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General Disclaimer

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If you access and use this Website (the "Site"), you accept and agree to be bound by and comply with these legal terms of use (the "Disclaimer"). If you do not accept the Disclaimer, do not use the Site.

ROYAL BANK OF CANADA (CHANNEL ISLANDS) LIMITED

The Site has been issued by Royal Bank of Canada (Channel Islands) Limited from its branch office in Jersey, Channel Islands on behalf of certain Royal Bank of Canada entities that comprise RBC's Wealth Management network. Royal Bank of Canada (Channel Islands) Limited is a separate legal entity to other companies that comprise the  RBC Wealth Management network and information regarding products and services not provided by Royal Bank of Canada (Channel Islands) Limited, has been published with the prior authorisation and permission of the service provider.

Royal Bank of Canada (Channel Islands) Limited (the "Bank") is incorporated in Guernsey (Registered Office address: PO Box 48, Canada Court, Upland Road, St Peter Port, Guernsey GY1 3BQ: Registered Number: 3295) and is regulated by the Guernsey Financial Services Commission in Guernsey and by the Jersey Financial Services Commission in Jersey. The Bank is registered under the Banking Business (Jersey) Law 1991, and the Banking Supervision (Bailiwick of Guernsey) Law 1994, to conduct deposit taking business and regulated under the Financial Services (Jersey) Law 1998 and the Protection of Investors (Bailiwick of Guernsey) Law 1987, to carry on investment business in Guernsey and Jersey. A copy of The Bank's General Terms and Conditions is available upon request.

Deposits made with the offices of the Bank in Guernsey and Jersey are not covered by the UK Financial Services Compensation Scheme. However, the Bank is a participant in the respective Deposit Compensation Schemes in Jersey and Guernsey (“the CI Schemes”). Links to the official websites which provide details of the respective CI Schemes are available on the Jersey and Guernsey pages of our website. Copies of the latest audited accounts are available upon request from either the registered office or the Jersey Branch: 19/21 Broad St, St. Helier, Jersey JE1 8PB. ® Registered trademark of Royal Bank of Canada. Royal Bank of Canada is a registered trademark of Royal Bank of Canada.

JERSEY BRANCH: 19-21 Broad Street, St. Helier, Jersey, JE1 8PB, Channel Islands, Tel: +44 (0) 1534 283000 Fax:: +44 (0) 1534 283801

GUERNSEY OFFICE: PO Box 48, Canada Court, St. Peter Port, Guernsey, GY1 3BQ, Channel Islands, Tel: +44 (0) 1481 744000 Fax:: +44 (0) 1481 744001

NOTE TO UK INVESTORS AND RISK WARNING

Royal Bank of Canada (Channel Islands) Limited and other entities not incorporated in the United Kingdom are not authorised under the UK Financial Services and Markets Act 2000 (the "Act"). Advertising for products on this website that can be marketed within the United Kingdom has been approved to the extent required by Section 21 of the Act by an appropriate Financial Conduct Authority regulated entity. Potential investors must note that in some or all respects the regulatory regime applying will be different from that of the United Kingdom.

The value of investments can fall as well as rise and investors may not get back the amount originally invested. The information published on the Site is general information only and is not intended to be specific investment or taxation advice. The information on the Site should not be used as the basis for investment decisions and readers of the Site must consult with appropriately qualified professional advisors before making investment or other financial decisions. You should carefully read the regulatory disclosures contained on this website and in any literature forwarded to you.

GENERAL

All products and services in the pages of the Site are subject to the terms and conditions of the applicable agreements governing their use, which may change from time to time.

The Disclaimer is to be read by you together with any terms, conditions or disclaimers provided in the pages of the Site and in the Product Specific Legal disclaimers. In the event of any conflict, the terms provided in the pages of the Site and in the Product Specific Legal disclaimers will govern. The Product Specific Legal disclaimers relate specifically to a particular product or service and are displayed on each part of the Site that contains product information. The Product Specific Legal disclaimers contain important information and warnings regarding risks associated with the product or service.

The Product Specific Legal disclaimers should be accessed by you before reading the information for each product displayed on the Site and it is important that you read all of the information.

The information, material and content provided in the pages of the Site (the "Information") may be changed at any time without notice. Changes may be made to the terms provided in the pages of the Site and in the Product Specific Legal disclaimers at any time without notice by updating this posting. You agree to review the terms provided in the pages of the Site and in the Product Specific Legal disclaimers regularly and your continued access or use of the Site will mean that you agree to any changes.

Information provided on the Site, including rates, is believed to be reliable when posted, but there is no guarantee that it is accurate or complete or current at all times.

Royal Bank of Canada (Channels Islands) Limited may monitor and gather information regarding visitors to the Site for the purposes of marketing, security, statistical analysis and systems development.

LOCAL LAWS

It is important to note that the products, services and Information may not be available to residents of certain jurisdictions. Accordingly, the financial services detailed in the Site do not constitute an offer to transact business in any jurisdiction where such an offer would be considered unlawful. The Information does not constitute an offer or solicitation to buy or sell any currency, investment fund or other product, service or information to anyone in any jurisdiction in which an offer or solicitation is not authorized or cannot legally be made or to any person to whom it is unlawful to make an offer or solicitation. For information specific to your jurisdiction, please contact your financial advisor.

The terms and conditions applicable to any product, service or information will be those determined at the time of provision of the product, service or information. Please be aware of the laws of your country or that otherwise apply to you in relation to any of the matters described in these pages. If you choose to access the Site, you do so on your own initiative and are responsible for compliance with applicable local, national or international laws.

CONFIDENTIALITY

Royal Bank of Canada (Channel Islands) Limited ("the Bank") will treat all information regarding you and your account (whether acquired before or after the opening of an account was contemplated and whether originating from you or a third party) as confidential. The Bank will not disclose any information that it holds about you or your account except in the following circumstances:

  1. where the Bank is compelled to do so under the laws of Jersey;
  2. where you have provided your prior written authorisation to do so*;
  3. where it is in the Bank's interest to do so; or
  4. where it is in the public interest to do so.
  5. where the Bank needs to disclose information to other financial institutions for the purposes of fraud prevention.
    For the purposes of fraud or crime prevention or detection, the Bank may also use RBC’s centralised systems and/or systems resources and/or specialist information technology employees in other countries such as Canada and the United Kingdom, whether or not those countries have equivalent data protection legislation to the jurisdiction from which the Account is provided and which may be outside the European Economic Area. In such circumstances, the Bank shall use its reasonable endeavours to ensure that Client information, including any Client personal data is protected to the standards which the Bank applies in the jurisdiction of the Account.

The Bank may be required to disclose information about you and your account to third parties to facilitate the provision of services to you. In such circumstances you will be notified of this fact in advance of the service being provided to you and your confirmation that this information can be shared with the relevant third parties (and your prior written authorization to do so) will be requested in the relevant application form.

Further information about how the Bank will deal with information about you or your account can be found under "Privacy", which appears at the foot of each page of this Website.

* If you request information regarding a product or service that is not provided by the Bank, you hereby authorise the Bank to provide your name and address to the RBC Wealth Management entity that provides that product or service, so that the information can be provided to you. In such instances, your information will be handled by the Wealth Management service provider in accordance with local laws and regulations. For example, information held by Royal Bank of Canada (Suisse) is handled and maintained in accordance with Swiss Law.

EXPORT CONTROL

You may not use or export or re-export the Information or any copy or adaptation in violation of any applicable laws or regulations, including export laws and regulations in force from time to time.

NO WARRANTIES

RBC and Royal Bank of Canada (Channel Islands) Limited, and any of their affiliates, subsidiaries, officers, directors, employees or agents (collectively, the "Bank") provide the Site and the Information on an "as is" basis and do not make any express or implied warranties, representations, endorsements or conditions with respect to the Site or the Information, including without limitation, warranties as to merchantability, operation, non-infringement, usefulness, completeness, accuracy, currency, reliability and fitness for a particular purpose. Further, the Bank does not represent or warrant that the Site will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and backup of data and/or equipment and to take reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

TRADE-MARKS AND COPYRIGHTS

Certain names, words, titles, phrases, logos, icons, graphics or designs or other content in the pages of the Site are trade names or trade-marks owned by Royal Bank of Canada or its subsidiaries, or trade names or trade-marks licensed to them. The trademarks are distinguished from one another and accompanied, at first-time use, with the appropriate trade-mark symbol: ®/T. These symbols are keyed to their respective legend which describes the owner or licensee of the trade-mark: ® Registered trade-mark of Royal Bank of Canada used, under license by Royal Bank of Canada (Channel Islands) Limited./ T Trade-mark of Royal Bank of Canada, used under license by Royal Bank of Canada (Channel Islands) Limited. RBC is the parent company of Royal Bank of Canada (Channel Islands) Limited. The display of trade-marks and trade names on pages of the Site does not imply that a license of any kind has been granted to anyone else. The Information is for your personal use only. Any unauthorized downloading, re-transmission, or other copying or modification of trade-marks and/or the contents of the Site may be a violation of any federal or other law that may apply to trade-marks and/or copyrights and could subject the copier to legal action. The Information is protected under the copyright laws of Canada and other countries. Unless otherwise specified, no one has permission to copy, redistribute, reproduce, republish, store in any medium, re-transmit, modify or make public or commercial use of, in any form, the Information.

INTERNET E-MAIL

Any unprotected e-mail communication over the Internet is, as with communication via any other medium (e.g. cellular phones, post office mail), not confidential, subject to possible interception or loss, and is also subject to possible alteration. The Bank is not responsible for and will not be liable to you or any one else for any damages in connection with an e-mail sent by you to the Bank or an e-mail sent by the Bank to you at your request or on an ad-hoc basis.

NO ENDORSEMENTS

No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any Information.

NO LIABILITY

The Bank is not responsible for and will not be liable to you or anyone else for any damages whatsoever (including direct, indirect, incidental, special, consequential, exemplary or punitive damages) arising out of or in connection with your use of or inability to use the Site or the Information, or any action or decision made by you in reliance on the Site or the Information, or any unauthorized use or reproduction of the Site or the Information, even if the Bank has been advised of the possibility of these damages.

LINKS/SOFTWARE

Links from or to Websites outside the Site are meant for convenience only. The Bank does not review, endorse, approve or control, and is not responsible for any sites linked from or to the Site, the content of those sites, the third parties named therein, or their products and services. Linking to any other site is at your sole risk and the Bank will not be responsible or liable for any damages in connection with linking. Links to downloadable material situate on or through other sites are for convenience only and the Bank is not responsible or liable for any difficulties or consequences associated with downloading such material  Use of any downloaded material is governed by the terms of the license agreement, if any, which accompanies or is provided with the software.

JURISDICTION

The Site is administered on behalf of the Royal Bank of Canada entities that comprise RBC’s Wealth Management network by Royal Bank of Canada (Channel Islands) Limited from its office in Jersey, Channel Islands. The Site will be governed by and construed in accordance with the laws of Jersey, without giving effect to any principles of conflicts of laws. All disputes, controversies or claims arising out of or in connection with the Site shall be submitted to and be subject to the exclusive jurisdiction of the Courts of Jersey. Through accessing the site you agree to submit and attorn to the exclusive jurisdiction of the Courts of Jersey to finally adjudicate or determine any suit, action or proceeding arising out of or in connection with the Site.