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Terms and conditions

Website Terms and Conditions
Thank you for visiting our website. Before you go any further it is important that you read and understand the terms and conditions under which you will access and use the website. By using this website, you agree to be subject to the terms and conditions.

IMPORTANT NOTICE: The services and information (the "Services") available on or via this website are not targeted at residents outside of the United Kingdom. In particular, nothing on this website should be interpreted as targeting or being intended for use by persons or entities in the United States of America, Canada, South Africa, Australia, Hong Kong, or any other country or jurisdiction where such use would be contrary to local law or regulation. Users of this website are responsible for ensuring that they comply with any local law or regulation to which they are subject. If you are accessing other ICBC Standard Bank Group websites outside of the United Kingdom, you should read the appropriate terms and conditions for those websites.

About us - Company Details
ICBC Standard Bank Plc (“ICBCS”) is a company registered in England and Wales under company number 2130447, with its registered office address at 20 Gresham Street, London, EC2V 7JE, United Kingdom.
ICBCS is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority (register number 124823). To contact ICBCS (in particular, if you have any questions about these Terms) please visit the 'Contact Us' part of this website.

These terms and conditions, the Privacy Notice and Cookie Statement, together with any other applicable terms and policies (including any client agreement) (the "Terms") govern your use of this website. Please read the Terms before using this website. Use of this website includes accessing, browsing, using or registering to use our website and any reference to 'use' shall have that meaning.
All references in the Terms to "ICBCS ", "we", "us" or "our" are references to ICBC Standard Bank Plc, and/or any entity controlled, directly or indirectly, by it (each an "ICBC Standard Bank Group" member).
In the event that any online services are provided on this website, they will be subject to separate terms and conditions (see Online Services below). To the extent that you use this website to access any services you are receiving from us, your access to those services will be governed by the Terms and any additional terms in place with us. In the event of conflict between the Terms and the additional terms, the additional terms shall prevail.

Online services
Our online products and services (“Online Services”) are subject to registration procedures and approvals, which we may accept or reject at our sole discretion.
Our online services are governed by separate terms and conditions (“Service Terms”) that are available on the relevant sections of this website where the Online Services are provided. In the event of conflict between these Terms and the Service Terms, the Service Terms will apply.

Acceptance of and amendment to Terms
By using this website, you confirm that you accept these Terms and that you agree to comply with them. If you do not agree to these Terms, you must not use this website.
We may amend the Terms from time to time and without notice. You agree to be bound by any such amended terms. You further acknowledge that your use of this website is entirely at your own risk. These Terms were most recently updated on 26 June 2019. Unless otherwise stated, the current version shall supersede and replace all previous versions of the Terms. Any revision and/or addition to these Terms shall become effective and binding on you when you use the website on or after the effective date of such revision and/or addition.

Jurisdiction and restriction
These Terms and any dispute or claim arising out of or in connection with the Terms (including non-contractual disputes or claims), shall be governed by and construed in accordance with English law and the parties irrevocably submit to the non-exclusive jurisdiction of the English Courts to settle any such claim or dispute.

Do not rely on information on this website
All materials and information contained on this website (collectively “Content”) is provided "as is" without any guarantees, representations, conditions or warranties of any kind, express, implied or statutory and is provided for general information only.  You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the Content. Nothing on this website constitutes an offer, a solicitation or a recommendation for the sale or purchase of any investment. Nothing contained on this website constitutes financial, legal, tax, professional, investment, or any other advice of any kind. No decision should be made solely on the information contained within this website. We may change the Content on our website at any time although we are under no obligation to update the Content.

We disclaim all liability and responsibility arising from any reliance placed on such Content by any visitor to the website or by anyone who may be informed of any of such Content.

For materials or information relating to any external third parties or their products or services, it is re-transmitted by us in the ordinary course of business to you for information and reference only.

We may provide Content from time to time on:

·projected revenues, income, earnings per share, capital expenditures, dividends, capital structure or other financial items;

·the plans, objectives and/or projections of the bank for future operations, including those relating to the services of the bank; or

·future economic performance.

·Such projections are only estimates. Actual events or results may differ.

Linked third party websites
Where this website contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them. We have no control over the contents of those sites or resources.

Linking to our website
You must not establish a hyperlink, frame, metatag or similar reference, whether electronically or otherwise (collectively referred to as linking), to this website or any subsidiary pages before receiving our prior written approval, which may be withheld or granted subject to the conditions we specify from time to time.

An application for linking must be submitted to Once received we will do our best to respond and enter into further discussions with you. If you don't get a written response from us within five business days, consider your request as having been rejected.

We reserve the right to withdraw linking permission at any time without notice.

Data Privacy
We only process and use personal data and other information we collect from you via this website or that you provide to us, in accordance with the terms of our Privacy Notice.

The Cookie Statement describes how we use cookies and similar technologies to recognise you when you visit this website. It explains what these technologies are and why we use them, as well as your rights to control our use of them.

Intellectual Property Rights
All copyright, trademarks and other intellectual property rights used on this website, including but not limited to the text, logos, graphics, links, sounds logos and multimedia works, either belongs to us or a third party. The Content is protected by copyright laws and treaties around the world.

We retain all intellectual property rights in the Content and your use of the website and the Content grants you no right, title or interest to the Content. The Content may not be copied, downloaded, distributed reproduced, or transmitted or published in any way without the prior written consent of ICBCS, however you are permitted to view, print and/or download one copy, and may download extracts, of any page(s) from the website to a local hard drive (and print and make copies of such printouts).

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or graphics separately from any accompanying text. 

You must not use any part of the Content for commercial purposes without obtaining a licence to do so from us or our licensors.
Our status (and that of any identified contributors) as the authors of Content on the website must always be acknowledged.
If you print off, copy or download any part of this website in breach of these Terms, your right to use the website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
The logos and trademarks shown on this website are our registered and unregistered trademarks or that of third parties. Nothing on this website should be construed as granting any licence or right to use any trademark, logo or service mark and you may not use any trademark, logo or service mark without our prior written permission and/or that of third parties, as the case may be. An application to use our intellectual property must be submitted to

No warranties or representations
Whilst every care has been taken in preparing this website, we make no guarantee, representation, warranty or undertaking (express or implied) and no responsibility or liability is accepted by us as to the accuracy or completeness of any information contained on this website (inclusive of all forms, attachments and other documents). We shall not be liable for any functions contained on this website and make no warranties that this site will operate uninterrupted or error free or that any error will be corrected. To the maximum extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to the website or any content on it, whether express or implied.

Termination, suspension and limitation

We may terminate these Terms and/or modify, suspend, terminate or discontinue your access to this website at any time and without notice. We may also impose limits or conditions on the right to certain services, features or functions and we may restrict access to parts of or all of the services on the website.

We do not guarantee that the website will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programmes and platform in order to access the website. You shall use your own virus protection software.

You shall not misuse the website by knowingly introducing viruses, Trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to the website, the server on which the website is stored or any server, computer or database connected to the website. You must not attack the website via a denial-of-service attack or a distributed denial-of service attack. In the event of such a breach, your right to use the website will cease immediately.

Disclaimer and limitation of liability
Although we have taken care to ensure that the Content is accurate and that you suffer no loss or damage as a result of your use of this website, this website and the online services are provided "as is".
Use of this website and the Online Services is entirely at your own risk. You assume full responsibility for the risk or loss resulting from your use of this website and your reliance on the material and any information contained on it.

To the maximum extent permitted by law, we will not be liable in any way for any loss or damage suffered by you through the use of or access to this website, or our failure to provide the website. We exclude all conditions, warranties, representations or other terms which may apply to the website or any content on it, whether express or implied.

Save for any liabilities that we cannot restrict by law, we are not liable for and exclude all liability for any and all losses (including, without limitation, any direct, indirect, special, incidental, consequential, loss of profit, punitive damages or expenses, whether arising out of contract, statute, delict, law or otherwise and regardless of whether we were expressly advised of the possibility of such losses) whatsoever relating to or arising out of your use of this website or the Online Services or the use of linked pages or the information contained on this website or your inability to use or access this website or the online services or system failure or computer virus. "Losses" means claims, demands, actions, awards, judgments, settlements, costs, expenses, liabilities, damages and losses (including all interest, fines, penalties, management time and legal and other professional costs and expenses) arising directly or indirectly (including special, incidental or consequential loss or damage).

You shall on demand indemnify us from and against all losses incurred by us arising out of or in connection with, or which is directly or indirectly related to, your use of the website.

If any of these Terms are determined to be illegal, invalid or otherwise unenforceable by reason of law then, to the extent and within the jurisdiction in which that term is illegal, invalid or unenforceable, it shall be severed and deleted from these terms and the remaining terms shall survive, remain in full force and effect and continue to be binding and enforceable.

Failure or delay by us in enforcing or partially enforcing any provision of these Terms will not be construed as a waiver of any of our rights under these Terms nor operate so as to bar the exercise or enforcement of that or any other right on any later occasion.

Any waiver by us of any breach or default by you of any provision of these Terms will not be deemed a waiver of any subsequent breach or default and will in no way affect the other terms of these Terms of Use.
No term of these Terms will be enforceable by virtue of the Contracts (Rights of Third Parties) Act 1999 by any person other than us or you.