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Citi International Personal Bank is committed to making its terms and conditions and other important information clear and transparent.
You can find details below of legal and regulatory information about us, our products and services, our approach to privacy, security, and terms and conditions for internet banking.
Please take some time to read through the information in this section carefully and contact us if you would like further explanation.
These terms and conditions apply to all users (“you" or “your") of the Citi International Personal Bank (“we" “us" “Citi") website ("the Site") and you understand that by accessing this Site you agree to be bound by them. Please note that the products and services provided by Citi are subject to separate terms and conditions. Citi is a brand name of Citibank N.A.,, which incorporates the London and Jersey branch.
Unless specifically stated otherwise in these terms and conditions, we shall be liable to you for loss you may suffer in respect of the Site and any information on it, or in connection with the access of, use of, performance of, browsing in or linking to other sites from this Site or your use or inability to use the Site where your loss results from our breach of our duties or liabilities under the Financial Services and Markets Act 2000, negligence, wilful default of these terms and conditions, or fraud.
To the fullest extent permitted by law, we will accept no liability (whether in contract, tort or otherwise) in any other circumstances for loss of any kind, including (without limitation) direct, indirect, incidental, special or consequential damages, loss of any profit, goodwill or reputation, expenses or losses arising out of, or in connection with any error, omission, defect, computer virus or system failure, of whatever nature howsoever arising, even if expressly advised of the possibility of such loss or damages.
Although we have taken all reasonable care to ensure that the information provided on this Site is accurate, we give no warranties of any kind, express or implied, with regard to the accuracy, timeliness or completeness of any such information.
This Site may also contain some material provided by third parties and we accept no responsibility or liability for the accuracy of such material, whether in contract, tort or otherwise.
Opinions and any other content of the Site are provided by us for your personal use and informational purposes only. They are subject to change without notice.
This Site does not contain information that is intended to be investment, legal, tax or other advice and should not be relied upon in making any investment or other decision. You should obtain relevant and specific professional advice before making any investment decisions.
We may for any valid reason alter the contents of, suspend or terminate access to the Site. We will use all reasonable efforts to ensure that all information on the Site is accurate and up to date. However no representations or warranties are given as to the reliability, accuracy and completeness of such information and you agree that we shall not be liable to you or any third party for any losses of whatever nature howsoever arising from any modification, suspension or discontinuation of the Site.
This Site is not intended for distribution to, or use by, any person in any country where such distribution or use would be contrary to local law or regulation. None of the services or investments referred to in this Site are available to persons resident in any country where the provision of such services or investments would be contrary to local law or regulation. It is your responsibility to inform yourself about and observe any relevant local restrictions. In particular, the information contained on this Site is not directed at persons resident in the USA.
From time to time we may provide hyperlinks on this Site that may lead to websites maintained by third parties over which we have no control. The material on these websites has been produced by independent providers, which are not affiliated with Citi. Any opinions or recommendations expressed on third party sites are solely those of the independent providers, not of Citi. Any links to third party sites are provided solely as a convenience to you and at your own risk and we do not guarantee or give any warranty with respect to the information contained on such third party sites or sites linked to such sites. You agree that we shall not be liable for any losses of whatever nature arising from your reliance upon such information. We will make you aware when you are about to access these links and it will be your sole choice and at your own risk to proceed and access the link.
The content of this Site is the property of Citibank N.A., and/or its licensors and is protected by copyright and other intellectual property laws. It may be displayed, reformatted and printed for your personal, non-commercial use only. In using this Site you agree not to reproduce, retransmit or distribute the content of this Site to anyone without the prior written consent of Citibank N.A.,
CITI, CITI and Arc Design, CITIBANK and CITIGROUP are trademarks and service marks of Citicorp and are used and registered throughout the world. Citibank N.A.,, Citigroup Inc. and their subsidiaries also claim rights in certain other trademarks and service marks contained in these web pages.
Messages sent over the Internet cannot be guaranteed to be completely secure as they are subject to possible interception or loss or possible alteration. Citi is not responsible for them and will not be liable to you or anyone else for any damages or otherwise in connection with any message sent by you to Citi or any message sent by Citi to you over the Internet.
By submitting your personal information to us on this Site, you specifically confirm that you have read, understood and agreed to our obtaining, processing and disclosing personal and financial information relating to you solely for the purposes detailed in and otherwise in accordance with our Privacy Policy and in these terms and conditions.
We may record and monitor calls made or received by us to maintain high quality service standards, to check instructions and for your protection and ours.
We may use the information submitted by you to contact you regarding Citi products and services, only with your consent. To do this we may have to transfer your data to countries outside the European Economic Area (EEA) including the USA. You understand that countries outside the EEA may not provide the levels of data protection as countries inside the EEA. However all data is held in accordance with our Privacy Policy and Terms of Business, which are available for you to read on our Site.
If at any time you do not wish us to continue to contact you, please let us know.
The laws of England and Wales govern the use of this Site and these terms and you agree that the Courts of England and Wales shall have jurisdiction on any matter or dispute in connection with or arising out of this Site and these terms and conditions.
Not all of our products and services are available from all the jurisdictions in which we operate. Banking and investment services are made available through Citi licensed branches in London and Jersey and the investment and banking services offered are limited to those which the relevant Citi branch has appropriate regulatory approvals to offer. Please note that Jersey and London have different legal, tax and regulatory rules (including different rules on investor protection). Clients considering these centres should seek independent advice as to which centre would be appropriate for their particular circumstances.
Citibank N.A., Jersey Branch is a member of the Depositors Compensation Scheme as set out in the Banking (Depositors Compensation)(Jersey) Regulations 2009.
The UK Financial Services Compensation Scheme (the "Scheme") provides compensation in certain instances where Citibank N.A., London Branch or Citibank International Plc is unable, or likely to be unable, to satisfy protected claims against it. In such circumstances, the Scheme may provide compensation for claims relating to various services provided by Citibank N.A., London Branch or Citibank International Plc such as deposit-taking and investment business. However, the Scheme is governed by specific rules on compensation which determine your eligibility, the circumstances in which compensation will be available to you, and the limits on compensation payable to you. Any recovery under the Scheme is therefore subject to your specific circumstances, the nature of your claim and the specific rules of the Scheme.
Claims under the Scheme in relation to deposits and investment business are subject to maximum limits on compensation, as published from time to time on the FSCS website. It is not possible to claim an amount in excess of the published limit even where the financial loss suffered or the amount of initial deposit or investment is higher. The current compensation limit for deposits as at January 2009 is set at 100% of the first £50,000 per client per authorised firm. The current limit for investment business as at January 2009 is set at £48,000 per client per authorised firm (100% of the first £30,000 and 90% of the next £20,000). Up-to-date information on the limits applicable under the Scheme is available at: www.fscs.org.uk.
We will provide further information on the conditions governing compensation and the formalities which must be completed to obtain compensation upon request. More detailed information on the Scheme is also available from the Scheme's website: www.fscs.org.uk or you can contact the Scheme at 7th Floor, Lloyds Chambers, Portsoken Street , London E1 8BN (Tel: 020 7892 7300; E-mail: enquiries@fscs.org.uk).
Depositors with Citibank N.A., London branch and/or Jersey branch or Citibank International Plc are not entitled to compensation from the compensation scheme administered by the US Federal Deposit Insurance Corporation (FDIC).
Prospective investors are advised that investment products carry risks. The risks outlined in this site are not intended to be a complete list of all risks and considerations relevant to our investment products or your decision to purchase. Before purchase, you will be made aware of the risks associated with your product.
Investments are not bank deposits, and are neither obligations of, nor guaranteed by, Citigroup, or any of its affiliates, unless otherwise stated. They are subject to investment risks, including possible loss of the principal amount invested. Past performance is not indicative of future results; investments can go down as well as up. This means you might get back less than you invested. Stock market investments should be viewed as a medium-term to long-term investment (at least five years).
Changes in rates of foreign exchange may cause the value of investments to go up or down. Investors investing in investment products denominated in non-local currency may be subject to risk of exchange rate fluctuations if the investment is not in your home currency, which could result in loss of principal if converted back to your home currency.
All credit will be subject to the legislation enforceable in the jurisdiction in which it has been granted. Citi credit facilities are only available to those individuals who are of the legal age of majority. Written quotations are available on request. All credit facilities are subject to status, terms and conditions and repayable on demand. Interest rates are variable.
Citibank N.A., London Branch is authorised and regulated by the Financial Services Authority (FSA) with reference number 124704. Citibank International Plc is authorised and regulated by the FSA with reference number 122342. Citibank N.A., Jersey Branch, is regulated by the Jersey Financial Services Commission under the Financial Services (Jersey) Law 1998 for the conduct of investment business and under the Banking Business (Jersey) Law 1991 for the conduct of deposit taking business. Registered number 21100. Citibank N.A., Jersey Branch is a member of the Depositors Compensation Scheme as set out in the Banking (Depositors Compensation) (Jersey) Regulations 2009. Further details of the scheme are available on request. Citibank N.A., and Citibank International Plc are licensed by the Office of Fair Trading with license numbers 0001486 and 0482552 respectively to extend credit under the Consumer Credit Act 2006. Citibank N.A., London Branch is registered as a branch in the UK at Citigroup Centre, Canada Square, Canary Wharf, London E14 5LB. Registered number BR001018. Citibank N.A., Jersey Branch has its registered office at PO Box 104, 38 Esplanade, St Helier, Jersey JE4 8QB. Citibank International Plc has its registered office at Citigroup Centre, Canada Square, Canary Wharf, London E14 5LB Citibank N.A., is incorporated with limited liability in the USA. Head office: 399 Park Avenue, New York, NY 10043, U.S.A. © 2010 Citibank N.A., Citibank and Arc Design is a service mark of Citibank N.A., or Citigroup. Citibank, Citibank Online and Citi International Personal Bank (Citi) are registered service marks of Citibank N.A., or Citigroup. Citi is a business division of Citibank N.A., Calls may be monitored or recorded for training and service quality purposes.
Your privacy is very important to us
Our goal is to maintain your trust and confidence when handling personal information about you.
As a Citi client (including applicants), you have the opportunity to make choices about how personal information about you may be shared. As you consider this, we encourage you to make choices that enable us to provide you with quality products and services in connection with your financial needs and objectives.
The security of personal information about you is our priority. We protect this information by maintaining physical, electronic, and procedural safeguards that meet or exceed applicable law. We train our employees in the proper handling of personal information. When we use other companies to provide services for us, we require them to protect the confidentiality of personal information they receive.
We collect information from you, from others, and from your transactions.
We use information about you to manage the relationship with you, manage your accounts and offer you other products and services.
We share information about you with the Citi family of global companies, our services providers, credit bureaus and in connection with our legal and regulatory obligations.
We use information collected from our website to facilitate your access to our website.
Further detail is provided at the time of your application and in the General Terms and Conditions in connection with your relationship with us.
To exercise these rights please contact the Data Protection Officer:
Citi International Personal Bank, London:
Data Protection Officer
Level 19, Citigroup Centre
25 Canada Square
London E14 5LB
United Kingdom
Citi International Personal Bank, Jersey:
Data Protection Officer
38 The Esplanade
St Helier
Jersey
JE4 5WQ
The Channel Islands
This section explains our policy regarding any personal information you might supply to us when you visit this site. Our goal is to protect your information on the Internet in the same way that we protect it in all the other ways we interact with you: in branches, at ATMs, and on the phone.
You can visit this site and find out about our products and services, read our Corporate reports, check on career opportunities, or use other value-added services without giving us any information about yourself.
In order to provide better service or to address security hazards, we will occasionally use a "cookie". A cookie is a piece of information which a web server may place on your computer when you visit a website. Cookies are commonly used by websites to improve the user experience and have not been known to transmit computer viruses or otherwise harm your computer. None will contain information that will enable anyone to contact you via telephone, e-mail, or any other means.
Many cookies last only through a single session, or visit. Others may have an expiration date, or may remain on your computer until you delete them. You can set up your Web browser to inform you when cookies are set or to prevent cookies from being set, for example, in Microsoft Internet Explorer, from the menu select Tools, Internet Options and Privacy. However, if you choose to reject cookies, you will not be able to use our online services or website features.
We use cookies for a number of purposes - for example, to maintain continuity during a user session, and to gather data about the usage of our website for research and other purposes. Our cookies will track only your activity relating to our online promotions, which may be located at our website or the websites of others. They will not track your other Internet activity. Our cookies typically do not gather personally identifiable information. However, if your web browser is set to accept cookies, we may combine our cookie data with personally identifiable information which you provide to us (such as your email address), so that you may receive marketing offers specifically suited to your needs. Please note that in order for you to use Citibank Online, your browsers cookie exchange feature must be enabled.
We occasionally use other companies to set cookies on our websites and gather cookie information for us. However, these companies may only use the information they gather for our purposes in accordance with the terms of the contract they have signed with us.
We have gone to extraordinary lengths to ensure that your transactions with Citibank Online are completely secure, so that your account is safe. Our security features use the very latest technology and processes.
Citi currently offers 3 levels of security to help safeguard your financial information - these are described below:
All data sent to and from Citi is 'scrambled' and 'resembled' between Citi and your personal computer to protect your personal and financial information. Your PIN does not travel on the Internet during login authentication, and the session is Triple DES encrypted. Hence nobody can intercept your PIN while you are using Citibank Online.
Your password must be entered every time you sign on to Citibank Online. Remember, always keep your password and PIN confidential.
There is a security feature intentionally built-in to the system. When there is no activity for reasonable time, Citi will terminate your secure Citibank Online session to help protect against unauthorised access.
Additionally, Citi also ensures security of your banking account and ATM/debit card by using a Fraud Early Warning System (FEWS). We use our worldwide experience and technology to provide you the safest services.
Some simple steps you can take to ensure your security – we recommend you print these tips and keep them handy.
3 key tips to remember:
Additional security tips:
1.1. Please read these terms and conditions carefully as they explain Your rights and responsibilities and those of Citi International Personal Bank in respect of Your use of Citi's Internet Banking Service ("the Service"). These Terms and Conditions incorporate the General Terms and Conditions of the Citi centre where You hold Your account and the Citi Website terms and conditions of use. If there are any differences between them, these Terms and Conditions override those other terms and conditions to the extent applicable. You understand that by using any aspect of the Service You agree to be bound by these terms and conditions.
1.2. In these terms and conditions "You", "Your" and "Yours" are references to the person requesting the Service and "We" "Us" and "Our" are references to the Citi centre where Your account is held.
1.3. The Service will allow You to give Us electronic instructions by using Your PC and your chosen username, password, confirmation question answer and challenge question answers. The instructions that can be given in this way are set out in "Tell Me More About Internet Banking" (the Guide), which also forms part of these Terms and Conditions.
1.4. You can use the Service 24 hours a day and We will endeavour to carry out Your instructions promptly. If you ask us to carry out a transaction after 5pm (or on a day We are not usually open) the transaction will not go ahead until the next business day (this is Monday to Friday excluding bank holidays).
1.5. You must not use the Service to give any instructions on an Account unless You have sufficient funds in that Account.
1.6. If You want to use the Service, You must have (a) a Citi International Personal Bank Debit or ATM card and PIN (b) a PC (c) access to the Internet (d) a browser that supports 128 bit encryption and (e) a modem. You are responsible for providing the PC and modem and connecting the PC to the public telephone service. You will be responsible for the costs of using the telephone service and/or the charges made by any Internet Service Provider. We make no promises or provide any warranties with respect to either the speed or the resolution, or access to the Service.
1.7. The Service can only be accessed through browsers with 128 bit encryption capabilities. The use of such levels of encryption may be considered illegal in some jurisdictions. It is Your responsibility to ensure that Your ability to use the Service is permitted by the law applicable to where you use the Service. We shall not be liable for any loss or damage suffered by You as a result of not being able to use the Service in these jurisdictions.
1.8. We reserve the right to charge a monthly service charge for using the Service. If we exercise this right, we will give at least 30 days notice before We do so.
2.1. You must take precautions to prevent the disclosure and unauthorised use of Your password. For example:
2.1.1. Never write or otherwise record Your password in a way that can be understood by someone else;
2.1.2. Avoid passwords which may be easy to guess such as birthdays and telephone numbers;
2.1.3. Never record Your password on any software which retains it automatically, for example any 'save password' feature on Your Internet browser.
2.2. Once You have logged on to the Service, You must not at any time leave the Service or let anyone else use the Internet terminal until You have logged off the Service. You will be responsible for ensuring that You have logged off the Service at the end of each session.
2.3. You must not access the Service from any computer connected to a local area network (LAN) or any public internet access device or access point without making sure that no one else will be able to observe or copy Your access or get access to the Service pretending to be You.
2.4. You must tell us immediately of any unauthorised access to the Service or any unauthorised transaction or instruction which You know of or suspect, or if You suspect that someone knows Your password. You can do this by contacting your Relationship Manager or by calling +44 (0) 20 7986 5888. We would expect You to co-operate with Us and with the police in any investigation. We may also disclose information about You or Your account to the police or other third parties if We think it will help prevent or recover losses.
2.5. You agree to check carefully Your records of transactions and statements of accounts and inform us immediately of any discrepancy.
3.1. You instruct us to comply with any instructions given to Us through use of the Service. If We are given those instructions by means of a PC and Your username and password We shall be entitled to assume that those instructions are given by You.
3.2. We may refuse to act on an instruction, for example if We know or suspect a breach of security or if We deem that the instruction is not accurate and complete.
3.3. We may suspend the Service or any part of it without notice where We consider it necessary to do so, for example where there is a suspected breach of security or to carry out maintenance to the Service. We will inform You through the Service or website if the Service or any part of it becomes unavailable.
3.4. We will make all reasonable efforts to modify, not process or delay processing any instruction where You request Us not to do so, but We shall not be liable for any failure to comply with such a request.
3.5. You must make sure that any instruction is accurate and complete and We are not liable if this is not the case.
3.6. A transaction being carried out is not always simultaneous with an instruction being given. Some transactions may take time to process and may only be processed during normal banking hours even though the Service may be accessible outside such hours.
3.7. You accept that for any instruction You send relating to mutual funds or other investment products, it is Your responsibility to ensure that the instruction complies with the product terms agreed by You and that any instruction is subject to all such product terms.
3.8. For the purposes of these terms and conditions product terms means any documentation, including, without limitation, terms and conditions, Key Features Documents, prospectuses or scheme particulars governing the investment product. In the event of any conflict between these terms and conditions and any product terms, these terms and conditions shall prevail in respect of instructions relating to investment products unless expressly provided otherwise.
4.1. We will refund You the amount of any transaction carried out in accordance with Your instructions where Your password has been used without Your authority, unless 4.2 below applies.
4.2. Your liability will be unlimited for any loss from use of Your password by any person who acquired possession of it with Your consent, or if You have acted fraudulently or with gross negligence. For example You may be deemed to have acted with gross negligence if You fail to follow the safeguards set out in 2.1 above.
5.1. The Guide is available on-line and it and any updates to it are part of this agreement. We recommend that you read the Guide and familiarise Yourself with its contents before first using the Service. You must comply with the procedures set out in the Guide that We give You. We can reasonably vary or replace the Guide. You understand that entering Your password as described in the Guide shall be sufficient confirmation of the authenticity of any instructions given on that occasion.
6.1. We agree to make reasonable efforts to ensure full performance of the Service. We will not be liable for any failure to provide the Service or to comply with these Terms and Conditions for any cause that is beyond Our reasonable control. We will not be liable for any losses or delays in the transmission of instructions caused by any Internet Service Provider or by software failure or for any indirect or consequential loss You suffer as a result of this Service.
7.1. We may pass information to other Citigroup organisations and third party organisations where it is reasonably necessary to do so for processing Your instructions with Us or them or to enable them to provide other services to You. To do this, We may have to transfer Your information to countries outside the European Economic Area (EEA) including the USA. You understand that countries outside the EEA may not provide the same levels of data protection as countries inside the EEA. However, all data is held in accordance with our Privacy Policy, which is available for You to read on Our website.
7.2. You understand that We, or any third party to whom We have transmitted information about Your information, will be required to disclose this information if legally compelled to do so.
8.1. We may for any valid reason alter, suspend or terminate (a) the Service or (b) Your right to use the Service without giving You notice beforehand, if We do so We shall inform You promptly. We shall not be liable to You for doing this.
8.2. We may for any valid reason vary these Terms and Conditions. We will send You details about changes either by e-mail, or in writing, or by advertisement, or by secure message, or notice within Online Banking. We will normally give you reasonable notice before any changes take effect unless it is not practical to do so, in which case we will tell you as soon as we can after the changes have taken place.
8.3. All notices and advices to be given by us to You under the Service may be given electronically or in writing to You at the mailing address We have in Our records. Where more than one of You are named as Account Holders, notice to one of You will be sufficient notice to all of You. All such notices and advices will be deemed to be received by You in the case of posting 5 days from dispatch to the last address provided by You, and in the case of notification by the Service 5 days from the posting of the notice or advice on the Service.
8.4. We have taken all reasonable steps to ensure that e-mail and other transmissions passing over the Internet remain confidential and not interfered with. However We cannot completely guarantee the privacy or confidentiality of any information passing over the Internet or that it will not be interfered with and by using the Service You are prepared to give Us instructions on that basis.
8.5. We may at any time appoint one or more agents to provide all or part of the Service and references to 'We', 'Us' or 'Our' will include references to such agents.
8.6. If any part of these terms and conditions prove to be unenforceable in any way, this will not affect the validity of the remaining terms in any way and any relaxation by us of any of the terms and conditions does not affect our right to enforce them strictly at any time.
You will not be able to login to Internet Banking unless you accept the terms and conditions.
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