In order to gain access and use the APIs, you will need to access the API Store, sign up to create a user account, add the details of your Application(s) (defined below) and thereafter, subscribe to the APIs in respect of each Application.
“APIs” means the application program interfaces made available on the API Store which you have subscribed to, including any services, functions and features made available through such application program interfaces by or on behalf of OCBC;
“API Store” means the online platform owned and operated by OCBC to make available application program interfaces developed by OCBC and which is accessible at such location as may be prescribed by OCBC from time to time, and includes any of the features, services and functions made available through such online platform;
“Application” means the software application, website or other applications of yours which involves the use of the APIs;
“Data” means information and/or any other material (including databases, text, graphics, photographs, animations, audio, music, video, links or other content) provided or made available through the APIs, as the case may be;
“Guidelines” means any relevant notices, instructions, guidelines and operating rules and policies which OCBC issues from time to time, which may be notified to you via the API Store or otherwise;
“Open-Source Licence” means any licence that requires, as a condition of use, modification and/or distribution of a work subject to the open source license, that such work and/or other work combined and/or distributed with such work be: (a) disclosed or distributed in source code form; (b) licensed for the purpose of making derivative works; or (c) redistributable at no charge;
“Password” refers to the valid password that you use in conjunction with the Username to access the APIs and/or the password-protected and/or secure areas of the API Store.
“Personal Data” refers to any data, whether true or not, about an individual who can be identified (a) from that data; or (b) from that data and other information to which OCBC has or is likely to have access, including data in OCBC’s records as may be updated from time to time. Examples of such Personal Data include the individual’s name, address, national registration identity card (“NRIC”) number or e-mail address;
“User Materials” means any information, text, graphics, photographs and/or other materials or content submitted by you for inclusion and/or posting through the API Store;
“Username” refers to the unique login identification name or code which identifies you.
You must comply with all Guidelines pertaining to the use of the API Store which we issue from time to time.
You must also (i) abide by all applicable laws and regulations in your use of the API Store; (ii) not impersonate any person or entity or to falsely state or otherwise misrepresent your affiliation with any person or entity; (iii) not send, distribute or upload, in any way, data or materials that contain viruses, malicious code or harmful components that may impair or damage the operation of another’s computer or equipment; and (iv) not post, promote or transmit through the API Store any unlawful, harassing, libellous, harmful, vulgar, obscene or otherwise objectionable material of any kind or nature.
OCBC neither endorses nor assumes any responsibility for the contents of your transmissions or communications through the API Store and you are solely responsible therefor.
You warrant and represent that you have the right and authority to submit your User Materials for inclusion and/or posting through the API Store and that your User Materials do not infringe the intellectual property rights or any other rights of any third party.
You hereby grant to OCBC a non-exclusive, world-wide royalty-free, irrevocable licence and right to host, transmit, distribute or use (which will include without limitation, the right to copy, reproduce and/or publish) the User Materials in connection with the provision of the API Store and/or APIs to you and for the purposes you have instructed or requested.
You may not, without OCBC's prior written permission, insert a hyperlink to, or establish frames of, the API Store (or any part thereof, including without limitation any webpages, images, video, audio, graphics, text, code, program and/or any other material on the API Store) on any other website or webpage or “mirror” any material contained on the API Store on any other server.
This Part applies when you subscribe to an API(s).
OCBC reserves all rights not granted hereunder.
For the avoidance of doubt, OCBC shall not at any time be obliged to provide any modifications to the APIs, including without limitation any updates and/or upgrades to the APIs or any new versions and/or releases of the APIs which result in new features.
The APIs that you have subscribed to under the ‘Bronze’ tier are, in general, licensed to you at no charge. There may be charges for the use of APIs under certain scenarios under the ‘Bronze’ tier or under other tiers and details of the applicable charges will be provided via the Guidelines.
unless otherwise permitted by OCBC in writing, use the APIs strictly for non-commercial purposes;
use the APIs strictly in accordance with any relevant Guidelines;
use the APIs strictly for purposes that are permitted by any applicable laws or regulations;
where the APIs contain software or code subject to Open-Source Licences, use the APIs in accordance with the terms of the applicable Open-Source Licences, each of which shall constitute a licence solely between you and the applicable licensor of the software in question;
permit the display of, conspicuously display and/or not obscure the display of, as the context permits, any trade names, trademarks, logos, domain names and/or other attributions to OCBC’s brand which are automatically generated via the use of the APIs. You agree that OCBC has the sole right and discretion to determine whether your adherence to the foregoing and/or such attributions are satisfactory;
take all necessary steps and/or precautions to ensure that the Applications (whether using the APIs or not) are not mistaken or misrepresented as being OCBC’s products or services. You agree that the Applications shall at all times be made available or provided as your applications or services;
notify and obtain consent from your end users before their location data is collected, transmitted or otherwise used by any of your Applications which offer location-based services or functionality; and
ensure that you either own all content used in your Application, or have obtained consent from the relevant content owners to use their content in your Application.
You will not, save as otherwise permitted by OCBC via the Guidelines:
sell, resell, assign, sublicence, distribute, transmit, publicly display, rent, lease, lend, export, offer on a “pay-per-use” basis or publish the APIs or any part thereof in any form by any means to any third party, for monetary benefit or any other consideration;
interfere with or disrupt the APIs or the servers or networks providing the APIs or any part thereof;
reverse engineer or extract, or attempt to reverse engineer or extract, the source code from any API;
use the APIs, the Data and/or the Applications in a manner which:
contravenes any applicable laws and regulations; or
promotes or facilitates any form of material or activity which OCBC deems objectionable or would subject itself to reputational risk, including, without limitation, gambling, obscenity, pornography, prostitution, drugs, crime, cruelty, violence and any other materials or activities;
pre-fetch, cache, index or store any Data except that you may store limited amounts of Data solely for the purpose of improving the performance of your Applications due to network latency (and not for the purpose of preventing OCBC from accurately tracking usage), and only if such storage is temporary (and in no event more than 10 calendar days), is secure, does not manipulate or aggregate any part of the Data or the APIs and does not modify attribution to OCBC in any way; and
delete or alter any trade names, trademarks, logos, domain names and/or other attribution to OCBC’s brand, which are provided due to the use of the APIs.
For more information on the licence requirements or restrictions, please refer to our Guidelines.
Access to and use of the APIs and/or the password-protected or secure areas of the API Store are restricted to authorised users only. You may not obtain or attempt to obtain unauthorised access to the APIs or such parts of the API Store, or to any other protected information, through any means not intentionally made available by OCBC for your specific use. A breach of this provision may be an offence under the Computer Misuse and Cyber Security Act, Chapter 50A of Singapore.
A Username and Password may either be: (i) determined and issued to you by OCBC; or (ii) provided by you and accepted by OCBC in OCBC’s sole and absolute discretion in connection with the use and/or access of the APIs and/or API Store. OCBC may at any time in its sole and absolute discretion forthwith invalidate, suspend or terminate the user account, Username and/or Password issued to you without giving any reason or prior notice and shall not be liable or responsible for any loss or damage suffered by or caused by you or arising out of or in connection with or by reason of such invalidation, suspension or termination. You hereby agree to change your Password from time to time and to keep the Username and Password confidential and shall be responsible for the security of your user account and liable for any disclosure or use (whether such use is authorised or not) of the Username and/or Password. You are to notify us immediately if you have knowledge that or have reason for suspecting that the confidentiality of the Username and/or Password has been compromised or if there has been any unauthorised use of the Username and/or Password.
Any use of or access to the APIs, the Data and/or the API Store and any information, data, instructions or communications (“Communications”) referable to the user account, Username or Password issued to you (whether such access, use or Communication is authorised by you or not) shall be deemed to be (a) use or access of the APIs and/or the API Store by you and/or (b) Communications transmitted and validly issued by you. You shall be bound by any access, use, and/or Communications referable to the user account, Username or Password issued to you, and you agree that OCBC shall be entitled (but not obliged) to act upon, rely on and/or hold you solely responsible and liable in respect thereof as if the same were carried out or transmitted by you.
OCBC may from time to time without giving any reason or prior notice, upgrade, modify, alter, suspend, discontinue the provision of or remove, whether in whole or in part, the API Store, the APIs and/or the Data and shall not be liable if any such upgrade, modification, suspension or alteration prevents you from accessing the API Store and/or the APIs or any part or feature thereof.
OCBC reserves the right, but shall not be obliged to: (i) monitor, screen or otherwise control any activity or services; (ii) investigate any violation of the terms and conditions contained herein and take any action it deems appropriate; (iii) prevent or restrict your access to the API Store, the APIs and/or the Data; and/or (iv) report any activity it suspects to be in violation of any applicable law, statute or regulation to the appropriate authorities and to co-operate with such authorities.
OCBC reserves the right (but shall not be obliged) to introduce new products, applications, programmes, services, functions and/or features (collectively “New Services”) to the API Store or the APIs. The term “API Store” or “APIs” (as the case may be) shall include New Services which are provided through the API Store or the APIs respectively at no charge or fee unless otherwise indicated.
OCBC shall not be liable for any errors or delays in the APIs, the API Store or the Data, or for any actions taken in reliance thereon. You understand and agree that you will use the APIs, the API Store and/or the Data at your own discretion and risk and that you will be solely responsible for any damages that arise from your use of the APIs, the API Store and/or the Data.
OCBC is under no obligation to monitor or review discussions, messages, blogs, chats, postings, transmissions, bulletin boards, and the like on or accessible through the API Store, and assumes no responsibility or liability arising from the content of any such locations nor for any error, defamation, libel, slander, omission, falsehood, obscenity, pornography, profanity, inaccuracy or any other objectionable material contained in any applications or content within such locations.
Any hyperlink to any other website or webpage is not an endorsement or verification of such website or webpage and should only be accessed at your own risk.
OCBC does not and shall not be taken to endorse your Application, and you shall not do anything or permit anything to be done which implies or suggests that OCBC is in any way endorsing the use or commercialisation of your Application.
The APIs, API Store and the Data are provided “as is” and “as available”. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESS OR STATUTORY, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF TITLE, NON-INFRINGEMENT OF THIRD PARTY RIGHTS, MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS OR OTHER MALICIOUS, DESTRUCTIVE OR CORRUPTING CODE, AGENT, PROGRAM OR MACROS, IS GIVEN IN CONJUNCTION WITH THE APIS, DATA, API STORE, OR ANY INFORMATION AND MATERIALS PROVIDED AT THE API STORE OR THROUGH THE APIS. Without prejudice to the generality of the foregoing, OCBC does not warrant: (i) the accuracy, timeliness, adequacy or completeness of the APIs, the API Store or the Data; (ii) that your use of and/or access to API Store, the Data and/or the APIs, or the operation of the API Store, the Data and/or the APIs, will be uninterrupted, secure or free from errors or omissions or that any identified defect will be corrected; (iii) that the APIs, the API Store and/or Data will meet your requirements or are free from any virus or other malicious, destructive or corrupting code, agent, program or macros; and (iv) that use of the API Store, APIs and/or the Data by you will not infringe rights of third parties.
In addition, OCBC makes no warranty regarding any applications, products or services that may be or which are purchased or obtained or any transactions entered into through the API Store.
You acknowledge and agree that OCBC does not warrant the security of any information transmitted by or to you using the API Store or APIs and you hereby accept the risk that any information transmitted or received using the API Store or APIs may be accessed by unauthorised third parties and/or disclosed by OCBC and by its officers, employees or agents to third parties purporting to be you or purporting to act under your authority.
You will not hold OCBC or any of its officers, employees or agents responsible or liable, in contract, tort (including negligence or breach of statutory duty), equity or otherwise, for any such access or disclosure or for any damages, losses, expenses or costs (whether direct or indirect, or whether foreseeable or not) suffered or incurred by you as a result of any such access or disclosure.
), as may be updated and/or amended by OCBC from time to time, or available on request and which you have read and understood. You also further agree that OCBC Group and the OCBC Representatives can contact you in relation to your access and use of the API Store and APIs and for the purposes of exploring business opportunities.
In addition, you consent to OCBC’s systems being programmed to gather certain anonymous data to help OCBC understand how the API Store, APIs and/or Data are being used and how we can improve them. This automatically gathered data includes your computer’s IP or “Internet Protocol” address, statistics about how you navigate through the API Store, APIs and/or Data, and information provided through the use of “cookies”.
OCBC shall in no event nor for any reason whatsoever be liable, even if OCBC has been advised of the possibility of such damages, losses or expenses, for any damages, loss or expense, including direct, indirect, special, or consequential damage, or economic loss, arising from or in connection with (i) any access, use or the inability to access or use the API Store, APIs or Data; (ii) any system, server or connection failure, error, omission, interruption, delay in transmission, computer virus or other malicious, destructive or corrupting code, agent program or macros; (iii) any use of or access to any other website or webpage linked to the API Store or provided through the APIs; (iv) any services, products, information, data, software or other material made available, obtained or downloaded from the API Store or APIs or from any other website or webpage linked to the API Store and/or APIs or from any other party referred by the API Store and/or APIs, or through the use of the API Store and/or APIs, or (v) your use or misuse of the API Store, the Data and/or the APIs. In no event shall OCBC be liable to you, or any other party for: (a) amounts due from other users of the API Store or APIs in connection with the purchase of any products/services; (b) damages arising in connection with the use of the APIs, the Data, or a product or service from the API Store, by you or other third party; and/or (c) sales, customs and/or import or export taxes.
You agree to indemnify and hold harmless OCBC and its related corporations, and any of their officers, directors, agents, employees and licensors, from and against any and all claims, actions, proceedings, suits, liabilities, damages, settlements, penalties, fines, costs or expenses (including legal fees) arising out of or relating to:
your use of the API Store, APIs or Data;
your Application; or
your User Materials.
You will cooperate fully in the defence of any allegation or third-party legal proceeding. OCBC reserves the right to assume the exclusive control and defence of any indemnified matter under this Clause 15.
shall not affect your obligation to make full payment of any fees payable if such fee has not already been paid; and
OCBC shall not be liable for any non-performance, error, interruption or delay in the performance of its obligations or in the API’s or the API Store’s operation, or for any inaccuracy, unreliability or unsuitability of the APIs or API Store if due, in whole or in part, directly or indirectly to an event or failure which is beyond its reasonable control (including acts of God, natural disasters, epidemics, acts of war or terrorism, acts of any government or authority, power failures, acts or defaults of any telecommunications network operator or carriers and the acts or a party for whom OCBC is not responsible for).
You acknowledge and agree that OCBC's records and any records of the communications, transactions, instructions or operations made or performed, processed or effected through the APIs and/or the API Store by you or any person purporting to be the you, acting on your behalf or purportedly acting on your behalf, with or without your consent, or any record of communications, transactions, instructions or operations relating to the operation of the APIs or the API Store and any record of any communications, transactions, instructions or operations maintained by OCBC or by any relevant person authorised by OCBC relating to or connected with the APIs and/or API Store shall be binding on you for all purposes whatsoever and shall be conclusive evidence of such communications, transactions, instructions or operations.