Access to this website and your use of it is governed by the terms and conditions (the "Terms") stated below. By accessing and using this website you shall be deemed to have read and agreed to be bound by these Terms.

In these Terms, "we", "our" and "us" means Conister Trust Limited and its subsidiary companies ("Conister") and "you" and "your" means any natural or legal person who uses the website and each entity on whose behalf the user acts.

By accessing the website you confirm that you are an individual of at least 18 years of age, or, if under 18, that you are accessing the website with the full consent of your parent(s) or guardian(s).

When using the website and viewing its contents, you warrant that you do so in accordance with, and not in contravention of, the laws of the jurisdiction in which you are resident, domiciled or located. Conister accepts no liability arising from your use or viewing of the website which is in contravention of the laws of the jurisdiction in which you are resident, domiciled or located.

Please note that if you are an existing customer of Conister these Terms will apply in addition to those contained in your Customer Terms and Conditions. All Conister products and services are also subject to separate terms and conditions which govern their use.

Data Protection and Privacy

These terms should be read in conjunction with our Privacy Policy which sets out how we collect and use your personal data.

No Warranties

Whilst we have taken reasonable steps to ensure the accuracy, currency, availability correctness and completeness of the information contained on the website, information is provided on an "as is", "as available" basis and we do not give or make any warranty or representation of any kind, whether express or implied. The use of the website is at your sole risk. We shall not be liable for any loss or damage whatsoever and howsoever arising as a result of your use of or reliance on the information contained on the website to the maximum extent permitted by law.

We do not represent or warrant that the website will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the website.

You agree to indemnify and hold us, and any of our officers, employees and agents harmless from and against all and any losses, liabilities, damages, costs or expenses of any character incurred or suffered and any claims or legal proceedings which are brought or threatened, in each case arising from your use of, or conduct on, the website and/or any breach of these Terms.

Copyright

The copyright in the content of this website is owned by or licensed to us and other intellectual property rights in and relation to the website are owned by us. No part of the content of the website may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means without our prior written consent, except that you may print or download the visible text of an individual page for private and personal non-commercial use only. In addition you can not link any other website to our website, without our prior written permission.

Third party products and services

The website may also contain links to other websites which are not under our control and are not maintained by us. We are not responsible or liable in any way for such websites and cannot vouch for the suitability or accuracy of the content of those websites. We provide these links for your convenience only but do not monitor or endorse the material on such other websites and you link to them at your own risk.

Use of website

We may at any time terminate the website, or restrict your access to it. In using this website you agree not to:

1. modify, access or make available data stored on a computer or device which you have accessed through our network, when either the owner of the data, computer or device has taken steps to prevent you from doing this or the owner has expressed a wish that you do not do this;
2. make available or upload files that contain software or other material, data or information not owned by or licensed to you or collect information about others (e.g. names/addresses) without their prior consent;
3. damage, interfere with or disrupt access to the website or do anything which may interrupt or impair its functionality; and
4. save as authorised in these Terms or as agreed in writing between you and us, make any commercial or business use of the website or resell or commercially benefit from any part or aspect of the website

We retain the absolute right to disconnect you from the website, without prejudice to any of our accrued rights, where we in our sole discretion consider you are contravening these Terms.

Internet Email

Messages sent over the Internet cannot be guaranteed to be completely secure as they are subject to possible interception or loss or possible alteration. We are not responsible for them and will not be liable to you or anyone else for any damages or otherwise in connection with any message sent by you to Conister or any message sent by Conister to you over the Internet.

Amendments

We reserve the right to amend these Terms without notice by updating this posting. You will be bound by changes through your continued use of the website.

Assignments and Enforcement

We may assign to any person all or any of our rights under these Terms.

Our failure to exercise or enforce any of our rights in connection with these Terms shall not constitute a waiver of any such rights unless we agreed this with you in writing.

Law

These Terms shall be governed by and interpreted in accordance with Manx law. The Manx courts shall have exclusive jurisdiction over any disputes arising from the website.

The website 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 website or such distribution or use would be contrary to local law or regulation. If you choose to access information on the website, it is your responsibility to comply with all applicable local, national or international laws and any use of the website in such jurisdictions is entirely at your own risk. For guidance relating to your specific situation, please contact your legal advisor.

Savings - Important Legal Information

Conister Trust Limited is a deposit taker licensed by the Isle of Man Financial Supervision Commission under Section 3 of the Banking Act 1975 (as amended).

Deposits made with an Isle of Man office of Conister Trust Limited are covered by the Depositors Compensation Scheme (the "Scheme") contained in the Compensation of Depositors Regulations 2008, as amended (the "Regulations").

This Scheme applies to customers who invest in the Isle of Man, wherever they live in the world, for eligible deposits which have an original investment period of five years or less. From 1st December 2004 the Regulations allow for deposits with an original term to maturity of more than five years to be included in the Scheme. Each depositor's sterling deposits are protected as to 75% of the first £20,000 up to a maximum of £15,000, subject to the conditions set out in the Regulations. Separate deposits in the same ownership will be aggregated for compensation purposes. The Scheme is managed on behalf of the Isle of Man Government by the Isle of Man Financial Supervision Commission.

Deposits made with offices of Conister Trust Limited in the Isle of Man are NOT covered by the UK Financial Services Compensation Scheme established under the Financial Services and Markets Act 2000, an Act of the UK Parliament.

Complaints

In the event of us being unable to settle a complaint to your satisfaction, you may refer it to the Financial Services Ombudsman Scheme (the "Scheme") for the Isle of Man.

The Scheme has been set up under Isle of Man law to provide private individuals with a free, independent service for resolving disputes with financial firms operating from the Isle of Man. Under the provisions of the Scheme, Conister Trust Limited is required to deal with your complaint within 12 weeks of being notified. However, we believe it is important to resolve any issues as quickly as possible and one of our senior managers will be asked to review your concerns at the earliest possible opportunity.

No Offer

Nothing on the website should be construed as a solicitation or offer, or recommendation, to acquire or dispose of any investment or cash deposit or to engage in any other transaction, or to provide any investment advice or service<./p>