Terms & Conditions

Legal Information

Welcome to Kleinwort Group. These Terms and Conditions govern your use of our banking services, digital platforms, and website. Please read them carefully before accessing or using our services.

By accessing our website, using our digital banking services, or maintaining an account with us, you agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree with any part of these terms, you must not use our services.

Review Key Terms

Account Agreement

Account Terms & Conditions

These terms govern your banking relationship with Kleinwort Group.

1. Account Opening

By applying for an account, you warrant that all information provided is accurate and complete. We reserve the right to reject any application at our discretion. Accounts are subject to verification procedures and compliance with applicable laws and regulations.

2. Account Usage

Accounts must be used for lawful purposes only. You agree not to use your account for any illegal activities, money laundering, fraud, or other prohibited transactions. We monitor accounts for suspicious activity as required by law.

3. Fees & Charges

You agree to pay all applicable fees and charges associated with your account as outlined in our Schedule of Fees. Fees are subject to change with prior notice as required by law. It is your responsibility to review fee disclosures regularly.

4. Liability

You are responsible for all transactions authorized through your account. Report unauthorized transactions immediately. Liability for unauthorized electronic transactions may be limited if reported promptly as specified by applicable regulations.

5. Account Closure

We reserve the right to close your account at any time with reasonable notice, except when immediate closure is necessary for security or legal reasons. You may close your account by following our established procedures.

6. Dormant Accounts

Accounts with no customer-initiated activity for a specified period may be classified as dormant and subject to additional fees or escheatment according to applicable state laws. We will provide notice before classifying an account as dormant.

Online Services

Digital Banking Terms

Terms governing your use of our online and mobile banking services.

1. Access Credentials

You are responsible for maintaining the confidentiality of your login credentials, including passwords, PINs, and security questions. You agree not to share these credentials with anyone and to notify us immediately if you suspect unauthorized access.

2. Electronic Communications

By using our digital services, you consent to receive communications from us electronically. We may provide notices to you electronically through our platforms or via email to the address on file.

3. Service Availability

We strive to provide continuous access to our digital services but do not guarantee uninterrupted availability. We may perform maintenance, updates, or experience technical difficulties that temporarily limit access.

4. Security Obligations

You agree to use up-to-date antivirus software, secure networks, and take reasonable precautions to protect your devices from malware when accessing our digital services. We are not liable for losses resulting from your failure to maintain security.

5. Transaction Processing

Processing times for electronic transactions may vary. Cut-off times for same-day processing are published on our website. We are not responsible for delays caused by intermediaries or circumstances beyond our control.

6. Mobile Banking

Mobile banking services may be subject to additional terms. Standard carrier charges may apply for data usage. You are responsible for any charges imposed by your mobile service provider.

Data Handling

Privacy & Data Protection

How we handle your personal and financial information.

1. Information Collection

We collect personal and financial information necessary to provide our services, comply with legal obligations, and for legitimate business purposes. This may include information from applications, transactions, credit bureaus, and other sources.

2. Information Usage

We use your information to provide and improve our services, process transactions, prevent fraud, comply with laws, and communicate with you. We may share information with affiliates, service providers, and as required by law.

3. Data Protection

We implement reasonable security measures to protect your information. However, no data transmission over the internet can be guaranteed as completely secure. We are not liable for unauthorized access beyond our control.

4. Cookies & Tracking

Our website uses cookies and similar technologies to enhance user experience, analyze site usage, and for advertising purposes. By using our website, you consent to our use of cookies as described in our Privacy Policy.

5. Data Retention

We retain your information for as long as necessary to fulfill the purposes outlined in our Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements.

6. Your Privacy Rights

Depending on your jurisdiction, you may have rights regarding your personal information, including access, correction, deletion, and opting out of certain uses. Contact us to exercise these rights.

Website Usage

Intellectual Property Rights

Terms regarding the use of our website and intellectual property.

1. Copyright

All content on our website, including text, graphics, logos, and software, is the property of Kleinwort Group or its content suppliers and protected by international copyright laws. Unauthorized use may violate copyright laws.

2. Trademarks

Kleinwort Group's name, logo, and all related product and service names are trademarks of Kleinwort Group. You may not use these marks without our prior written permission. All other trademarks are the property of their respective owners.

3. Website Use License

We grant you a limited, revocable license to access and use our website for personal, non-commercial purposes. This license does not include any resale or commercial use of our website or its contents.

4. Prohibited Uses

You may not use our website in any way that could damage, disable, overburden, or impair our servers or networks, or interfere with any other party's use of our website.

5. Linking to Our Website

You may link to our homepage, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it. You must not establish a link in such a way as to suggest any form of association where none exists.

6. Third-Party Links

Our website may contain links to third-party websites. These links are provided for your convenience only. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites.

Legal Framework

General Provisions

Additional terms governing our relationship.

1. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of the jurisdiction where your account is maintained, without regard to its conflict of law provisions.

2. Dispute Resolution

Any disputes arising from these terms shall be resolved through arbitration or in the courts of the jurisdiction specified in your account agreement, unless otherwise required by law.

3. Limitation of Liability

To the fullest extent permitted by law, Kleinwort Group shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of our services.

Legal Information