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.
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.
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.
Acceptance of Terms
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.
Our online products and services (online services) are subject to registration procedures and approvals, which we may accept or reject at our sole discretion.
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.
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.
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 LondonMarketing@icbcstandard.com. 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 & cookies
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.
NO WARRANTY, WHETHER EXPRESS OR IMPLIED, IS GIVEN THAT ANY FILES, DOWNLOADS OR APPLICATIONS AVAILABLE VIA THIS WEBSITE ARE FREE OF VIRUSES, TROJANS, BOMBS, TIME-LOCKS OR ANY OTHER DATA OR CODE WHICH HAS THE ABILITY TO CORRUPT OR AFFECT THE OPERATION OF YOUR COMPUTER, DATABASE, NETWORK OR OTHER INFORMATION SYSTEM.
Transmission of information
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.
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 LondonMarketing@icbcstandard.com. 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 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.
DISCLAIMER AND LIMITATION OF LIABILITY
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.
SAVE FOR ANY LIABILITIES THAT WE CANNOT RESTRICT BY LAW, WE AND OUR SHAREHOLDERS, AGENTS, CONSULTANTS OR EMPLOYEES ARE NOT LIABLE FOR AND EXCLUDE ALL LIABLIITY FOR ANY AND ALL LOSSES (INCLUDING, WITHOUT LIMITATION, ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, LOSS OF PROFIT, PUNITIVE DAMAGES OR EXPENSES, WHETHER ARISING OUT OF CONTRACT, STATUTE, DELICT, LAW OR OTHERWISE AND REGARDLESS OF WHETHER WE WERE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH LOSSES) WHATSOEVER RELATING TO OR ARISING OUT OF YOUR USE OF THIS WEBSITE OR THE ONLINE SERVICES OR THE USE OF LINKED PAGES OR THE INFORMATION CONTAINED ON THIS WEBSITE OR YOUR INABILITY TO USE OR ACCESS THIS WEBSITE OR THE ONLINE SERVICES OR SYSTEM FAILURE OR COMPUTER VIRUS. "LOSSES" MEANS CLAIMS, DEMANDS, ACTIONS, AWARDS, JUDGMENTS, SETTLEMENTS, COSTS, EXPENSES, LIABILITIES, DAMAGES AND LOSSES (INCLUDING ALL INTEREST, FINES, PENALTIES, MANAGEMENT TIME AND LEGAL AND OTHER PROFESSIONAL COSTS AND EXPENSES) ARISING DIRECTLY OR INDIRECTLY (INCLUDING SPECIAL, INCIDENTAL OR CONSEQUENTIAL LOSS OR DAMAGE).
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.
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.
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.
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.
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.
At ICBC Standard Bank your right to privacy and security is very important to us. We treat personal information obtained through the use of this website as private and confidential and are committed to keeping your personal information and other data confidential and secure and providing you with secure access to our online services.
All references 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).
Whenever we commission other organisations to provide support services to us, we will bind them to our privacy policies as far as they may be required to have access to our customers' personal information to perform such services.
Our website may contain links to or from other sites. While we try to link only to sites that share our high standards and respect for privacy, we are not responsible for the content or the security or privacy practices employed by other sites. We recommend that you always read the privacy and security statements and terms and conditions of these third-party websites and decide whether they satisfactorily protect your rights.
What information do we collect from you?
We need to collect personal or other information if we are to meet our obligations to you, to follow your instructions, to inform you of new services and to ensure that our business is geared towards your needs. Any personal information collected by us and our authorised agents via this website is collected lawfully and fairly and not in any unreasonable intrusive manner. You acknowledge and agree that all information submitted via this website is done freely and at your own volition and that we may collect this information from you in connection with or as a consequence of your use of this website.
Information about you that we may collect and process includes:
- information that you provide us by filling in online forms, making online enquiries or where we otherwise ask you for personal information, for example, when you apply for a particular product or service or if you register to use our online services.
- information provided by you when you transact with us.
- information we may also ask you for when you report a problem with our website.
- if you contact us, we may keep a record of that correspondence.
- details of your visits to and use of our website including, but not limited to, traffic data, location data, weblogs and other communication data (whether this is required for our own billing purposes or otherwise) and the resources that you access.
We also gather and analyse information on our visitors' routine use of this website. We use this information to monitor which areas of the website are most frequently visited, to assist us to continue developing a value-added service. This information is pooled so individual personal information, behaviour or patterns cannot be identified.
We shall be the sole owner of the information collected on this website. Furthermore, we shall not sell, share or rent this information to others in any way other than as disclosed in these conditions of use.
Cookies are not computer programs and do not run on a computer like programs do. The cookies located on our website cannot gather information or function on their own. They cannot collect any personal information about you or your machine and cannot gather data or information about what you do on the Internet. Cookies merely enable us to provide a more valuable online experience to you. While you can set up your Internet browser to disable cookie technology, we do not recommend that you do this since some parts of this website and our online services may not function properly, or at all.
You consent to our use of Your Information and Cookies
By using this website and/or you providing Your Information you consent to:
If you do not consent then please do not proceed further and do not provide Your Information.
We will always treat Your Information as confidential. We will use good practices to keep it secure and will otherwise abide by the relevant data protection and privacy laws.
We may use Your Information to send you information on new services or products that may be of interest to you and from time to time will mail, email or SMS information to you about us, our products and services, or our partners and their products or services. If you do not wish to continue receiving this information you may contact us and we will remove you from our mailing list.
What will we use Your Information for?
We will use Your Information for the purposes of providing and operating the product or service you request or responding to your electronic communication and for other related purposes that may include:
- to carry out our obligations arising from any online services agreements entered into between us;
- to help us identify you and any accounts you hold with us;
- updating and enhancing our records about you and understanding your financial needs;
- administration purposes;
- statistical analysis;
- customer profiling and analysing preferences;
- crime or fraud detection, prevention and prosecution;
- complying with laws or regulations;
- planning, conducting and monitoring ICBC Standard Bank's business including research and statistical analysis with the aim of improving our Website, products and/or services; and
- handling queries and complaints. ("Purposes")
Who may we disclose Your Information to?
We may need to disclose Your Information to any ICBC Standard Bank Group member and to our agents, advisors and third party service providers ("Other Parties"). When this happens we will require the Other Parties to handle Your Information using the same level of care that we apply. We will also require them to only use Your Information according to our instructions and directions. If the Other Parties are overseas Your Information may be sent to another country including countries with weaker privacy and data protection laws than in your country of residence. We will not otherwise disclose Your Information to third parties unless we have your permission or we are under a legal or similar obligation to do so.
When will we disclose Your Information without consent?
We will not otherwise disclose Your Information to third parties unless we have your permission or we are under a legal or similar obligation to do so, eg if:
- we are compelled to do so by law (including to regulators, supervisors, governments or quasi-governmental authorities) or under the terms of a court order;
- it is in the public interest to do so; and
- it is necessary to protect our rights.
How long will we keep Your Information for?
We will keep Your Information for as long as the Purpose for which we collected it continues. It is then destroyed unless we are required to retain it to satisfy a legal, regulatory or accounting requirement or to protect our interests.
Our security practices
We are committed to providing secure online services. As such, all interactions with our transactional sites are protected through encryption that complies with international standards. Encryption is used to protect the transmission of your personal information when completing online application forms. Our Internet servers are protected by firewalls and intrusion detection systems. Access to information on these servers is restricted to authorized personnel only. We have also employed the services of independent security experts to test and advise us on the security of our systems.
Your Information that we collect via the website is stored in a secure environment. However, information passing over the Internet may be transmitted internationally (even when sender and recipient are located in the same country) via countries with weaker privacy and data protection laws than in your country of residence. As a result, we do not accept responsibility or liability for the confidentiality, security or integrity of Your Information in connection with its transmission over the Internet.
Accessing Your Information and contacting us
You may request a copy of any of Your Information held by us about them upon written application. Please note we reserve the right to charge a small administrative fee to meet our costs in providing you with Your Information which you have requested. If you believe that any of Your Information we hold about you is incorrect or incomplete, please contact us immediately. Any information found to be incorrect will be corrected.
COPYRIGHT © ICBC STANDARD BANK PLC 2015. ALL RIGHTS RESERVED.
Appendix A – Cookies Statement
Our website uses ‘cookies’, which are small data files that are used as unique identifiers. They are sent from the website’s servers to your computer and stored on your browser and/or device, and may then be sent back to our website’s servers with updated data as you browse our website.
The following cookies are used on our website.
A small number of cookies are placed on your device to make our website work properly. These are 'essential cookies'. You can delete these, but this means some areas of the websites will not work properly.
These cookies make our website simpler to use, by personalising content, recording your preferences and storing login details
Analytic & performance cookies
These cookies collect information about how our visitors use this website. This data is collected anonymously, and is used to help improve this website’s functionality. We do this to make sure it meets user needs and to understand how we can improve our website.
Analytic cookies store information about the pages you visit, how long you are on the website, how you got there, what you click on and whether you have visited the website before.
These cookies record your visit to our website, your response to our online advertisements and campaigns, track the pages you have visited and the hyperlinks you click on.
If you wish to control what cookies are set on your device through our websites, you can find out how to do this in "Managing cookies" below.
For more information about cookies, including more detailed guidance on how you can disable them, visit the Information Commissioner's Office's website at https://ico.org.uk/
This Cookies Statement was last updated on 28 January 2015
If you have any questions or do not understand anything in these conditions please send an email to LondonMarketing@icbcstandard.com and we will respond to you as soon as possible.
Thank you for visiting our website.
COPYRIGHT © ICBC STANDARD BANK PLC 2015. ALL RIGHTS RESERVED.