Terms & Conditions


Welcome to Treasury Prism, an interactive simulation and modelling tool offered by DBS Bank Ltd. (“DBS”, “we”, “our” or “us”) that helps you explore options for optimising your cash management requirements.

Before you start using Treasury Prism, please read and understand these terms of use (“Terms”). By using Treasury Prism and/or its services (collectively, the “Services”), you agree, on behalf of yourself as well as any organisation on whose behalf you are using the Services, to be bound by these Terms.

We may from time to time also modify these Terms and will post the latest version of the Terms at https://treasuryprism.dbs.com/terms-and-conditions-of-use (the “Site”). A copy of the terms and conditions in simplified chinese language can be viewed at http://treasuryprism.dbs.com/zh_cn/terms-and-conditions-of-use;  and a copy of the terms and conditions in traditional chinese language can be viewed at https://treasuryprism.dbs.com/zh_tw/terms-and-conditions-of-use. By continuing to use the Services, you agree to be bound by our prevailing Terms.

    1. 1.1You may only use the Services for your internal business purposes as an end-user. The Services will generate results, outputs, projections, suggested optimisations, efficiencies, corporate cost savings or models for optimising your cash management requirements (“Results”) which must only be used for your internal business purposes.
    2. 1.2The Services must be accessed through the Site.  You may use the Services without creating a Treasury Prism account (“Treasury Prism Account”), but if so, certain functionalities may not be available.
    3. 1.3If you wish to create a Treasury Prism Account, you will need to complete the account enrolment form at the Site.  All details and information provided by you must be true, accurate, valid and complete and you agree to promptly update any change to such information. We will use your email as your username and you must assign a password to your Treasury Prism Account (“Login Credentials”) to access your Treasury Prism Account. You must maintain the confidentiality of your Login Credentials, which must not be disclosed to anyone. You agree and acknowledge that neither using the Services nor creating a Treasury Prism Account establishes a banker-customer relationship between us and you.
    4. 1.4We will treat all data and information provided by you (“Data”) as well as interactions with the Services to have been provided or carried out by you without further inquiry or investigation. We may also prescribe other security procedures applicable to the Services, which you must also comply with. If you have any reason to believe that someone has accessed your Treasury Prism Account without your authorisation, you must immediately change your password.
    5. 1.5You also agree that you will not do any of the following:
      1. use the Services or your Treasury Prism Account for fraudulent, unlawful or illegal purposes, or in any manner that is in breach of any policies or requirements of your organisation or any obligation binding on you, or to infringe the rights of, harass or defame others;
      2. resell or make any commercial use of the Services or use the Services for the benefit of any third parties;
      3. reverse engineer or decompile any technology and/or software associated with the Services;
      4. use any robot, spider, web-crawler, scraper, deep linking, framing or automated extraction or data gathering functions, or any program, app or tool not provided by us to access, use, deliver, copy or monitor the Services and/or Results;
      5. post or transmit any file which contains viruses, worms, malware, Trojan horses or any other damaging or destructive elements;
      6. upload, use, share or disclose any Data or Results in breach of any confidentiality or other obligations binding on you or your organisation or any policies or requirements of your organisation; or
      7. create, register or access Treasury Prism Accounts through automated means, including by using an automated device, script, bot, spider, crawler or scraper.
    6. 1.6You are solely responsible for the use, handling and safekeeping of all Login Credentials and Results and must not share your Login Credentials.  We are not liable for any claims or loss you may suffer in connection with any sharing, use or disclosure of your Login Credentials or any Results.
    7. 1.7If you establish a Treasury Prism Account on behalf of an organisation, each time you access the Treasury Prism Account, you warrant to us that you have obtained all relevant consents and authorisations from the organisation for the establishment and use of the Treasury Prism Account, Data and/or Results. You further undertake to cease all use and access of the Treasury Prism Account, Data and/or Results if you leave the organisation, or if at any time any such consent or authorisation is terminated.
    8. 1.8We are constantly changing and improving the Services and have the right to add or remove functionalities and functions at our discretion.  We may also suspend or terminate your access to the Services, any Data and/or Results at any time without notice and without assigning any reason.
    9. 1.9For your convenience, we may include hyperlinks to websites on the Internet that are owned or operated by third parties. Such linked websites are not under our control and are not endorsed by us, and your access to and/or use of such linked websites is entirely at your own risk and subject to the terms and conditions of access and/or use of such websites.
    10. 1.10You agree to indemnify, defend and hold us and any of our affiliates, licensors and agents, and all of their officers, directors, employees, agents, information providers and licensors harmless from and against any and all claims, damages, losses, liability and costs (including legal fees and costs) (“Claims and Losses”) incurred by any of these parties that arise out of or in connection with or are caused by your use of our Services or any Results, your breach of these Terms, your infringement of any intellectual property rights, or any acts or omissions by you or any user of your Treasury Prism Account.
    1. 2.1All Data shall become our property and we may use such Data in accordance with these Terms and where personal data is involved, our DBS Bank Privacy Policy, available at www.dbs.com/privacy  (“DBS Privacy Policy”). In submitting any Data, you warrant to us that you are fully authorised to do so in accordance with these Terms, and that such Data is not confidential nor commercially sensitive.
    2. 2.2You agree and consent to Data being collected, used and disclosed by us, our business partners, service providers and other third parties for:
      1. contacting you to follow up on your interactions with the Services or for addressing your questions, or to provide information on the products and services offered by us or our business partners;
      2. our internal operational, administrative and risk management purposes;
      3. market research and analytics; or
      4. any other purposes referenced in our DBS Privacy Policy (and for the avoidance of doubt, regardless whether the Data comprises “Personal data” within the meaning of that policy).
    1. 3.1Subject to your agreement and compliance with these Terms, we grant you a limited non-exclusive, revocable licence to access the Services via the Site in accordance with these Terms.
    2. 3.2In providing you the Services, we may use third party software, tools, databases and services. You agree that your use of the Services is subject also to any terms imposed by these third parties, and you agree to be bound by such terms on a “pass-through” basis.
    3. 3.3All copyrights, trade marks and all other intellectual property comprised in or associated with the Services and any Results are and remain our property and that of our related corporations, or its licensors.
    1. 4.1You understand and agree that the Services are automated simulations based on models that may not take into account your specific circumstances. Any Results are without any intervention by us and have not been reviewed by us for accuracy, adequacy or completeness. You agree that the Services are merely informational and do not constitute advice, and that the Services are not an offer or solicitation to sell or provide any product or service to you in any jurisdiction.
    2. 4.2You also agree and acknowledge that:
      1. laws and regulations may change and models applied to the Services may not be fully updated nor take into account risks relating to any market, currency, economic, political, business environments or other risks;
      2. the Services rely on information provided by third party information providers who do not warrant the truth, accuracy, completeness or timeliness of their information, and such information may not have been verified, considered or assessed by us;
      3. Results are indicative only and we make no representation regarding the feasibility, likelihood or probability that any actual or proposed solution will in fact achieve a particular financial outcome or goal.  We are unable to predict or forecast market fluctuations or other uncertainties that may affect the outcome of any solution; and
      4. the solutions and proposals provided in the Results may not be products or services made available or offered by us.  Your eligibility for any product or service offered by us is subject to our determination and/or acceptance.
    3. 4.3You should always obtain independent verification of the Results and consult your bankers or other professional advisors (including but not limited to legal, financial, accounting, tax, and regulatory compliance advisors) before committing to any course of action.
    4. 4.4The Services are provided "as is" and "as available".  No warranty of any kind, implied, express or statutory (including but not limited to warranties of title, merchantability, satisfactory quality, non-infringement of intellectual property rights, satisfactory quality, fitness for a particular purpose, truth, accuracy, adequacy, completeness or reasonableness of the information and materials contained in or accessed through or the Services or freedom from malicious code), is given in conjunction with the Services and/or Results, all of which are expressly disclaimed.
    5. 4.5We shall not be liable to you or any other party for any Claims and Losses arising from or in connection with any of the following whether direct, indirect, special, incidental or consequential, and even if we had been advised of such possibility:
      1. your use or inability to access or use the Services and/or Results;
      2. reliance on any Results, information, or online services provided via the Services;
      3. any failure of performance of any system or server associated with the Services;
      4. any connection failure, error, omission, interruption, breach of security, computer virus, malicious code, data corruption or delay of the Services;
      5. any products, data, information or services purchased or obtained or messages received or transactions entered into, through, from or in connection with the Services or Results;
      6. access to, disclosure or alteration (whether authorised or not) of your Data by any party or any loss or inability to retrieve any Data; or
      7. the performance or non-performance of any third party account provider site, or any provider or third party.
    6. 4.6If to any extent we are unable at law to exclude our liability, our maximum aggregate liability and that of our affiliates, licensors and agents shall not exceed TEN SINGAPORE DOLLARS (SGD 10).
    1. 5.1Electronic communications may be delivered by us to you via the Site, or to your registered e-mail address.
    2. 5.2We do not waive our rights by delaying or failing to exercise them. If any provision of these Terms is or becomes invalid, illegal or unenforceable, it shall be deemed modified to the minimum extent necessary to avoid such a result. If such modification is not possible, the provision shall be deemed deleted to the minimum extent necessary for it to be valid, legal and enforceable. Any such modification or deletion shall not affect the rest of these Terms.
    3. 5.3Section headings in these Terms are for reference only, and shall not affect the interpretation of any provision of these Terms.
    4. 5.4Legal restrictions may apply to the distribution of information regarding certain products and services in some jurisdictions, and the Services are not intended for the use of persons located in those jurisdictions to which the restrictions apply. It is your responsibility to ensure that you are aware of all relevant restrictions which apply to you. In the event that any laws applicable to you impose restrictions on or do not permit the access to the Services, you shall forthwith discontinue access or comply with such restrictions.
    5. 5.5These Terms and the DBS Privacy Policy represent the entire understanding between us regarding the Services and the subject matter of these Terms and supersedes any prior agreement, statements or representations.
    6. 5.6These Terms are governed by Singapore law. You irrevocably agree to submit to the exclusive jurisdiction of the Singapore Courts.