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Online Banking

Website Terms and Conditions of Use


This website (Website) is provided by Bank of China Limited Sydney Branch (ABN 29 002 979 955) and Bank of China (Australia) Limited (ABN 28 110 077 622) (jointly and severally referred to as Bank of China, we, us and our).

Your access to and use of our Website is governed by these terms and conditions (Terms).  By using the Website, you agree to be bound by these Terms.

You must use this Website in accordance with these Terms and all applicable laws, rules and regulations including, without limitation, copyright laws.

Use of the Website

Unless we agree otherwise in writing, you may access this Website for your personal, non-commercial use only. This Website is intended to be used to get general information about our products and services.

Unless expressly stated otherwise, the information on the Website does not constitute an offer by us to enter into a contract with you and does not form part of the terms and conditions for our products and services.

You must not:

•use the Website in a manner that is unlawful, or violates these Terms;

•use the Website in a manner that violates any of our rights or the rights of any third party;

•disrupt, interfere with, reverse engineer or compromise the security of the Website or any servers, software or hardware connected to or used to provide the Website;

•restrict, inhibit or interfere with any other user’s use or enjoyment of the Website; or

•distribute, upload or transmit any content or material which:

o is offensive, defamatory or obscene;

o markets goods or services; 

o contains a virus; or

o any other material which is, in our reasonable opinion, harmful.

These Terms and your access to the Website may be terminated by us without notice at any time. All disclaimers and limitations of liability by us will survive termination. However, you will no longer be authorised to access the Website. If you breach any of these Terms, your permission to use the Website will automatically terminate.

Intellectual Property

All documents, materials and other information displayed on the Website are our property or the property of our licensors. The content is protected by copyright, trade mark and other intellectual property laws.

All Website content may only be downloaded, viewed and printed for your personal, non-commercial use provided that the content is intact and in the same form as presented on the Website (including all copyright, trade mark and other proprietary notices). You agree not to reproduce, retransmit, distribute, disseminate, sell, publish, broadcast or circulate any Website content to any third party without our written consent.

Except as provided above, nothing contained in these Terms will be construed as conferring any licence or right in, or assign all or part of, its intellectual property rights in the Website content, without our express written permission or the express written permission of the owner of the relevant Website content (as applicable).

Use of Software

If you download software, including any mobile apps, from this Website, that software may be subject to separate licensing terms between you and the licensor of that software. By using the software, you agree to be bound by the licence terms. To the extent permitted by law, we accept no liability in respect of software licensed by third parties and do not give any warranties in respect of this software.

Linked Sites

The Website contains hyperlinks to other websites operated, controlled or produced by third parties (Linked Sites). The Linked Sites are not under our control and we are not responsible for the contents of any Linked Site or any hyperlink contained in a Linked Site.

Any hyperlinks are provided solely for your convenience. You access any Linked Sites entirely at your own risk.

We are not responsible for the content or privacy practices associated with Linked Sites.

Our linking to Linked Sites is not, and should not be construed as, an endorsement, approval or recommendation by us of the owners or operators of those Linked Sites or of any information, graphics, materials, products or services referred to or contained on those Linked Sites.

Exclusion of Liability

The Website, any Linked Site and their respective contents are provided on an “as is” basis. We do not give any warranty in respect of the Website and any Linked Site and, in particular, do not warrant that any information is accurate, reliable, up-to-date or complete and we expressly disclaim any responsibility or liability for any errors or omissions.

To the extent permitted by law, we do not accept responsibility for, and exclude any liability for, any loss, damage, cost or expense however caused (including through negligence), which you may directly or indirectly suffer in connection with your use of this Website or any Linked Site.

In particular, to the extent permitted by law, we do not accept any responsibility or liability for any loss, damage, cost or expense that you may suffer or incur arising out of your use of or reliance on any documents or other information contained on or accessed through this Website.

To the extent permitted by law, any condition, guarantee or warranty which would otherwise be implied into these Terms is excluded.

These Terms do not attempt or purport to exclude liability arising under any condition, guarantee or warranty implied by applicable legislation if, and to the extent, that such liability cannot be lawfully excluded.

Where any legislation implies any condition, guarantee or warranty the applicability of which cannot be excluded or modified, that condition, guarantee or warranty will be included in these Terms. To the maximum extent permitted by law, our liability for a breach of that condition, guarantee or warranty will be limited to one or more of the following, at our discretion: (a) if the breach relates to goods, (i) the replacement of the goods or the supply of equivalent goods, (ii) the repair of such goods, (iii) the payment of the cost of replacing the goods or of acquiring equivalent goods or (iv) the payment of the cost of having the goods repaired; and (b) if the breach relates to services, (i) the supplying of the services again or (ii) the payment of the cost of having the services supplied again.

We may change all or part of these Terms at any time without prior notice to you.  If we do, the new Terms will be posted on our Website.  Your subsequent or continued use of the Website will constitute your acceptance of any changes.  If you object to any changes to these Terms, you must stop using the Website. 

International Users

This Website is controlled, operated and managed by our offices in China. We do not guarantee the content is applicable or accurate outside China.

You must ensure that your access to this Website is not illegal or prohibited by any laws which apply to you. You must not use the Website (or export any of its contents) in breach of Chinese export laws and regulations.

These Terms have been prepared in compliance with Australian law, but are governed by the law of the People’s Republic of China.


We are committed to complying with our privacy obligations. All personal information we collect from you will be handled by us in compliance with applicable privacy laws and our Privacy Policy and Credit Reporting Policy.

For more detail on how we collect, use and disclose personal information, please refer to our Privacy Policy and Credit Reporting Policy on our Website.