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Website Terms & Conditions

(Last updated 22/08/2016)

Before using this site, you should read the following important information relating to it. This information governs your use of this site and, by using it, you agree to be bound by our terms. If you do not agree please exit this website immediately. The information on this website, including these terms, are subject to change without notice by KB.

All references on this website are to the relevant Kleinwort Benson group companies as set out under the Company and Regulatory information.

Certain aspects of Kleinwort Benson’s service may be performed through, or with the support of, different members of the Societe Generale (‘SG’) Group, of which Kleinwort Benson is a member.

We do our best to ensure that the web site operates properly at all times, but we make no warranties as to the availability or accessibility of the web site, and (save as otherwise set out in these terms and conditions) we will not be liable for any damages, loss, costs or expenses incurred by you as a result of any lack of availability or accessibility of the web site.

Where you deal as a consumer, nothing in the above exclusions affects your statutory rights.

Intellectual Property Rights – Third Party Infringement

All Intellectual Property Rights and goodwill in or relating to the contents of the web site belong to either Kleinwort Benson, their Affiliates or suppliers.

Nothing contained in these conditions or the web site should be construed as granting by implication, estoppel, or otherwise, any license or right to use any of the trademarks without our permission.

You are not permitted to reproduce part or all of the contents of the web site in any form unless it is for personal, non-commercial use.

You are not permitted to copy or otherwise incorporate into or store in any other web site, electronic retrieval system, publication or other work any of the content of this web site in any form (whether hard copy, electronic or other). You may not frame or link to the web site or any part of it without our express authority.

Liability/Site Disclaimer

The information on this website is provided “as is” and has been compiled in good faith to provide information about Kleinwort Benson and its products and services. It is believed to be correct, but we cannot guarantee the accuracy, timeliness, or completeness of any such information. Kleinwort Benson shall not be liable for any loss or damage whatsoever and howsoever arising as a result of your use of or reliance on the information contained on this website.

Nothing contained on this website constitutes investment, legal, tax or other advice and is not to be relied on in making an investment or other decision. You should obtain relevant and specific professional advice before making any investment decision.

Kleinwort Benson reserve the right to modify, suspend, or discontinue this website or any part of it, with or without notice, at any time, and shall not be liable to you or to any third party for any such modification, suspension or discontinuance of this website.

Kleinwort Benson shall not be liable for any losses or damages of any kind arising out of your use or inability to use this website, or in connection with any error, omission, or defect contained on this website. Furthermore, Kleinwort Benson accepts no liability in respect of losses or damages arising out of changes made to the content of this website by unauthorised third parties.

Access to and use of this website is at your sole risk and Kleinwort Benson does not warrant that the use of this website or any material downloaded from it will not cause damage to any property, including but not limited to loss of data or computer virus infection.

There is no exclusion of duties or liabilities under the Financial Services and Markets Act 2000, or any conduct of business rules which Kleinwort Benson are bound to comply with. There is no attempt to exclude liability for death, personal injury, or fraudulent misrepresentation.

Nothing on this website should be construed as an offer, or recommendation, to buy or sell securities or any other investment or banking product, or to provide any investment, tax or legal advice or service.

Third Party Links

This website may contain hypertext links to other websites which are hosted and maintained by third parties.

When you activate any of these links you leave the KB website and we have no control over the content or security of any such site. You use such links entirely at your own risk and KB accept no responsibility or liability for any content, use, or availability of such websites or for any loss or damage, however arising, as a result of their use.

Privacy & Cookies

Please see Kleinwort Benson's Privacy and Cookie policy

Company and Regulatory Information

Please see Kleinwort Benson's Company and Regulatory Information

Risk Warnings

Past performance should not be taken as 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.

Any tax reliefs referred to on this website are those available under current legislation, which may change, and their availability and value will depend on your individual circumstances.

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 deal in them or to obtain reliable information about their value or the extent of the risks to which they are exposed.

Certain investments carry a higher degree of risk than others and are, therefore, unsuitable for some investors. Before contemplating any transaction, you should consider whether you require financial, tax or legal advice.

Whilst a portfolio of investments specially selected to meet your requirements can be expected to perform in a broadly similar way to the market as a whole, some divergence will be experienced, especially over the short to medium term.

Before contemplating any transaction which Kleinwort Benson offers under their suite of products and/or services, you should read and understand the prospectus relating to the relevant product and/or service and consult with your financial adviser.

With regard to currency accounts, there is an exchange rate risk if the currency is not the depositor’s reference currency.

Governing Law                                        

This website shall be governed by and construed in accordance with English law and is subject to the exclusive jurisdiction of the English courts. The information, products and/or services referred to on this website are not directed at any person or entity in any jurisdiction or country outside those where services may lawfully be offered by Kleinwort Benson Group companies and purchased by a visitor to this website.

Disclaimer

Your eligible deposits with Kleinwort Benson Bank Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. Any deposits you hold above the limit are unlikely to be covered.

Please click here for further information or visit www.fscs.org.uk

Kleinwort Benson places all client deposits with a spread of approved counterparties including other parts of the Societe Generale Group (the “Group”). As such their financial standing is linked to that of the Group. Depositors should form their own view of the financial standing of the Group based upon publicly available information.

Kleinwort Benson is a participant in the Guernsey Banking Deposit Compensation Scheme (the ‘Scheme’). The Scheme offers protection for ‘qualifying deposits’ up to £50,000.00 subject to certain limitations. The maximum total amount of compensation is capped at £100,000,000.00 in any 5 year period. Full details are available on the Scheme’s website www.dcs.gg or on request. Please note deposits with Kleinwort Benson outside the UK are not covered by the UK FSCS.