Website Terms and Conditions

Thank you for visiting our website. Before you go any further it is important that you read and understand the terms and conditions under which you will access and use the website.

  • Disclaimer

    IMPORTANT NOTICE: The investment services and information (the "services") available on or via this website are not targeted at residents outside of the United Kingdom. In particular, nothing on this website should be interpreted as targeting persons or entities in the United States of America, Canada, South Africa, Australia and Hong Kong.

    Applicants may be granted access to the services once we are satisfied that such access would not be in breach of the relevant laws of the jurisdiction in which the applicant is resident, registered or domiciled.

  • Notice

    These terms and conditions, the Privacy Notice and Cookie Statement , together with any other applicable terms and policies referred to in them (the "Terms of Use") govern your use of this website. Please read the Terms of Use before using the website. Use of the website includes accessing, browsing, using or registering to use our website and any reference to 'use' shall have that meaning.

    If you are accessing other ICBC Standard Bank Group websites, outside the UK, from this website you should read the appropriate terms and conditions for those websites.

    The Terms of Use apply to the website generally and are subject to any other agreement (including any client agreements) between you and any ICBC Standard Bank Group member and such terms of use, legal notices or disclaimers applicable to specific portions of the website accessed by you.

    In the event that any online services are provided on this website, they will be subject to separate terms and conditions (see Online Services below). To the extent that you use this website to access any services you are receiving from us, your access to those services will be governed by the Terms of Use and the services specific terms in place with us. In the event of conflict between the Terms of Use and the additional terms, the additional terms shall prevail.

    All references in the Terms of Use to "ICBC Standard Bank" or "we", "us" and "our" are references to ICBC Standard Bank Plc, and/or any entity controlled, directly or indirectly, by it (each an "ICBC Standard Bank Group" member).

  • Acceptance of Terms

    The Terms of Use become effective when you use the website for the first time and constitute a legally binding agreement between us and yourself, which will always prevail. The current version of the Terms of Use will govern our respective rights and obligations each time you access this website. By your use of this website, you confirm that you have read and understood the Terms of Use and disclaimers applicable to this website and that you consider yourself bound by them. You further acknowledge that your use of this website, together with all its features, is entirely at your own risk.

    These Terms of Use were last updated as of 28 January 2015. We may revise these Terms of Use at any time without notice. Unless otherwise stated, the current version shall supersede and replace all previous versions of the Terms of Use. Any revision and/or addition to these Terms of Use shall become effective and binding on you when you continue to use the website on or after the effective date of such revision and/or addition. IF YOU DO NOT ACCEPT THE TERMS OF USE YOU MUST NOT USE THE WEBSITE.

  • About us - Company Details

    ICBC Standard Bank Plc ("ICBC Standard Bank") is a company registered in England and Wales under company number 2130447 and with our registered office address at 20 Gresham Street, London, EC2V 7JE, United Kingdom. Ultimately owned by Industrial and Commercial Bank of China Ltd.

    ICBC Standard Bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. ICBC Standard Bank’s VAT number in the UK is GB 203 9570 19.

    To contact ICBC Standard Bank (in particular, if you have any questions about these terms and conditions) you should go to the 'Contact Us' part of this website.

  • Jurisdiction and restriction

    ICBC Standard Bank controls and maintains this website from England and makes no representation that the material and information contained herein is appropriate or permitted by local laws for use in other locations/jurisdictions.

    These Terms of Use and any dispute or claim arising out of or in connection with (i) the Terms of Use including their subject matter and formation (including non-contractual disputes or claims); and (ii) your use of the website, shall be governed by and construed in accordance with English law and the parties irrevocably agree to submit to the non-exclusive jurisdiction of the English Courts to settle any such claim or dispute.

  • Online services

    Our online products and services (online services) are subject to registration procedures and approvals, which we may accept or reject at our sole discretion.

    Our online services are governed by separate terms and conditions (service terms) that are available on the relevant sections of this website where the online services are provided. In the event of conflict between these Terms of Use and the service terms, the provisions of the service terms will apply.

  • Materials & Information – no reliance

    All materials and information (collectively “Content”) contained on this website is provided "as is" and only intended to provide you with general information about us, our products, services and objectives. Nothing on this website constitutes an offer, a solicitation or an offer or a recommendation for the sale or purchase of any investment but merely as an invitation to do business with us. For materials or information relating to any external third parties or their products or services, it is re-transmitted by us in the ordinary course of business to you for information and reference only.

    We may provide Content from time to time on:

      • projected revenues, income, earnings per share, capital expenditures, dividends, capital structure or other financial items;
      • the plans, objectives and/or projections of the bank for future operations, including those relating to the services of the bank; or
      • future economic performance.

    Such projections are only estimates. Actual events or results may differ.

    Nothing contained on this website constitutes financial, legal, tax, professional, investment, or any other advice of any kind. No decision should be made solely on the information contained within this website. You should obtain appropriate professional advice before making an investment decision or before taking, or refraining from, any action on the basis of the Content on our website.

    We may change the Content on our website at any time although we are under no obligation to update the Content.

  • Content disclaimer

    The Content on this website is provided "as is" without any guarantees, representations, conditions or warranties of any kind, express, implied or statutory regarding non-infringement, security, accuracy, completeness, timeliness, reliability, fitness for a purpose or freedom from computer viruses in relation to the Content.

    We disclaim all liability and responsibility arising from any reliance placed on such Content by any visitor to the website or by anyone who may be informed of any of such Content.

  • Information feeds

    We may use the services of other organisations to provide information on the website. We have no control over this information and make no representations or warranties of any nature as to its accuracy, appropriateness or correctness. You agree that such information is provided "as is" and we will not be directly or indirectly liable for any damages that may arise from your reliance on it.

    All quotes, news, market information or data shown on the website by way of live information feeds are delayed by at least 15 minutes unless otherwise stated. You should always select the "refresh" or similar page update function on your Internet browser to ensure that the information you are viewing is the most current.

  • Linked third party websites

    Where our website contains links to other websites and resources/materials provided by third parties, these links are provided for your information and convenience only. We have no control over the content of those websites or resources/materials and accept no responsibility for them or for any loss or damage that may arise from your use of them.

    You acknowledge that our inclusion of links does not imply any endorsement of the material contained in such websites or any association with their operators or of any resources/materials provided by third parties. We will not be party to any transaction or contract with a third party that you may enter into via such websites. We are not liable to you in respect of any loss or damage which you may suffer by using those websites or resources/materials provided by third parties and you agree that you will not involve us in any dispute regarding the same.

  • Linked third party websites

    Nobody may establish a hyperlink, frame, metatag or similar reference, whether electronically or otherwise (collectively referred to as linking), to this website or any subsidiary pages before receiving our prior written approval, which may be withheld or granted subject to the conditions we specify from time to time.

    An application for linking must be submitted to Once received we will do our best to respond and enter into further discussions with you. If you don't get a written response from us within five business days, consider your request as having been rejected.

  • Data Privacy

    We only process and use personal data and other information we collect from you via this website or that you provide to us, in accordance with the terms of our Privacy Notice.

  • Cookies

    The Cookie Statement describes how we use cookies and similar technologies to recognise you when you visit this website. It explains what these technologies are and why we use them, as well as your rights to control our use of them.

  • Software

    You are required to use and maintain hardware and software of sufficient quality and performance capability and to use only the latest versions of Microsoft Internet Explorer and Netscape browsers. Your failure to use these browsers may result in a higher security risk and/or cause some or all of the functionality of the website not to operate properly or at all.

    Software, if any, made available for download on or via our website is governed by licence conditions that establish a legal relationship with the licensor. You indemnify us against any breach of these licence conditions. We give no warranty and make no representation, whether express or implied, as to the quality or fitness for purpose of the use of such software.


  • Transmission of information

    Information transmitted via an unsecured link over the Internet, including email, is susceptible to potential unlawful access, distortion or monitoring. The security measures we have taken to limit these risks are outlined in our Privacy Notice . As we do not have the ability to prevent unlawful activities by unscrupulous persons, you accept that we cannot be held liable for any loss, harm or damage suffered by you as a result. To limit these risks, we may request independent verification of any information transmitted by you via the website or email from time to time.

  • Intellectual Property Rights

    We are the owner or the licensee of all Intellectual Property Rights (defined below) in all content on the website, including but not limited to the text, logos, graphics, links, sounds logos and multimedia works. The content is protected by copyright laws and treaties around the world. We retain all Intellectual Property Rights in such content and your use of the website and its content grants you no right, title or interest in the content. The content may not be copied, downloaded, distributed reproduced, or transmitted or published in any way without the prior written consent of ICBC Standard Bank except you are permitted to view, print and/or download one copy, and may download extracts, of any page(s) from the website to a local hard drive (and print and make copies of such printouts), provided that:

      • the material is used for considering use of the online services and for no other commercial purposes.
      • any reproduction of our proprietary material from this website or portion of it must include our copyright notice in its entirety.
      • you must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
      • our status (and that of any identified contributors where permitted) as the authors of content on the website must always be acknowledged.
      • you must not use any part of the content on the website for commercial purposes without obtaining a licence to do so from us or our licensors.
      • if you print off, copy or download any part of the website in breach of these Terms of Use, your right to use the website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

    The logos and trademarks shown on this website are our registered and unregistered trademarks or that of third parties. Nothing on this website should be construed as granting any licence or right to use any trademark, logo or service mark and you may not use any trademark, logo or service mark without our prior written permission and/or that of third parties, as the case may be. An application to use our intellectual property must be submitted to Upon receiving your application we will do our best to respond and enter into further discussions with you. If you don't get a written response from us within five business days, consider your request as having been rejected.

    "Intellectual Property Rights" means all vested and future rights of copyright and related rights, design rights, database rights, patents, rights to inventions, trademarks and get-up (and goodwill attaching to those trademarks and that get up), domain names, applications for and the right to apply for any of the above, moral rights, goodwill (and the right to sue for passing off and unfair competition), rights in know-how, rights in confidential information, rights in computer software and semiconductor topographies, and any other intellectual or industrial property rights or equivalent forms of protection, whether or not registered or capable of registration, and all renewals and extensions of such rights, whether now known or in future subsisting in any part of the world.

    In relation to any information or materials which you submit to us using this website, you hereby grant to us a worldwide royalty-free perpetual licence of the copyright and intellectual property rights in such information or materials for any purpose it deems including, without limitation, the copying, transaction, distribution and publication thereof, unless restricted by applicable laws.

    You agree that we shall not be under any obligation of confidentiality to you regarding any such information or material submitted to it using this website unless agreed otherwise in a separate direct contract between you and us or required by applicable laws.

  • No warranties or representations

    Whilst every care has been taken in preparing these website pages, no guarantee, representation, warranty or undertaking (express or implied) is given and no responsibility or liability is accepted by us as to the accuracy or completeness of the information contained herein on this website and on any associated to this website (inclusive of all forms, attachments and other documents) . We shall not be liable for any functions contained on this website and make no warranties that this site will operate uninterrupted or error free or that any error will be corrected. We furthermore give no warranties that this website is compatible with your computer's hardware or software, or that this website or server, with attributable downloads, is free of errors, viruses, worms or Trojan horses or any other threats to the integrity of your hardware or software, and we shall not be held liable for any damage you may suffer as a result of such threats.

    You hereby accept that the use of this website is done entirely at your own risk, and by your acceptance of these conditions of use, you certify that you are satisfied that your current virus, software and computer integrity protection systems are adequate and installed on your computer.

    To the maximum extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to the website or any content on it, whether express or implied.

  • Termination, suspension and limitation

    We may modify, suspend or discontinue the website or your access to it, whether temporarily or permanently, without notice. We may also impose limits or conditions on the right to certain services, features or functions and we may restrict access to parts of or all of the services on the website.

    We may terminate these Terms of Use and/or modify, suspend or terminate your access to this website at any time, without prior notice to you.

  • Viruses

    We do not guarantee that the website will be secure or free from bugs or viruses.

    You are responsible for configuring your information technology, computer programmes and platform in order to access the website. You shall use your own virus protection software.

    You shall not misuse the website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to the website, the server on which the website is stored or any server, computer or database connected to the website. You must not attack the website via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use the website will cease immediately.

    We are not liable for any loss or damage caused by a denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the website or to your downloading of any material posted on it, or on any website linked to it. We do not, to the maximum extent permitted by law, accept any liability for any virus or similar destructive code which computer equipment and/or software used by you may suffer as a result of your accessing our website and/or any other communication via the Internet between you and ourselves.


    Although we have taken care to ensure that the content on this website is accurate and that you suffer no loss or damage as a result of your use of this website, this website and the online services are provided "as is".

    Use of this website and the online services is entirely at your own risk. You assume full responsibility for the risk or loss resulting from your use of this website and your reliance on the material and information contained on it.

    To the full extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to the website or any content on it, whether express or implied.


    Without derogating from the generality of the above, we will not be liable for any Losses arising from or related to:

      • your use of this website, howsoever arising, and including any loss, damage or expense arising from, but not limited to, any defect, error, imperfection, fault, mistake or inaccuracy with this website, its contents or associated services, or due to any unavailability of the website or any part thereof or any contents or associated services or any interruption, malfunction, downtime or other failure of the website or online services, our system, databases or any of its components, for whatever reason.
      • action taken, or not taken, in reliance on material or information contained on this website, based on the information provided on this website, including without limitation your orders, investment decisions, purchases or disposal of goods and services, including financial instrument(s) or currency, from third parties.
      • any computer viruses, Trojan horses, worms, software bombs or similar items or processes arising from your use of this website. Please note that you download any software or data from this website at your own risk.
      • loss of or damage to customer data or other data directly or indirectly caused by malfunction of our system, third party systems, power failures, unlawful access to or theft of data, computer viruses or destructive code on our system or third party systems, programming defects or negligence on our part.
      • any interruption, malfunction, downtime or other failure of goods or services provided by third parties, including, without limitation, third party systems such as the public switched telecommunication service providers, internet service providers, electricity suppliers, local authorities and certification authorities.
      • any event over which we have no direct control.
  • Indemnity

    You shall on demand indemnify us from and against all Losses incurred by us arising out of arising out of or in connection with, or which is directly or indirectly related to, your use of the website.

  • Amendments

    We reserve the right at any time, without prior warning or notice, to amend (i) any information or material contained on this website; and (ii) the Terms of Use. If you continue to use this website or any of the online services after such amendment you are regarded to have agreed to be bound by such modified information, material, and Terms of Use published here at the time of your visit to this website. You agree to view the current version of the Terms of Use each time you use the website.

    A certificate signed by the administrator responsible for maintaining this website will be prima facie proof of the date of publication and content of the current version and all previous versions of the Terms of Use.

  • Material Interest

    Members of ICBC Standard Bank Group may have or had a long or short position in the investments mentioned in these website pages or related investments, and may add to or dispose of such investments and may perform or seek to perform advisory or banking services in relation thereto.

  • Certificate

    A certificate signed by us will constitute prima facie proof of the operation or functionality of the online services or any part thereof and the contents of any information displayed on the website on a given date.

  • General

    The headings of the clauses in these terms and conditions are provided for convenience and ease of reference only and will not be used to interpret, modify or amplify the terms or conditions.

    Any right of recourse or remedies available to us under these conditions due to any action resulting from the direct or indirect use of this website, are cumulative and are not exclusive of any other rights or remedies provided by other applicable laws or contract.

    If any of these Terms of Use are determined to be illegal, invalid or otherwise unenforceable by reason of law then, to the extent and within the jurisdiction in which that term is illegal, invalid or unenforceable, it shall be severed and deleted from these terms and the remaining terms shall survive, remain in full force and effect and continue to be binding and enforceable.

    Failure or delay by us in enforcing or partially enforcing any provision of these Terms of Use will not be construed as a waiver of any of our rights under these Terms of Use nor operate so as to bar the exercise or enforcement of that or any other right on any later occasion.

    Any waiver by us of any breach or default by you of any provision of these Terms of Use will not be deemed a waiver of any subsequent breach or default and will in no way affect the other terms of these Terms of Use.

    No term of these Terms of Use will be enforceable by virtue of the Contracts (Rights of Third Parties) Act 1999 by any person other than us or you.

    We may assign or transfer all or any of its rights and obligations under these Terms of Use to any of our group companies or to any other third party. In the event of assignment or transfer, notification will either be given to you by email or posted on the website. You are not permitted to assign or transfer any of your rights and obligations under these Terms of Use.