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Legal

This legal statement by The Bank of Nova Scotia ("SCOTIABANK") governs the use of Bank's website in the Republic of Panama on the World Wide Web ("Web"). Users of the SCOTIABANK Internet Banking Web pages ("Pages") may only copy them for their personal use and may not republish or reproduce any substantial part thereof, including reproducing electronically, either by downloading or obtaining access to them on the Internet or on any other computer system locally or internationally, without the prior written consent of SCOTIABANK. Whenever SCOTIABANK material is copied or published, the source of the material should be stated. If you require any further information on a permitted use or a license to reproduce or republish any material, please contact The Bank of Nova Scotia Marketing Department, Punta Pacifica, Torre de las Américas, Torre A, Piso 4. Panamá, Rep. de Panamá. All violation of SCOTIABANKS's rights will result in the exercising of all legal actions and resources for the compensation of damages that may arise. SCOTIABANK is not responsible for the consequences arising from the unauthorized use or reproduction of the pages.

The content of the SCOTIABANK web pages is for informational purposes only and is not an offer to buy or sell SCOTIABANK products or services or those of its associates, subsidiaries and affiliates, or mutual funds units. SCOTIABANK products and services are available in compliance with the local laws of the jurisdictions where they are offered and are subject to the conditions of the applicable agreements. Not all products and services on this website in which users might be interested in are necessarily available at all branches in Panama. The information and data provided by SCOTIABANK, its associates, subsidiaries, and affiliates, and their executives, directors, employees and other sources is believed to be reliable when posted by SCOTIABANK cannot guarantee that it are accurate or complete, or will be current at all times The information on this website is not intended to provide legal, accounting, or tax advice and should not be relied upon in that regard. The Bank and its partners, subsidiaries and affiliates, and their executives, directors, and employees are not responsible in any way for any direct, indirect, special or consequential damages, regardless of how they may be caused, arising from the use of this website.

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

Website Access and Use

All the reasonable steps to ensure the safety of your personal information transmitted over the Internet have been taken. This includes the use of end-to-end encryption and online authentication. However, there is a remote possibility of data security breaches occurring. In such cases, SCOTIABANK, its associates, subsidiaries and affiliates, and their executives, directors, and employees are not responsible for any damage you may suffer as a result of said breaches. SCOTIABANK and its partners, subsidiaries and affiliates, and their executives, directors, and employees are not responsible in any way for any direct, indirect, special, or consequential damages, regardless of how they may be caused, arising from the use of this website.

SCOTIABANK informs you that the Internet is not yet a secure means that guarantees the total privacy and confidentiality of your data, so, SCOTIABANK, its associates, subsidiaries and affiliates, and their executives, directors and employees are not responsible for any damages you may suffer as a result of the transmission of information of a confidential or sensitive nature.

Some of the websites that can be accessed from time to time through hypertext appearing in this SCOTIABANK website may have been independently developed by parties other than SCOTIABANK, SCOTIABANK can therefore not guarantee the accuracy of the information contained in such sites If you have access to any program (software) through links provided by this website, you are solely responsible for taking all necessary precautions, such virus scanning it and testing the compatibility of the program (software) with the specific computer system you are using to avoid any problems with it. You should also ensure you have a full and updated backup of the information on your computer system before installing the program (software).

The inclusion of any organization or entity listed on this website should not be construed as an endorsement of its services or products, SCOTIABANK is therefore not responsible for any loss that you may incur when visiting these sites.

The displaying of trademarks does not imply that license has been granted for their use.

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

Microsoft is a registered trademark of Microsoft Corporation.

All other names of services and products are trademarks or registered trademarks belonging to their respective owners.