Legal

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS SITE OR VIEWING ANY OF ITS CONTENTS, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. DO NOT ACCESS OR USE THIS SITE IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS.

Copyrights:

This legal disclosure by Scotiabank USVI, ("Scotiabank", "Bank"), governs the use of the Bank's World Wide Web site. Users of the Scotiabank Internet banking World Wide Web site pages (the "Work") shall only be entitled to copy the Work for their own personal use but may not republish nor reproduce any substantial part of the Work in any manner whatsoever, including electronically reproducing this Work by "uploading", "downloading", or accessing the Work on to the Internet or any other local or international computer system, without the prior written permission of Scotiabank. Certain information may be copyrighted by others. An acknowledgment of the source must be included whenever Scotiabank material is copied or published. If you require further information on a permitted use or license to reproduce or republish any material, address your inquiry to the Sales and Marketing Department:

Box 420
Charlotte Amalie
St. Thomas, V.I. 00804-0420

Any infringement of Scotiabank rights will result in appropriate legal action. Scotiabank disclaims any and all liability for any consequences which may result from any unauthorized reproduction or use of this Work whatsoever.


Trademarks:

The display of trademarks herein does not imply that a license of any kind has been granted.

The following are registered trademarks of The Bank of Nova Scotia in Canada: Scotiabank; Scotia; Flying "S" and design; Scotiabank, Flying "S" and design; ScotiaGold; Powerchequing; TeleScotia; ScotiaLine; BNS. Scotiabank USVI is an authorized user of these marks.

Microsoft is a registered trademark of Microsoft Corporation.

All other service and product names are trademarks or registered trademarks of their respective owners.

The prime lending rate refers to the prime lending rate of Scotiabank.

All services described in this site are subject to conditions, exclusions and limitations as established by the provider of service.


Use of Information and Materials:

The information and materials contained in Scotiabank's WWW pages are subject to change without notice. Unauthorized use or misuse of Scotiabank's web sites is strictly prohibited. This site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.

The information and materials contained in Scotiabank's WWW pages are for information purposes only and does not constitute an offer to buy or sell products or services of Scotiabank and its associates, subsidiaries, and affiliates, or units of mutual funds. Not all products and services that USVI residents may be interested in are available in all regions of USVI. Not all products and services that other country residents may be interested in are available in that country. Scotiabank's products and services are available in accordance with local law and only if they may be lawfully offered for sale in any particular jurisdiction. All Scotiabank products and services are subject to the terms of applicable agreements. All services described in this site are subject to conditions, exclusions and limitations as established by the provider of the service. The rate bonuses are not to be used in combination with any other pricing bonuses being offered by Scotiabank or any of its associates, subsidiaries, and affiliates.


No Warranties:

THE INFORMATION AND MATERIALS CONTAINED IN THIS WEBSITE ARE PROVIDED "AS IS". THE INFORMATION AND MATERIALS PROVIDED BY SCOTIABANK, ITS ASSOCIATES, SUBSIDIARIES AND AFFILIATES OR OTHER SOURCES ARE BELIEVED TO BE RELIABLE WHEN POSTED BUT IN ANY EVENT SCOTIABANK DOES NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THIS INFORMATION AND MATERIALS AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS. SCOTIABANK DOES NOT GIVE WARRANTY OF ANY KIND, IMPLIED, EXPRESSED OR STATUTORY INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS. THE INFORMATION AND MATERIALS ON THIS WEB SITE ARE NOT INTENDED TO PROVIDE LEGAL, ACCOUNTING, INVESTMENT, OR TAX ADVICE, AND SHOULD NOT BE RELIED IN THAT REGARD.


Limitation of Liability:

IN NO EVENT WILL SCOTIABANK ITS ASSOCIATES, SUBSIDIARIES AND AFFILIATES BE LIABLE FOR ANY DAMAGES INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH THIS WEBSITE OR ANY LINKED SITE OR USE THEREOF OR RELIANCE ON ANY INFORMATION CONTAINED HEREIN, OR IN CONNECTION WITH ANY ERROR, OMISSION, INACCURACY, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, EVEN IF WE KNEW OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.


Submissions:

All information submitted to SCOTIABANK via this website shall be deemed and remain its property and Scotiabank shall be free to use, for any purpose, any ideas, concepts, know-how, techniques or other information provided by a visitor to this website. Scotiabank shall have no duty or any obligation of confidentiality regarding submitted information, except as specifically agreed in writing, provided in the applicable privacy policy, or required by law.


Access to and Use of this Website:

All reasonable steps have been taken to ensure the security of your personal information transmitted over this website. This includes the use of end-to-end encryption and on-line authentication. However, there remains the remote possibility of data security violations occurring. In the event of such breaches, Scotiabank and its associates, subsidiaries, and affiliates will not be responsible for any damages you may suffer as a result. Scotiabank and its associates, subsidiaries, and affiliates, are not responsible in any manner for direct, indirect, special or consequential damages whatsoever caused, arising out of the use of this web site.

Complete confidentiality and security is not yet possible over the Internet. Scotiabank advises you that the Internet is not a secure medium and privacy cannot be ensured. Scotiabank and its associates, subsidiaries, and affiliates will not be responsible for any damages you may suffer if you transmit confidential or sensitive information to us.


Links:

Some sites that may from time to time be accessed by hypertext appearing in this Scotiabank site may have been independently developed or controlled by third parties (non- affiliates of Scotiabank), and Scotiabank does not guarantee the accuracy of information contained in such sites. SCOTIABANK HEREBY DISCLAIMS LIABILITY FOR, ANY INFORMATION, MATERIALS, PRODUCTS OR SERVICES POSTED OR OFFERED AT ANY OF THE THIRD PARTY SITES LINKED TO THIS WEB SITE. CREATING A LINK TO A THIRD PARTY WEB SITE, OR LISTING OF AN ORGANIZATION ON THIS WEBSITE SHOULD NOT BE CONSTRUED AS AN ENDORSEMENT OR RECOMMENDATION OF ITS SERVICES OR PRODUCTS, NOR IS SCOTIABANK LIABLE FOR ANY FAILURE OF PRODUCTS OR SERVICES OFFERED OR ADVERTISED AT THOSE SITES OR FOR ANY LOSSES OR DAMAGES SUFFERED AS A RESULT OF VISITING THESE WEBSITES. SUCH THIRD PARTY WEBSITE MAY PROVIDE LESS SECURITY THAN THE SCOTIABANK'S SITE. If you access any software through links from this web site, you should take all necessary precautions to scan for computer viruses and for software compatibility with the specific computer system you are using. Also ensure that you have a current, complete backup of the information on your computer system prior to installing such software.