Portfolio View & Messaging
How does Messaging work?
After you login successfully, we will let you know whether you have any messages in your inbox. You can check your inbox messages or draft a message to your Private Banker. In addition to a basic message template, we have also created mail or wire payment instruction templates that can be used – similar to a fax – to confirm a recent verbal instruction given to your Private Banker.
How will I know I have a message in my inbox?
During registration you have the option of enrolling for e-mail notifications to be sent to your internet e-mail address to notify you that you have a message from your Private Banker in your inbox. Note that e-mail notifications are optional and are provided as a convenience only. Notifications are sent as regular e-mail, which means they could be subject to delays and could, in some instances, arrive several hours after you receive a message in your inbox. While they do not contain sensitive information, your e-mail address, if obtained by a third party, can be sufficient to identify you as a user of Standard Chartered Private Bank services. You should carefully evaluate the convenience of receiving e-mail notifications against any privacy concerns you may have.
What is the "original instruction message" feature? How can I use the Wire Transfer and Mail Payment feature?
A special feature allowing clients to send an original instruction message (for example, a request for a wire payment) is available to clients who sign the appropriate section of the User Agreement during enrolment. To add this optional feature after enrolment, simply sign the appropriate section of the User Agreement Signature Page and return it to your Private Banker. Please note that Messaging is provided as a means to communicate securely with your Private Banker via the internet and is not intended to be a real-time electronic means to execute banking or securities transactions in regard to your accounts with the Bank. The Bank may not be able to execute any such instructions and is under no obligation to execute instructions received from you through Messaging or to execute them within a particular time frame. You accept full responsibility for Standard Chartered Private Bank relying on your instruction sent as an original message and you agree that Standard Chartered Private Bank has no responsibility for any claims that may result if your original instruction message request is delayed or rejected by Standard Chartered Private Bank. All original instructions received using the Message Centre will be followed by a call back to the client to confirm the instruction received before executing, making the entire process secure. If your instruction is time sensitive, you should contact your Private Banker immediately. Please note that due to regulatory stipulations, the original instruction message including requests for mail payments and wire transfers is not available to clients whose accounts require more than one authorisation signature to process an instruction or transaction.
How is using messaging different from regular e-mail?
Unlike regular e-mail, which can be intercepted easily and viewed by unauthorised parties, our Messaging service is secure. Clients concerned about maintaining the privacy of their private banking relationship are strongly advised to conduct all electronic communications with their Private Banker via Messaging. Use the service for your communication needs – anywhere in the world – from sending a simple note to your Private Banker, to finalising meeting arrangements, or requesting more information about an investment product. Or use Messaging to send your Private Banker a secure message, in place of a fax, to confirm a verbal transaction request.
What will happen to my original instruction message if my Private Banker is out of the office?
We have designed this system to be as secure and private as possible, which means that messages you send can only be accessed by your Private Banker and, in some cases, the Client Service Officer assigned to your account. There is the possibility that one, or both, of these individuals may be out of the office when you send your original instruction message and, therefore, there is a chance that your original instruction message may not be accessed immediately. If you have an instruction request that is time sensitive, you must contact your Private Banker by telephone when you send your original instruction message and advise your Private Banker of the nature and extent of the sensitivity.
How do I start or stop e-mail notifications?
From the Message Centre in Portfolio View & Messaging, select "E-mail Settings" to start or stop e-mail notifications.
How do I change my e-mail address for receiving e-mail notifications?
Please contact your Private Banker to change your e-mail address for receiving PV&M notifications.
I am the beneficial owner of a Private Investment Company (PIC) and want to use the original message (authentication) feature of Secure Messaging. Is this possible?
Yes. The Portfolio View & Messaging User Agreement covers clients with a fiduciary structure (Trusts and PICs), or any combination of the two, whether domiciled in Cayman or Guernsey. There is a special enrolment process that needs to be followed for clients who have fiduciary structures, along with a form to be completed by the Trust Company. In addition, clients who have a Trust or PIC, and who have Limited Power of Attorney (POA), can also use the messaging system as long as the individual who signed the User Agreement is the same individual to whom the POA was granted. The client, however, needs to acknowledge that:-
- He/She is the person who signed the Portfolio View & Messaging User Agreement.
- He/ She has authorised the POA agreement with the Trust Company (thus allowing the client to give directions directly to his Private Banker via Secure Messaging for the specific transactions enumerated in the POA).
Please remember that a POA arrangement may not be appropriate for many fiduciary structures and the client should always consult with his Private Banker and Fiduciary Specialist before requesting such an arrangement.