{"id":410,"date":"2023-06-15T13:24:51","date_gmt":"2023-06-15T13:24:51","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-je\/?page_id=410"},"modified":"2026-06-24T15:02:45","modified_gmt":"2026-06-24T15:02:45","slug":"our-terms","status":"publish","type":"page","link":"https:\/\/www.rbcwealthmanagement.com\/en-je\/our-terms","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 class=\"rbc-hero-breadcrumb link-chev-left\"><div class=\"rbc-icon mr-half\"><i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-left\" style=\"color:#006ac3\"><\/i><\/div><span style=\"color:#006ac3\"><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-je\/\">Home<\/a><\/span><\/div><hr class=\"rbc-hero-hr hr-mini bdr-accent\"\/><\/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-royal-bank-of-canada-channel-islands-limited\">Royal Bank of Canada (Channel Islands) Limited*<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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\/risk-warnings-rbccil.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-uk\/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-rbc-international-trusts\">RBC International Trusts<\/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 class=\"wp-block-paragraph\">Gasp\u00e9 House, 66-72 Esplanade, St Helier, Jersey, Channel Islands, JE2 3QT<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">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\" target=\"_blank\" rel=\"noreferrer noopener\">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\" target=\"_blank\" rel=\"noreferrer noopener\">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-uk\/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\u00a0and\u00a0Annex\u00a0\u2013 effective from 26 April 2026<\/a><\/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":"<p>Review our Our Terms to understand how we protect your interests and maintain full transparency.<\/p>\n","protected":false},"author":34,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"editor_notices":[],"rbc_url_alias":"","footnotes":""},"rbcwm_content_owner":[],"class_list":["post-410","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Terms and conditions | RBC Wealth 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