Xero is an accounting software that lets you automate day-to-day bookkeeping tasks, so you have more time to focus on things that matter to you. With Xero you can import bank transactions and send invoice reminders, pay your staff with Xero Payroll, and drive profitability with Xero Projects. You can also invite your accountant or bookkeeper into Xero to help you meet all your tax obligations.

Visit the Xero website to find out more.

BizSmart is a compilation of digital applications, products or services offered, sold and provided by third party service providers/vendors and third party resellers/distributor (each a "Third Party" and collectively “Third Parties”).

Each Third Party (including XERO (SINGAPORE) PTE. LTD.) is independent and beyond the control of United Overseas Bank Limited (“UOB”) and its affiliates. UOB and its affiliates are not principals or agents of any Third Party.

UOB and its affiliates are not responsible for and have no control over their customers' data once such data has left UOB's and its affiliates' servers for disclosure and provision to XERO (SINGAPORE) PTE. LTD. and its affiliates, subsidiaries, related persons and other third parties as decided at their sole discretion.

For the avoidance of doubt, UOB and its affiliates:

1. makes no representation or warranty whether express or implied, and accepts no responsibility or liability for the completeness, accuracy, use, purchase and subscription of any digital applications, products or services provided by any Third Party on BizSmart;
2. shall not be responsible or liable for the acts or defaults of any Third Party or for the defects, performance, non-performance or deficiency of all or any part of the digital applications, services or the products by any Third Party on BizSmart; and
3. makes no warranty or representation on or assume any liability or responsibility as to the quality, defects, performance, non-performance, merchantability, fitness for purpose or any other aspect of the digital applications, products or the services within BizSmart.

UOB or its affiliates shall not be construed or implied as endorsing, recommending or favouring any Third Party digital application, products or services by reason of:

1. any inclusion of any digital applications, products or services under BizSmart; or
2. the promotion directly or indirectly (whether through it's or its affiliates' website or in any other manner) of any Third Party digital application, products or services by UOB or its affiliates.
   
   Before deciding to subscribe for, purchase or use such digital application, product or service, please seek advice from your advisers and consider all aspects of the digital application, product or services (including, without limitation, the suitability, reliability and security of the same).

Any dispute relating the digital applications, products or services (including, without limitation, the quality or service standard) must be resolved directly with the respective Third Parties.

All costs and expenses payable in connection with the subscription and use of the digital applications, products or services under BizSmart shall be borne by the subscriber, user or purchaser of such digital applications, products or services.