Electronic communications terms

The following terms and conditions apply where we communicate by any form of electronic message, including email.  By receiving or responding to this message, you accept these terms and conditions. If you object to any of these terms and conditions, you should not email us, and speak to your usual contact or the relevant office via the telephone number listed on our website.

The Kleinwort Hambros branch sending each message is noted on the message's footer.  References below to "we", "us" or "our" refer to that Kleinwort Hambros branch.  

We may amend these terms and conditions from time to time. Each time you receive a communication from us, please check this page for the version of these terms and conditions that applies at that time.

Our messages are intended solely for the addressee and may contain confidential information.  If you have received a message from us in error, please send it back to us informing us of such error and immediately and permanently delete the message. The information in our messages may not be used, copied or disclosed without our express prior written consent, unless otherwise required by law.

Any electronic communication sent to or from our systems is subject to monitoring, review, retention and external disclosure to comply with relevant laws, regulations, internal policies and regulatory requests, or for risk management or operational purposes, and may be stored or otherwise processed in countries outside of your location. For information about how we process your data and monitor communications, please see our Privacy Notices

Any information, products or services referred to in any message from us are not directed at, or offered to, anyone in a country or state where (i) advertising, offering or selling by us is not allowed by law or regulation, or (ii) we require a registration or licence which we do not currently have (our regulators are noted on this page). Distributing information in certain countries may be restricted by local law. As a result, you must be aware of, and keep to, any such restrictions.

Investments may be subject to market fluctuations and the price and value of investments and the income derived from them can go down as well as up.  Your capital may be at risk and you may not get back the amount you invest. Changes in inflation, interest rates and the rate of exchange may have an adverse effect on the value, price and income of investments. Past performance is not an indicator of future performance.

We are the owner or licensee of all intellectual property rights in messages we send to you, and we (and any person we have attributed authorship to) have the right to be identified as the authors of such messages.  All such rights are reserved.

Unless expressly stated otherwise, any message is for information purposes only, is provided on an “as is” basis; is current at the date of issue (or as marked) only; may contain information from third parties which we and the third party cannot be liable to you for; and save as set out below is supplied without any warranties, guarantees or representations as to accuracy or completeness. Except in the event of our negligence, wilful default or fraud, or where imposed by law or regulation (including under the Financial Services and Markets Act 2000 and FCA Rules), we will not be liable to you for any loss arising from a message sent by us to you. Furthermore, except where expressly indicated or within an agreed mandate, nothing in any message from us constitutes legal, tax, accounting, investment or other advice. Accordingly, you must not rely upon it, and should obtain specific professional advice before acting on any message.

Although we have taken steps to try to ensure that electronic messages, we send are secure and free from viruses, electronic messages are not a secure method of communication, can be intercepted and cannot be guaranteed to be error or virus free.

If you are a consumer and are a client of Kleinwort Hambros, these terms and conditions are subject to the same governing law and jurisdiction as is stated in the terms of business to which we and you have agreed.

If you are a consumer and are not a client of Kleinwort Hambros, these terms and conditions, their subject matter and their formation are governed by English law.  You and we both agree that the courts of England and Wales will have exclusive jurisdiction (except that if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland).

If you are a business, these terms of use, their subject matter and their formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales. English is the official language for all communications between us, although we may also communicate with you in other languages. Unless expressly indicated otherwise, all electronic messages are subject to contract and cannot be used for service of legal proceedings.

Country-specific regulatory status

SG Kleinwort Hambros Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The company is incorporated in England & Wales under number 964058 with registered office at One Bank Street, Canary Wharf, London E14 4SG.

SG Kleinwort Hambros Bank Limited, Jersey Branch is regulated by the Jersey Financial Services Commission. SG Kleinwort Hambros Bank Limited is also authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority in the UK. The bank's principal address in Jersey is PO Box 78, SG Hambros House, 18 Esplanade, St Helier, Jersey JE4 8PR. The company is incorporated in England & Wales under number 964058 with registered office at One Bank Street, Canary Wharf, London E14 4SG. Services provided by SG Kleinwort Hambros Bank Limited, Jersey Branch will be subject to the regulatory regime applicable in Jersey, which differs in some or all respects from that of the UK. For UK-resident clients certain FCA protections may apply in addition to those available under the Jersey regime in certain specific circumstances. 

SG Kleinwort Hambros Bank Limited, Guernsey Branch is licensed and regulated by the Guernsey Financial Services Commission to provide deposit taking services, investment business services, as well as lending, credit & finance services, and is also registered as a money services provider in Guernsey. SG Kleinwort Hambros Bank Limited is also authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority in the UK. The bank's principal address in Guernsey is PO Box 6, Hambro House, St Julian’s Avenue, St Peter Port, Guernsey, GY1 3AE. The company is incorporated in England & Wales under number 964058 with registered office at One Bank Street, Canary Wharf, London E14 4SG. Services provided by SG Kleinwort Hambros Bank Limited, Guernsey Branch will be subject to the regulatory regime applicable in Guernsey, which differs in some or all respects from that of the UK. For UK-resident clients certain FCA protections may apply in addition to those available under the Guernsey regime in certain specific circumstances.

SG Kleinwort Hambros Bank Limited, Gibraltar Branch is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority and is authorised and regulated by the Gibraltar Financial Services Commission in respect of banking, investment and insurance mediation business. The company is incorporated in England & Wales under number 964058 with registered office at One Bank Street, Canary Wharf, London E14 4SG and is registered in Gibraltar under the Gibraltar Companies Act with its principal place of business in Gibraltar at Unit 5.02, Madison, Midtown, Queensway, Gibraltar GX11 1AA. The liability of the members of SG Kleinwort Hambros Bank Limited is limited.

Services provided by SG Kleinwort Hambros Bank Limited, Gibraltar Branch will be subject to the regulatory regime applicable in Gibraltar, which differs in some or all respects from that of the UK.  For UK-resident clients certain FCA protections may apply in addition to those available under the Gibraltar regime in certain specific circumstances.

SG Kleinwort Hambros Trust Company (UK) Limited is an Appointed Representative of SG Kleinwort Hambros Bank Limited. SG Kleinwort Hambros Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. SG Kleinwort Hambros Trust Company (UK) Limited is incorporated in England and Wales under number 514879 and its registered address is One Bank Street, Canary Wharf, London E14 4SG. 

SG Kleinwort Hambros Trust Company (CI) Limited is regulated by the Jersey Financial Services Commission ("JFSC") and by the Guernsey Financial Services Commission ("GFSC"). The company is incorporated in Jersey under number 4345 and its registered address is SG Hambros House, 18 Esplanade, St Helier, Jersey JE4 8RT. Its address in Guernsey is PO Box 86, Hambro House, St Julian’s Avenue, St Peter Port, Guernsey, GY1 3ED. This document has not been authorised or reviewed by the JFSC or GFSC.

Kleinwort Benson (Guernsey) Limited is regulated by the Guernsey Financial Services Commission for the conduct of investment business. The company is incorporated in Guernsey under number 670 and its registered address is PO Box 6, Hambro House, St Julian’s Avenue, St Peter Port, Guernsey, GY1 3AE.

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