Legal information

Important
All materials posted on this website are the property of the Bank. The conditions for access and use of materials posted on the site are set out below. Access to the materials of the site and their use means your acceptance of the terms and conditions. If you do not want to be bound by these terms and conditions, please do not visit the site or use the materials posted on

For informational purposes only
This site and the materials posted on it are prepared for use solely for informational purposes, are not an offer for sale or an invitation to make offers for the sale or purchase of any securities, goods, services or investments. The opinions expressed on this site are not recommendations for investing and, if necessary, you should use the services of an independent consultant. Placing materials on this website and access of third parties to such materials do not give rise to any obligations or responsibilities for the Bank.

Use of site materials
This site is intended solely for personal and non-commercial use. Copying, demonstration, reproduction, decompilation, distribution, publication, making any changes to this site, posting materials, creating derivative works based on the site, selling or other commercial use of all or part of the materials, posted on this site is prohibited without prior written permission of the Bank. The materials posted on this site are allowed to be copied for non-commercial purposes, provided that each copy is fully reproduced copyright (or ownership) and these terms of use of the information.

No Warranty Statement
This website, the materials posted on it and the services provided are available on an “as is” and “as is” basis, without any express or implied warranties, including, among other things, an implied warranty or condition of completeness, accuracy, adequacy, reliability, commercial suitability, satisfactory quality, suitability for certain goals and reimbursement of the cost of necessary maintenance or repair.
Please note that the laws of certain jurisdictions prohibit the exclusion of guarantees or allow such exclusion only to a certain extent; in this way, This disclaimer may not apply to you or may apply to a limited extent.
Please note that the Internet is not a fully protected environment and there is the possibility of interception, loss, damage or alteration of the transmitted information. Since users get access to this site, which is located on a server in the Russian Federation, without violating the rights of third parties, the functioning of this site provided by Russian company Orient Telecom JSC, Irkutsk, the Bank is not responsible for the operation of this site and does not guarantee the absence of malfunctions and errors or troubleshooting. The Bank is not responsible for the possible presence of viruses or other programs that can cause damage on the site or server on which it is located. The Bank does not assume any obligations regarding its location in the Russian Federation, the information on this website is considered to be provided in the Russian Federation and is regulated applicable laws of the Russian Federation and the People’s Republic of China. If you get access to this website from a territory outside the Russian Federation, You accept the risk and full responsibility for compliance with local, national or international laws, including, without limitation, securities laws.
Despite the fact that the site is periodically updated, the information on the site is not always completely up to date. The site and the information provided on it (including these conditions) may change and update from time to time without prior notice.
Information on achieved performance should not be taken as an indicator or guarantee of future results; no express or implied warranties and representations regarding future performance.
This site may contain estimates and forecasts, including regarding plans, opportunities; negotiation; market and economic conditions; the availability of financial resources; property value. These estimates and forecasts do not guarantee the future performance of the Bank or any other person. The Bank does not undertake to review these estimates and forecasts. on the basis of any future events, in connection with a change in circumstances or opinions, in connection with the appearance of new information or for other reasons. Actual performance in the future may differ from those expressed in estimates and forecasts due to a number of factors beyond the control of the Bank, including changes in the relevant market or changes in general economic conditions, the possibility of a general slowdown in economic development or recession; product and territorial concentration; industry competition; changes in capital markets and changes in interest rates; decisions of state bodies; changes in the composition of the manual; changes in tax legislation; weather conditions and other natural phenomena that may affect the Bank’s activities or damage assets; refusal or inability of third parties to fulfill contractual obligations; failure of the parties to reach agreement on certain conditions and the inability to complete the transaction; risks associated with financial stability of joint ventures and co-owners; interruptions in communication; and other risks inherent in the respective activity.

Disclaimer
The Bank is not liable for contractual, delicate or other claims for direct, actual, indirect, incidental damage or other damage (even if the Bank was warned of possible damage) in connection with the access, and use or inability to use this site, of certain products, services or the content of this site, or otherwise in connection with the transfer, interception or damage to information transmitted to or from this site. The legislation of certain jurisdictions prohibits the disclaimer of liability for consequential or incidental damages. or allows such a refusal only to a certain extent; therefore, this disclaimer may not apply to you or may apply to a limited extent.

Refund
You agree to indemnify the Bank for any damage and relieve it of any liability related to claims, losses, expenses and expenses, including expenses for lawyers arising as a result of your violation of these terms or use of this site or the materials posted on it, including, but not limited to, liability arising from your reckless or intentional actions.

Links to other sites
Links to other sites are provided for informational purposes only and have not been analyzed by the Bank. The Bank is not responsible and does not express approval for the content of these sites. or web pages. The Bank is not responsible for any losses or penalties that may be incurred or applied in connection with links to certain sites.

Changes to this site and terms of use
Any information contained on this website is subject to change without notice. The Bank reserves the right at any time to amend the content of this website, change links to other sites or delete pages from this site. These terms of use may also be periodically amended, while your use of this site after making changes means your acceptance of these terms of use as amended.

Termination
The Bank reserves the right to terminate your license to use this site at any time without notice.

Entire Agreement
These conditions constitute the entire agreement on the use of this website between you and the Bank.

Network Security Policy

Data Protection
Personal information provided by the Bank on this site will only be used subject to our privacy policy. By providing us with personal information, you agree to its use in accordance with our privacy policy.

Storage and protection of your personal information
The Bank seeks to maintain the confidentiality of your personal information and prevent its unauthorized disclosure. However, the Bank cannot promise that your personal information will not be subject to unauthorized access (for example, by hackers) or that its unauthorized disclosure will not occur. You must immediately inform the Bank of any security breaches in order to prevent unauthorized disclosure of your personal information.

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