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Legal disclaimer

The terms and conditions applicable to any product, service or information will be those determined at the time of provision of the product, service or information. Please be aware of the laws of your country or that otherwise apply to you in relation to any of the matters described in these pages.

No warranties

The information provided in the pages of this Website is for informational purposes only. Although we believe this information to be correct, and attempt to keep the information in the pages of this Website current, we do not warrant the accuracy or completeness of any information in these pages.

Trade marks and copyright

Certain names, words, titles, phrases, logos, icons, graphics or designs in the pages of this Website may constitute trade names, trade marks or service marks of HBM group, the use of which may have been licensed to them. The display of trademarks on pages at this Website does not imply that a license of any kind has been granted to anyone else. Any unauthorized down loading, re- transmission, or other copying or modification of trade marks and/or the contents herein may be a violation of trade mark and/or copyright law and could subject the copier to legal action. All information found in the pages of this Website is protected under the copyright laws of Netherlands Antilles and Cayman Islands and in other countries. Unless otherwise specified, no one has permission to copy, redistribute, reproduce or republish, in any form, any information found in the pages of this Website.

Internet e-mail

Any unprotected E-mail communication over the Internet is, as with communication via any other medium (e.g. cellular phones, post office mail), subject to possible interception or loss, and is also subject to possible alteration.

No endorsements

Links to Websites outside HBM Group are meant for convenience only. No endorsement of any third party products or services is expressed or implied by any information, material or content referred to or included on, or linked from or to this Website.

Confidentiality and security

Our Website supports versions of Microsoft Internet Explorer and Mozilla Firefox and other browsers that use 40-bit or 128-bit encryption. Encryption is a means of scrambling information for transmission, in this case, between your PC and our computing systems. Information that is encrypted at one end is decrypted (decoded) upon receipt at the other end.

128-bit encryption is the strongest, most secure form of encryption that is generally available in Internet browsers on the market in North America today. HBM Group requires that its customers use 128-bit encryption when conducting financial transactions over the Internet. We also recommend the use of 128-bit encryption for all non-financial transactions, e.g. the completion of mortgage application forms.

40-bit encryption is the basic minimum standard that is prevalent in most browser products. Your browser probably uses 40-bit encryption unless you have specifically obtained 128-bit encryption. It is widely used internationally and is still endorsed by some banks around the world. If you wish, you may select 40-bit encryption for conducting non-financial transactions with HBM Group. The choice is yours. The level of encryption you use depends on the browser you select.

© HBM Group, 2006

If you have questions or concerns about this Legal Disclaimer, .