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Terms and Conditions

PLEASE READ THE FOLLOWING TERMS AND CONDITIONS CAREFULLY. BY ACCESSING SSGA.COM.AU AND ANY PAGES THEREOF (the “Site”), YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS AS WELL AS ANY FUTURE REVISIONS STATE STREET GLOBAL ADVISORS (“SSGA”) MAY MAKE IN ITS DISCRETION. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE, OR ANY PAGES THEREOF.

Operation of the Site

This Site is operated by State Street Global Advisors, Australia Service Limited, which is registered with the Australian Services and Investments Commission and holds an Australian Financial Services License.  State Street Global Advisors, Australia Service Limited may be referred to herein as “SSGA Australia” or “we”.

Access

You are accessing SSGA Australia’s network pursuant to the terms of this Agreement and any existing agreement you may have with us. You and your authorized designees (“Authorized Designees”) access the Site “AS IS” and acknowledge that the Site and the remote access services related to use of certain portions of this Site are proprietary to and confidential property of SSGA Australia and/or its affiliates and their relevant licensors and information and data suppliers (“Suppliers”). All equipment, systems, services and software are to be used for your business purposes only in accordance with the terms of this Agreement and your agreement(s) with SSGA Australia. Unauthorized access, use or distribution is a violation of law. SSGA Australia reserves the right to monitor and audit all transactions and data (including e-mail messages) for any purpose sent over this network and your use of this Site unless prohibited by law. You agree that a printed version of this Agreement shall be admissible in judicial or administrative proceedings to the same extent as other business documents and records.

Certain portions of this Site are secure. The secure portions of the Site and information therein that you receive are encrypted for privacy. State Street Global Advisors, a division of State Street Bank and Trust Company (“SSGA”) and an affiliate of SSGA Australia, is responsible for operating the secure portions of SSGA.com site and takes reasonable and appropriate measures, including encryption, to ensure that information is disclosed only to you. However, the Internet is an open system and there is no absolute guarantee that the information you have retrieved will not be intercepted by others and decrypted, and you assume that risk in accessing the Site.
Not all products or services provided on the Site are available in all jurisdictions. SSGA Australia’s products and services are only available in jurisdictions where it is lawful to advertise and market these products and services. The information on the Site has been prepared for informational purposes only without regard to any particular user’s investment objectives, or financial situation or position and SSGA Australia is not soliciting any action based upon them.

Unless otherwise indicated either in the Site or herein, SSGA Australia or its affiliates own the copyright and any other intellectual property rights subsisting anywhere in the world to the information on this Site. You may not copy, reproduce, duplicate, modify, adopt or lend, sell, disseminate or otherwise transfer, in whole or in part, any of the information contained in this Site, except for the purpose of accessing the Site and producing print-outs for your own personal use, or making a reasonable number of copies of such pages for internal use within your organization in accordance with this Agreement. Users of this Site shall not remove, alter, or obscure any copyright, trademark, trade secret or other proprietary rights notices appearing in or on the website, and shall reproduce all such notices on any copies of content made by or on behalf of users.

No Offer/Local Restrictions
Nothing contained in or on the Site should be construed as a solicitation of an offer to buy or offer, or recommendation, to acquire or dispose of any security, commodity, investment or to engage in any other transaction.
No information included on this Site is to be construed as investment advice or as a recommendation or a representation about the suitability or appropriateness of any advisory product or service; or an offer to buy or sell, or the solicitation of an offer to buy or sell, any security, financial product, or instrument; or to participate in any particular trading strategy.  SSGA Australia recommends that you seek independent financial and tax advice before making any investment decisions.
The information provided on the Site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation. All persons and entities accessing the Site do so on their own initiative and are responsible for compliance with applicable local laws and regulations. The Site is not directed to any person in any jurisdiction where the publication or availability of the Site is prohibited, by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not access the Site.

Jurisdictional Matters

The information available by accessing the non-Australian portions of the SSGA.com site has been prepared and is maintained by affiliates of SSGA Australia, including but not limited to SSGA, State Street Global Advisors Asia Limited (道富環球投資管理亞洲有限公司), State Street Global Advisors Singapore Limited, State Street Global Advisors Limited, State Street Banque, S.A., State Street Bank Europe Ltd., State Street Global Advisors AG, State Street Global Investments SGR p.A., State Street Global Advisors GmbH, State Street Global Advisors, Ltd., State Street Trust and Banking Co., Ltd. and State Street Global Advisors (Japan) Co., Ltd.

These affiliates offer products and services designed specifically for investors outside of Australia. The information and other material contained on the non-Australian portion of the SSGA.com site are only directed at and available to investors in specific countries. All content contained therein should be considered, and is subject to, the specific regulatory requirements under which these affiliates operate, respectively.

No Reliance

Information contained in the Site is checked and updated by SSGA Australia with due diligence on a regular basis. However, data and information on the Site may become outdated. Therefore, neither State Street Corporation, SSGA, SSGA Australia nor any of their affiliates assumes any liability or guarantee for the timeliness, accuracy and completeness of the information provided. SSGA Australia uses reasonable efforts to obtain information from sources which it believes to be reliable; however, SSGA Australia makes no representation that the information or opinions contained on the Site are accurate, reliable or complete. The information on the Site is provided for informational purposes only and is subject to change without notice. The investments and strategies discussed in the contents may not be suitable for all investors and are not obligations of SSGA Australia or guaranteed by SSGA Australia. The investments are not bank deposits and are not insured by any entity or regulatory authority and are subject to investment risks, including the loss of the principal amount invested. Nothing contained on the Site constitutes investment, legal, tax or other advice nor is to be relied on in making an investment or other decision. You should obtain relevant and specific professional advice before making any investment decision.

No Warranty

THE SITE AND THE INFORMATION INCLUDED ON THE SITE ARE PROVIDED TO YOU “AS IS” WITHOUT ANY WARRANTIES OF ANY KIND. NONE OF STREET CORPORATION, SSGA, SSGA AUSTRALIA NOR ANY OF THEIR RESPECTIVE AFFILIATES OR SUPPLIERS, WARRANTS THE ACCURACY, ADEQUACY, COMPLETENESS, OR TIMELINESS OF THE MATERIALS PROVIDED ON THIS SITE OR THE SITE’S ERROR-FREE USE OR CONNECTIVITY OR AVAILABILITY OF THE SITE OR CONTENT. THERE IS NO WARRANTY OF ANY KIND - EITHER EXPRESS OR IMPLIED - INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT OF THIRD-PARTY RIGHTS, TITLE, MERCHANTABILITY, ACCURACY, AVAILABILITY AND FITNESS FOR ANY PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS.

SSGA AUSTRALIA MAKES NO WARRANTY WHATSOEVER TO YOU, EXPRESS OR IMPLIED, REGARDING THE SECURITY OF THE SITE, INCLUDING WITH RESPECT TO THE ABILITY OF UNAUTHORIZED PERSONS TO INTERCEPT OR ACCESS INFORMATION TRANSMITTED BY YOU THROUGH THIS SITE.

Limitations of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT, INCLUDING NEGLIGENCE, SHALL STATE STREET CORPORATION, SSGA, SSGA AUSTRALIA OR ANY OF THEIR RESPECTIVE AFFILIATES OR SUPPLIERS BE LIABLE FOR ANY LOSS OR DAMAGE OF ANY KIND, INCLUDING ANY DIRECT, SPECIAL INDIRECT OR CONSEQUENTIAL DAMAGES (INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF DATA, LOSS OF PROGRAMS, OR ANY OTHER PECUNIARY LOSS), ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE ACCESS OF, USE OF, PERFORMANCE OF, BROWSING IN OR LINKING TO OTHER SITES FROM THE SITE , OR ANY INFORMATION AND RELATED GRAPHICS CONTAINED IN OR MADE AVAILABLE THROUGH THE SITE, EVEN IF STATE STREET CORPORATION, SSGA, OR ANY AFFILIATE OR SUPPLIER HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BECAUSE SOME STATES AND JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. YOU HEREBY RELEASE AND FOREVER WAIVE ANY AND ALL CLAIMS YOU MAY HAVE AGAINST STATE STREET CORPORATION, SSGA, SSGA AUSTRALIA OR THEIR RESPECTIVE AFFILIATES AND SUPPLIERS, OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, INFORMATION PROVIDERS OR SUPPLIERS FOR LOSSES OR DAMAGES YOU SUSTAIN IN CONNECTION WITH YOUR USE OF THIS SITE.

Hyperlinks

SSGA Australia is not responsible for the content or accuracy of third-party sites hyperlinked from this Site, nor does SSGA Australia guarantee the products or services offered on third-party sites. You acknowledge and agree that neither SSGA Australia nor any of its affiliates is responsible for the availability of such third-party sites, does not endorse, approve, investigate or verify, and is not responsible or liable for any content, advertising, products, or other materials on or available from such sites. You further agree that neither SSGA Australia nor any of its affiliates shall be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, products or services available on such external sites. These links are provided as a convenience and solely for informational purposes. SSGA Australia is not making any recommendation to invest in, purchase, or sell any securities or other products or services offered on the linked sites, nor has SSGA Australia sought to verify or confirm the information contained in the linked sites. Accordingly, SSGA Australia disclaims any responsibility for the linked sites.  Review the privacy statements of any Web site you visit before you provide any personal/confidential information or conduct a transaction.
No other site, without the prior written permission of SSGA Australia, is authorized to link to any part of this Site.

Investment Performance

YOU ACKNOWLEDGE THAT ALL DATA AND INFORMATION TRANSMISSIONS VIA THE SITE ARE SOLELY FOR THE INFORMATIONAL AND OTHER PURPOSES SET FORTH HEREIN, AND ARE NOT INTENDED AS FINANCIAL ADVICE OR AS AN OFFER, SOLICITATION OR RECOMMENDATION OF SECURITIES OR OTHER FINANCIAL PRODUCTS, OR TO SATISFY REGULATORY REQUIREMENTS OR COMPLY WITH ANY APPLICABLE LAWS, RULES, REQUIREMENTS OR STANDARDS OF ANY GOVERNMENTAL AUTHORITY, AGENCY OR INDUSTRY REGULATORY BOARD, WHICH COMPLIANCE IS YOUR SOLE RESPONSIBILITY. HISTORICAL PERFORMANCE IS NOT NECESSARILY INDICATIVE OF FUTURE PERFORMANCE OF AN INVESTMENT. THE VALUE OF INVESTMENTS MAY FALL AS WELL AS RISE AND INVESTORS MAY NOT GET BACK THE AMOUNT INVESTED.

Security Procedures

You agree to comply, and to cause your Authorized Designees to comply, with remote access operating standards and procedures and with user identification or other password control requirements and other security procedures as may be issued from time to time by SSGA Australia (or an affiliate) for use of the secure portions of the SSGA.com site and access to the remote access services. You agree to advise SSGA Australia (or an affiliate) immediately in the event that you learn or have reason to believe that any person to whom you have given access to the SSGA.com site has violated or intends to violate the terms of this Agreement and you will cooperate with SSGA Australia (or one of its affiliates) in seeking injunctive or other equitable relief. You agree to discontinue use of the SSGA.com site and remote access services, if requested, for any security reasons cited by SSGA Australia (or an affiliate) without liability to State Street, SSGA, SSGA Australia, its affiliates or its Suppliers.

Single Sign-On

SSGA has enabled single sign-on to grant users access to multiple applications, functionality and reports after the initial authentication and log-on to the secure portions of the SSGA.com site. Certain sensitive and high risk products may require 2-factor authentication using a secure token or digital certificate. Upon being authenticated at a higher level, SSGA’s single sign-on will make all the SSGA.com site products available to users, including, high access level products. To close or log-off of all the SSGA.com site products, including high level access products, you must completely log-off of the SSGA.com site. Please be advised that if you do not completely log-off of the SSGA.com site, then your access, including that to high level products, will continue throughout the SSGA.com site session. If your SSGA.com site session is inactive for a period of time, then SSGA will automatically close all sessions to effect a log-off of all products.

Proprietary Information/Injunctive Relief

The Site described herein, the SSGA.com site and the databases, computer programs, screen formats, report formats, interactive design techniques, formulae, processes, systems, software, know-how, algorithms, programs, training aids, printed materials, methods, books, records, files, documentation and other information made available to you by SSGA as part of the remote access services and through the use of the Site and all copyrights, patents, trade secrets and other proprietary rights of SSGA and SSGA Australia related thereto are the exclusive, valuable and confidential property of SSGA, SSGA Australia and their relevant licensors (the “Proprietary Information”). You agree on behalf of yourself and your Authorized Designees to keep the Proprietary Information confidential and to limit access to your employees and Authorized Designees (under a similar duty of confidentiality) who require access to the Site for the purposes intended. The foregoing shall not apply to Proprietary Information in the public domain or required by law to be made public.

Restrictions on Use

You agree to use the remote access services only in connection with the proper purposes of this Agreement. You will not, and will cause your employees and Authorized Designees not to, (i) permit any third party to use the Site or the remote access services related to the SSGA.com site, (ii) sell, rent, license or otherwise use the Site or the remote access services related to the SSGA.com site in the operation of a service bureau or for any purpose other than as expressly authorized under this Agreement, (iii) use the Site or the remote access services related to the SSGA.com site for any fund, trust or other investment vehicle without the prior written consent of SSGA Australia, (iv) allow or cause any information transmitted from SSGA Australia’s databases, including data from third party sources, available through use of the Site or the remote access services, to be published, redistributed or retransmitted for other than use for or on behalf of yourself, as SSGA Australia’s customer, and (v) use more than one asset identifier per security. In no event may you use the data and information on the Site in lieu of obtaining appropriate licenses from the applicable Supplier, and SSGA Australia may limit the use of this Site accordingly.

Modification of the Site

You agree that neither you nor your Authorized Designees will modify the Site in any way, enhance or otherwise create derivative works based upon the Site, nor will you or your Authorized Designees reverse engineer, decompile or otherwise attempt to secure the source code for all or any part of the Site.

Indemnification

You agree to make SSGA Australia and its affiliates whole for any and all claims, losses, liabilities, and expenses (including attorneys’ fees) arising from your use of the Site or any violation of this Agreement unless prohibited by law.

Commodities Management

SSGA Australia generally delegates commodities management for separately managed accounts to SSGA FM, a wholly owned subsidiary of State Street and an affiliate of SSGA Australia. SSGA FM is registered as a commodity trading advisor (“CTA”) with the U.S. Commodity Futures Trading Commission and National Futures Association.
This communication is not specifically directed to investors of separately managed accounts (SMA) utilizing futures, options on futures or swaps. SSGA Australia SMA clients should contact SSGA Relationship Management for important CTA materials.

Applicable Law

Your use of this Site and this Agreement is governed by the laws of Australia and you submit to the non-exclusive jurisdiction of the Australian courts.

If any provision of this Agreement shall be held to be invalid, illegal or unenforceable, the validity, legality and enforceability of the remaining provisions shall not in any way be affected. No term or provision shall be deemed waived and no breach excused unless such waiver or consent shall be in writing and signed by the party claimed to have waived or consented. You shall not assign this Agreement, or any of your rights and obligations hereunder, without SSGA Australia’s prior written consent.

SSGA Australia reserves the right, in its sole discretion, to change, modify, add or remove portions of this Agreement at any time without notice to Site users. SSGA Australia also reserves the right, in its sole discretion, to change, modify, add or remove the content of this Site or to terminate the website in whole or in part. Similarly, SSGA reserves the right, in its sole discretion, to change, modify, add or remove the content of the SSGA.com site, including the country-specific sections, or to terminate the website in whole or in part. You must check this Agreement periodically for changes. Any changes, modifications, or additions to, or deletions from this Agreement shall be effective upon posting on this Site. If you access this Site, including the country-specific sections on the SSGA.com site, after changes to the Agreement are posted changes, you further acknowledge the Agreement as changed and agree to be bound by them.

Security Measures: Maintaining Privacy


Maintaining your privacy and personal data we may obtain in the course of business requires that we guard against unauthorized access to your information. Therefore, we operate secure data networks protected by industry-standard security measures designed to protect against the loss, misuse, and alteration of the data you share with us, either directly or indirectly.

User Authentication

Your access to certain portions of the Site (and the SSGA.com site) is password-protected and for higher risk applications may have an additional authentication challenge. Once you select your personal password, you may enter and access information.


Browser Security Measures

To ensure browser security, (i) we require that your browser support SSL and (ii) you do not allow information to be stored on your hard drive unless you specifically download it and save it on your computer.

Data Security Measures

We take industry-standard steps to protect against any anticipated threat or hazards to the security or integrity of your data. We utilize information-scrambling technologies to protect the information sent to or from this Site. This Site uses VeriSign® global certificates that automatically enable 128-bit encryption with all versions of the required browser.

Nonetheless, no representation is made regarding the unconditional security of such submissions.

Firewalls

To prohibit unauthorized access that may harm your records or inconvenience you, we utilize specialized computers (“firewalls”) that limit the entry of those without proper authorization. These shields check to make sure that communication occurs between approved individuals in accordance with proper protocol.

Ongoing Surveillance

Our security systems regularly monitor the Web server to help maintain the security of this Site. This includes monitoring SSGA’s employees to ensure that only authorized individuals have access to the information you provide us.

Use of Cookies

A cookie is a text-only string of information that a website transfers to the cookie file of the browser on your computer’s hard disk so that the website can remember who you are and help you navigate the site. A cookie will typically contain the name of the domain from which the cookie has come, the “lifetime” of the cookie, and a value, usually a randomly generated unique number. SSGA uses temporary Session Cookies that allow users to navigate across pages without having to re-enter an ID/password. Each time you visit this Site, we may collect information by use of a “cookie.” Cookies may be tracked during each visit, thereby helping us understand what parts of the Site you find most useful and where, over time, you are likely to return. This information allows us to improve the Site’s content, navigation, and customization features, providing you with a more satisfying service experience.

Disabling/Enabling Cookies

You have the ability to accept or decline cookies by modifying the settings in your browser. However, this Site cannot be accessed if cookies are disabled, and SSGA expressly reserves the right to monitor use of the Site. For more information about cookies, their uses and instructions on modifying related browser settings, you may visit public sites such as allaboutcookies.org as well as other public resources on the subject.

GDPR Privacy Notice

At State Street Global Advisors (“SSGA”) we are committed to handling your Personal Data (defined below) responsibly and would like to let you know that we recognise and respect your right to privacy. This notice explains how SSGA and any fund or product sponsored, managed, or otherwise affiliated with SSGA (the “Funds”) (together “we”, “our”, “us”) collect, use, share or otherwise process Personal Data in connection with your relationship with us. For a list of the SSGA entities and Funds acting as a controller for the purposes of GDPR, please see annex I.

We may provide supplemental notices from time to time, for example where we collect or use your sensitive personal data, which should be read together with this notice. We will publish the current notice on our websites (the “Sites”) which will apply each time you share Personal Data with us. We reserve the right to amend or update this notice at any time.

How we collect your Personal Data

We may collect your contact details (such as your address, email address and telephone number) or other information (such as your job title, identifying information required for anti-money laundering and related matters, your IP address, and information regarding the computer or mobile device ("ElectronicDevice") used to access our Sites, such as its operating system, unique identifier, and model name, as well as its user configurations and settings etc.) from which you can be identified (“Personal Data”). We may collect and use, for example, details you provide:

  1. by filling in online/application/dealing forms,
  2. during our onboarding process;
  3. during telephone calls or meetings with us or our representatives/agents,
  4. when you register to use or use our Services (including via our Sites),
  5. when registering or subscribing to our newsletters or conferences,
  6. when asking us to authenticate you as an authorised user and to facilitate communications between us that you request,
  7. by completing surveys issued by SSGA (we will process information provided by you for research and monitoring purposes).

We use cookies on our Sites. Cookies are small files stored on a computer that are designed to hold small amounts of data specific to a user and the websites to help tailor that user’s experience with the Sites. See the section below entitled “Cookies”.

We may combine the information that we collect with personal or other information that we obtain from third parties (such as social media networks or marketing partners) or that we collect from you in other contexts (such as when you email us, call us, or attend one of our events). If the information collected is about you or relates to you, or is combined with such information, we will treat it as Personal Data.

Any Personal Data which you provide to us or our agents is at your sole discretion. However, we may not be able to engage with you (fully or at all) if you do not provide requested Personal Data. Please do let us know if your Personal Data changes during our relationship. Please note that if your Personal Data is anonymised, it is no longer Personal Data.

Basis of and Use of Personal Data

In order to effectively manage our relationship with you, we will collect, use, process, or arrange processing of this Personal Data if and to the extent that we have a lawful basis to do so; that is:

  1. you have consented;
  2. we need to do so in order to perform the contract we have entered into with you/in relation to your investment in our Fund or the provision of State Street services as well as to effect administrative or operational processes by SSGA, our Funds or their service providers (“Services”);
  3. if we need to do so in order to comply with an EU legal or regulatory obligation; or
  4. if we (or a third party) have a legitimate interest which is not overridden by your interests or fundamental rights and freedoms. Such legitimate interests may include direct marketing by State Street entities or our regulatory obligation as a global financial institution. You have the right to unsubscribe from such direct marketing. See the section below entitled"Marketing Communications and Your Choices".

We will also use your Personal Data and the Funds and their service providers (or any of their affiliates, agents, employees, delegates or sub-contractors) will use your Personal Data to:

  1. provide Services to you and/or the institution that you act for;
  2. to facilitate the opening of your account, the management and administration of your holdings and/or your holdings in a Fund and any related account on an on-going basis;
  3. carry out anti-money laundering checks and related actions;
  4. carry out fitness and probity checks and related actions;
  5. to report tax related information to tax authorities in order to comply with a legal obligation;
  6. to monitor and record calls and electronic communications for (a) processing and verification of instructions, (b) investigation and fraud prevention purposes, (c) for crime detection, prevention, investigation and prosecution, (d) to enforce or defend SSGA, the Funds and their affiliates', directly or through third parties to whom they delegate such responsibilities or rights in order to comply with any applicable legal obligation, (e) for quality, business analysis, training and related purposes (f) to pursue our legitimate interests in relation to such matters or (g) where the processing is in the public interest;
  7. to update and maintain records and fee calculations;
  8. enhance or personalise your online experience ;
  9. authenticate you as an authorised user and to facilitate communications between us that you request;
  10. fulfil your requests, including sending you white papers, newsletters and other supplements;
  11. contact you for marketing purposes in-line with the applicable laws (see the section below entitled "Marketing Communications and Your Choices");
  12. operate our business in a prudent manner in accordance with industry standards and applicable law, which may include, in addition to supporting the Services; responding to inquiries and requests; preventing fraud; and monitoring and archiving communications;
  13. to take advice from our advisors;
  14. for governance and management reporting purposes.

We may use or disclose your Personal Data if we are required to do so by law or if we reasonably believe that we need to do so to protect our rights or to comply with a judicial or regulatory requirement or to pursue our legitimate interests. If we need to use your Personal Data for a reason which is not reasonably compatible with the original purpose, we will notify you and explain the basis on which we are permitted to so use your Personal Data.

Marketing Communications and Your Choices

SSGA uses information collected to market business services to our institutional customers. Specifically, we may collect, use, and/or share your information with our affiliates and service providers in order to provide specific information that you request, thought leadership materials, industry information, invitations to events and webinars, and other communications or solicitations that we believe will be of interest to you. We target and tailor such communications based on your interaction with us such as on our Sites and with our emails; your inquiries; your participation in events or webinars; relevant social media activity; and other third-party data. If you do not wish to receive this information from us, please manage your preferences accordingly. You can also unsubscribe by clicking on the unsubscribe link in any of our emails or by letting your SSGA contact know.   

How we may share Personal Data

We may disclose or share Personal Data:

  1. to our affiliates for various purposes, as permitted by law, including in order for its affiliates to provide services;
  2. with government agencies, exchanges, or other self-regulatory organisations and law enforcement authorities as required or permitted by law, rule, regulation or legal process, including, without limitation, for governmental reporting or to enforce any rights SSGA may have against you as necessary. Personal Data about you that is collected on our Sites, or in the course of the provision of Services, including any of your financial information, can become subject to the legal systems and laws in force in each state or country (a) where it is held, received or stored by you or us, (b) from where it is accessed by you or us, or (c) through which it passes. In addition, if you have an account at SSGA, because your account(s) may include information about more than one individual and about your business relations with SSGA and its affiliates, statements released to comply with legal process may contain information regarding your relationship with these individuals and with us and our affiliates.
  3. at the request of a regulatory agency or in connection with an examination of us by bank or other examiners;
  4. at the request of our internal or external auditors or attorneys;
  5. when we believe disclosure is necessary or appropriate to prevent physical harm or financial loss in connection with an investigation of suspected or actual illegal activity,
  6. if disclosure is necessary to protect the vital interests of a person;
  7. to non-affiliated third parties with whom we have contracted to perform services on its behalf. We require our third-party servicers to agree to comply with appropriate privacy and security standards or to undertake to provide similar and appropriate levels of protection as we do when processing Personal Data.
  8. with a successor entity in the event of a merger, acquisition or similar transaction
How we Transfer and Store Personal Data
 
SSGA is a global organisation and part of the global State Street group; Personal Data we collect may be transferred internationally throughout the world to countries where State Street does business, which may not have the same data protection laws as the country in which you reside. We have relevant legal safeguards, internal policies and procedures in place in an effort to achieve an equivalent level of protection across our organisation. To find out more about the safeguards that SSGA has in place please contact Jill Stoller (Chief Privacy Officer) at JStoller@StateStreet.com. The transfer of Personal Data to other countries is based on a business need or to comply with applicable laws. Personal Data stored or processed in a foreign jurisdiction may be accessed under a lawful order made in that jurisdiction.
 
By providing your information to SSGA in the course of your access and use of our Sites or the Services, you agree that your Personal Data, for the purposes explained in this privacy notice, may be transferred to and stored in other countries where SSGA does business, which may not have the same data protection laws as the country in which you reside.
 
How we protect your Personal Data
 
We use security measures, in compliance with applicable law, to protect Personal Data from unauthorised access or use. Yet you should understand that the open nature of the Internet is such that information and Personal Data may flow, without security measures, over networks connecting you to our systems and may be accessed and used by people other than those for whom the data is intended.
 
To safeguard against unauthorised access to Personal Data by third parties, all electronic Personal Data held by SSGA is maintained on systems protected by secure network architectures that contain firewalls and intrusion detection devices. The servers holding Personal Data are "backed up" (i.e., recorded) on a regular basis in an effort to avoid any inadvertent erasure or destruction of such Personal Data and are stored in facilities with appropriate security and fire detection and response system.
 
When you contact SSGA with questions about our Sites or the Services, we must confirm your identity on the phone before discussing your information. The questions and answers you select when logging into our Sites for the first time are used for this identification process.
 
Our Sites may, from time to time, contain links to and from the sites of third parties. If you follow a link to any of these sites, please note that these sites have their own privacy notices or practices and that we do not accept any responsibility or liability for these notices, practices or sites. Please check these policies before you submit any Personal Data to these sites.
 
Retention Period
 
We will retain your Personal Data for as long as required and for as long as necessary to provide our Services, products and information or as permitted / required by applicable law. This period may extend beyond the termination of our relationship with you.
 
Your Rights
 
  • Any person who has sent us Personal Data has the right to:
  • Be informed about the Personal Data
  • Access to the Personal Data
  • Rectification of  Personal Data, where it is inaccurate or incomplete
  • Erasure of Personal Data in certain circumstances (for example, where the Personal Data is no longer necessary in relation to the purposes for which it was collated).
  • Obtain restriction of processing in certain circumstances (for example, where the accuracy of the Personal Data is contested, for the period enabling State Street to verify the accuracy of that Personal Data)
  • Object to the processing of the Personal Data
  • Receive Personal Data in a structure, commonly used and machine-readable format, and to have that Personal Data transmitted directly to another data controller (data portability)
  • Lodge a complaint to the relevant local data protection authority  
 
In the interests of security, we may request specific information from you to help us confirm your identity when you are exercising your rights.
 
If you have provided your consent to the collection, processing and transfer of your Personal Data, you have the right to fully or partly withdraw your consent. If you choose to withdraw your consent, we will no longer process your Personal Data for the purpose(s) to which you originally consented unless there are compelling legitimate grounds for further processing which override your interests, rights and freedoms or for the establishment, exercise or defence of legal claims. You may also unsubscribe from any direct marketing at any time.
 
You will not generally have to pay a fee in relation to the exercise of the above rights but please note that a reasonable fee may be levied on excessive or manifestly unfounded requests or in such cases, we may refuse to comply with such excessive or unreasonable requests.
 
How to Contact Us
 
If you have questions or comments about this privacy notice, or about how your data is processed, please contact:
Jill Stoller (Chief Privacy Officer) at JStoller@StateStreet.com
 
Annex I