Important information

This important legal information relates to this website (the "Site") and contains the terms and conditions on which we make it available to you. The information also includes important information about the regulatory status of some of our companies and important risk warnings. Please read this important information carefully.

• Risk Warnings
• Site Terms and Conditions
• Security
• Data protection
• Countries From Which You May Access This Site
• Compensation
• Complaints
• Contacting Us About This Site
• Important Company and Regulatory Information About Barclays Wealth Companies

Risk warnings

Not all products, services or investments described on this Site are available in all jurisdictions and some are available on a limited basis only, due to local regulatory and legal requirements.

Any investment information which may be provided on this Site is also provided for illustration only. No investment information on this Site should be construed as a solicitation or offer, or recommendation, to acquire or dispose of any investment or to engage in any other transaction.

Illustrations of the likely risk and reward properties of possible portfolios and investments on this Site are not specific advice about any investment and you should not rely on them. Any illustrations are accurate at the time of writing, and may be subject to change.

The recommendations made for your actual portfolio might differ from any asset allocation or strategies outlined on this Site. Please ensure that your portfolio is updated or redefined when your investment objectives or personal circumstances change.

The value of the investments which may be stated in this Site, and the income from them, may fall as well as rise. Past performance of investments is no guide to future performance. You may not get back the amount of capital you invest. Any income projections and yields are estimated and are included for indication only. Further, any valuations given in this Site may not accurately reflect the values at which investments may actually be bought or sold and no allowance has been made for taxation.

Data which may be found on this Site is based on quantitative research and analysis of historic data using current and proposed asset weightings and proprietary projections of expected returns and estimates of future volatility. Data does not reflect actual trading, liquidity constraints, fees and other costs. It should not be taken as a forecast or estimate of likely future returns. As illustrations do not take into account fees and commissions, or taxation, the actual performance of any investment might be more or less than is stated in any illustration.

Risk warnings are provided for your information and protection. We strongly encourage you to read them and to contact us if you have any questions about the features or risks of any investment or service.

Back to top

Risk warnings about borrowing

If a loan is denominated in a currency other than Sterling, changes in the exchange rate may increase the Sterling equivalent of the debt. For loans secured on property, the Barclays Group will require a first charge over the property. Your property may be repossessed if you do not keep up repayments on your mortgage.

As a responsible lender, we only want you to borrow what you can afford, and in a way that is best for you. When considering your application, your financial circumstances will be assessed before we make a decision to lend money. And remember, if you should run into any difficulties please contact us as soon as you become aware of them.

Back to top

Risk warnings about dealing with offices outside the UK

Rules and regulations for the protection of investors and/or deposits under the UK Financial Services and Markets Act 2000 may not apply to any business conducted from offices located outside of the UK and investors and/or depositors conducting business through our non-UK offices may not be able to benefit from the provisions of the UK Financial Services Compensation Scheme.

Back to top

Site terms and conditions

References to "you" or "your" are references to any person accessing the Site.

References to "we", "us" or "our" are references to Barclays Bank PLC.

References to "Barclays Group" are references to us, our parent company and any companies we or our parent company totally or partly own at any time.

These terms and conditions govern your use of the Site and by accessing the Site you agree to be bound by them. Please note that if you are an existing customer of the Barclays Group, or if you become a new customer of the Barclays Group, the products and services are subject to separate terms and conditions. For new customers those terms and conditions will be provided before you enter into a contractual relationship. For existing customers, an additional copy of those terms and conditions can be obtained from your usual relationship manager or service provider.

Back to top

Our liability to you

Save as otherwise provided 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, only to the extent it results from our breach of our duties or liabilities under the Financial Services and Markets Act 2000, 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.

We shall be liable to you for any loss you may suffer as a result of acts or omissions relating to any Site services which we have delegated to any of our agents in the same way as for our own acts. This means we will be liable to you for your loss only to the extent that such loss results from our or our agents’ negligence, wilful default of these terms and conditions or fraud. None of our agents shall be directly liable to you in any way.

This Site does not contain information which is intended to be investment, legal, tax or other advice. You should obtain relevant and specific professional advice tailored for your personal circumstances before making any investment decision.

Back to top

Availability of the site

We may modify, suspend or discontinue, temporarily or permanently, the Site or any part of it, with or without notice, at any time. You agree that we shall not be liable to you or to any third party for any losses of whatsoever nature howsoever arising for any such modification, suspension or discontinuance of the Site.

Back to top

Internet communications are not secure

Please remember that internet communications are not secure unless the data being sent is encrypted. We cannot accept any responsibility for the unauthorised access by a third party and/or the corruption of data being sent by individuals to the Barclays Group. Some countries prohibit transmission of encrypted data over telephone lines. You should not encrypt data transmitted if you know doing so would contravene applicable local, national or international laws. For guidance relating to your use of internet communications, please contact a legal adviser.

Back to top

Security

It has always been our policy that if any of our clients are victims of unauthorised access to their accounts we will cover any resulting financial loss which the client suffers provided that the client has not breached our security procedures.

You must ensure that viruses, trojans, worms or equivalent or similar items do not enter your computer system. We assume no responsibility for loss of whatever nature, howsoever arising, resulting from such viruses, trojans, worms or equivalent or similar items.

For further information and advice on security, please read our Security section.

Back to top

Data protection

By submitting any 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 will use information about you to inform you about products and services which may be of interest to you. You may ask us not to do this. Please read our Privacy Policy for more information.

Back to top

Hyperlinks

Where we provide hypertext links to third party internet websites, such links are not an endorsement by us of any products or services in such websites. You use such links entirely at your own risk and we accept no responsibility or liability of any nature whatsoever for the content, use or availability of such websites. We have not verified the truth or accuracy of any content of such websites.

No party is permitted to link any other website to this Site or frame or scrape the content of this Site without obtaining our prior written consent.

Back to top

Countries from which you may access this site

This Site is not directed to, nor intended for distribution or use by, any person or entity in any jurisdiction or country where the publication or availability of this Site or such distribution or use would be contrary to local law or regulation. You should not access the Site or information on this Site if you know that your access would contravene applicable local, national or international laws. For guidance on rules governing your use, please contact a legal adviser. In particular, but without limitation, this Site is not directed to, or intended for use by, residents of the United States, Japan, China, Malaysia, Taiwan or India.

Back to top

Terms may be changed

We may change these terms and conditions at any time without notice by updating this page and if you continue to access or use this Site we will consider that you have accepted any changes.

Back to top

Information on the site may not be accurate

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.

Back to top

Compensation

In the UK only, Barclays Bank PLC is covered by the Financial Services Compensation Scheme (see www.fscs.org.uk/ for further details).

Banking: Barclays Bank PLC is a member of the Financial Services Compensation Scheme established under the Financial Services and Markets Act 2000. In respect of deposits with a UK office, payments under the scheme are limited to 100% of the first £50,000 of a depositor’s total deposits with the bank. Most depositors, including individuals and small firms, are covered. The Scheme covers deposits made with the offices of the bank within the European Economic Area and deposits denominated in all currencies are treated alike.

Further details of the Scheme are available on request from the Financial Services Compensation Scheme, 7th Floor, Lloyds Chambers, Portsoken Street, London, E1 8BN. Helpline 020 7892 7300. Website www.fscs.org.uk

The scheme is not applicable to branches in the Isle of Man or the Channel Islands.

Investment: In the unlikely event that we are unable to meet our liabilities in respect of investment business, if you make a valid claim you may be entitled to redress from the Financial Services Compensation Scheme in respect of the investments that we arrange. This depends on the type of business and circumstances of the claim. Most type of investments business are covered for 100% of the first £30,000 and 90% of the next £20,000, so the maximum compensation is £48,000. Further information about compensation arrangements is available from the Financial Services Compensation Scheme.

Banking: Barclays Private Clients International (Gibraltar) Limited is a participant in the Gibraltar Deposit Guarantee Scheme ("The Scheme") established under the Deposit Guarantee Scheme Act 1997, in Gibraltar. Further information may be obtained on request or by visiting the following website: www.gdgb.gi

Banking: Barclays Private Clients International Limited places funds with other parts of its group and thus its financial standing is linked to that of the group. Depositors may wish to form their own view on the financial standing of Barclays Private Clients International Limited and the group based on publicly available information.

As a licensed Bank in Guernsey, Barclays Private Clients International Limited, Guernsey branch and Barclays Bank PLC, Guernsey branch are participants in the Guernsey Banking Deposit Compensation Scheme (the "Scheme") established by The Banking Deposit Compensation Scheme (Bailiwick of Guernsey) Ordinance, 2008 (the "Ordinance"). The following is a brief summary of the Scheme, but is not intended as a substitute for the actual wording of the Ordinance, a copy of which is available on request.

• The Scheme only applies to 'qualifying deposits', which broadly means deposits made by natural persons for their own benefit; with a few limited exceptions such as, for example, deposits made by trustees of retirement annuity trust schemes, the Scheme does not apply to companies, trusts, partnerships or charities.
• The Scheme will provide compensation in the event that a Licensed Bank is unable to repay its depositors. Payment will be made within 3 months of the Bank’s failure.
• Compensation is limited to a maximum of £50,000 per individual claimant; in the case of a joint account each depositor would be entitled.
• Total Scheme compensation in any five year period is limited to £100 million.  If this limit was exceeded, compensation would be reduced pro rata.
• The amount payable may be reduced if the Bank has any contractual right of set-off against the account. The Scheme is entitled to recover compensation from any funds subsequently paid out by the Bank.
• Further information and a leaflet about the Scheme is available at:
  www.dcs.gg
  Telephone:+44 (0) 1481 722756
  Post: P.O. Box 380, St Peter Port, GY1 3FY
  

Investing: Guernsey has a Compensation of Investors Scheme which provides protection to eligible investors when a compensation event occurs in class A schemes. There is no compensation scheme covering investors in class B schemes, class Q schemes or closed ended funds. A compensation event occurs whenever the Commission is satisfied that a scheme participant is in default, has an eligible liability to the investor and is unable, or likely to be unable, to meet that liability in whole or in part.

An investor’s application for compensation must be submitted to the Commission less than 6 months after the investor became aware, or ought reasonably to have become aware, of the default. The Commission may reduce the amount payable by way of compensation in certain circumstances.

The sum payable to an investor as compensation is limited as follows:

1. where the total amount of the defaulting participant’s liabilities to the investor does not exceed £50,000, the maximum payable is 90% of those liabilities;
2. where that total amount exceeds £50,000 but does not exceed £100,000, the maximum payable is £45,000 plus 30% of so much of that total amount as exceeds £50,000;
3. where that total amount exceeds £100,000, the maximum payable is £60,000;

The maximum amount which the Commission may determine should be paid by way of compensation, together with interest payable in any compensation year is the amount determined by the Commission as an amount which may be expected not to cause the total net compensation costs for that year to exceed £5,000,000.

Banking: Barclays Private Clients International Limited has its principal place of business at Barclays House, Victoria Street, Douglas, Isle of Man.

The paid-up capital and reserves of Barclays Private Clients International Limited exceed £650 million. Latest audited accounts available on request.

Please note: On death of a sole account holder, in addition to obtaining Letters of Representation in the country of domicile, it may also be necessary to obtain a Grant of Probate or Letters of Administration in the Isle of Man.

DEPOSITS MADE WITH THE ISLE OF MAN OFFICE OF BARCLAYS PRIVATE CLIENTS INTERNATIONAL LIMITED ARE COVERED BY THE DEPOSITORS COMPENSATION SCHEME CONTAINED IN THE COMPENSATION OF DEPOSITORS REGULATIONS 2008.

Each depositor’s sterling deposits, or the equivalent of foreign currency deposits, are protected as to 100% of the eligible protected deposit subject to a maximum of £50,000 subject to those conditions set out in the Compensation of Depositors Regulations 2008. Separate deposits in the same ownership will be aggregated for compensation purposes. The Depositors Compensation Scheme is managed on behalf of the Isle of Man Government by the Financial Supervision Commission.

Banking: Barclays Private Clients International Limited has its principal business address in Jersey at 13 Library Place, St. Helier, Jersey.

Retail deposits held by private individuals and Charities with Jersey banks regulated by the Jersey Financial Services Commission are protected under the Depositors Compensation Scheme (DCS). The DCS will pay compensation to depositors up to a maximum of £50,000 per depositor per Jersey banking group. The first £5,000 of a claim within 7 working days and the balance within 3 months of receiving a valid claim. Depositors with deposits above the £50,000 limit may also be eligible to receive a proportion of any higher balance from the liquidation of the failed bank.

Please note: On death of a sole account holder, in addition to obtaining either Letters of Representation in the country of domicile, it may also be necessary to obtain similar in Jersey.

Separate deposits in the same ownership will be aggregated for compensation purposes.

Companies, trusts, partnerships and charities are not covered by the DCS.

Back to top

Accounts

Our latest audited accounts are available on request.

Back to top

Complaints

You may have a right to complain to the Financial Services Authority (FSA) or the Financial Ombudsman Service. You may complain in person, in writing, by post or e-mail. To obtain a copy of our complaints handling procedures or to make a compliant, please see our contact details below.

You can contact the Financial Services Ombudsman by post at South Quay Plaza, 183 Marsh Wall, London, E14 9SR or by telephone: 0845 080 1800 or by emailing enquiries@financial-ombudsman.org.uk. Alternatively you can visit the website at: www.financial-ombudsman.org.uk/.

Back to top

Law and where any dispute would take place

The laws of England and Wales govern the use of this Site and these terms and conditions and you agree that, the Courts of the United Kingdom shall have jurisdiction to determine any matter or dispute in connection with or arising out of this Site and these terms and conditions.

Back to top

Intellectual property

The entire content of the Site is subject to copyright with all rights reserved and it may only be stored, held or used for your personal use only. You may not download (all or in part) for non-personal use or otherwise reproduce, transmit or modify the Site without our prior permission. However, you may print out part or all of the Site for your own personal use.

These permissions are revocable by us at any time. Barclays and Barclays Wealth are registered trade marks owned by Barclays Bank PLC. You are granted a non-exclusive licence of those rights in order to view this site on a non-commercial basis only, revocable at any time.

Back to top

Contacting us about this site

If you have any questions or comments about this Site, the Site terms and conditions, the risk warnings or our Privacy Policy, please contact us by sending a letter to Barclays Wealth, PO Box 9, Barclays House, Victoria Street, Douglas, Isle of Man, IM99 1AJ, British Isles or email us at correspondence@barclayswealth.com.

Back to top

Severability

If any provision in these terms and conditions shall be held to be illegal, invalid or unenforceable, in whole or in part, then such provision or part of it shall, to the extent that it is illegal, invalid or unenforceable, be deemed not to form part of these terms and conditions and the legality, validity and enforceability of the remainder of these terms and conditions shall not be affected.

Important company and regulatory information about Barclays Wealth companies

The information contained within this Site is provided by Barclays Bank PLC, a limited company registered in England and authorised and regulated by the Financial Services Authority. Registered No: 1026167. Registered Office: 1 Churchill Place, London E14 5HP.

The information provided by Barclays Bank PLC on this Site relates to various products, some of which are provided by the following members of the Barclays Group:

• Barclays Private Clients International Limited is licensed by the Isle of Man Financial Supervision Commission for banking and investment business. Registered in the Isle of Man. (Registered Number. 5619. Registered VAT No GB243582262. Registered Office Barclays House, Victoria Street, Douglas, Isle of Man, IM99 1AJ)
• Barclays Private Clients International (Gibraltar) Limited is regulated and authorised by the Gibraltar Financial Services Commission to conduct banking and investment business. Registered in Gibraltar. (Registered number: 39577. Registered office: 84/90 Main Street, Gibraltar.) Ultimate holding Company: Barclays Bank PLC. Registered in England. Authorised and regulated by the Financial Services Authority. (Registered number 1026167. Registered Office: 1 Churchill Place, London E14 5HP)
• Barclays Private Bank & Trust (Isle of Man) Limited is licensed by the Isle of Man Financial Supervision Commission for Banking, Investment and Corporate Service Provider business. Registered in the Isle of Man. (Registered number: 1478. Registered VAT No GB243582262. Registered Office 4th Floor, Queen Victoria House, Victoria Street, Douglas, IM99 1DF, Isle of Man)
• Barclays Private Bank & Trust Limited is regulated by the Jersey Financial Services Commission for the conduct of banking business under the Banking Business (Jersey) Law 1991, and for the conduct of investment and trust company business under the Financial Services (Jersey) Law 1998. Registered in Jersey. (Registered number: 6056. Registered Office 39/41 Broad Street, St. Helier, Jersey JE4 8PU, Channel Islands)
• Barclays International Fund Managers Limited is regulated by the Jersey Financial Services Commission for the conduct of investment business under the Financial Services (Jersey) Law 1998. Registered in Jersey. (Registered number: 50669 Registered Office: 39-41 Broad Street, St Helier, Jersey, JE2 3RR, Channel Islands)

Back to top