Terms and Conditions of Use

This website refers to services provided by FNB International Private Clients (“FNBIPC”) which is a registered trading name  of Ashburton (Jersey) Limited, a company incorporated in Jersey with its registered office at PO Box 239, IFC1, The Esplanade, St Helier, Jersey JE4 8SJ, Channel Islands and is regulated by the Jersey Financial Services Commission.

In these Terms and Conditions “us”, “we” and “our” refer to FNB International Private Clients.

Important Information

These Terms cover the use of this Website (“Site”). All services and products offered by other members of the FirstRand Group have their own terms and conditions.

Any use of the Site is subject to these Terms and Conditions and any contrary use is unauthorised. Please read these Terms and 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 and Conditions.


We reserve 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, or the services referred to in this Site, without notice to you.


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. We advise you to confirm the accuracy of any information supplied before seeking to rely on such information.

We 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.

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

Investment Restrictions and Warnings

Services and/or products mentioned in this Site are subject to the legal requirements and regulations of the applicable jurisdiction and may not be available in all jurisdictions.

If you choose to enter a website outside your country of residence, you are advised that it may not be legal in that jurisdiction for you to access or use the services described in this Site. We will not be liable for any breach of local law or regulation that you may commit.

Our services are offered only in jurisdictions where and when it is lawful to do so. The information on this Site is therefore not intended for use by persons located in, or residents of, jurisdictions which restrict the distribution of this material, including without limitation the United States of America.

It should be noted that some of the services and products mentioned within this Site, and those provided by other members of the FirstRand Group or third parties that can be accessed via this Site, may not be suitable for you. You must therefore read product information carefully before entering into any contractual agreement.

Please remember that with investments the value of shares and the income from them may go down as well as up, is not guaranteed, and you could receive back less than you invested. This could also happen as a result of changes in the rate of currency exchange, particularly where overseas securities are held. Past performance is not necessarily a guide to future performance.

Information or opinions contained in this Site do not constitute an offer to sell or a solicitation or offer to buy any securities or financial instruments, or investment advice or any advice or recommendation thereto.

Third Party Relationships

We provide third party links for your convenience. We do not assume any responsibility for the content of such websites nor the services or products offered through them. Your use of these may be subject to different terms and conditions. You should therefore read them. We will never make your name or address available to unconnected parties.

We are not responsible for any link to this Site from the website of a third party.

E-mail and Telephone Calls

Although you may contact us 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 are recorded and may be monitored to ensure security for you and to help maintain our service quality.


The entire content of this Site is copyright material of FNBIPC 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 it functionality.

Waiver and Limitation of Liability

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

We make 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 meeting your requirements.

In no event shall we 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 it 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 (Five hundred pounds Sterling).

Data Protection and Privacy

You may access this Site without registering your details and we will therefore not record any of your personal information, however, we may identify and record your IP address. Your use of this Site is subject to our Privacy Policy which sets out the terms on which we process any personal data we collect from you or that you provide to us, in accordance with applicable legislation and the EU General Data protection Regulation (“GDPR”). Our Privacy Policy can be found here.


Upon entering this Site your computer will be automatically 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 (“IP” address) which is a unique number assigned to each computer connected to the Internet, the date, time and duration of your visit. We will only use cookies for the purpose of monitoring the use of this Site to help us to improve the Site and its performance. .

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.

Governing Law

These terms are governed by and construed in accordance with Jersey law.