{"id":47,"date":"2024-01-31T19:00:06","date_gmt":"2024-02-01T00:00:06","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/?page_id=47"},"modified":"2026-04-08T17:23:42","modified_gmt":"2026-04-08T16:23:42","slug":"terms-and-conditions","status":"publish","type":"page","link":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/terms-and-conditions","title":{"rendered":"Terms and conditions"},"content":{"rendered":"\n<div class=\"wp-block-rbcwm-hero-block rbc-hero-wm  rbc-hero-overlap rbc-hero-overlap-mobile rbc-hero-4c27dfzbb hide-mobile-energy-lines\"><style>\n\t\t.rbc-hero-4c27dfzbb.is-style-rbc-hero-gradient::before {\n\t\t\tbackground: linear-gradient(90deg, #023169 20%, rgba(94, 120, 131, 0) 60%);\n\t\t}\n\n\t\t.rbc-hero-4c27dfzbb.is-style-rbc-hero-gradient.rbc-hero-has-image-bleed::before {\n\t\t\tbackground: linear-gradient(90deg, #023169 20%, rgba(94, 120, 131, 0) 60%);\n\t\t}\n\n\t\t.rbc-hero-4c27dfzbb.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom::before {\n\t\t\tbackground: linear-gradient(180deg, #023169 20%, rgba(94, 120, 131, 0) 60%);\n\t\t}\n\n\t\t.rbc-hero-4c27dfzbb .rbc-hero-energy-lines.rbc-hero-energy-lines-left {\n\t\t\ttransform: scaleX(-1);\n\t\t}\n\n\t\t@media (max-width: 991px) {\n\t\t\t.rbc-hero-4c27dfzbb.is-style-rbc-hero-gradient::before,\n\t\t\t.rbc-hero-4c27dfzbb.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom::before,\n\t\t\t.rbc-hero-4c27dfzbb.is-style-rbc-hero-gradient.rbc-hero-has-image-bleed::before {\n\t\t\t\tbackground: none;\n\t\t\t}\n\n\t\t\t.rbc-hero-4c27dfzbb.rbc-hero-has-image-full.hide-mobile-energy-lines .rbc-hero-energy-lines {\n\t\t\t\tdisplay: none;\n\t\t\t}\n\n\t\t\t.wp-block-rbcwm-hero-block.rbc-hero-4c27dfzbb.is-style-rbc-hero-gradient .rbc-hero-img-wrap::after {\n\t\t\t\tbackground: linear-gradient( 0deg, #023169 0%, rgba(94, 120, 131, 0) 25% );\n\t\t\t}\n\t\t\t\n\t\t\t.wp-block-rbcwm-hero-block.rbc-hero-4c27dfzbb.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom .rbc-hero-img-wrap::before,\n            .wp-block-rbcwm-hero-block.rbc-hero-4c27dfzbb.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom .container .rbc-hero-img-wrap::before {\n\t\t\t\tbackground: linear-gradient( 180deg, #023169 0%, rgba( 94, 120, 131, 0 ) 25% );\n\t\t\t}\n\t\t\t\n\t\t\t.wp-block-rbcwm-hero-block.rbc-hero-4c27dfzbb.is-style-rbc-hero-gradient .rbc-hero-card {\n\t\t\t\tbackground: #023169;\n\t\t\t}\n\t\t}\n\t<\/style><div class=\"container\"><div class=\"row no-gutters\"><div class=\"col-lg-12 rbc-hero-card-content\"><div class=\"rbc-card rbc-hero-card rbc-hero has-content\"><div class=\"rbc-card-wrap\"><div class=\"rbc-card-body\"><div class=\"rbc-hero-body-content\"><h1 class=\"rbc-hero-title\"><span>Terms and conditions<\/span><\/h1><\/div><\/div><\/div><\/div><\/div><div class=\"rbc-hero-img-wrap undefined\"><\/div><\/div><\/div><\/div>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-grey has-block-grey-background-color has-background\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\">\n<div class=\"row justify-content-between no-gutters wrap blockId-3882d156-315b-42dc-b4ff-49f6a845c29a\">\n<div class=\"wp-block-rbcwm-column col-lg-7\">\n<h2 class=\"wp-block-heading\" id=\"h-banking-custody-and-investments-services\">Banking, Custody and Investments Services<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-rbc-europe-limited\">RBC Europe Limited*<\/h3>\n\n\n\n<p>100 Bishopsgate, London, United Kingdom, EC2N 4AA<\/p>\n\n\n\n<p>Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-list-links list-spaced-condensed\">\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/terms-and-conditions-for-banking-products-and-services-rbcel-02-26.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Terms and Conditions (Banking Services) \u2013 effective from February 9, 2026<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/terms-and-conditions-banking-products-and-services-extended-term-rbcel.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Terms and Conditions (Fixed Term Deposits &#8211; longer than one year) \u2013 effective Jan. 26, 2024<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/terms-and-conditions-banking-products-and-services-fixed-term-rbcel.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Terms and Conditions (Fixed Term Deposits &#8211; 12 month term) &#8211; effective Nov. 18, 2024<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/terms-of-business-for-investment-and-custody-services-rbcel-dec-2025.pdf\" data-type=\"link\" data-id=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/terms-of-business-for-investment-and-custody-services-rbcel-dec-2025.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Terms and Conditions (Investment and Custody Services) \u2013 effective from Dec 1, 2025<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/ToB-for-Investment-Services-from-RBCEL-and-Custody-Services.pdf\" data-type=\"link\" data-id=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/ToB-for-Investment-Services-from-RBCEL-and-Custody-Services.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Terms and Conditions (Investment Services \u2013 RBC Europe Limited &amp; Custody Services \u2013 Royal Bank of Canada (Channel Islands) Limited) \u2013 effective Aug. 1, 2024<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/terms-of-business-for-execution-only-services-rbcel.pdf\" data-type=\"attachment\" data-id=\"7547\" target=\"_blank\" rel=\"noreferrer noopener\">Terms and Conditions (Execution Only Services)&nbsp;<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/terms-and-conditions-notice-account-rbcel-02-26.pdf\" data-type=\"link\" data-id=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/terms-and-conditions-notice-account-rbcel-02-26.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Terms and Conditions (Notice Account) \u2013 effective February 9, 2026<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/stock-and-shares-isa-terms-and-conditions-rbcel.pdf\" data-type=\"attachment\" data-id=\"7545\" target=\"_blank\" rel=\"noreferrer noopener\">Terms and Conditions (Stocks and Shares ISA)&nbsp;<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/high-interest-savings-account-terms-and-conditions.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Terms and Conditions (High Interest Savings account) \u2013 effective Oct. 15, 2025<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/terms-and-conditions-online-services-rbcel-rbcci.pdf\" data-type=\"URL\" data-id=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/terms-and-conditions-online-services-rbcel-rbcci.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Terms and Conditions (Online Services) \u2013 effective February 1, 2024<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/hub-services-terms-and-conditions-rbcel-rbccil.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Terms and Conditions (Hub Services) \u2013 effective Oct. 1, 2023<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/sending-payments-rbcel.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Sending payments to RBC Europe Limited \u2013 effective Nov. 15, 2024<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/bank-rates-europe\" class=\"link-chev\">Bank rates and charges<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/glossary-of-banking-terms-rbc-london.pdf\" data-type=\"URL\" data-id=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/glossary-of-banking-terms-rbc-london.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Glossary of banking terms<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/fscs-information-sheet-rbcel.pdf\" data-type=\"attachment\" data-id=\"7262\" target=\"_blank\" rel=\"noreferrer noopener\">FSCS Information Sheet \u2013 effective from December 2025<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/account-switching-service-rbcel.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Account switching service<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/engagement-policy-europe-limited\" class=\"link-chev\">Engagement policy&nbsp;<\/a><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-royal-bank-of-canada-london-branch\">Royal Bank of Canada, London Branch<\/h3>\n\n\n\n<p>100 Bishopsgate, London, United Kingdom, EC2N 4AA<\/p>\n\n\n\n<p>Authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority.<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-list-links list-spaced-condensed\">\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/terms-and-conditions-for-banking-products-and-services-rbc-london-02-26.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Terms and Conditions \u2013 effective from February 9, 2026<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/general-banking-charges-rbc-london-may-2025.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Bank charges &#8211; effective May 19, 2025<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/glossary-of-banking-terms-rbc-london.pdf\" data-type=\"attachment\" data-id=\"7525\" target=\"_blank\" rel=\"noreferrer noopener\">Glossary of banking terms<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/fscs-information-sheet-rbc-london.pdf\" data-type=\"attachment\" data-id=\"7263\" target=\"_blank\" rel=\"noreferrer noopener\">FSCS Information Sheet \u2013 effective from December 2025<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/account-switching-service-rbc-london.pdf\" data-type=\"attachment\" data-id=\"7518\" target=\"_blank\" rel=\"noreferrer noopener\">Account switching service<\/a><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-royal-bank-of-canada-channel-islands-limited\">Royal Bank of Canada (Channel Islands) Limited*<\/h3>\n\n\n\n<p>Gasp\u00e9 House, 66-72 Esplanade, St Helier, Jersey, Channel Islands, JE2 3QT<br><br>C\/o Mourant Governance Services (Guernsey) Limited, Royal Chambers, St Julians Avenue, St. Peter Port, Guernsey, Channel Islands, GY1 4HP<\/p>\n\n\n\n<p>Regulated by the Jersey Financial Services Commission in the conduct of deposit taking, fund services and investment business in Jersey.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-list-links list-spaced-condensed\">\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/terms-of-business-rbccil.pdf\" data-type=\"attachment\" data-id=\"7537\" target=\"_blank\" rel=\"noreferrer noopener\">Terms and Conditions \u2013 effective from August 1, 2024<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/verified-by-visa-service-terms-and-conditions-rbccil.pdf\" data-type=\"URL\" data-id=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/verified-by-visa-service-terms-and-conditions-rbccil.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Terms and Conditions Verified by Visa Service \u2013 effective from May 25, 2018<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/terms-and-conditions-online-services-rbcel-rbcci.pdf\" data-type=\"URL\" data-id=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/terms-and-conditions-online-services-rbcel-rbcci.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Terms and Conditions (Online Services) \u2013 effective February 1, 2024<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/notice-account-terms-and-conditions-rbccil.pdf\" data-type=\"attachment\" data-id=\"7533\" target=\"_blank\" rel=\"noreferrer noopener\">Terms and Conditions (Notice Account) &#8211; effective April 17, 2025<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/hub-services-terms-and-conditions-rbcel-rbccil.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Terms and Conditions (Hub Services) \u2013 effective October 1, 2023<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/rbcci-terms-of-business-execution-only-addendum.pdf\" data-type=\"URL\" data-id=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/rbcci-terms-of-business-execution-only-addendum.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Royal Bank of Canada (Channel Islands) Limited \u2013 Terms of Business Execution-Only Addendum \u2013 June 2024<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/RBCCIL-addendum-for-transferring-advisory-deal-RBCBD-Jersey.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Royal Bank of Canada (Channel Islands) Limited &#8211; Addendum for transferring Advisory dealing service clients of RBC Brewin Dolphin (Jersey Branch)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/sending-payments-rbccil.pdf\" data-type=\"attachment\" data-id=\"7542\" target=\"_blank\" rel=\"noreferrer noopener\">Sending payments to Royal Bank of Canada &#8211; (Channel Islands) Limited<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/bank-rates\" class=\"link-chev\">Bank rates and charges<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/standard-settlement-instructions-rbccil.pdf\" data-type=\"attachment\" data-id=\"7544\" target=\"_blank\" rel=\"noreferrer noopener\">Standard settlement instructions (Custody agents)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/stp-funds-rbccil.pdf\" data-type=\"attachment\" data-id=\"7535\" target=\"_blank\" rel=\"noreferrer noopener\">Custody Solutions Funds Placement Service \u2013 STP Funds&nbsp;<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/manual-funds-hedge-funds-factsheet-rbccil.pdf\" data-type=\"attachment\" data-id=\"7536\" target=\"_blank\" rel=\"noreferrer noopener\">Custody Solutions Funds Placement Service \u2013 Manual Funds \/ Hedge Funds<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/RBC1953_Risk-Warnings_RBCCI_Feb26.pdf\" data-type=\"attachment\" data-id=\"7541\" target=\"_blank\" rel=\"noreferrer noopener\">Investment Services Risk warnings and notice&nbsp;<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/channel-islands-depositor-compensation-schemes\" class=\"link-chev\">Channel Islands Depositor Compensation Schemes<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-private-client-fiduciary-services\">Private Client Fiduciary Services<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-rbc-trust-company-international-limited\">RBC Trust Company (International) Limited<\/h3>\n\n\n\n<p>Gasp\u00e9 House, 66-72 Esplanade, St Helier, Jersey, Channel Islands, JE2 3QT<\/p>\n\n\n\n<p>Regulated by the Jersey Financial Services Commission in the conduct of fund services and trust company business in Jersey.<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-list-links list-spaced-condensed\">\n<li><a href=\"\/assets\/wp-content\/uploads\/documents\/legal\/terms-and-conditions-pcfs.pdf\" data-type=\"URL\" data-id=\"\/assets\/wp-content\/uploads\/documents\/legal\/terms-and-conditions-pcfs.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Terms and conditions &#8211; effective from Nov. 30, 2023<\/a><\/li>\n\n\n\n<li><a href=\"\/assets\/wp-content\/uploads\/documents\/legal\/scale-of-fees-private-client-fiduciary-services.pdf\" data-type=\"URL\" data-id=\"\/assets\/wp-content\/uploads\/documents\/legal\/scale-of-fees-private-client-fiduciary-services.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Scale of Fees &#8211; effective from Feb. 14, 2025<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/privacy-notice-pcfs.pdf\" data-type=\"URL\" data-id=\"\/assets\/wp-content\/uploads\/documents\/legal\/privacy-notice-pcfs.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Privacy notice &#8211; effective from Nov. 4, 2024<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/RBC1447-Privacy-Notice-April-26.pdf\" data-type=\"link\" data-id=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/RBC1447-Privacy-Notice-April-26.pdf\">Privacy Notice<\/a>  and <a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/RBC1963-Annex-Purposes-and-Legal-Basis.pdf\" data-type=\"link\" data-id=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/RBC1963-Annex-Purposes-and-Legal-Basis.pdf\">Annex<\/a>  &#8211; effective from 26 April 2026<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-column col-lg-4 mt-3 mt-lg-0\">\n<h2 class=\"wp-block-heading\" id=\"h-learn-more\">Learn more<\/h2>\n\n\n\n<ul class=\"wp-block-list is-style-list-links list-spaced-condensed\">\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/cookie-statement\" class=\"link-chev\">Cookie Statement<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/RBC1447-Privacy-Notice-April-26.pdf\" data-type=\"link\" data-id=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/RBC1447-Privacy-Notice-April-26.pdf\">Privacy Notice<\/a>  and <a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/RBC1963-Annex-Purposes-and-Legal-Basis.pdf\" data-type=\"link\" data-id=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/RBC1963-Annex-Purposes-and-Legal-Basis.pdf\">Annex<\/a>  &#8211; effective from 26 April 2026<\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/pillar-3-disclosure.pdf\" class=\"link-external\" target=\"_blank\" rel=\"nofollow noopener\">Pillar 3 Disclosure<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/best-execution-report-rbcel.pdf\" data-type=\"attachment\" data-id=\"7519\" target=\"_blank\" rel=\"noreferrer noopener\">Best Execution Report<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/open-banking\" class=\"link-chev\">Open banking<\/a><\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":68,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"editor_notices":[],"rbc_url_alias":"terms-and-conditions","footnotes":""},"rbcwm_content_owner":[],"class_list":["post-47","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.8 (Yoast SEO v26.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Terms and conditions \u2013 RBC Wealth Management<\/title>\n<meta name=\"description\" content=\"Terms and conditions Banking, Custody and Investments 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