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Private Client Conditions of Use

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Private Client Conditions of Use PRIVATE CLIENT CONDITIONS OF USE Private Client Conditions of Use CONTENTS Private Client Conditions of Use Introduction Section A: Conditions of General Application Section B: Account Specific Conditions Your information Private Current (a payment account) Account restrictions and Unarranged Overdrafts Private Reserve (a non-payment account) Giving us instructions Fixed Term Deposit (a non-payment account) Payments into your account Cash Management Account (a payment account) Payments out of your account Closing or converting your account Section C: Account Operations Schedule Liability Communications Changes to the agreement and charges Changes to interest rates Complaints 1 Private Client Conditions of Use Private Client Conditions of Use Introduction x. When these conditions require us to give you personal notice or service, this will be done by i. These Terms and Conditions (the ‘Conditions’) writing to you at the last address you provided form part of the contract between you and to us for this purpose, or by telephone, text us, The Royal Bank of Scotland International message, email, or secure message to your Limited trading as Coutts Crown Dependencies. inbox in online banking (the Online Service) , The contract also includes the terms about or any other form of communication we agree, interest rates and charges shown in the Banking including through third parties. Services, Dealing and Custody Fee Tariff (the "Tariff") and on couttscrowndependencies.com xi. All of the accounts that we offer are categorised and in any confirmation letters we send to you as either ‘Payment Accounts’ or ‘Non- regarding Fixed Term Deposits. payment Accounts’ in the index to the Account Specific Conditions and in the Account Specific ii. These Conditions are divided into General Conditions themselves. Where applicable, the Conditions and Account Specific Conditions. Conditions will specify what type of account The General Conditions apply to all accounts and they apply to. Where the Conditions do not services we offer to Private Clients. The Account specify otherwise, they will apply to all accounts Specific Conditions apply to particular accounts. that we offer to you. iii. If an Account Specific Condition is inconsistent xii. In these Conditions we refer to your Private with any General Condition, the Account Banker. Details and contact information for Specific Condition will apply. your Private Banker will be provided to you on iv. Jersey law applies to the contract between you or before the opening of your account. If you are and us and the courts of Jersey shall have non- unable to contact your Private Banker, please exclusive jurisdiction. telephone us on +44 (0)1534 282345 or write to Coutts Crown Dependencies 23-25 Broad Street, v. We may allow you extra time to comply with St Helier, Jersey JE4 8ND. your obligations or decide not to exercise some or all of our rights, but we can still insist on the strict application of any or all of our rights at a later stage. vi. We may agree other terms with you but these will only apply if agreed in writing and we can revoke any such other terms agreed with you at any time by telling you at least 60 days before revoking those terms unless the change is to your advantage, in which case we will tell you either before the change comes into effect or at the earliest opportunity afterwards. vii. You should read these Conditions carefully and retain a copy for future reference. We can provide you with additional or up-to-date copies of these Conditions (and any other documents which form part of the contract between you and us) if you ask us. These Conditions are also available at www.couttscrowndependencies.com viii. In these Conditions we use the term ‘business day’ to refer to any day from Monday to Friday (inclusive) which is not a Jersey or UK Bank Holiday. ix. References in these Conditions to our Banking Services, Dealing and Custody Tariff and couttscrowndependencies.com, are references to those items as amended from time to time. We may change the terms about interest rates and charges in those items by exercising our powers under General Conditions 16 and 19. 2 Private Client Conditions of Use General Conditions necessary for us to carry out our lawful business activities, or where it is necessary to comply Section A: Conditions of General Application with laws and regulations that apply to us. 1. Your information 1.7 We will not share your information with anyone 1.1 We are a member of NatWest Group plc outside NatWest Group except: (NatWest Group). For more information about a) where we have your permission; other NatWest Group companies please visit natwestgroup.com, or contact your Private b) where required for your product or service; Banker c) where we are required by law and where 1.2 We collect and process various categories of lawful to law enforcement agencies, judicial personal and financial information throughout bodies, government entities, tax authorities your relationship with us, to allow us to or regulatory bodies around the world; provide our products and services and to run d) with other banks and third parties where our business. This includes basic personal required by law to help recover funds that information such as your name and contact have entered your account as a result of a details, and information about your financial misdirected payment by such a third party; circumstances, your accounts and transactions. We have a duty to keep customer information e) with third parties providing services to us, confidential. This section sets out how we may such as market analysis and benchmarking, share your information with other NatWest correspondent banking, and agents and Group companies and third parties. sub-contractors acting on our behalf, such as the companies which print our account 1.3 For more information about how we use your statements; personal information, the types of information we collect and process and the purposes for f) with other banks to help trace funds where which we process personal information, please you are a victim of suspected financial read our full privacy notice (our ‘Privacy crime and you have agreed for us to do so, Notice’) provided on our website www. or where we suspect funds have entered couttscrowndependencies.com/privacynotice your account as a result of a financial crime; 1.4 We may update our Privacy Notice from time to time, by communicating such changes to you g) with debt collection agencies; and/or publishing the updated Privacy Notice h) with credit reference and fraud prevention on our website couttscrowndependencies.com/ agencies; privacynotice. We would encourage you to visit our website regularly to stay informed of the i) with third party guarantors or other purposes for which we process your information companies that provide you with benefits and your rights to control how we process it. or services (such as insurance cover) associated with your product or service; 1.5 In respect of any personal information relating to a third party that you provide to us, you must: j) where required for a proposed sale, reorganisation, transfer, financial a) notify the third party that you are providing arrangement, asset disposal or other their personal information to us and obtain transaction relating to our business and/or their permission; assets held by our business; b) provide the third party with a copy of our k) in anonymised form as part of statistics or Privacy Notice and these Terms; other aggregated data shared with third c) promptly notify the third party of any parties; or changes to our Privacy Notice that we l) where permitted by law, it is necessary for notify you of; and our legitimate interests or those of a third d) ensure that, to the best of your knowledge, party, and it is not inconsistent with the the personal information is accurate and purposes listed above. up to date, and promptly notify us if you 1.8 If you ask us to, we will share information with become aware that it is incorrect. any third party that provides you with account 1.6 Your information may be shared with and information or payment services. If you ask used by other NatWest Group companies. We a third party provider to provide you with will only share your information where it is account information or payment services, you’re allowing that third party to access information 3 Private Client Conditions of Use relating to your account. We’re not responsible (couttscrowndependencies.com) and by for any such third party’s use of your account telephone. Interest is calculated on a daily basis information, which will be governed by their and applied monthly. agreement with you and any privacy statement 2.7 If an Unarranged Overdraft is not allowed, we they provide to you. will refuse the payment due to lack of funds. 1.9 In the event that any additional authorised 2.8 The fact that an Unarranged Overdraft has users are added to your account, we may share been allowed, does not mean that we will allow information about the use of the account by any a future payment despite lack of funds which authorised user with all other authorised users. would have the same effect or that any arranged 1.10 NatWest Group will not share your information overdraft limit has changed. with third parties for their own marketing 2.9 Details of all interest paid or charged by us and purposes without your permission. fees and other charges relating to your account 1.11 We may transfer your information to are in the Tariff and our Interest Rates Notice. organisations in other countries (including to other NatWest Group companies) on the basis 3.
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