Terms of Use

Please read these terms of use carefully before viewing this site. They set out the terms and conditions on which we make this site and its content available to you. By viewing or using this site you agree that you have read and agree to be bound by these terms of use (as amended and posted on this site from time to time) and our privacy policy, which forms a part of these terms of use. By using this site you confirm that you accept these terms of use, you agree to comply with them and you consent to the uses of your personal data being made as are set out in our privacy policy. If you do not agree to these terms of use, you must not use our site.

Introduction

Welcome to www.arbuthnotlatham.co.uk (the “Site”). In these terms of use (“Terms of Use”), the expressions “we”, “us” and “our” mean Arbuthnot Latham & Co., Limited. This Site is owned and operated by Arbuthnot Latham & Co., Limited. These Terms of Use constitute an agreement between you (the user) and us relating to your use of the Site. Use of our Site includes accessing, browsing, or registering to use our Site.

Important Information

The information provided on this Site or in any communication containing a link to this Site is for personal use and information purposes only, must not be relied upon in connection with any investment decision, and is not intended for distribution to, or use by, any person or entity in any jurisdiction in any country where such distribution or use would be contrary to law or regulation or which would subject any company in the Arbuthnot Banking Group to any registration requirement within such jurisdiction or country. Persons in respect of whom such prohibitions apply must not access this Site. In accessing this Site, it is your responsibility to comply with applicable local, national and international laws and regulations. Where any opinions are expressed on this Site or in any communication containing a link to this Site, they are provided by us for personal use and information purposes only.

The services and products on this Site or in any communication containing a link to this Site are not aimed at or intended for residents of the United States of America, Canada, Australia, Japan or the Republic of South Africa; or at or for a resident of any country where the receipt of this information would be unlawful.

Where any information on this Site constitutes a financial promotion for the purposes of the Financial Services and Markets Act 2000, it is issued and approved by Arbuthnot Latham & Co., Limited for distribution and use in the UK only.

Modifications to this site and these Terms of Use

We reserve the right to correct, alter, suspend or remove any content of the Site at any time without notice and from time to time.

We may alter these Terms of Use at any time without notice and from time to time and post the new version on the Site, following which posting all use of the Site will be governed by that revised version. You must check these Terms of Use regularly and thoroughly as they are binding on you.

Governing Law

These terms of use and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales.

The parties irrevocably agree that the courts of England and Wales shall have non-exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with these terms or their subject matter or formation (including any non-contractual disputes or claims.

Legal Exclusions and Limitations

The information contained in this Site is subject to, and must be read in conjunction with, all other publicly available information including, and where relevant any fuller disclosure document published by us or any other company in the Arbuthnot Banking Group.

While we take every care to ensure that the standard of the Site and its content remains high and to maintain the continuity of the Site, you should be aware that the Internet is not an absolutely stable medium and you agree that the Site and its content is provided to you “as is” and that errors, omissions, interruptions of service and delays may occur at any time. We do not accept any on-going obligation or responsibility to operate the Site (or any part of it) or to provide the services offered on the Site. In addition, we make no representations or warranties about the accuracy, completeness, freedom from viruses, availability, reliability or suitability for any purpose of the information and related content and graphics published on the Site (including all texts, advertisements, links or other items) which may contain technical inaccuracies and typographical errors.

You agree that you shall not attempt to interfere with the proper working of the Site and, in particular, you shall not attempt to circumvent security, tamper with, hack into, or otherwise disrupt any computer system, server, website, router or any other Internet connected device relating to the Site.

Unless otherwise specified all content and materials published on the Site are presented solely for your private, personal and non-commercial use. You assume total responsibility and risk for your use of the Site and use of all information contained within it. The information given on the Site is for information only and does not constitute investment, legal, accounting or tax advice, or a representation that any investment or service is suitable or appropriate to your individual circumstances. Please seek professional advice before making any investment decision. Nothing on the Site should be construed as a solicitation or offer, or recommendation, to buy or sell securities or any other investment or banking product, or to provide any investment advice or service.

Nothing in these Terms of Use shall exclude or limit our duties and liabilities to you under the Financial Services and Markets Act 2000, or any conduct of business rules with which we are bound to comply.

Linked Sites

On the Site you may be offered various links to other sites which we hope you will be interested in and enjoy. We do not accept any responsibility for the content of those sites, the owners of which do not necessarily have any association, commercial or otherwise, with us.

As you navigate between the different pages on Arbuthnot Banking Group websites you may interact with different entities in the Arbuthnot Banking Group. Each web page will clearly identify the specific entity which is responsible for that page. The Regulatory Information for each of these entities is different.

Risk Warnings

Past performance is not a guide to future performance. The value of investments, and the income from them, can go down as well as up, and you may not recover the amount of your original investment. Where an investment involves exposure to a foreign currency, changes in rates of exchange may cause the value of the investment and the income from it, to go up or down. Tax reliefs available under current legislation may change and their availability and value depend on individual circumstances. You should always consult a specialist tax adviser for further information before proceeding with a transaction.

In the case of some investments, you should be aware that there is no recognised market for them and that it may therefore be difficult for you to sell them, deal in them or to obtain reliable information about their value or the extent of the risks to which they are exposed.

Regulatory Information

Arbuthnot Latham & Co., Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Arbuthnot Latham & Co., Limited, DIFC Branch is regulated by the Dubai Financial Services Authority.

Complaints

If you have a complaint about the advice you receive, your banking services or a product you bought through us, please contact our Head of Compliance at our Registered Office (7 Wilson Street, London, EC2M 2SN). We are covered by the Financial Ombudsman Service (FOS) which is an independent service for settling disputes between financial services firms and their clients. The FOS is available to consider complaints from most clients if they cannot be settled through our own complaints procedure. There are certain rules as to eligibility and timing requirements laid down by the FOS which must be complied with.

The contact details of the FOS are as follows:

The Financial Ombudsman Service
Exchange Tower
London E14 9SR

Website: www.financial-ombudsman.org.uk
Phone: +44 (0)800 023 4567
Email: complaint.info@financial-ombudsman.org.uk

 Data Protection

Any personal data provided by you in response to this Site will be held and processed by us in accordance with our Policy. For more information, please see our Privacy Policy which forms a part of these Terms of Use.

Arbuthnot Banking Group PLC Registered Offices and Company Numbers:

Arbuthnot Banking Group PLC (parent company) is registered in England No 1954085. Registered Office: Arbuthnot House, 7 Wilson Street, London, EC2M 2SN.

Arbuthnot Latham & Co., Limited is registered in England No. 819519. Registered Office: Arbuthnot House, 7 Wilson Street, London, EC2M 2SN.

Copyright

All copyright and other intellectual property rights in the information, design, text and graphics of the Site, and the selection or arrangement thereof, is owned by us or our licensors. All rights are reserved. You may copy electronically and print in hard copy portions of the Site solely for your non-business related purpose of using the Site to seek information of the kind shown by the Site. Any other use of any materials or content on the Site (including reproduction for purposes other than that noted above, amendment, updating, distribution or republication) without our prior written consent is prohibited. All product and Arbuthnot Latham® names and logos mentioned on the Site are the trademarks, service marks or trade names of their respective owners, including us.

Termination

We reserve the right to assign, transfer, novate or subcontract any or all of our rights and obligations under these Terms of Use. If we fail to enforce a right under these Terms of Use, that failure will not prevent us from enforcing other rights or the same type of right on a later occasion. These Terms of Use (including the Privacy Policy). You agree that any suspension or termination of your access to the Site under these Terms of Use may be effected without prior notice, and agree that we shall not be liable to you or any third party for any suspension or termination of your access to the Site. We may also, in our sole discretion, and at any time, discontinue our provision of all or any part of the Site, with or without notice.

General

We reserve the right to assign, transfer, novate or subcontract any or all of our rights and obligations under these Terms of Use. If we fail to enforce a right under these Terms of Use, that failure will not prevent us from enforcing other rights or the same type of right on a later occasion. These Terms of Use (which include our Privacy Policy) set out the entire agreement between the parties. This clause shall not apply to any statement, representation, or warranty made fraudulently, or to any provision of these Terms of Use which was induced by fraud. If any provision of these Terms of Use is held to be unlawful, invalid or unenforceable, that provision shall be deemed severed and the validity and enforceability of the remaining provisions of these Terms of Use shall not be affected.