Legal Information

FNBIT Registration No. 3080

Licensed by the Guernsey Financial Services Commission to conduct Fiduciary Business.

FNBIT is a member of the FirstRand Group.

No responsibility is accepted for any errors which, despite precautions, may be found in this website. The information contained herein is subject to changes of law. It is essential that, before proceeding, advice on individual tax and estate planning is obtained in the client’s country of residence and/or domicile.

TERMS & CONDITIONS OF USE

Important Information

Any use of this web site is subject to these Terms & Conditions and any contrary use is unauthorised. Please read these Terms & Conditions carefully and note that they may be revised at any time and that your subsequent and any continued use of this site constitutes your continued acceptance of any such revised Terms & Conditions.

Access

FNBIT reserves the right to terminate or restrict your access to this Site for any or no reason, at any time and without notice. We may also at any time amend or remove any content of this site without notice to you.

Your access will be monitored and in order to improve our service to you, we will occasionally use a “cookie”. A cookie is data that our web server sends to your web browser when you visit certain parts of our site. The cookie’s main objective is to identify you and to personalise your visit by customising your web pages.

Accuracy

Although this site and its content have been compiled with considerable care, it may not be accurate or complete. It may also include technical errors from time to time which are beyond our control. FNBIT advise you to confirm the accuracy of any information supplied before seeking to rely on such information.

FNBIT shall have no liability for any data transmission errors such as data loss or damage or alterations of any kind arising out of the use of this site.

Opinions expressed are made at the time of writing and are subject to change without notice.

Investment Restrictions and Warnings

Products or services mentioned in this site are subject to the legal requirements and regulations of the applicable jurisdiction. They may not be available in all jurisdictions. This website is not aimed at, nor an offer to buy or sell investment funds, in any jurisdiction (including without limitation the United States of America) other than those set out in the relevant prospectus of a fund.

The value of investments and the income derived from them may fluctuate and you may not receive back the amount originally invested. Past performance is no guarantee of future performance. Currency movements may also affect the value of investments. The investments [and the investment services] referred to on this site may not be suitable for all investors.

The information in this site is limited to general information about FNBIT. It does not constitute individual investment advice. Should you wish to seek financial advice, please contact an Independent Financial Adviser. Investments in any fund promoted by FNBIT must be made pursuant to and in accordance with its prospectus.

Data Protection and Privacy Policy

Information provided by you will be held in confidence FNBIT and will not be passed on by FNBIT to other product or service company’s other than those associated with FNBIT or of its holding company. By accepting these terms and conditions, you are confirming that your details may be used by FNBIT or any entity associated with it or its holding company to send you information on other products and services that they offer. If you prefer not to receive such information, please contact FNBIT. You have the right to obtain a copy of any information held about you.

Third Party Relationships

We provide third party links for your convenience. FNBIT do not assume any responsibility for the content of such websites nor the services or products offered through them. We will never make your name or address available to unconnected parties.

E-Mail

Although you may contact FNBIT by e-mail regarding any queries as to the information on this site, we advise that confidential information sent by e-mail may not be secure. You can visit us in person or contact us via telephone in regards to confidential information. When we contact you by telephone or when you telephone us, calls may be recorded and may be monitored to ensure security for you and to help maintain our service quality.

Copyright

The entire content of this website is copyright material of FNBIT unless otherwise indicated. This site is purely for browsing purposes and you may copy information from this site for your own private or domestic use. All other copying is prohibited.

You must not at any time interfere with or violate the security of this site or use this site in a manner which adversely affects its functionality.

Waiver and Limitation of Liability

This site and all site materials are provided on an “as is” and “as available” basis.

FNBIT makes no representations or warranties of any kind, whether express or implied. By using this site, you assume any and all risks that this site and any content on it may be incomplete, inaccurate, out of date or not meet your requirements.

In no event shall FNBIT be liable for any direct, indirect, punitive, incidental, special or consequential damages arising out of or in any way connected with the use of this site or any information that is contains. Should the law of a particular jurisdiction not allow the exclusion or limitation of liability for any type of damages then our maximum liability for any type of damages shall be limited to £500.00.

Privacy Statement

General

All personal information obtained by FNBIT on or through this website is processed in accordance with the Data Protection (Bailiwick of Guernsey) Law, 2001.

Personal Data

Please do not send us any personal data if you object to that information being processed by us in the ways described below.

No personal or sensitive data will be used other than for the purpose for which they were originally obtained and all personal data shall be processed fairly and lawfully. FNBIT may process your information in accordance with the regulatory and/or legal requirements placed on it by any authority to which it is subject. 

Client Database

Should you contact us via this website, your contact details may be added to our client database. Information provided by you will be held in confidence by FNBIT and will not be passed on by FNBIT to other product or service company’s other than those associated with FNBIT or of its holding company. By accepting these terms and conditions, you are confirming that your details may be used by FNBIT or any entity associated with it or its holding company to send you information on other products and services that they offer. If you prefer not to receive such information, please contact FNBIT. You have the right to obtain a copy of any information held about you.

If you do not wish to be included in the client database, please notify us at the following address:

FNBIT
P.O. Box 602
La Plaiderie House
St. Peter Port
Guernsey
GY1 4NL

Alternatively you can email us at enquiries@fnbit.com

Please mark all correspondence in this respect for the attention of the Data Protection Officer.

Right of Access to Personal Data

You may request and receive copies of any personal data that FNBIT may hold about you. Should you wish at any time to receive a copy of this information, please contact the Data Protection Officer at the above address. Any such request should be in writing and should clearly identify who you are.

Right of Rectification or Erasure

You may request that any inaccuracies in the data we hold about you be corrected, and that any personal data that we hold about you, which we do not have a legitimate reason to retain, be erased.

Cookies

Upon entering the FNBIT website your computer will automatically be issued with a Cookie. This is a file that identifies your computer (but not your individual identity) to our server. The information we obtain may include your Internet Protocol or "IP" address (a unique number assigned to each computer connected to the internet), the date, time and duration of your visit. FNBIT will only use Cookies for the purpose of monitoring the use of its website and may update the website accordingly to make it more user-friendly.

Right to Refuse Cookies

You have the option to deactivate Cookies within your Internet settings. The procedure for doing so will vary depending on the system you are operating. By way of example, if you are using Internet Explorer 6.0 to browse the internet, you may deactivate Cookies by selecting 'Tools', 'Internet Options', choosing the 'Privacy' tab, clicking on 'Advanced', checking the 'Override Automatic Cookie Handling' box, and choosing 'Block' or 'Prompt' as appropriate.

Accuracy and Completeness of Data

FNBIT endeavours to ensure that all data held are accurate, complete and up-to-date. We shall hold no more data than are necessary for the purpose for which we hold them. It is our policy to review from time-to-time these data and delete those, which are no longer necessary.

Amendment to Privacy Statement

FNBIT reserves the right to amend this privacy statement at any time without notice. It is therefore recommended that it be viewed on a regular basis in order to monitor any such changes.

Acceptance of Privacy Statement

By using the FNBIT website you are accepting the terms of this privacy statement. Should you not agree to any of these terms then you should not continue to use the website.

FNBIT is a part of the FirstRand Group of companies.