This website of Overlay is intended for general information purposes. This website provides basic information concerning the possible future(financial) services offered by Overlay. By accessing this website and the materials and information contained herein, you acknowledge that you have read, understand, accept and agree to be bound by the Terms and Conditions that follow.

Linked Internet Sites

Users are advised that information on hyperlinked or referred-to websites is neither investigated nor analyzed by Overlay No warranty or representation, express or implied, is given as to the accuracy or completeness of that information. In no event will Overlay, nor any of its directors, employees or advisors accept any liability with regard to the information contained in the individual companies', business unit’s or product group's websites or any other hyperlinked or referred-to websites. Overlay is not responsible for the content of any other internet sites linked to this site. A link to another site is meant for convenience only and does not imply that Overlay endorses the site or any products or services that it describes. Your access to and use of any other Internet sites linked to or from this site is at your own risk and Overlay assumes no obligation or liability in connection therewith. Overlay reserves the right to terminate any link or linking program at any time. By accessing this site, you also agree to abide by the proprietary guidelines set forth at any website accessed or linked to through this site.


The site content is protected by copyright. All rights in the pages, site content and arrangement are owned by Overlay or its licensors. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any site content for any other purposes than that of this site.

Trademarks, Service Marks and Logos

The trademarks, service marks and logos (‘marks’) appearing on this site are the property of Overlay or its licensors. Users are prohibited from using any of the marks without the prior written consent of the relevant company.

No Liability

While Overlay uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions sometimes occur. Overlay expressly disclaims any liability, whether in contract, tort, strict liability or otherwise, for any direct, indirect, incidental, consequential, punitive or special damages arising out of or in any way connected with your access to or use of this site, and/or any other Overlay websites whether or not Overlay were aware of the possibility of such damages. All information on this site, including but not limited to graphics, text and links to other sites, is provided ‘as is’ and is subject to change without prior notice. Such information is provided, to the fullest extent permissible pursuant to applicable law, without warranty of any kind express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement and freedom from computer viruses or similar disabling devices. Overlay does not warrant the adequacy, accuracy or completeness of any information on this site and expressly disclaim any liability for errors or omissions therein. Users are responsible for evaluating the accuracy, completeness or usefulness of any information or other content available on this site. Overlay does not warrant the error free and uninterrupted service of this website.

Complaints and questions

Overlay gives outmost importance to any customer question, problem or complaint, so that Overlay can try to find an appropriate solution for them. Please refer to the contact details in the Frequently Asked Questions to contact Overlay in your country.

Applicable law

This website and disclaimer are subject to Dutch law. Overlay is an experimental project from ING. ING is under supervision of the European Central Bank (‘ECB’). Information regarding supervision of ING can be obtained from the websites of ING.