Welcome to www.arbuthnotlatham.co.uk (the "Site"). In these terms of use ("Terms of Use"), the expressions "we" and "us" 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.

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.

These Terms of Use shall be governed by and construed in accordance with the laws of England and Wales.  Any disputes shall be subject to the exclusive jurisdiction of the Courts of England and Wales, to which each party submits.

Unless otherwise specified, the content on the Site is directed solely at those who access the Site from the United Kingdom (of Great Britain and Northern Ireland) and at those who are residents of the United Kingdom (of Great Britain and Northern Ireland). We make no representation that the content of the Site is appropriate or available for use by any other users.

Legal Exclusions and Limitations

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 ongoing 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. Except as expressly stated in these Terms of Use, all conditions, warranties, terms and representations (whether express or implied), statutory or otherwise are expressly excluded to the fullest extent permitted by law. You agree that we shall not be liable in contract, tort or otherwise howsoever arising out of or in connection with these Terms of Use or your use or inability to use the Site for any direct, indirect or consequential loss or damage including without limitation for any loss of data, profit, use or revenue (in each case whether direct or indirect) provided that nothing in these Terms of Use shall be construed as to limit our liability for death or personal injury caused by our negligence or for our fraud.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.

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.

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.

Arbuthnot Latham & Co., Limited, Arbuthnot Unit Trust Management Limited and Secure Trust Bank Plc are authorised and regulated by the Financial Services Authority. Nothing in these Terms of Use shall restrict our duties to you under the Financial Services and Markets Act 2000.

If you have a complaint about the advice you receive from us or a product you have bought through us, please contact the Compliance Officer.We are covered by the Financial Ombudsman Service (FOS). The FOS is available to settle certain complaints you make if they cannot be settled through our own complaints procedures. The contact details of the FOS are as follows:The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London E14 9SR
Website: www.financial-ombudsman.org.uk
Phone: 0845 080 1800

Any personal data provided by you in response to this Site will be held and processed by us in accordance with our Privacy Policy.  For more information, please see our Privacy Policy which forms a part of these Terms of Use. Arbuthnot Banking Group Registered Offices and Company Numbers
Arbuthnot Banking Group PLC (parent company) is registered in England No 1954085. Registered Office: One Arleston Way, Solihull B90 4LH. Arbuthnot Latham & Co., Limited is registered in England No. 819519. Registered office: Arbuthnot House, 20 Ropemaker Street, London, EC2Y 9AR. Arbuthnot Unit Trust Management Limited is registered in England No1536666. Registered office: Arbuthnot House, 20 Ropemaker Street, London, EC2Y 9AR.  Secure Trust Bank Plc is registered in England No 541132. Registered Office: One Arleston Way, Solihull B90 4LH.

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 trade marks, service marks or trade names of their respective owners, including us. 

We may, in our sole discretion, suspend or terminate your access to or use of the Site for any reason including without limitation if we reasonably believe that you have breached or acted inconsistently with 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. All disclaimers, indemnities and exclusions in these Terms of Use shall survive termination of the agreement between us for any reason.