Royal Bank of Canada (Channel Islands) Limited
The Site has been issued by Royal Bank of Canada (Channel Islands) Limited from its office in Jersey, Channel Islands on behalf of certain Royal Bank of Canada entities that comprise RBC's Wealth Management network. Royal Bank of Canada (Channel Islands) Limited is a separate legal entity to other companies that comprise the RBC Wealth Management network and information regarding products and services not provided by Royal Bank of Canada (Channel Islands) Limited, has been published with the prior authorisation and permission of the service provider.
Royal Bank of Canada (Channel Islands) Limited (“the Bank”) is regulated by the Jersey Financial Services Commission in the conduct of deposit taking, fund services and investment business in Jersey and is also regulated by the Guernsey Financial Services Commission in the conduct of deposit taking and investment business and to act as a custodian/trustee of collective investment schemes in Guernsey. The Bank’s general terms and conditions are updated from time to time.
Registered office: Gaspé House, 66-72 Esplanade, St. Helier, Jersey JE2 3QT, Channel Islands. Deposits made with the offices of Royal Bank of Canada (Channel Islands) Limited in Jersey and Guernsey are not covered by the UK Financial Services Compensation Scheme. Royal Bank of Canada (Channel Islands) Limited is a participant in the Jersey and Guernsey Banking Deposit Compensation Schemes. Each Scheme offers protection for ‘eligible deposits’ or ‘qualifying deposits’ up to £50,000 per individual claimant, subject to certain limitations. The maximum total amount of compensation is capped at £100,000,000 in any 5 year period. Full details are available on the relevant Scheme’s website www.gov.je/dcs
Investment services offered by the Bank are not covered by an investor compensation scheme as there is currently no such scheme operating in Jersey, however ‘eligible deposits’ or ‘qualifying deposits’ held pursuant to investment services may be protected under the Banking Deposit Compensation Schemes described above – for more information see the Bank’s general terms and conditions. Some of the products that the Bank might recommend to you could be registered overseas and may be covered by a local compensation scheme. Your investment counsellor will provide you with the details of any overseas compensation schemes (where applicable) at the time of making an investment recommendation.
Copies of the latest audited accounts are available upon request from either the registered office or the Guernsey Branch: Dorey Court, Admiral Park, St. Peter Port, Guernsey GY1 3BQ, Channel Islands.
JERSEY OFFICE: Gaspé House, 66-72 Esplanade, St Helier, Jersey JE2 3QT, Tel: +44 (0) 1534 283000 Fax:: +44 (0) 1534 283801
GUERNSEY BRANCH: PO Box 48, Dorey Court, Admiral Park, St Peter Port, Guernsey, GY1 3BQ, Channel Islands, Tel: +44 (0) 1481 744000 Fax: +44 (0) 1481 744001
Note to UK investors and risk warning
Royal Bank of Canada (Channel Islands) Limited and other entities not incorporated in the United Kingdom are not authorised under the UK Financial Services and Markets Act 2000 (the "Act"). Potential investors must note that in some or all respects the regulatory regime applying will be different from that of the United Kingdom.
The value of investments can fall as well as rise and investors may not get back the amount originally invested. The information published on the Site is general information only and is not intended to be specific investment or taxation advice. The information on the Site should not be used as the basis for investment decisions and readers of the Site must consult with appropriately qualified professional advisors before making investment or other financial decisions. You should carefully read the regulatory disclosures contained on this website and in any literature forwarded to you.
All products and services in the pages of the Site are subject to the terms and conditions of the applicable agreements governing their use, which may change from time to time.
The Disclaimer is to be read by you together with any terms, conditions or disclaimers provided in the pages of the Site and in the Product Specific Legal disclaimers. In the event of any conflict, the terms provided in the pages of the Site and in the Product Specific Legal disclaimers will govern. The Product Specific Legal disclaimers relate specifically to a particular product or service and are displayed on each part of the Site that contains product information. The Product Specific Legal disclaimers contain important information and warnings regarding risks associated with the product or service.
The Product Specific Legal disclaimers should be accessed by you before reading the information for each product displayed on the Site and it is important that you read all of the information.
The information, material and content provided in the pages of the Site (the "Information") may be changed at any time without notice. Changes may be made to the terms provided in the pages of the Site and in the Product Specific Legal disclaimers at any time without notice by updating this posting. You agree to review the terms provided in the pages of the Site and in the Product Specific Legal disclaimers regularly and your continued access or use of the Site will mean that you agree to any changes.
Information provided on the Site, including rates, is believed to be reliable when posted, but there is no guarantee that it is accurate or complete or current at all times.
Royal Bank of Canada (Channels Islands) Limited may monitor and gather information regarding visitors to the Site for the purposes of marketing, security, statistical analysis and systems development.
It is important to note that the products, services and Information may not be available to residents of certain jurisdictions. Accordingly, the financial services detailed in the Site do not constitute an offer to transact business in any jurisdiction where such an offer would be considered unlawful. The Information does not constitute an offer or solicitation to buy or sell any currency, investment fund or other product, service or information to anyone in any jurisdiction in which an offer or solicitation is not authorised or cannot legally be made or to any person to whom it is unlawful to make an offer or solicitation. For information specific to your jurisdiction, please contact your financial advisor.
The terms and conditions applicable to any product, service or information will be those determined at the time of provision of the product, service or information. Please be aware of the laws of your country or that otherwise apply to you in relation to any of the matters described in these pages. If you choose to access the Site, you do so on your own initiative and are responsible for compliance with applicable local, national or international laws.
Royal Bank of Canada (Channel Islands) Limited ("the Bank") will treat all information regarding you and your account (whether acquired before or after the opening of an account was contemplated and whether originating from you or a third party) as confidential. The Bank will not disclose any information that it holds about you or your account except in the following circumstances:
- where the Bank is compelled to do so under the laws of Jersey;
- where you have provided your prior written authorisation to do so*;
- where it is in the Bank's interest to do so; or
- where it is in the public interest to do so.
- where the Bank needs to disclose information to other financial institutions for the purposes of fraud prevention.
For the purposes of fraud or crime prevention or detection, the Bank may also use RBC’s centralised systems and/or systems resources and/or specialist information technology employees in other countries such as Canada and the United Kingdom, whether or not those countries have equivalent data protection legislation to the jurisdiction from which the Account is provided and which may be outside the European Economic Area. In such circumstances, the Bank shall use its reasonable endeavours to ensure that Client information, including any Client personal data is protected to the standards which the Bank applies in the jurisdiction of the Account.
The Bank may be required to disclose information about you and your account to third parties to facilitate the provision of services to you. In such circumstances you will be notified of this fact in advance of the service being provided to you and your confirmation that this information can be shared with the relevant third parties (and your prior written authorisation to do so) will be requested in the relevant application form.
Further information about how the Bank will deal with information about you or your account can be found under "Privacy", which appears at the foot of each page of this Website.
* If you request information regarding a product or service that is not provided by the Bank, you hereby authorise the Bank to provide your name and address to the RBC Wealth Management entity that provides that product or service, so that the information can be provided to you. In such instances, your information will be handled by the Wealth Management service provider in accordance with local laws and regulations. For example, information held by Royal Bank of Canada (Suisse) is handled and maintained in accordance with Swiss Law.
You may not use or export or re-export the Information or any copy or adaptation in violation of any applicable laws or regulations, including export laws and regulations in force from time to time.
RBC and Royal Bank of Canada (Channel Islands) Limited, and any of their affiliates, subsidiaries, officers, directors, employees or agents (collectively, the "Bank") provide the Site and the Information on an "as is" basis and do not make any express or implied warranties, representations, endorsements or conditions with respect to the Site or the Information, including without limitation, warranties as to merchantability, operation, non-infringement, usefulness, completeness, accuracy, currency, reliability and fitness for a particular purpose. Further, the Bank does not represent or warrant that the Site will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and backup of data and/or equipment and to take reasonable and appropriate precautions to scan for computer viruses or other destructive properties.
Trade-marks and copyrights
Certain names, words, titles, phrases, logos, icons, graphics or designs or other content in the pages of the Site are trade names or trade-marks owned by Royal Bank of Canada or its subsidiaries, or trade names or trade-marks licensed to them. The trademarks are distinguished from one another and accompanied, at first-time use, with the appropriate trade-mark symbol: ®/T. These symbols are keyed to their respective legend which describes the owner or licensee of the trade-mark: ® Registered trade-mark of Royal Bank of Canada used, under license by Royal Bank of Canada (Channel Islands) Limited./ T Trade-mark of Royal Bank of Canada, used under license by Royal Bank of Canada (Channel Islands) Limited. RBC is the parent company of Royal Bank of Canada (Channel Islands) Limited. The display of trade-marks and trade names on pages of the Site does not imply that a license of any kind has been granted to anyone else. The Information is for your personal use only. Any unauthorised downloading, re-transmission, or other copying or modification of trade-marks and/or the contents of the Site may be a violation of any federal or other law that may apply to trade-marks and/or copyrights and could subject the copier to legal action. The Information is protected under the copyright laws of Canada and other countries. Unless otherwise specified, no one has permission to copy, redistribute, reproduce, republish, store in any medium, re-transmit, modify or make public or commercial use of, in any form, the Information.
Any unprotected email communication over the Internet is, as with communication via any other medium (e.g. cellular phones, post office mail), not confidential, subject to possible interception or loss, and is also subject to possible alteration. The Bank is not responsible for and will not be liable to you or anyone else for any damages in connection with an email sent by you to the Bank or an email sent by the Bank to you at your request or on an ad-hoc basis.
No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any Information.
The Bank is not responsible for and will not be liable to you or anyone else for any damages whatsoever (including direct, indirect, incidental, special, consequential, exemplary or punitive damages) arising out of or in connection with your use of or inability to use the Site or the Information, or any action or decision made by you in reliance on the Site or the Information, or any unauthorised use or reproduction of the Site or the Information, even if the Bank has been advised of the possibility of these damages.
Links from or to Websites outside the Site are meant for convenience only. The Bank does not review, endorse, approve or control, and is not responsible for any sites linked from or to the Site, the content of those sites, the third parties named therein, or their products and services. Linking to any other site is at your sole risk and the Bank will not be responsible or liable for any damages in connection with linking. Links to downloadable material situate on or through other sites are for convenience only and the Bank is not responsible or liable for any difficulties or consequences associated with downloading such material Use of any downloaded material is governed by the terms of the license agreement, if any, which accompanies or is provided with the software.
The Site is administered on behalf of the Royal Bank of Canada entities that comprise RBC’s Wealth Management network by Royal Bank of Canada (Channel Islands) Limited from its office in Jersey, Channel Islands. The Site will be governed by and construed in accordance with the laws of Jersey, without giving effect to any principles of conflicts of laws. All disputes, controversies or claims arising out of or in connection with the Site shall be submitted to and be subject to the exclusive jurisdiction of the Courts of Jersey. Through accessing the site you agree to submit and attorn to the exclusive jurisdiction of the Courts of Jersey to finally adjudicate or determine any suit, action or proceeding arising out of or in connection with the Site.
The following terms apply if you access any of the social media pages, accounts, sites, channels and/or any application(s) within the said pages, accounts, sites and channels which have been established and administered by the Bank or employees of the Bank who are using such pages in a representative capacity (each individually referred to as a "Social Media Page", collectively referred to as the "Social Media Pages"). The term "Social Media Page Website" refers to the website which hosts the Social Media Pages you are accessing.
The Social Media Pages are designed for you and we encourage you to review, leave comments, discuss the Bank’s products and services, watch and share our videos and to engage us. Some of the comments and materials posted to the Social Media Pages and the Social Media Page Websites may not represent the opinions of the Bank. You agree that you will not post or submit any information, post, link or material of any kind on the Social Media Pages which fall into any of the categories described below:
- Anything defamatory, abusive, infringing, obscene, misleading, unlawful or which otherwise violates the legal rights (including the privacy) of others;
- Anything that contains any unsolicited advertising, promotional materials, or other forms of solicitation to other users, individuals or entities;
- Anything that falsifies the origin or source of any information; or
- Any information, posts, links or material of any kind that we determine to fall into any of the categories described above will be removed.
The Bank will not be responsible or liable for the entities which own or operate the Social Media Page Websites or the Social Media Page Websites in any way, including being liable for any losses, or direct or indirect damages arising from any action or decision made by you or anyone else in reliance on the Social Media Page Websites. If you have a question or concern about anything posted on the Social Media Pages, feel free to contact us at firstname.lastname@example.org.