Please read the following terms and conditions and the data protection and privacy policy carefully before using any online services or this web site. If in doubt, please seek professional advice.

This is or will form a legally binding agreement between you and Standard Chartered Bank (the “Bank”) establishing the terms and conditions under which this web site or any online service may be used. Use of any online service implies that you have accepted these terms and conditions.

If you do not accept these terms and conditions, please do not access this web site and do not use the online services.

Standard Chartered Bank is incorporated in England with limited liability by Royal Charter 1853 Reference Number ZC18 with its principal office at 1 Basinghall Avenue, London, EC2V 5DD.

The Bank controls and maintains this Web Site from Jersey. The materials and information contained in this section of this Web Site, relating to Jersey, is directed at and restricted to individuals resident in or entities having a place of business in Jersey ONLY. The Bank makes no representation that the materials and information contained herein is appropriate or available for use in other locations / jurisdictions.

These Terms and Conditions are governed by and construed in accordance with the laws of Jersey and any dispute relating thereto shall be subject to the non-exclusive jurisdiction of the courts of Jersey.

This Web Site does not constitute an offer or solicitation on the part of the Bank to provide any products or services described therein to any person to whom it is unlawful to make such offer or solicitation or where the local law or regulation does not permit the purchase of, subscription for or otherwise use of such products or services. If in doubt, you should check with your Local Regulator or Authority or Professional Advisor before using any such products or services.

Products and services are available only in a particular location at the sole discretion of the Bank or the relevant Standard Chartered Bank Group company or associate, subject to the individual terms and conditions on which they are offered and such products and services may be withdrawn or amended at any time without notice. The full range of products or services may not be available in all locations. Fees, commissions or other charges may apply to certain products or services – the office providing the products or services can provide details.

Transactions with any office of Standard Chartered Bank outside the United Kingdom, or with any other Standard Chartered Bank Group company or associates outside the United Kingdom, are not protected by the United Kingdom’s regulatory regime. Transactions with offices of non-group companies referred to in this Web Site will not normally be so protected unless otherwise indicated.

Materials and information contained in this Web Site should not be regarded as an offer or solicitation to buy or sell any products or services in any country to any person to whom it is unlawful to make such an offer or solicitation. For materials or information relating to any external third parties or their products or services, it is re-transmitted by the Bank in the ordinary course of business to you for information and reference only. The Bank, its officers, employees, and agents do not devise, select, add to, modify or otherwise exercise control over the contents of this Web Site, and do not accept any responsibility whatsoever for it nor do they be regarded as having endorsed such material or information or any part thereof.

Materials, information, marks and logos contained in or displayed on this Web Site are protected by intellectual property rights under applicable laws. No part of these material, information, marks and logos may be modified, reproduced, stored in a retrieval system, transmitted, copied, distributed or used in any other way for any commercial or public purposes without the written permission of the Bank or the party owing these material, information, marks and logos.

Whilst every care has been taken in preparing the materials and information contained in this web site, such materials and information are provided on an “as is” basis without representation or warranty of any kind, express, implied or statutory regarding non-infringement, security, accuracy, reliability, fitness for a purpose or freedom from computer viruses is given in connection with such materials and information.

The materials and information contained in this web site are provided for general information only and should not be used as a basis for making decisions. Any advice or information received via this web site should not be relied upon without consulting primary or more accurate or more up-to-date sources of information or specific professional advice. You are recommended to obtain such professional advice where appropriate.

Geographic, political, economic, statistical, financial and exchange rate data are presented in certain cases in approximate or summary or simplified form and may change over time. Reliance has been placed by the editors on certain such data obtained externally statistical data which, though believed to be correct, may not in fact be accurate. The bank accepts no liability for any loss or damage arising directly or indirectly (including special, indirect, incidental or consequential loss or damage) from action taken, or not taken, by or for you or otherwise, in reliance on materials or information contained in this web site. In particular, no warranty is given that any materials, information or data contained in this web site are accurate, reliable or up-to-date.

The bank accepts no liability and will not be liable for any loss or damage arising directly or indirectly (including special, incidental or consequential loss or damage) from your use of this web site, howsoever arising, including any loss, damage or expense arising from, but not limited to, any defect, error, imperfection, fault, mistake or inaccuracy with this web site, its contents or associated services, or due to any unavailability of the web site or any part thereof or any contents or associated services, where such events arose out of circumstances outside the bank’s reasonable control.

Please note that any software downloaded from this web site is at your own risk and the bank neither assumes nor accepts liability for any loss or damage (whether direct or indirect), howsoever caused, as a result of any computer viruses, trojan horses, worms, software bombs or similar items or processes arising from your use of this web site, where such events arose out of circumstances outside the bank’s reasonable control.

Any hypertext link from this web site exist for information purposes and are for your convenience only and the bank accepts no liability for any loss or damage arising directly or indirectly (including specific, incidential or consequential loss or damage) from the accuracy or otherwise of materials or information contained on the pages of such sites or loss arising directly or indirectly from defects with such sites linked. The bank’s inclusion of hyperlinks does not imply any endorsement of the materials on such sites linked.

The bank does not guarantee that any e-mails from the web site will be sent to you or received by the bank nor does the bank warrant the privacy and/or security of e-mails during internet transmission which is outside the bank’s reasonable control. The bank accepts no liability for any loss or damage arising directly or indirectly (including special, incidental or consequential loss or damage) from failure of any internet transmission (including e-mails correspondence) from this web site or otherwise.

Unless restricted by applicable laws, you agree that any and all personal information/data relating to you collected by the Bank from this Web Site may from time to time be used and disclosed for such purposes and to such persons as may be in accordance with the Bank’s prevailing Data Protection and Privacy Policy as amended from time to time.

A copy of the Bank’s current Data Protection and Privacy Policy may be obtained by clicking here.

The price of securities can and does fluctuate, and any individual security may experience upward or downward movements, and may even become valueless. There is an inherent risk that losses may be incurred rather than profit made as a result of buying and selling securities.

The risk of loss in trading futures contracts or options can be substantial. In some circumstances, you may sustain losses in excess of your initial margin funds. Placing contingent orders, such as “stop-loss” or “stop-limit” orders, will not necessarily achieve the desired results. Market conditions may make it impossible to execute such orders. You may be called upon at short notice to deposit additional margin funds. If the required funds are not provided within the prescribed time, your position may be liquidated. You will remain liable for any resulting deficit in your account. You should therefore study and understand futures contracts and options before you trade and carefully consider whether such trading is suitable in the light of your own investment objectives, financial circumstances, tolerance to risks and investment experience.

You should also read any risk disclosure statement contained in any particular investment product you intend to purchase, subscribe or trade. If in doubt, please seek specific professional advice.

You hereby agree to indemnify and to keep the bank fully and effectively indemnified against any action, liability, cost, claim, loss, damage, proceeding or expense (including legal fees, costs and expenses on a full indemnity basis) suffered or incurred by the bank arising from or which is directly or indirectly related to:

The Bank may terminate these terms and conditions, your access to this Web Site and use of online services at any time, without prior notice to you.

The Bank reserves the right in its discretion to change at any time without prior warning or notice any information or material contained on this Web Site and is entitled to from time to time amend the terms and conditions under which this Web Site is used with prior notice to you. If you continue to access to this Web Site or use any of the online services after such modification, you are regarded to have agreed to be bound by such modified information, material, and terms and conditions.

All contents of this Web Site including but not limited to the texts, graphics, links and sounds are the copyright of Standard Chartered PLC and may not be copied, downloaded, distributed or published in any way without the prior written consent of Standard Chartered PLC.

“Standard Chartered”, “Standard Chartered Bank”, are registered trade marks and service marks of Standard Chartered PLC and no permission or license is granted to use any such trade marks or service marks without the prior written consent of Standard Chartered PLC. All other marks, names and logos used on this Web Site relating to companies within the Standard Chartered Bank Group or to their products or services are the intellectual property rights held by companies within the Standard Chartered Bank Group unless otherwise stated.

In relation to any information or materials which you submit to Standard Chartered Bank using this Web Site, you hereby grant to Standard Chartered Bank a worldwide royalty-free perpetual licence of the copyright and intellectual property rights in such information or materials for any purpose it deems including, without limitation, the copying, transaction, distribution and publication thereof, unless restricted by applicable laws.

You agree that Standard Chartered Bank shall not be under any obligation of confidentiality to you regarding any such information or material submitted to it using this Web Site unless agreed otherwise in a separate direct contract between you and Standard Chartered Bank or required by applicable laws.

You acknowledge that the contents of the foregoing provisions shall not limit any specific provisions set out in the individual terms and conditions of particular products and services offered on or through this Web Site.

Terms of Service for One-time Password for Online Transactions using your Debit Card

The One-time Password for Online Transaction service is a security feature intended to improve the security of Online Transactions effected at designated online merchants.  For some transactions effected using your card at such merchants, you will be required to enter the OTP sent to your registered mobile phone number in order to complete the transaction.

The Service provided by Standard Chartered Bank, Jersey Branch (hereinafter, the “Bank”) is subject to the following Terms of Service (“TOS”), as supplemented by and read together with the Jersey General Terms and Conditions, including but not limited to Section 2 of the same) (the “General Terms”). Please read the TOS and the General Terms carefully and make sure that you have understood it fully before using the Service. In the event of any inconsistency, these Terms shall prevail over the General Terms.

The meaning of key words printed in italicised font like this is explained in the General Terms.  Some additional key words that apply to this Service are printed in bold font like this and are defined in these Terms, including the following:

a) “Card Details” refer to the card number, expiry date, cardholder name and CVV number printed on a card.

b) “Electronic Device” refers to any device through which your OTP can be received, in connection with this Service.

c) “Service” refers to the security feature intended to improve the security of certain Online Transactions, which involves the sending of an OTP to your registered mobile phone number with the Bank and your entry of that OTP before the Online Transaction can be completed.

d) “Online Transaction” refers to a card transaction effected at a designated online merchant, which does not require physical presentation of a card, and includes future transactions authorised in advance or transactions authorised in advance to recur at various intervals.

e) “OTP” refers to the one-time password that will be sent by the Bank to your registered mobile phone number with the Bank as part of the Service.

f) “we,” “us,” or “our” refers to the Bank (which includes its successors and assigns);

g) “you,” “your,” or “yours” refers to the cardholder using the Service.

1. ACCEPTANCE OF TERMS

a) We reserve the right to change the TOS from time to time. We will give you prior notice of these changes by posting a notice on our website or by such other means as we, acting reasonably, determine. You can review the currently applicable version of the TOS by returning to this page at any time. In addition, when using the Service, you shall be subject to any posted guidelines or rules applicable to the Service that may be posted from time to time at the Bank’s website.

b) You agree that your continued use of the Service after you have been advised of revisions to this TOS either by notice on the Bank’s website or otherwise shall constitute your agreement to such revised terms and any applicable posted guidelines or rules.

c) Unless explicitly stated otherwise, any new features that augment, enhance or otherwise change the Service shall be subject to this TOS.

d) The Bank reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice.

2. AUTHENTICATION

a) When engaging in an Online Transaction for which the Service is required, you must input the OTP sent to your registered mobile phone number to authorise and complete the transaction. If the correct OTP is entered, the Bank will debit to your account the amount of any such payment authorised in this way.

b)  If you are unable to provide the correct OTP, or if the authentication through the Service otherwise fails, the merchant may not accept your card in payment for that transaction.

c) To ensure the receipt and/or the accuracy of the OTP received, you are responsible for ensuring that the mobile phone number that you have registered with the Bank is active, valid and up-to-date.  You also acknowledge that your receipt of OTPs is dependent on the infrastructure, connectivity and services provided by your mobile phone service provider.  You therefore accept that timeliness, accuracy and/or readability of such OTPs will depend in part on such third-party service providers.

d) We are not responsible for non-delivery or delayed delivery, error, loss or distortion in transmission of OTPs if this is due to the fault of third party service providers beyond our control.  You further agree that the Bank  shall not be liable in any way for any merchant’s refusal to accept your card for any payment, regardless of what the reasons may be.

3. SECURITY

a) To prevent unauthorised use of the Card, you agree to safeguard the confidentiality of your Card Details and any OTP generated through your use of this Service  (collectively “Security Data”). In addition, you agree to protect all Electronic Devices from any unauthorised access.

b) If your card or Electronic Device is lost or stolen, or if you know or suspect that someone knows your Card Details or otherwise has access to any OTPs sent to your registered mobile phone number, you or any other person authorised to act on your behalf shall immediately notify the Bank by calling the dedicated debit card telephone number provided in the General Terms.

c) Save as set out in Section 3(d), you will be liable for all claims, losses and consequences arising from or in connection with all transactions referable to your Card Details and/or OTP, whether or not made with your knowledge or authorisation.

d) You are not liable for loss caused by:

1. fraudulent or negligent conduct by our employees or agents, or parties involved in the provision of the Service;

2. faults that occur in our systems, including the systems used to provide the Service, unless the faults are obvious or advised by a notice or message;

3. unauthorised transactions occurring after you have reported to the Bank that your card or Electronic Device has been lost or stolen or that you know or suspect that someone knows your Card Details or otherwise has access to any OTPs sent to your registered mobile phone number; or

4. any other transactions where it is clear that you could not have contributed to the loss.

4. OUR LIABILITY

1. The Bank does not give any warranties or conditions (whether express, implied, statutory or otherwise) in relation to the Service, and the Bank excludes all implied warranties and conditions.

2. You agree that the Bank shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Service.

3. Under no circumstances will the Bank be liable for any consequential, incidental, special or indirect losses or for loss of profit, business interruption or loss of business opportunities resulting from your use of the Service regardless of whether such damages arise in contract, tort (including negligence) or otherwise and regardless of whether we have been advised of, or are aware that such damages have been or may be incurred.

4. The Bank assumes no responsibility for, and will not be liable for, any damage to, or any viruses which may affect, your computer equipment or other property on account of your access to or use of the Services.

5. DEALINGS WITH MERCHANTS

a)  You understand that use of the Service does not, in any way, indicate that we recommend or endorse any merchant, regardless of whether the merchant requires the entry of a valid OTP to complete an Online Transaction. In providing this Service, the Bank does not verify the identity of the merchant or endorse the quality of the merchant’s goods or services.

b) If there is any inconsistency between our internal records, and information relating to your card(s) and related account(s) or your use of the Service, our internal records will prevail in the absence of evidence to the contrary.

6.  PROPERTY RIGHTS

The Bank and/or its Service providers retains all right, title, and interest in the Service.

7. GENERAL

This TOS will be construed and interpreted in accordance with the laws of Jersey.

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