with the law of New South Wales and the Commonwealth of Australia. The Courts of New South Wales or the Commonwealth of Australia shall have exclusive jurisdiction over any dispute relating thereto.

Confirmation of understanding and acceptance of disclaimer

This website is not targeted to persons in the United States or "U.S. persons" as defined in Rule 902(k) of Regulation S under the Securities Act), who are "Retail Clients" within the meaning of section 761G of the Corporations Act, or person in any other jurisdiction whose laws restrict or prohibit a person from accessing the information contained in this Site.

Therefore, without limiting anything above, in order to view the materials on this Site you must make the following certifications:

I certify that:

  • I am NOT:
    • a 'U.S. Person' (as defined in Regulation S under the Securities Act);
    • located in the United States or I fall within one of the categories of persons enumerated in Rule 902(k)(2)(i) or Rule 902(k)(2)(iv) of Regulation S under the Securities Act;
    • located in the United Kingdom, or otherwise I am a "relevant person", being a person who (i) has professional experience in matters relating to investments falling within Article 19(5) of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005, as amended (the "Order"); or (ii) otherwise a person to whom the information contained on this Site may otherwise lawfully be communicated; and
    • located in any other jurisdiction whose laws restrict or prohibit me from accessing the information contained on this Site;
  • I am NOT a "retail client" within the meaning of section 761G of the Corporations Act;
  • I am NOT a "retail investor" meaning a person who is one (or more) of the following:
    • a retail client as defined in point (11) of Article 4(1) of Directive 2014/65/EU (as amended, "MiFID II"); or
    • a customer within the meaning of Directive 2002/92/EC (as amended, the "Insurance Mediation Directive"), where that customer would not qualify as a professional client as defined in point (10) of Article 4(1) of MiFID II; and
  • I will NOT make a copy of any document or any other material contained in this Site available to, or distribute a copy of such documents or other material to such persons mentioned above or to any person in circumstances where the provision of the document or material would not comply with all laws and regulations in any applicable jurisdiction; and
  • I am a 'qualified investor' within the meaning of the Prospectus Directive 2003/71/EC (and amendments thereto, including Directive 2010/73/EU) as implemented in your jurisdiction.

Country selection

Please enter the country where you reside or are accessing this Site:


I certify that the country selected by me in order to access this Site is true and accurate.

User acknowledgement

I acknowledge that I have read the above disclaimer and understand and agree with its contents and make the certifications referred to in it.