Local expertise with global reach.

IMPORTANT: BY ACCESSING THIS WEBSITE AND ANY LINKED PAGES, THE USER EXPRESSLY, FULLY AND UNCONDITIONALLY AGREES TO THE FOLLOWING TERMS AND CONDITIONS OF USE. THESE TERMS AND CONDITIONS, AS WELL AS THE INFORMATION AND CONTENT SHOWN ON THIS WEBSITE, ARE SUBJECT TO CANCELLATION, INTERRUPTION, AMENDMENT AND UPDATING AT ANY TIME AND AT THE SOLE DISCRETION OF SCOTIABANK BRASIL S.A. BANCO MÚLTIPLO, WITHOUT PRIOR OR SUBSEQUENT NOTICE TO USERS IF THE USER DOES NOT AGREE, HE/SHE SHOULD NOT ACCESS THE WEBSITE.

The unauthorized use of the information contained on this website and the Scotiabank systems (as defined below), including but not limited to unapproved access to its systems, improper use of passwords or any information available on this website is strictly prohibited.

Any amendment to these Terms and Conditions of Use will take effect as from the date of publication on this website and must be fully complied with by the user.

The Scotiabank Privacy Notice is an integral part of these Terms and Conditions of Use.

 I.  Definitions

Scotiabank Brasil S.A. Banco Múltiplo ou Scotiabank: a financial institution enrolled on the National Corporate Taxpayers Register of the Ministry of Finance - CNPJ/MF under No. 29.030.467/0001-66, with its principal place of business at Avenida Brigadeiro Faria Lima, 2.277, 7^th floor, Itaim Bibi, city and state of São Paulo, Postcode 01452-000;

Information: information, texts, data, images, photographs, videos, sounds, illustrations, names, logos, trademarks of Scotiabank, links and any information about or concerning Scotiabank, its practices its products, services and/or information arising from legal and/or regulatory obligations published on the website.

Link(s): terminology used for the internet addresses.

User(s): all those who in any manner interact, access or use the website or the services of Scotiabank, whether they are (i) natural persons or (ii) legal entities through the intermediary of their representatives.

Website: is the electronic address of Scotiabank, namely: br.scotiabank.com.

II.  About the website

Scotiabank utilizes the highest level of security measures on its website.

The information is not intended for, nor does it constitute services or legal, accounting, commercial, financial, tax or similar recommendations, and is provided in a merely informative or indicative nature when referring to prices, not representing, directly or indirectly, an offering of products or services or investments. If the user requires recommendations or services, contact the Scotiabank team through the contacts provided on the website.

Scotiabank reserves the right to modify, update or exclude information and/or any content displayed on the website, without prior, express notification to users.

III.  Availability and Legal Restrictions

The website, and all the information it contains, is not intended for users resident or located in jurisdictions where such information is contrary to or at variance with the legislation of those jurisdictions or where such distribution is prohibited.

Scotiabank products and services are available in accordance with Brazilian law and will only be offered to users residing in Brazil, or not, if legally permitted by Brazilian law, with due regard for its current portfolio. Scotiabank products and services are subject to the terms and conditions of the applicable agreements.

IV.  Guarantees

Although Scotiabank strives to provide information on its website that is, as far as possible, precise and up to date, we cannot be held responsible for the outcome of any actions taken based on the information made available. Moreover, Scotiabank does not warrant that the website or any information will be provided in a continuous and uninterrupted manner.

THE INFORMATION MAY BE BASED ON INFORMATION MADE AVAILABLE BY THIRD PARTIES, INCLUDING PUBLIC SOURCES. SCOTIABANK DOES NOT WARRANT OR ASSUME ANY RESPONSIBILITY AS TO THE RELAIBILITY, EXACTNESS, VALIDITY, UP-TO-DATEDNESS, USEFULNESS, INTEGRITY, PERTINENCE, OPPORTUNITY OR SCOPE OF THE INFORMATION OR TO ITS USE BY USERS OF THIS WEBSITE AND UTS CONTENT.

 V.  Limitation of Responsibility

The user is solely responsible for using the website, its content, information, as well as the results of any act or omission carried out by the user based on such use, including the reparation of any damages caused to Scotiabank, third parties and other users.

Scotiabank is exempt from any responsibility for any damage of losses arising from the use of the website, its content and/or for electronic communication (including the content thereof) undertaken by the user, nor is it responsible for non-availabilities or technical failures of the systems of the website, the products and services.

Under no circumstances will Scotiabank, its officers or employees be contractually or extra-contractually responsible for (direct, indirect and incidental) losses and damages, or for any obligation, cost, demand, expense of any nature, including but not limited to negligence or other situations that may arise or be related to the total or partial use of the website and/or its information, or for the impossibility of usage, whether through poor performance, error, omission, interruption, defect, delay in operation or transmission of the information of viruses.

VI.  Copyright

Unless expressly indicated to the contrary, Scotiabank is the holder of the copyright on all information provided on the website, as well as all connected and/or related intellectual property rights, including without limitation those about the design, data base, copyright, registered trademarks, patents or rights of an intellectual nature (“Copyright”).

Website users may not copy, republish, reproduce, transmit, display, distribute or adapt, wholly or partly, the information provided on the website, including electronic reproduction thereof via uploads or downloads or access to the information via the internet or any other local or international computer without prior and express authorization of Scotiabank, except as permitted by Copyright Law No. 9.610, of February 19, 1998, as amended from time to time. Any unauthorized use constitutes a copyright violation. The indication of the information source should be included whenever any Scotiabank material is copied or published. If you require further information about permitted use or licenses to reproduce or republish any material, send your request to Scotiabank.SaoPaulo@br.scotiabank.com.

Any violation of the rights of Scotiabank will result in the appropriate legal measures being adopted. Scotiabank is not responsible for the unauthorized use or reproduction of the information of which it is the owner.

No provision will be interpreted as granting users any right, title or interest in any intellectual property of Scotiabank.

 VII.  Notes on Brands, Registered and Unregistered Trademarks of Scotiabank

The symbols ® and ™ identify the trademarks registered and unregistered in Brazil by Scotiabank, respectively. The following are the registered trademarks of The Bank of Nova Scotia in Brazil: The Flying S design; SCOTIABANK; Flying S design & SCOTIABANK (horizontal) and the Flying S design & SCOTIABANK (stacked).

VIII.  Licensed and Authorized Use

Displaying trademarks here does not mean that any license has been granted.

IX.  Legislation and Jurisdiction

These Terms and Conditions of Use are ruled, governed and construed in accordance with the laws of the Federative Republic of Brazil, in the Portuguese language. Any disputes or controversies arising out of or in connection with these Terms and Conditions of Use shall be settled in the District Court of the Capital of the State of São Paulo.