Terms and Conditions

NEDBANK PRIVATE WEALTH

FOCUS ACCOUNT

ONLINE WEALTH SERVICES AND MOBILE APP SERVICES

Table of Contents

  1. Introduction
  2. Who we are and what we do
  3. Online Wealth Services and Mobile App Services
  4. Registering for our Online Wealth Services and/or Mobile App Services
  5. Using the Mobile App Services
  6. Accessing our Online Wealth Services or our Mobile App Services
  7. Making transfers and payments
  8. Keeping your Focus Account and information safe
  9. Charges
  10. Restrictions on the use of our Online Wealth Services or Mobile App Services abroad
  11. Privacy Policy
  12. Changes we can make to these Terms
  13. If things go wrong
  14. Suspending or terminating the Online Wealth Services or the Mobile App Services
  15. Data retention
  16. Complaints
  17. Governing Law

Annexure 1Definitions


These Terms apply to all clients who use our Online Wealth Services and/or our Mobile App Services.

  1. Introduction

    1. These Terms set out the terms and conditions on which we agree to provide you with and you may use our Online Wealth Services and/or our Mobile App Services. You can ask us for a copy of the Terms at any time.
    2. Where a word or expression used in the Terms is in bold, it indicates that it has a special meaning, and these are explained in the definitions in Annexure 1.
    3. These Terms, together with the Focus Terms and your Online Wealth Services and Mobile Application Form and/or the Account Application (as applicable), form part of your agreement with us. If there is a conflict between these Terms and the Focus Terms, the Focus Terms will prevail.
    4. You should read these Terms together with the Focus Terms carefully as they also apply as part of the Agreement and contain important information about what you can expect from us and what we will ask you to do when you use our Online Wealth Services and/or our Mobile App Services.
    5. Some of the Terms in this document will only apply to our Online Wealth Services and some of the Terms will only apply to our Mobile App Services. We have explained this at the start of the relevant Term. This means that how the Terms apply to you will depend on whether you use one or both of our Online Wealth Services and our Mobile App Services.
    6. Unless the Terms expressly tell you otherwise, these Terms do not change the Focus Terms that apply to the Banking Services and Investment Services we provide to you through your Focus Account.
    7. Where we have asked you to tell us something “in writing”, this includes email unless specified to the contrary in these Terms.
    8. We may deliver important information to you through the Online Wealth Services and/or our Mobile App Services therefore you should read any messages carefully each time you log in to the Online Wealth Services and our Mobile App Services.
  2. Who we are and what we do

    Nedbank Private Wealth is a registered trade name of Nedbank Private Wealth Limited, a company registered in the Isle of Man.

    1. Isle of Man
      1. Our head office is in the Isle of Man. In these Terms we refer to this as our Isle of Man Office.
      2. Nedbank Private Wealth Limited is licensed by the Isle of Man Financial Services Authority to conduct deposit-taking and investment business.
    2. Our London Branch
      1. We have a branch in the United Kingdom. In these Terms we refer to this branch as our London Branch.
      2. Our London Branch is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration No: 313189
      3. The address of the Prudential Regulation Authority is 20 Moorgate, London EC2R 6DA.
      4. The address of the Financial Conduct Authority is 12 Endeavour Square, Stratford, London later in 2018.
    3. Our Jersey Branch
      1. We have a branch in Jersey. In these Terms we refer to this branch as our Jersey Branch.
      2. Our Jersey Branch is regulated by the Jersey Financial Services Commission to conduct deposit taking and investment business.
  3. Online Wealth Services and Mobile App Services

    1. Via our Online Wealth Services and our Mobile App Services you can access information about your Focus Account and, subject to the Focus Terms (where appropriate), give us instructions and use such other functionality as we may make available from time to time. The current functionality includes but is not limited to:
      1. viewing statements in respect of your Bank Account;
      2. viewing transactions in and out of your Bank Account;
      3. checking the balance of your Bank Account;
      4. viewing and making foreign currency exchange transactions;
      5. viewing investments within your Focus Account;
      6. making payments to third parties (including International Payments);
      7. set up and management of individual payees
      8. transferring money between your Bank Accounts. over which you have transactional online access
    2. Further detail regarding the functionality of our Online Wealth Services and Mobile App Services is contained in the Terms.
    3. We may replace, change, remove or add to the range of services that you can access through our Online Wealth Services or Mobile App Services (on reasonable notice to you), from time to time.
    4. We will make reasonable efforts to provide the Online Wealth Services and Mobile App Services to you once your application to receive the services has been accepted by us. However, we do not guarantee continuous availability of the services. From time to time due to updates, maintenance, repairs, and other reasons outside our control the Online Wealth Services and/or Mobile App Services may be partially or fully unavailable or slow for a period of time. We will not be responsible to you for any losses suffered by you as a result of such unavailability or slow performance.
    5. You must not use our Online Wealth Services, our Mobile App Services or any other software we provide to:
      1. do anything illegal;
      2. upload or store images or other content that breach the rights of others or are inappropriate;
      3. use it in a way that could damage our systems or affect other users, for example by modifying the App, inserting malicious code or software or hacking in to the App or our systems;
      4. develop functionally similar apps or software or reverse engineer, adapt, modify or copy the App or software, or allow another person to do these things; or
      5. make income by exploiting the use of the Online Wealth Services or our Mobile App Services.
    6. The intellectual property rights in the App, the Online Wealth Services and the Mobile App Services are owned by Nedbank Private Wealth, its group companies and/or licensors. No licences or permissions are granted in relation to the use of such intellectual property rights, except as expressly set out in these Terms.
  4. Registering for our Online Wealth Services and/or Mobile App Services

    1. You must be at least 18 years old and have a Focus Account with us opened through our Isle of Man Office, our Jersey Branch or our London Branch to use our Online Wealth Services and/or our Mobile App Services.
    2. You must complete either an Account Application (if you wish to set up a new Focus Account) or our Online Wealth Services and Mobile Application Form (if you already have a Focus Account and wish to receive our Online Wealth Services and Mobile App Services) and return it to us by post in order to apply to use our Online Wealth Services and Mobile App Services. The forms are available at www.nedbankprivatewealth.com.By signing the Account Application or the Online Wealth Services and Mobile Application Form (as applicable) and sending it to us, you are agreeing to be bound by these Terms.
    3. You must provide us with a valid email address and a mobile telephone number. If you change either your email address or your mobile telephone number you must notify us of these changes promptly otherwise you may not be able to access the Online Wealth Services or Mobile App Services.
    4. Access to the Online Wealth Services or Mobile App Services is at our discretion. We may, without giving you any reason, refuse to register you for our Online Wealth Services and/or our Mobile App Services.
    5. If we accept your application we will send you the security details that you need to access the Online Wealth Services and Mobile App Services (additional security steps will need to be taken before you can use the Mobile App Services). You must keep the security details secure and you must not write them down or disclose them to any other person.
    6. If you have a Joint Account:
      1. Online Wealth Services and Mobile App Services are available to individual account holders separately. If one, both or all account holders wish to have access to the Online Wealth Services or Mobile App Services, they must each complete the Account Application or Online Banking Application Form.
      2. Each Joint Account holder that wishes to have access to the Online Wealth Services or Mobile App Services must provide an individual email address.
      3. Where two or more Joint Account holders are required to give us instructions to carry out a transaction on your Focus Account, none of the Joint Account holders will be eligible for our Online Wealth Services or Mobile App Services.
  5. Using the Mobile App Services

    This section only applies to our Mobile App Services.

    1. You must already be registered for our Online Wealth Services.
    2. Our Mobile App Services are accessed via the App. You must download the latest version of the App from the Apple App Store or the Google Play Store onto your tablet, mobile or other device. You must not download the App from anywhere else. When you have downloaded the App you must read the Terms and agree to them by clicking the “ACCEPT” button.
    3. When you access the Mobile App Services via the App we automatically give you a non-transferable, non-exclusive right to use the App subject to you agreeing that:
      1. you are only permitted to use the App on a mobile, tablet or other device which is registered via the App and belongs to you and is under your control, and you will register each device separately;
      2. you are only permitted to use the App for the sole purpose of using the Mobile App Services;
      3. the right to use the App is granted to you and you must not transfer the App to anyone else or allow anyone else to access the Mobile App Services using the App downloaded onto any of your devices;
      4. you will not make any modifications to the App, or attempt to do so;
      5. you will not reverse engineer, or analyse the App or any part of it, or attempt to do so;
      6. you will not copy or reproduce in any way the App or any part of it (except in the case of copies made automatically by your device in the normal course of you using the App).
    4. When you click the “ACCEPT” button you will be bound by these Terms.
    5. When you install the App you must activate the Mobile App Services by entering the online credentials we provided you with when you registered for the Online Wealth Services including associated security credentials. We will send you confirmation that the Mobile App Services have been activated.
    6. You must choose a PIN to allow you to access the Mobile App Services securely. You must not choose a number that is easy for someone else to guess, for example your birthday. You must keep the details of your PIN secure and you must not tell anyone else your PIN or write it down.
    7. You must not download the App to a device where the security features may have been changed, for example a jail-broken or rooted device. Jail-broken or rooted means that the device has deliberately had its security settings changed, making it less secure and more vulnerable to fraudulent attacks. We may prevent you from downloading or using the App if we have reason to suspect that the security features on your device have been changed in any way.
    8. We may update the App from time to time. If you accept notifications from the App we will display a message on the screen of your device when there is a new version available for you to download. We will not use the notifications function for unsolicited marketing purposes. You should ensure that you are always using the latest version of the App otherwise the Mobile App Services may not function correctly and there may be a risk to your data and personal information. We therefore recommend that you accept notifications from the App and we will not be responsible to you for any loss that you suffer through not using the latest version of the App.
  6. Accessing our Online Wealth Services or our Mobile App Services

    1. Each time you log in to our Online Wealth Services or access our Mobile App Services we will ask you to confirm your identity before we will allow you to access your Focus Account. If you do not enter the correct details or we are unable to verify your identity, you will not be able to access the Online Wealth Services or Mobile App Services.
    2. You must verify your identity using the methods and checks that we apply from time or time. These may include security details we have given you, your PIN or password, security features enabled on your device, memorable data, a one-time password issued by a hardware or software token or biometric tools. We may change these requirements from time to time.
    3. We will not be responsible to you if the Online Wealth Services or the App is not compatible with your browser, mobile, tablet or other device. We will provide you with information on suitable devices if you ask us. You also acknowledge that how the Online Wealth Services or App is displayed and the content available to you may differ between different devices and browsers.
  7. Making transfers and payments

    1. When you log in to our Online Wealth Service or access the Mobile App Service you can:
      1. move money to another Bank Account you have within your Focus Account provided that the Focus Account you are transferring money to is in the same currency as the Bank Account you are making the transfer from; and
      2. make a payment to a bank account held at another bank within the United Kingdom.
    2. When you have provided your payment instructions, you will be asked to check them and then confirm that they are correct. Once you have confirmed the information is correct, this will instruct us to make the payment. Further details about how we make the payment and the timescales for doing so are described in the Focus Terms.
    3. As part of our payment authentication process, we may also ask you to verify the payment or transfer before we make it by:
      1. confirming a verification code sent by SMS to your mobile telephone number;
      2. using a hardware token; or
      3. such other methods as we chose from time to time.
  8. Keeping your Focus Account and information safe

    1. You acknowledge that using the Online Wealth Services or Mobile App Services gives you access to your Focus Account. To keep your Focus Account safe, you must not give anyone your security details or allow them to log in to the Online Wealth Services or Mobile App Services using your devices as this will give them access to your Focus Account. If you do let someone access your Focus Account, you will be responsible for their actions and we may not reimburse you for transactions that have been made from your Focus Account.
    2. We will never send you an email or SMS or telephone you to ask you for any of your security details, including your password or PIN. If anyone asks you for your security details, including us or the police, you must not disclose them.
    3. You are responsible for the mobile, tablet or other device that you use to access our Online Wealth Services or Mobile App Services. You must keep your device secure and close the App or browser when you are not using it. We will not be responsible to you for any loss that you suffer caused by any defect in the device you use. You agree that you will not:
      1. leave your device unattended or accessible to a third party while you are logged in to either the Online Wealth Services or the App; or
      2. save your security details on your device; or
      3. sell or pass on your mobile, tablet or other device to another person without first uninstalling the App.
    4. If you do want to use the App anymore you must promptly uninstall the App from your mobile, tablet or other device. We will de-register a device if we become aware that you have not accessed the Online Wealth Services or Mobile App Services via a registered device for 12 months or more.
    5. If your mobile, tablet or other device is lost or stolen or if you suspect that anyone else has accessed the Online Wealth Services or the App or may know your security details or your PIN you must contact us immediately by telephoning us at our Isle of Man Office on +44 1624 645000 between 8am and 8pm on a Business Day. You must also promptly change your security details.
    6. Unless we can show that you failed to comply with your obligations under this Agreement intentionally, fraudulently or with gross negligence, you will not be responsible to us for more than £35 for payment transactions processed through your Focus Account. Once you have told us about the loss or theft, you will not be responsible for any further payment transactions that are processed via the Online Wealth Services or Mobile App Services.
    7. We have in place safeguards to protect your Focus Account and the details that you use to access either the Online Wealth Services or the Mobile App Services. However, you accept that while we will take all reasonable steps to prevent security breaches in respect of the Online Wealth Services and Mobile App Services any information that you send to us over an unsecured link or communication system is at risk of interception or access by a third party. We will not be responsible to you for any loss that you suffer because of this.
    8. We may use software and other technology to detect viruses and malware on your mobile, tablet or other device which you use to access the Online Wealth Services or the Mobile App Services. You agree that we may suspend or block your access to the Online Wealth Services or the Mobile App Services if we detect a virus, malware or similar on any of your devices. You may not be able to use the Online Wealth Services or the Mobile App Services until you have removed the virus or malware from your device.
  9. Charges

    1. We will not charge you for using our Online Wealth Services or our Mobile App Services. However, the charges set out in the Focus Terms and Tariff of Charges will apply to the Banking Services and Investment Services you carry out using our Online Wealth Services or our Mobile App Services.
    2. Although we do not charge you for using our Online Wealth Services or our Mobile App Services you should be aware that your network operator or your internet provider may charge you for using the internet to access these services.
  10. Restrictions on the use of our Online Wealth Services or Mobile App Services abroad

    1. Our Online Wealth Services and our Mobile App Services are able to be accessed when you are within the Isle of Man, the Channel Islands or the UK. If you access or use our Online Wealth Services or our Mobile App Services outside of these countries it is your responsibility to find out if it is lawful to access or use our Online Wealth Services or our Mobile App Services in that country. You are responsible for complying with all local laws and we will not be responsible to you for any loss you suffer if you break any local law.
  11. Privacy Policy

    1. When you accept the Terms you agree that we may collect and process your personal information to provide you with the Online Wealth Services and/or the Mobile App Services, as applicable.
    2. Our Privacy Policy and Legal Notices section of our website describes how we will use your personal information and how we use cookies. We use cookies to verify your identity when you log in to either the Online Wealth Services and/or the Mobile App Services. If you want to disable cookies, you will not be able to use the Online Wealth Services and/or the Mobile App Services.
    3. You must read our Privacy Policy and Legal Notices, which are available at: https://www.nedbankprivatewealth.com/content/private-wealth-international/international/en/supplimentary/privacy-policy.html https://www.nedbankprivatewealth.com/content/private-wealth-international/international/en/supplimentary/legal-notices.html
  12. Changes we can make to these Terms

    1. We may change these Terms (including changes to functionality or the services we provide via the Online Wealth Services and/or the App) for any reason, including where we are required to make a change:
      1. to reflect changes to the systems or technology we use to run our business; or
      2. for legal, regulatory or security reasons.
    2. We will provide you with at least 30 days’ notice in advance of making any changes to these Terms unless for legal, regulatory or security reasons we are required to implement such changes earlier than the stated notice period. We may also make changes to these Terms, without giving you prior notice, which are to your advantage or have no detrimental effect on you.
    3. We will tell you by sending you an email, text or displaying a message next time you log in to our website or App. If you do not want to accept a change, you may end this Agreement.
    4. Sometimes we may make a change that we will ask you to agree to. We will do this by sending you a message on the screen when you log in to the website or App. If you do not agree to the change you will not be able to continue using the Online Wealth Services and/or the Mobile App Services and this Agreement will end.
  13. If things go wrong

    1. Our Focus Terms set out where we have responsibility to reimburse you for money that you have lost and where we will make good a loss you have suffered that is caused by something we have done wrong.
    2. However, we will not be responsible for things that are out of our control or are caused by how your mobile, tablet or other device works and, by way of example but without limitation, we will not be responsible if:
      1. we are unable to provide the Online Wealth Services and/or the Mobile App Services because of something that a third party has done;
      2. you are not able to log in or access the Online Wealth Services or the App because of slow or poor connectivity through your internet service provider, mobile operator or wi-fi;
      3. you are using a browser that we are not able to support;
      4. any device, hardware or software you use with the App or the Online Banking Service is damaged, infected with a virus or malware or does not work or you use a device where the security features have been modified or compromised in anyway, including jailbroken or rooted devices;
      5. the security features of any device you are using has been modified in any way;
      6. you are prevented from accessing the Online Wealth Services or App by any firewall or anti-software device or similar;
      7. you store, or otherwise compromise, your security details on your mobile, tablet or other device; or
      8. you access or use the Online Wealth Services or Mobile App Services outside the Isle of Man, the Channel Islands and the United Kingdom.
    3. If you break the terms of this Agreement you will be responsible for the damage you cause to us and you must reimburse us for any loss we suffer, including (without limitation) where such loss is caused by:
      1. malware on your mobile, tablet or other devices that affect the security of the Online Wealth Services, the Mobile App Services or the App;
      2. modifications to the App;
      3. misusing the Online Wealth Services, the Mobile App Services or the App;
      4. developing functionally similar software or allowing another person to do this;
      5. reverse engineering, adapting, modifying or copying the App or software, or allowing another person to do these things;
      6. inserting malicious code or hacking in to the App or our systems;
      7. storing, or otherwise compromising, your security details on your mobile, tablet or other device;
      8. you using a device where the security features have been modified or compromised in anyway, including jailbroken or rooted devices; or
      9. you accessing or using our Online Wealth Services or our Mobile App Services outside the Isle of Man, the Channel Islands or the United Kingdom otherwise than in compliance with all local laws.
  14. Suspending or terminating the Online Wealth Services or the Mobile App Services

    1. You can end the Agreement and ask us to stop providing you with:
      1. the Online Wealth Services; and/or
      2. the Mobile App Services,

      at any time without giving us any reason. We may ask you to confirm this in writing.

    2. If you do not use the Online Wealth Services or the Mobile App Services for 12 months or more, we may remove your access to the services and terminate this Agreement. If we do this, subject to these Terms, you can re-register for the services at any time in the future.
    3. We can suspend, restrict or end your access to the Online Wealth Services or the Mobile App Services immediately if we reasonably think this is necessary because:
      1. you or we have ended our agreement to provide you with Banking Services or Investment Services under the Focus Terms;
      2. of maintenance or security reasons;
      3. we do not recognise the device that you are using, or we suspect your device has been modified or is being used in an unusual way;
      4. you are using an out of date browser or App we no longer support;
      5. you have given us any false information;
      6. you were not entitled to open the Focus Account;
      7. you behave in a threatening, abusive or other improper way towards our staff;
      8. you repeatedly or seriously break this Agreement in any way; or
      9. we are required to stop providing these services for any legal or regulatory reason.
    4. We will normally try to let you know before we suspend, restrict or end your access to the Online Wealth Services or the Mobile App Services. However, we may not always be able to do this, for example if it would compromise our security or for legal or regulatory reasons.
    5. If we have suspended your access to the Online Wealth Services or the Mobile App Services because you have entered the incorrect security details or we cannot otherwise verify your identity, you can reset your security details by contacting the client service team at our Isle of Man Office on +44 1624 645000 between 8am and 8pm on a Business Day.
    6. If either you or we terminate this Agreement we may ask you to return to us any security device that we have provided to you, if any, and you must delete all copies of the App from any mobile, tablet or other devices where you have installed it.
    7. Unless we have terminated our agreement with you under the Focus Terms, or pursuant to Term 14.3, we will give you two months’ notice if we are going to end the Online Wealth Services or Mobile App Services.
  15. Data retention

    1. We may delete information, statements, messages and other data accessible via the Online Wealth Services or the Mobile App Services after seven years from the date it was created. If any of this material or data is important to you or you may need to access it in the future you should save it onto your own equipment or print a paper copy.
  16. Complaints

    1. If you have a complaint, please contact us and we will try to resolve the problem. If you are still dissatisfied, you may be able to refer your complaint to the relevant Financial Ombudsman Service in the jurisdiction in which your Focus Account was opened. Full details of how to complain to us and how to contact the relevant Financial Ombudsman Services are set out in the Focus Terms.
    2. If you opened your Focus Account through the London Branch and we are not able to resolve your complaint as an alternative to contacting the UK Financial Ombudsman Service directly yourself you may be able to submit a claim through the European Online Dispute Resolution Platform. This platform will then send your complaint to the UK Financial Ombudsman Service for an independent review. Further information about who is eligible to claim through this service and about this service is available at www.ec.europa.eu/consumers/odr/
  17. Governing Law

    1. Where you open your Focus Account through our Isle of Man Office in the Isle of Man:
      1. our dealings with you as well as the Terms themselves are governed by Isle of Man law; and
      2. the Isle of Man courts will have jurisdiction over any matter arising under or in connection with the Online Wealth Services and Mobile App Services.
    2. Where you open your Focus Account through the London Branch:
      1. our dealings with you as well as the Terms themselves are governed by English law; and
      2. the English courts will have jurisdiction over any matter arising under or in connection with the Online Wealth Services and Mobile App Services.
    3. Where you open your Focus Account through the Jersey Branch:
      1. our dealings with you as well as the Terms themselves are governed by Jersey law; and
      2. the Jersey courts will have jurisdiction over any matter arising under or in connection with the Online Wealth Services and Mobile App Services.
    4. However, the provisions of Terms 17.1 to 17.3 will not affect our ability to bring proceedings against you in any other jurisdiction.

Annexure 1 Definitions

In these Terms:

Account Application means the application form completed by you asking us to provide you with Banking Services and, where requested, Investment Services and / or Online Wealth Services.

Agreement means our agreement with you under which we agree to provide you with our Online Wealth Services and/ or Mobile App Services and which consists of these Terms, as amended from time to time, together with the application form that you complete in order to receive the Online Wealth Services and/ or Mobile App Services.

App means the Nedbank Private Wealth App which you can download from the Apple App store or the Google Play Store and which gives you access to the Mobile App Services, as amended or updated from time to time.

Bank Account means the bank account or bank accounts opened by us for you to provide you with the Banking Services.

Banking Services means the banking services we have agreed to provide to you from time to time through your Focus Account.

Business Day means any day other than a Saturday or Sunday or a public holiday in the Isle of Man and/or Jersey and/or the UK, as appropriate.

Focus Account means the account opened by us for you through which we provide the range of Banking Services and Investment Services we have agreed to provide to you, from time to time, under the Focus Terms.

Focus Terms means the terms and conditions, setting out the agreement between you and us, as amended from time to time, in relation to your Focus Account.

Investment Service(s) means the discretionary investment management service, the advisory service, the execution-only service and/or the custody service we have agreed to provide to you from time to time through your Focus Account.

Joint Account means a Focus Account held in the joint names of two or more individuals, whether personal customers, trustees, partners, directors or officers of an unincorporated society, club or other association.

Mobile App Services means the mobile app services that you have requested and that we have agreed to provide to you under the Terms where you can access your Focus Account through our App using a computer, tablet, mobile phone or other device.

Online Wealth Services and Mobile Application Form means the application form you complete to access our Online Wealth Services and, if applicable, the Mobile App Services.

Online Wealth Services means the Online Wealth Services that you have requested and that we have agreed to provide to you under the Terms where you can access your Focus Account through your browser using a computer, tablet, mobile phone or other device.

PIN means the Personal Identification Number used in conjunction with the Mobile App Services.

Privacy Policy means our policy regarding how we use and hold your personal data and your rights in relation to the same. Our Privacy Policy is available to view at https://www.nedbankprivatewealth.com/content/private-wealth-international/international/en/supplimentary/privacy-policy.html

Tariff of Charges means the tariff of charges, as updated from time, applicable to the Focus Account we provide to you. The most up-to-date Tariff of Charges is available on our website at www.nedbankprivatewealth.com.

Terms means these terms and conditions, as amended or updated from time to time.

Us/ we/ our means Nedbank Private Wealth Limited.

You/ your/ yours means you, a client of ours, and where you are a Joint Account holder, each of you.

The singular includes the plural and the other way around.

Words denoting the masculine gender include the feminine and neuter genders.


Important Information

Nedbank Private Wealth Limited, Isle of Man

Registered office: St Mary’s Court, 20 Hill Street, Douglas, Isle of Man, IM1 1EU, British Isles. Licenced by the Isle of Man Financial Services Authority

Nedbank Private Wealth Limited, London Branch

Principal place of business: Millennium Bridge House, 2 Lambeth Hill, London EC4V 4GG United Kingdom. Registered in England and Wales with company number FC028704. Nedbank Private Wealth Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 313189.

Nedbank Private Wealth Limited, Jersey Branch

Principal place of business: 31 The Esplanade, St Helier, Jersey JE1 1FB, Channel Islands. Regulated by the Jersey Financial Services Commission