Terms & Conditions for Online and mobile services

These terms cover your use of our Online Services through which you can access relevant St. James’s Place products, services, and investments (together, the “Products”), and related tools and information. 

These terms are supplemental to the terms applicable to the Products you or where applicable, the account holder who authorises you to access the Products, have with the St James’s Place Group (the “Product Terms”). These terms do not alter the Product Terms.

• If there is a conflict between these terms and the Product Terms, these terms will apply in relation to your access and use of the Online Services only.
• The Online Services do not involve financial or investment or wealth management advice; please contact your financial adviser in this respect.
• You may not be able to access all products and services we offer through the Online Services and/or we may add or remove products and services you are entitled to access (individually or jointly with someone else) from us at any time.

By registering for our Online Services, or downloading the App, you agree to these terms and confirm that you are authorised to access the Products presented through the Online Services.  

To access our App, you may download it onto your mobile device. To download our App onto devices not owned by you, you must have the owner’s permission.  You are responsible for complying with these terms, whether or not you own the device. 

We will use your personal data in line with the applicable privacy policy (which can be found on our website) and relevant Product Terms. Our privacy policy explains how we will collect, use, disclose, transfer and store your personal information and includes details on your rights to your information. 

We will ask you to confirm your identity before using the Online Services. From time to time we may perform additional security checks to verify your identity to ensure Online Service users are authorised to access the relevant Products and associated information. 

You agree to us collecting and using technical information about the devices you use to access the Online Services to improve our products and services. This may include information obtained from cookies (files which are sent by us to your device). The type of cookies that we use (known as session cookies) only give us information about usage – they do not store personal information. To find out more please see our privacy policy.

When you register for the Online Services a profile will be created for you. We will do what we reasonably can to prevent unauthorised access to your Online Services profile. You must also act reasonably to prevent misuse of your Online Service profile (including setting a secure password and keeping the password and any other access mechanisms confidential and secure, and (for App users) downloading the latest updates to the App). If you don’t, or we consider it appropriate for other reasons, we may restrict your access to the Online Services to protect against unauthorised access or use. 

If you sell or dispose of any device on which the App is installed or passwords or other access mechanisms are held, you must first remove them from the device. If someone else tries to access, or has accessed, your Online Services profile without your permission you must contact us as soon as possible.

You should also check the relevant Product Terms as they may tell you more about what you need to do to stay secure and further details on how we keep your information secure may also be found on our website. 

We may make changes to our Online Services to address security issues, introduce new tools or functionality or for other reasons. Depending on the update, you may not be able to continue to use the Online Services until you have accepted the changes, accepted any new terms, and (for App users) downloaded the latest version of the App. 

While we will make reasonable efforts to provide the Online Services we will not be responsible for times when the Online Services are unavailable. We do not make any warranty regarding availability of the Online Services or that your use will be free from any interruptions. 

The functionality of the Online Services depends both on the technology available and applicable law and regulation, depending on where you are located. What is available through the Online Services will therefore change over time. Further, if you seek to use the Online Services from (or using an address/number/device registered) outside of our home jurisdiction (as shown in Section 18), then:

• we may remove access or restrict certain functionalities if it imposes additional cost or obligations on us, or we believe that it is appropriate in response to law or regulation (e.g. sanctions) or risk (such as security); and 
• you are responsible for ensuring compliance with applicable local laws and regulations.

We give to you a right to use the Online Services in the manner permitted by these terms and solely for your own use. You are not allowed to grant rights to anyone else in relation to the Online Services unless permitted by us and according to the relevant Product Terms.

You will only be able to use the Online Services if you hold, or have permission to access, certain products, services or investment information provided by us which are supported by the Online Services. Where you are accessing the Online Services as the registered contact for a Product holder or otherwise have been authorised by a Product holder to view information and act on their behalf regarding their Products – such access will be subject to additional terms and approval by us, with further information being available upon request.

If you cease to hold, or cease to have permissions to access, the Products then we may place restrictions on your access to or use of the Online Services. We may also place restrictions on access to or use of the Online Services in response to our assessment of risk or legal or regulatory requirements, and as a result, the functionality of the Online Services may vary between the jurisdictions in which we operate.

Please note that information shown on the Online Services may be subject to a time lag or otherwise be out of date. If you receive advice from a St. James’s Place Partner in relation to the Products, please always contact your St. James’s Place Partner before making decisions regarding the Products. For the avoidance of doubt, no financial, investment, or wealth management advice is involved in or provided through the Online Services under any circumstances.

If you think that action taken through the Online Services may have been incorrect, unauthorised, or not properly executed (perhaps due to delay or other error), then please contact your St. James’s Place Partner immediately.  Please also contact your St. James’s Place Partner if you believe that there are errors in the information shown to you through the Online Service.  If you do not have a St. James’s Place Partner then alternative contact details are shown in Section 19.

We do not generally apply a charge for use of the Online Services but particular functions affecting the Products may result in charges under the Product Terms, or by others (such as your bank or tax authorities).  We have no control over, and are not responsible for, charges imposed by others.

You must not use our Online Services for anything other than accessing Products that you are authorised to access in accordance with these terms. In particular, you must not (and must not permit any other person to):

• use the Online Services for anything illegal or in any manner inconsistent with these terms (including without limitation any fraudulent or malicious act, for example, by hacking into or uploading any malicious code, such as viruses, or other harmful data);
• transmit or upload to the Online Services any material that is defamatory, offensive or otherwise objectionable in relation to your use of the Online Services; 
• copy, reproduce, modify, adapt, merge or tamper with the Online Services (or any part of it); 
• disassemble, de-compile, reverse engineer, copy, or create derivative works based on, the whole or any part of the Online Services nor attempt to do any such things; 
• collect data from us or our systems or attempt to decipher any transmissions to or from the servers;
• use any fund, product, investment data or other materials made available via the Online Services for anything other than for your information purposes (distribution of the data to other third parties for commercial or business purposes is not permitted) 
• use the Online Services on a device or computer which contains or is vulnerable to viruses or other damaging properties or which does not have up-to-date anti-virus, anti-spyware software, firewall and security patches installed on it; and/or
• use the Online Services in a way that could damage, disable, overburden, impair or compromise our systems or security or interfere with other users and their use of the Online Services.

The Online Services are provided “as is” and “as available” and it is your responsibility to use it in an appropriate way. 

Although we make reasonable efforts to update the information provided to you via the Online Services, we cannot guarantee that such information is accurate, error free, complete or up to date. We will take reasonable care to make sure that the tools and functionality provided in the Online Services work substantially as described, but you should not solely rely on them and we will not be responsible if they do not always work as you expect. You should monitor the Products regularly to check that any functions are operating in the way you expect. 

We will use reasonable skill and care to ensure that the Online Services are safe and secure and do not contain viruses or other damaging property, however, we cannot guarantee that this will be the case or that no damage will occur to your data, software, devices or other digital content.

If we breach these terms, we are responsible for loss or damage you suffer that is a direct and foreseeable result of our breach, but we are not responsible for any loss or damage that is not direct or foreseeable. Loss or damage is foreseeable if either it is obvious it will happen or if, at the time you accepted these terms, both we and you knew it might happen.

We do not exclude or limit in any way our responsibility to you where it would be unlawful to do so. 

These terms do not affect: your legal rights as a consumer (where applicable); or your rights and our obligations under the Product Terms.

We are not responsible for events outside our control. We are not responsible for events outside our control.  There are certain other things which we won’t be responsible for in any way. You understand and agree that:

• The Online Services may contain links to websites not provided by us and therefore not under our control. We have not checked or approved and are not responsible for their content or their privacy policies (if any). Your judgement about whether to use any such independent sites is therefore your own. 
• The Online Services are not intended to manage business investments and so we will have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
• If the Online Services damage a device or digital content belonging to you, we will either repair the damage or pay you compensation. However, we will not be liable for damage you could have avoided by applying updates or if you failed to correctly follow instructions or to have in place our minimum system requirements. We will not be responsible for any equipment, software or user documentation which someone other than us produces for use with the Online Services (e.g. authentication tools).

From time to time we may make changes to these terms. If we need to change these terms we will aim to provide you with at least 30 days’ notice by sending you information (typically an email) with details, or notifying you when you next access the Online Services. By continuing to use the Online Services (either via the App or online) after notification you accept the changes notified to you. If you do not want to accept the change, you can delete your Online Service profile at any time.

You can end this agreement and your obligations under these terms at any time by deleting your Online Service profile and (where applicable) deleting the App from your mobile device. Your right to use the Online Services will end automatically if you do this. Ceasing to use the Online Services will not affect the Products, which will remain subject to the relevant Product Terms (unless we have advised you that the relevant Products can only be accessed via the Online Services in which case we may close the relevant Product and will confirm the same to you).

We may end your right to use the Online Services by contacting you if:

• we withdraw or stop supporting the Online Services for any reason;

• we suspect that any profile or device used to access the Online Services is not secure or contains, or is vulnerable to, viruses or malicious software;

• you cease to hold the right, or otherwise the required permission, to access or use the Products provided by us;

• all the Products which you accessed via the Online Services are closed or your access authorisation is suspended for any reason; 

• continuing access for you imposes additional cost to us or we believe that it is appropriate in response to law or regulation (e.g. sanctions) or risk;

• you do not access the Online Service for 12 months; or

• you breach or we suspect you are in breach of these terms or the relevant Product Terms in a serious or repeated way. 

If what you have done can be put right we may give you reasonable opportunity to do so.

If we end your rights to use the Online Services:

• You must stop all activities authorised by these terms, including using the Online Services.

• You must delete or remove the App and all copies of it from all devices and, if we ask, confirm to us that you have done this.

• We may remotely remove the App from your devices and/or block access through your Online Services profile

• It will not (unless we tell you otherwise) affect your rights to the Products.  Products can continue to be accessed through your St. James’s Place Partner or (in some cases) our administration centre.

All intellectual property rights in the Online Services (including the App downloaded to your device), and its content, throughout the world are owned by and belong to us (or our licensors). We grant you a limited right to use the Online Services subject to these terms and you do not have (and will not claim to have) any ownership rights or other permissions in or to the Online Services. In addition to use permissions, you may also take copies or print extracts of the Product information displayed on the Online Services solely for your own personal, non-commercial use.

For users of the App:

• Neither Apple Inc. Google LLC., their affiliates, nor any other third party, have any responsibilities or obligations to you in relation to the App or its content and will not provide any maintenance and support services for the App.

• The App uses and includes third-party software and copyrighted material. It is also subject to third-party licences. Further information on third party licences is found at the end of these terms.

We may transfer our rights and obligations under these terms to another organisation. We will always tell you in writing if this happens and ensure the transfer will not adversely affect your rights. You cannot transfer any of your rights and obligations under these terms to anyone else without our written approval.

If we do not insist immediately that you do anything required under these terms, or if we delay in taking steps in respect of your breach of these terms, that will not mean that you do not have to do those things and will not prevent us taking steps against you later.

Each of the paragraphs of these terms operates separately. If any court or relevant authority decides any of them are unlawful, the remaining paragraphs will remain in full force and effect. These terms do not give rise to any rights to persons that are not named in Section 1 above.

These terms are governed by English Law and legal proceedings under or connection with these terms can only be brought in the courts in the United Kingdom (or by us in other locations where you are based or your assets are held).

Contacting us

If you want to talk to us about our Online Services (for example, if you’re having technical problems) you will be able to use the support service contact details that are available on our website. 

To contact us about a Product or other wealth management service then you should use the contact details in the relevant Product Terms or your usual St. James’s Place Partner contact.

Messaging through Online Services

The Online Services may include operation of a secure e-messaging facility. When active, secure e-messaging will allow us to send you secure messages, place notices and give you notifications about the Products you have with us, so it will be important that you check your secure messages and notifications regularly. If you send us a secure message, we’ll try to respond as soon as we can but you should know we can’t deal with all requests by secure message. In particular, you must not send us messages relating to: information relating to the Products; or, opening, amending or renewing Products, as these should be directed to your St. James’s Place Partner.

We’ll let you know if we can’t deal with your request. We also won’t respond to inappropriate messages.

Product providers and Partners

You understand that the Product and Product Terms may be held with different member of the St. James’s Place Group (where “St. James’s Place Group” or “SJP Group” refers to St. James’s Place plc and its subsidiaries from time to time), and that any information relating to the Products may be sourced from the various entities within St. James’s Place Group. For further details please consult the Product Terms. 

The “St. James’s Place Partnership” is a collective name for all of our advisers. In the UK they are appointed representatives of St. James’s Place Wealth Management plc (Company number 04113955) which is authorised and regulated by the Financial Conduct Authority (Reference number 195351), while in other jurisdictions where we operate they are representatives or employees of the relevant member of the St. James’s Place Group. “St. James’s Place Partner” refers to is an individual or business that is as a member of the St. James’s Place Partnership. 

The Online Services are provided to you by or on behalf of the entity detailed in Section 1 (further details below). Details on the Provider of each of your Products is available in your Product documentation.

These terms cover your use of our Online Services through which you can access relevant St. James’s Place products, services, and investments (together, the “Products”), and related tools and information. 

These terms are supplemental to the terms applicable to the Products you or where applicable, the account holder who authorises you to access the Products, have with the St James’s Place Group (the “Product Terms”). These terms do not alter the Product Terms.

• If there is a conflict between these terms and the Product Terms, these terms will apply in relation to your access and use of the Online Services only.
• The Online Services do not involve financial or investment or wealth management advice; please contact your financial adviser in this respect.
• You may not be able to access all products and services we offer through the Online Services and/or we may add or remove products and services you are entitled to access (individually or jointly with someone else) from us at any time.

You may not be able to access all products and services we offer through the Online Services and/or we may add or remove products and services you are entitled to access (individually or jointly with someone else) from us at any time.

By registering for our Online Services, or downloading the App, you agree to these terms and confirm that you are authorised to access the Products presented through the Online Services. 

To access our App, you may download it onto your mobile device. To download our App onto devices not owned by you, you must have the owner’s permission.  You are responsible for complying with these terms, whether or not you own the device. 

We will use your personal data in line with the applicable privacy policy (which can be found on our website) and relevant Product Terms. Our privacy policy explains how we will collect, use, disclose, transfer and store your personal information and includes details on your rights to your information. 

We will ask you to confirm your identity before using the Online Services. From time to time we may perform additional security checks to verify your identity to ensure Online Service users are authorised to access the relevant Products and associated information. 

You agree to us collecting and using technical information about the devices you use to access the Online Services to improve our products and services. This may include information obtained from cookies (files which are sent by us to your device). The type of cookies that we use (known as session cookies) only give us information about usage – they do not store personal information. To find out more please see our privacy policy.

When you register for the Online Services a profile will be created for you.  We will do what we reasonably can to prevent unauthorised access to your Online Services profile. You must also act reasonably to prevent misuse of your Online Service profile (including setting a secure password and keeping the password and any other access mechanisms confidential and secure, and (for App users) downloading the latest updates to the App). If you don’t, or we consider it appropriate for other reasons, we may restrict your access to the Online Services to protect against unauthorised access or use. 

If you sell or dispose of any device on which the App is installed or passwords or other access mechanisms are held, you must first remove them from the device. If someone else tries to access, or has accessed, your Online Services profile without your permission you must contact us as soon as possible.

You should also check the relevant Product Terms as they may tell you more about what you need to do to stay secure and further details on how we keep your information secure may also be found on our website. 

We may make changes to our Online Services to address security issues, introduce new tools or functionality or for other reasons. Depending on the update, you may not be able to continue to use the Online Services until you have accepted the changes, accepted any new terms, and (for App users) downloaded the latest version of the App. 

While we will make reasonable efforts to provide the Online Services we will not be responsible for times when the Online Services are unavailable. We do not make any warranty regarding availability of the Online Services or that your use will be free from any interruptions. 

The functionality of the Online Services depends both on the technology available and applicable law and regulation, depending on where you are located. What is available through the Online Services will therefore change over time.  Further, if you seek to use the Online Services from (or using an address/number/device registered) outside of our home jurisdiction (as shown in Section 18), then:

• we may remove access or restrict certain functionalities if it imposes additional cost or obligations on us, or we believe that it is appropriate in response to law or regulation (e.g. sanctions) or risk (such as security); and 
• you are responsible for ensuring compliance with applicable local laws and regulations.

We give to you a right to use the Online Services in the manner permitted by these terms and solely for your own use. You are not allowed to grant rights to anyone else in relation to the Online Services unless permitted by us and according to the relevant Product Terms.

You will only be able to use the Online Services if you hold, or have permission to access, certain products, services or investment information provided by us which are supported by the Online Services. Where you are accessing the Online Services as the registered contact for a Product holder or otherwise have been authorised by a Product holder to view information and act on their behalf regarding their Products – such access will be subject to additional terms and approval by us, with further information being available upon request.

If you cease to hold, or cease to have permissions to access, the Products then we may place restrictions on your access to or use of the Online Services. We may also place restrictions on access to or use of the Online Services in response to our assessment of risk or legal or regulatory requirements, and as a result, the functionality of the Online Services may vary between the jurisdictions in which we operate.

Please note that information shown on the Online Services may be subject to a time lag or otherwise be out of date.  If you receive advice from a St. James’s Place Partner in relation to the Products, please always contact your St. James’s Place Partner before making decisions regarding the Products. For the avoidance of doubt, no financial, investment, or wealth management advice is involved in or provided through the Online Services under any circumstances. 

If you think that action taken through the Online Services may have been incorrect, unauthorised, or not properly executed (perhaps due to delay or other error), then please contact your St. James’s Place Partner immediately. Please also contact your St. James’s Place Partner if you believe that there are errors in the information shown to you through the Online Service.  If you do not have a St. James’s Place Partner then alternative contact details are shown in Section 19.

We do not generally apply a charge for use of the Online Services but particular functions affecting the Products may result in charges under the Product Terms, or by others (such as your bank or tax authorities).  We have no control over, and are not responsible for, charges imposed by others.

You must not use our Online Services for anything other than accessing Products that you are authorised to access in accordance with these terms. In particular, you must not (and must not permit any other person to):

• use the Online Services for anything illegal or in any manner inconsistent with these terms (including without limitation any fraudulent or malicious act, for example, by hacking into or uploading any malicious code, such as viruses, or other harmful data);
• transmit or upload to the Online Services any material that is defamatory, offensive or otherwise objectionable in relation to your use of the Online Services; 
• copy, reproduce, modify, adapt, merge or tamper with the Online Services (or any part of it); 
• disassemble, de-compile, reverse engineer, copy, or create derivative works based on, the whole or any part of the Online Services nor attempt to do any such things; 
• collect data from us or our systems or attempt to decipher any transmissions to or from the servers;
• use any fund, product, investment data or other materials made available via the Online Services for anything other than for your information purposes (distribution of the data to other third parties for commercial or business purposes is not permitted) 
• use the Online Services on a device or computer which contains or is vulnerable to viruses or other damaging properties or which does not have up-to-date anti-virus, anti-spyware software, firewall and security patches installed on it; and/or
• use the Online Services in a way that could damage, disable, overburden, impair or compromise our systems or security or interfere with other users and their use of the Online Services.

The Online Services are provided “as is” and “as available” and it is your responsibility to use it in an appropriate way. 

Although we make reasonable efforts to update the information provided to you via the Online Services, we cannot guarantee that such information is accurate, error free, complete or up to date. We will take reasonable care to make sure that the tools and functionality provided in the Online Services work substantially as described, but you should not solely rely on them and we will not be responsible if they do not always work as you expect. You should monitor the Products regularly to check that any functions are operating in the way you expect. 

We will use reasonable skill and care to ensure that the Online Services are safe and secure and do not contain viruses or other damaging property, however, we cannot guarantee that this will be the case or that no damage will occur to your data, software, devices or other digital content.

If we breach these terms, we are responsible for loss or damage you suffer that is a direct and foreseeable result of our breach, but we are not responsible for any loss or damage that is not direct or foreseeable. Loss or damage is foreseeable if either it is obvious it will happen or if, at the time you accepted these terms, both we and you knew it might happen.

We do not exclude or limit in any way our responsibility to you where it would be unlawful to do so. 

These terms do not affect: your legal rights as a consumer (where applicable); or your rights and our obligations under the Product Terms.

We are not responsible for events outside our control.  There are certain other things which we won’t be responsible for in any way. You understand and agree that:

• The Online Services may contain links to websites not provided by us and therefore not under our control. We have not checked or approved and are not responsible for their content or their privacy policies (if any). Your judgement about whether to use any such independent sites is therefore your own. 
• The Online Services are not intended to manage business investments and so we will have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
• If the Online Services damage a device or digital content belonging to you, we will either repair the damage or pay you compensation. However, we will not be liable for damage you could have avoided by applying updates or if you failed to correctly follow instructions or to have in place our minimum system requirements. We will not be responsible for any equipment, software or user documentation which someone other than us produces for use with the Online Services (e.g. authentication tools).

From time to time we may make changes to these terms. If we need to change these terms we will aim to provide you with at least 30 days’ notice by sending you information (typically an email) with details, or notifying you when you next access the Online Services. By continuing to use the Online Services (either via the App or online) after notification you accept the changes notified to you. If you do not want to accept the change, you can delete your Online Service profile at any time.

You can end this agreement and your obligations under these terms at any time by deleting your Online Service profile and (where applicable) deleting the App from your mobile device. Your right to use the Online Services will end automatically if you do this. Ceasing to use the Online Services will not affect the Products, which will remain subject to the relevant Product Terms (unless we have advised you that the relevant Products can only be accessed via the Online Services in which case we may close the relevant Product and will confirm the same to you).

We may end your right to use the Online Services by contacting you if:

• we withdraw or stop supporting the Online Services for any reason;
• we suspect that any profile or device used to access the Online Services is not secure or contains, or is vulnerable to, viruses or malicious software;
• you cease to hold the right, or otherwise the required permission, to access or use the Products provided by us;
• all the Products which you accessed via the Online Services are closed or your access authorisation is suspended for any reason; 
• continuing access for you imposes additional cost to us or we believe that it is appropriate in response to law or regulation (e.g. sanctions) or risk;
• you do not access the Online Service for 12 months; or
• you breach or we suspect you are in breach of these terms or the relevant Product Terms in a serious or repeated way. 

If what you have done can be put right we may give you reasonable opportunity to do so.

If we end your rights to use the Online Services:

• You must stop all activities authorised by these terms, including using the Online Services.

• You must delete or remove the App and all copies of it from all devices and, if we ask, confirm to us that you have done this.

• We may remotely remove the App from your devices and/or block access through your Online Services profile.

• It will not (unless we tell you otherwise) affect your rights to the Products.  Products can continue to be accessed through your St. James’s Place Partner or (in some cases) our contact centre.

All intellectual property rights in the Online Services (including the App downloaded to your device), and its content, throughout the world are owned by and belong to us (or our licensors). We grant you a limited right to use the Online Services subject to these terms and you do not have (and will not claim to have) any ownership rights or other permissions in or to the Online Services. In addition to use permissions, you may also take copies or print extracts of the Product information displayed on the Online Services solely for your own personal, non-commercial use.

For users of the App:

• Neither Apple Inc. Google LLC., their affiliates, nor any other third party, have any responsibilities or obligations to you in relation to the App or its content and will not provide any maintenance and support services for the App.
• The App uses and includes third-party software and copyrighted material. It is also subject to third-party licences. Further information on third party licences is found at the end of these terms.

We may transfer our rights and obligations under these terms to another organisation. We will always tell you in writing if this happens and ensure the transfer will not adversely affect your rights. You cannot transfer any of your rights and obligations under these terms to anyone else without our written approval.

If we do not insist immediately that you do anything required under these terms, or if we delay in taking steps in respect of your breach of these terms, that will not mean that you do not have to do those things and will not prevent us taking steps against you later.

Each of the paragraphs of these terms operates separately. If any court or relevant authority decides any of them are unlawful, the remaining paragraphs will remain in full force and effect.  These terms do not give rise to any rights to persons that are not named in Section 1 above.

These terms are governed by the laws of Hong Kong and legal proceedings under or connection with these terms can only be brought in the courts of Hong Kong (or by us in other locations where you are based or your assets are held).

Contacting us

If you want to talk to us about our Online Services (for example, if you’re having technical problems) you will be able to use the support service contact details that are available on our website. 

To contact us about a Product or other wealth management service then you should use the contact details in the relevant Product Terms or your usual St. James’s Place Partner contact.

Messaging through Online Services

The Online Services may include operation of a secure e-messaging facility. When active, secure e-messaging will allow us to send you secure messages, place notices and give you notifications about the Products you have with us, so it will be important that you check your secure messages and notifications regularly. If you send us a secure message, we’ll try to respond as soon as we can but you should know we can’t deal with all requests by secure message. In particular, you must not send us messages relating to: information relating to the Products; or, opening, amending or renewing Products, as these should be directed to your St. James’s Place Partner.

We’ll let you know if we can’t deal with your request. We also won’t respond to inappropriate messages.

Product providers and Partners

You understand that the Product and Product Terms may be held with different member of the St. James’s Place Group (where “St. James’s Place Group” or “SJP Group” refers to St. James’s Place plc and its subsidiaries from time to time), and that any information relating to the Products may be sourced from the various entities within St. James’s Place Group. For further details please consult the Product Terms. 

The “St. James’s Place Partnership” is a collective name for all of our advisers. In Hong Kong they operate as representatives of St. James’s Place (Hong Kong) Limited, “St. James’s Place Partner” refers to is an individual or business that is as a member of the St. James’s Place Partnership. 

The Online Services are provided to you by or on behalf of the entity detailed in Section 1 (further details below). Details on the Provider of each of your Products is available in your Product documentation.

These terms cover your use of our Online Services through which you can access relevant St. James’s Place products, services, and investments (together, the “Products”), and related tools and information. 

These terms are supplemental to the terms applicable to the Products you or where applicable, the account holder who authorises you to access the Products, have with the St James’s Place Group (the “Product Terms”). These terms do not alter the Product Terms.

• If there is a conflict between these terms and the Product Terms, these terms will apply in relation to your access and use of the Online Services only.
• The Online Services do not involve financial or investment or wealth management advice; please contact your financial adviser in this respect.
• You may not be able to access all products and services we offer through the Online Services and/or we may add or remove products and services you are entitled to access (individually or jointly with someone else) from us at any time.

You may not be able to access all products and services we offer through the Online Services and/or we may add or remove products and services you are entitled to access (individually or jointly with someone else) from us at any time.

By registering for our Online Services, or downloading the App, you agree to these terms and confirm that you are authorised to access the Products presented through the Online Services. 

To access our App, you may download it onto your mobile device. To download our App onto devices not owned by you, you must have the owner's permission. You are responsible for complying with these terms, whether or not you own the device. 

We will use your personal data in line with the applicable privacy policy (which can be found on our website) and relevant Product Terms. Our privacy policy explains how we will collect, use, disclose, transfer and store your personal information and includes details on your rights to your information. 

We will ask you to confirm your identity before using the Online Services. From time to time we may perform additional security checks to verify your identity to ensure Online Service users are authorised to access the relevant Products and associated information. 

You agree to us collecting and using technical information about the devices you use to access the Online Services to improve our products and services. This may include information obtained from cookies (files which are sent by us to your device). The type of cookies that we use (known as session cookies) only give us information about usage – they do not store personal information. To find out more please see our privacy policy.

When you register for the Online Services a profile will be created for you.  We will do what we reasonably can to prevent unauthorised access to your Online Services profile. You must also act reasonably to prevent misuse of your Online Service profile (including setting a secure password and keeping the password and any other access mechanisms confidential and secure, and (for App users) downloading the latest updates to the App). If you don’t, or we consider it appropriate for other reasons, we may restrict your access to the Online Services to protect against unauthorised access or use. 

If you sell or dispose of any device on which the App is installed or passwords or other access mechanisms are held, you must first remove them from the device. If someone else tries to access, or has accessed, your Online Services profile without your permission you must contact us as soon as possible.

You should also check the relevant Product Terms as they may tell you more about what you need to do to stay secure and further details on how we keep your information secure may also be found on our website. 

We may make changes to our Online Services to address security issues, introduce new tools or functionality or for other reasons. Depending on the update, you may not be able to continue to use the Online Services until you have accepted the changes, accepted any new terms, and (for App users) downloaded the latest version of the App. 

While we will make reasonable efforts to provide the Online Services we will not be responsible for times when the Online Services are unavailable. We do not make any warranty regarding availability of the Online Services or that your use will be free from any interruptions. 

The functionality of the Online Services depends both on the technology available and applicable law and regulation, depending on where you are located. What is available through the Online Services will therefore change over time.  Further, if you seek to use the Online Services from (or using an address/number/device registered) outside of our home jurisdiction (as shown in Section 18), then:

• we may remove access or restrict certain functionalities if it imposes additional cost or obligations on us, or we believe that it is appropriate in response to law or regulation (e.g. sanctions) or risk (such as security); and 
• you are responsible for ensuring compliance with applicable local laws and regulations.

We give to you a right to use the Online Services in the manner permitted by these terms and solely for your own use. You are not allowed to grant rights to anyone else in relation to the Online Services unless permitted by us and according to the relevant Product Terms.

You will only be able to use the Online Services if you hold, or have permission to access, certain products, services or investment information provided by us which are supported by the Online Services. Where you are accessing the Online Services as the registered contact for a Product holder or otherwise have been authorised by a Product holder to view information and act on their behalf regarding their Products – such access will be subject to additional terms and approval by us, with further information being available upon request.

If you cease to hold, or cease to have permissions to access, the Products then we may place restrictions on your access to or use of the Online Services. We may also place restrictions on access to or use of the Online Services in response to our assessment of risk or legal or regulatory requirements, and as a result, the functionality of the Online Services may vary between the jurisdictions in which we operate.

Please note that information shown on the Online Services may be subject to a time lag or otherwise be out of date.  If you receive advice from a St. James’s Place Partner in relation to the Products, please always contact your St. James’s Place Partner before making decisions regarding the Products. For the avoidance of doubt, no financial, investment, or wealth management advice is involved in or provided through the Online Services under any circumstances. 

If you think that action taken through the Online Services may have been incorrect, unauthorised, or not properly executed (perhaps due to delay or other error), then please contact your St. James’s Place Partner immediately. Please also contact your St. James’s Place Partner if you believe that there are errors in the information shown to you through the Online Service.  If you do not have a St. James’s Place Partner then alternative contact details are shown in Section 19.

We do not generally apply a charge for use of the Online Services but particular functions affecting the Products may result in charges under the Product Terms, or by others (such as your bank or tax authorities).  We have no control over, and are not responsible for, charges imposed by others.

You must not use our Online Services for anything other than accessing Products that you are authorised to access in accordance with these terms. In particular, you must not (and must not permit any other person to):

• use the Online Services for anything illegal or in any manner inconsistent with these terms (including without limitation any fraudulent or malicious act, for example, by hacking into or uploading any malicious code, such as viruses, or other harmful data);
• transmit or upload to the Online Services any material that is defamatory, offensive or otherwise objectionable in relation to your use of the Online Services; 
• copy, reproduce, modify, adapt, merge or tamper with the Online Services (or any part of it); 
• disassemble, de-compile, reverse engineer, copy, or create derivative works based on, the whole or any part of the Online Services nor attempt to do any such things; 
• collect data from us or our systems or attempt to decipher any transmissions to or from the servers;
• use any fund, product, investment data or other materials made available via the Online Services for anything other than for your information purposes (distribution of the data to other third parties for commercial or business purposes is not permitted) 
• use the Online Services on a device or computer which contains or is vulnerable to viruses or other damaging properties or which does not have up-to-date anti-virus, anti-spyware software, firewall and security patches installed on it; and/or
• use the Online Services in a way that could damage, disable, overburden, impair or compromise our systems or security or interfere with other users and their use of the Online Services.

The Online Services are provided “as is” and “as available” and it is your responsibility to use it in an appropriate way. 

Although we make reasonable efforts to update the information provided to you via the Online Services, we cannot guarantee that such information is accurate, error free, complete or up to date. We will take reasonable care to make sure that the tools and functionality provided in the Online Services work substantially as described, but you should not solely rely on them and we will not be responsible if they do not always work as you expect. You should monitor the Products regularly to check that any functions are operating in the way you expect. 

We will use reasonable skill and care to ensure that the Online Services are safe and secure and do not contain viruses or other damaging property, however, we cannot guarantee that this will be the case or that no damage will occur to your data, software, devices or other digital content.

If we breach these terms, we are responsible for loss or damage you suffer that is a direct and foreseeable result of our breach, but we are not responsible for any loss or damage that is not direct or foreseeable. Loss or damage is foreseeable if either it is obvious it will happen or if, at the time you accepted these terms, both we and you knew it might happen.

We do not exclude or limit in any way our responsibility to you where it would be unlawful to do so. 

These terms do not affect: your legal rights as a consumer (where applicable); or your rights and our obligations under the Product Terms.

We are not responsible for events outside our control.  There are certain other things which we won’t be responsible for in any way. You understand and agree that:

• The Online Services may contain links to websites not provided by us and therefore not under our control. We have not checked or approved and are not responsible for their content or their privacy policies (if any). Your judgement about whether to use any such independent sites is therefore your own. 

• The Online Services are not intended to manage business investments and so we will have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

• If the Online Services damage a device or digital content belonging to you, we will either repair the damage or pay you compensation. However, we will not be liable for damage you could have avoided by applying updates or if you failed to correctly follow instructions or to have in place our minimum system requirements. We will not be responsible for any equipment, software or user documentation which someone other than us produces for use with the Online Services (e.g. authentication tools).

From time to time we may make changes to these terms. If we need to change these terms we will aim to provide you with at least 30 days’ notice by sending you information (typically an email) with details, or notifying you when you next access the Online Services. By continuing to use the Online Services (either via the App or online) after notification you accept the changes notified to you. If you do not want to accept the change, you can delete your Online Service profile at any time.

You can end this agreement and your obligations under these terms at any time by deleting your Online Service profile and (where applicable) deleting the App from your mobile device. Your right to use the Online Services will end automatically if you do this. Ceasing to use the Online Services will not affect the Products, which will remain subject to the relevant Product Terms (unless we have advised you that the relevant Products can only be accessed via the Online Services in which case we may close the relevant Product and will confirm the same to you).

We may end your right to use the Online Services by contacting you if:

• we withdraw or stop supporting the Online Services for any reason;

• we suspect that any profile or device used to access the Online Services is not secure or contains, or is vulnerable to, viruses or malicious software;

• you cease to hold the right, or otherwise the required permission, to access or use the Products provided by us;

• all the Products which you accessed via the Online Services are closed or your access authorisation is suspended for any reason; 

• continuing access for you imposes additional cost to us or we believe that it is appropriate in response to law or regulation (e.g. sanctions) or risk;

• you do not access the Online Service for 12 months; or

• you breach or we suspect you are in breach of these terms or the relevant Product Terms in a serious or repeated way. 

If what you have done can be put right we may give you reasonable opportunity to do so.

If we end your rights to use the Online Services:

• You must stop all activities authorised by these terms, including using the Online Services.

• You must delete or remove the App and all copies of it from all devices and, if we ask, confirm to us that you have done this.

• We may remotely remove the App from your devices and/or block access through your Online Services profile.

• It will not (unless we tell you otherwise) affect your rights to the Products.  Products can continue to be accessed through your St. James’s Place Partner or (in some cases) our contact centre.

All intellectual property rights in the Online Services (including the App downloaded to your device), and its content, throughout the world are owned by and belong to us (or our licensors). We grant you a limited right to use the Online Services subject to these terms and you do not have (and will not claim to have) any ownership rights or other permissions in or to the Online Services. In addition to use permissions, you may also take copies or print extracts of the Product information displayed on the Online Services solely for your own personal, non-commercial use.

For users of the App: 

• Neither Apple Inc. Google LLC., their affiliates, nor any other third party, have any responsibilities or obligations to you in relation to the App or its content and will not provide any maintenance and support services for the App.

• The App uses and includes third-party software and copyrighted material. It is also subject to third-party licences. Further information on third party licences is found at the end of these terms.

We may transfer our rights and obligations under these terms to another organisation. We will always tell you in writing if this happens and ensure the transfer will not adversely affect your rights. You cannot transfer any of your rights and obligations under these terms to anyone else without our written approval.

If we do not insist immediately that you do anything required under these terms, or if we delay in taking steps in respect of your breach of these terms, that will not mean that you do not have to do those things and will not prevent us taking steps against you later.

Each of the paragraphs of these terms operates separately. If any court or relevant authority decides any of them are unlawful, the remaining paragraphs will remain in full force and effect.  These terms do not give rise to any rights to persons that are not named in Section 1 above.

These terms are governed by the laws of Singapore and legal proceedings under or connection with these terms can only be brought in the courts of Singapore (or by us in other locations where you are based or your assets are held).

Contacting us

If you want to talk to us about our Online Services (for example, if you’re having technical problems) you will be able to use the support service contact details that are available on our website. 

To contact us about a Product or other wealth management service then you should use the contact details in the relevant Product Terms or your usual St. James’s Place Partner contact.

Messaging through Online Services

The Online Services may include operation of a secure e-messaging facility. When active, secure e-messaging will allow us to send you secure messages, place notices and give you notifications about the Products you have with us, so it will be important that you check your secure messages and notifications regularly. If you send us a secure message, we’ll try to respond as soon as we can but you should know we can’t deal with all requests by secure message. In particular, you must not send us messages relating to: information relating to the Products; or, opening, amending or renewing Products, as these should be directed to your St. James’s Place Partner.

We’ll let you know if we can’t deal with your request. We also won’t respond to inappropriate messages.

Product providers and Partners

You understand that the Product and Product Terms may be held with different member of the St. James’s Place Group (where “St. James’s Place Group” or “SJP Group” refers to St. James’s Place plc and its subsidiaries from time to time), and that any information relating to the Products may be sourced from the various entities within St. James’s Place Group. For further details please consult the Product Terms. 

The “St. James’s Place Partnership” is a collective name for all of our advisers. In Singapore they operate as employees or representatives of St. James’s Place (Singapore) Private Limited. “St. James’s Place Partner” refers to is an individual or business that is as a member of the St. James's Place Partnership. 

The Online Services are provided to you by or on behalf of the entity detailed in Section 1 (further details below).  Details on the Provider of each of your Products is available in your Product documentation.

These terms cover your use of our Online Services through which you can access relevant St. James’s Place products, services, and investments (together, the “Products”), and related tools and information.  

These terms are supplemental to the terms applicable to the Products you or where applicable, the account holder who authorises you to access the Products, have with the St James’s Place Group (the “Product Terms”). These terms do not alter the Product Terms

• If there is a conflict between these terms and the Product Terms, these terms will apply in relation to your access and use of the Online Services only.
• The Online Services do not involve financial or investment or wealth management advice; please contact your financial adviser in this respect.
• You may not be able to access all products and services we offer through the Online Services and/or we may add or remove products and services you are entitled to access (individually or jointly with someone else) from us at any time..

By registering for our Online Services, or downloading the App, you agree to these terms and confirm that you are authorised to access the Products presented through the Online Services. 

To access our App, you may download it onto your mobile device. To download our App onto devices not owned by you, you must have the owner's permission. You are responsible for complying with these terms, whether or not you own the device. 

We will use your personal data in line with the applicable privacy policy (which can be found on our website) and relevant Product Terms. Our privacy policy explains how we will collect, use, disclose, transfer and store your personal information and includes details on your rights to your information. 

We will ask you to confirm your identity before using the Online Services. From time to time we may perform additional security checks to verify your identity to ensure Online Service users are authorised to access the relevant Products and associated information. 

You agree to us collecting and using technical information about the devices you use to access the Online Services to improve our products and services. This may include information obtained from cookies (files which are sent by us to your device). The type of cookies that we use (known as session cookies) only give us information about usage – they do not store personal information. To find out more please see our privacy policy.

When you register for the Online Services a profile will be created for you.  We will do what we reasonably can to prevent unauthorised access to your Online Services profile. You must also act reasonably to prevent misuse of your Online Service profile (including setting a secure password and keeping the password and any other access mechanisms confidential and secure, and (for App users) downloading the latest updates to the App). If you don’t, or we consider it appropriate for other reasons, we may restrict your access to the Online Services to protect against unauthorised access or use. 

If you sell or dispose of any device on which the App is installed or passwords or other access mechanisms are held, you must first remove them from the device. If someone else tries to access, or has accessed, your Online Services profile without your permission you must contact us as soon as possible.

You should also check the relevant Product Terms as they may tell you more about what you need to do to stay secure and further details on how we keep your information secure may also be found on our website. 

We may make changes to our Online Services to address security issues, introduce new tools or functionality or for other reasons. Depending on the update, you may not be able to continue to use the Online Services until you have accepted the changes, accepted any new terms, and (for App users) downloaded the latest version of the App. 

While we will make reasonable efforts to provide the Online Services we will not be responsible for times when the Online Services are unavailable. We do not make any warranty regarding availability of the Online Services or that your use will be free from any interruptions. 

The functionality of the Online Services depends both on the technology available and applicable law and regulation, depending on where you are located. What is available through the Online Services will therefore change over time.  Further, if you seek to use the Online Services from (or using an address/number/device registered) outside of our home jurisdiction (as shown in Section 18), then:

• we may remove access or restrict certain functionalities if it imposes additional cost or obligations on us, or we believe that it is appropriate in response to law or regulation (e.g. sanctions) or risk (such as security); and 
• you are responsible for ensuring compliance with applicable local laws and regulations.

We give to you a right to use the Online Services in the manner permitted by these terms and solely for your own use. You are not allowed to grant rights to anyone else in relation to the Online Services unless permitted by us and according to the relevant Product Terms.

You will only be able to use the Online Services if you hold, or have permission to access, certain products, services or investment information provided by us which are supported by the Online Services. Where you are accessing the Online Services as the registered contact for a Product holder or otherwise have been authorised by a Product holder to view information and act on their behalf regarding their Products – such access will be subject to additional terms and approval by us, with further information being available upon request.

If you cease to hold, or cease to have permissions to access, the Products then we may place restrictions on your access to or use of the Online Services. We may also place restrictions on access to or use of the Online Services in response to our assessment of risk or legal or regulatory requirements, and as a result, the functionality of the Online Services may vary between the jurisdictions in which we operate.

Please note that information shown on the Online Services may be subject to a time lag or otherwise be out of date.  If you receive advice from a St. James’s Place Partner in relation to the Products, please always contact your St. James’s Place Partner before making decisions regarding the Products. For the avoidance of doubt, no financial, investment, or wealth management advice is involved in or provided through the Online Services under any circumstances. 

If you think that action taken through the Online Services may have been incorrect, unauthorised, or not properly executed (perhaps due to delay or other error), then please contact your St. James’s Place Partner immediately. Please also contact your St. James’s Place Partner if you believe that there are errors in the information shown to you through the Online Service.  If you do not have a St. James’s Place Partner then alternative contact details are shown in Section 19.

We do not generally apply a charge for use of the Online Services but particular functions affecting the Products may result in charges under the Product Terms, or by others (such as your bank or tax authorities).  We have no control over, and are not responsible for, charges imposed by others.

You must not use our Online Services for anything other than accessing Products that you are authorised to access in accordance with these terms. In particular, you must not (and must not permit any other person to):

• use the Online Services for anything illegal or in any manner inconsistent with these terms (including without limitation any fraudulent or malicious act, for example, by hacking into or uploading any malicious code, such as viruses, or other harmful data);
• transmit or upload to the Online Services any material that is defamatory, offensive or otherwise objectionable in relation to your use of the Online Services; 
• copy, reproduce, modify, adapt, merge or tamper with the Online Services (or any part of it); 
• disassemble, de-compile, reverse engineer, copy, or create derivative works based on, the whole or any part of the Online Services nor attempt to do any such things; 
• collect data from us or our systems or attempt to decipher any transmissions to or from the servers;
• use any fund, product, investment data or other materials made available via the Online Services for anything other than for your information purposes (distribution of the data to other third parties for commercial or business purposes is not permitted) 
• use the Online Services on a device or computer which contains or is vulnerable to viruses or other damaging properties or which does not have up-to-date anti-virus, anti-spyware software, firewall and security patches installed on it; and/or
• use the Online Services in a way that could damage, disable, overburden, impair or compromise our systems or security or interfere with other users and their use of the Online Services.

The Online Services are provided “as is” and “as available” and it is your responsibility to use it in an appropriate way. 

Although we make reasonable efforts to update the information provided to you via the Online Services, we cannot guarantee that such information is accurate, error free, complete or up to date. We will take reasonable care to make sure that the tools and functionality provided in the Online Services work substantially as described, but you should not solely rely on them and we will not be responsible if they do not always work as you expect. You should monitor the Products regularly to check that any functions are operating in the way you expect. 

We will use reasonable skill and care to ensure that the Online Services are safe and secure and do not contain viruses or other damaging property, however, we cannot guarantee that this will be the case or that no damage will occur to your data, software, devices or other digital content.

If we breach these terms, we are responsible for loss or damage you suffer that is a direct and foreseeable result of our breach, but we are not responsible for any loss or damage that is not direct or foreseeable. Loss or damage is foreseeable if either it is obvious it will happen or if, at the time you accepted these terms, both we and you knew it might happen.

We do not exclude or limit in any way our responsibility to you where it would be unlawful to do so. 

These terms do not affect: your legal rights as a consumer (where applicable); or your rights and our obligations under the Product Terms.

We are not responsible for events outside our control.  There are certain other things which we won’t be responsible for in any way. You understand and agree that:

• The Online Services may contain links to websites not provided by us and therefore not under our control. We have not checked or approved and are not responsible for their content or their privacy policies (if any). Your judgement about whether to use any such independent sites is therefore your own. 

• The Online Services are not intended to manage business investments and so we will have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

• If the Online Services damage a device or digital content belonging to you, we will either repair the damage or pay you compensation. However, we will not be liable for damage you could have avoided by applying updates or if you failed to correctly follow instructions or to have in place our minimum system requirements. We will not be responsible for any equipment, software or user documentation which someone other than us produces for use with the Online Services (e.g. authentication tools).

From time to time we may make changes to these terms. If we need to change these terms we will aim to provide you with at least 30 days’ notice by sending you information (typically an email) with details, or notifying you when you next access the Online Services. By continuing to use the Online Services (either via the App or online) after notification you accept the changes notified to you. If you do not want to accept the change, you can delete your Online Service profile at any time.

You can end this agreement and your obligations under these terms at any time by deleting your Online Service profile and (where applicable) deleting the App from your mobile device. Your right to use the Online Services will end automatically if you do this. Ceasing to use the Online Services will not affect the Products, which will remain subject to the relevant Product Terms (unless we have advised you that the relevant Products can only be accessed via the Online Services in which case we may close the relevant Product and will confirm the same to you).

We may end your right to use the Online Services by contacting you if:

• we withdraw or stop supporting the Online Services for any reason;

• we suspect that any profile or device used to access the Online Services is not secure or contains, or is vulnerable to, viruses or malicious software;

• you cease to hold the right, or otherwise the required permission, to access or use the Products provided by us;

• all the Products which you accessed via the Online Services are closed or your access authorisation is suspended for any reason; 

• continuing access for you imposes additional cost to us or we believe that it is appropriate in response to law or regulation (e.g. sanctions) or risk;

• you do not access the Online Service for 12 months; or

• you breach or we suspect you are in breach of these terms or the relevant Product Terms in a serious or repeated way. 

If what you have done can be put right we may give you reasonable opportunity to do so.

If we end your rights to use the Online Services:

• You must stop all activities authorised by these terms, including using the Online Services.

• You must delete or remove the App and all copies of it from all devices and, if we ask, confirm to us that you have done this.

• We may remotely remove the App from your devices and/or block access through your Online Services profile.

• It will not (unless we tell you otherwise) affect your rights to the Products.  Products can continue to be accessed through your St. James’s Place Partner or (in some cases) our contact centre.

All intellectual property rights in the Online Services (including the App downloaded to your device), and its content, throughout the world are owned by and belong to us (or our licensors). We grant you a limited right to use the Online Services subject to these terms and you do not have (and will not claim to have) any ownership rights or other permissions in or to the Online Services. In addition to use permissions, you may also take copies or print extracts of the Product information displayed on the Online Services solely for your own personal, non-commercial use.

For users of the App: 

• Neither Apple Inc. Google LLC., their affiliates, nor any other third party, have any responsibilities or obligations to you in relation to the App or its content and will not provide any maintenance and support services for the App.

• The App uses and includes third-party software and copyrighted material. It is also subject to third-party licences. Further information on third party licences is found at the end of these terms.

We may transfer our rights and obligations under these terms to another organisation. We will always tell you in writing if this happens and ensure the transfer will not adversely affect your rights. You cannot transfer any of your rights and obligations under these terms to anyone else without our written approval.

If we do not insist immediately that you do anything required under these terms, or if we delay in taking steps in respect of your breach of these terms, that will not mean that you do not have to do those things and will not prevent us taking steps against you later.

Each of the paragraphs of these terms operates separately. If any court or relevant authority decides any of them are unlawful, the remaining paragraphs will remain in full force and effect.  These terms do not give rise to any rights to persons that are not named in Section 1 above.

These terms are governed by the laws applicable to the DIFC and legal proceedings under or connection with these terms can only be brought in the courts of the DIFC (or by us in other locations where you are based or your assets are held).

Contacting us

If you want to talk to us about our Online Services (for example, if you’re having technical problems) you will be able to use the support service contact details that are available on our website. 

To contact us about a Product or other wealth management service then you should use the contact details in the relevant Product Terms or your usual St. James’s Place Partner contact.

Messaging through Online Services

The Online Services may include operation of a secure e-messaging facility. When active, secure e-messaging will allow us to send you secure messages, place notices and give you notifications about the Products you have with us, so it will be important that you check your secure messages and notifications regularly. If you send us a secure message, we’ll try to respond as soon as we can but you should know we can’t deal with all requests by secure message. In particular, you must not send us messages relating to: information relating to the Products; or, opening, amending or renewing Products, as these should be directed to your St. James’s Place Partner.

We’ll let you know if we can’t deal with your request. We also won’t respond to inappropriate messages.

Product providers and Partners

You understand that the Product and Product Terms may be held with different member of the St. James’s Place Group (where “St. James’s Place Group” or “SJP Group” refers to St. James’s Place plc and its subsidiaries from time to time), and that any information relating to the Products may be sourced from the various entities within St. James’s Place Group. For further details please consult the Product Terms. 

The “St. James’s Place Partnership” is a collective name for all of our advisers. In the DIFC they are employees of St. James’s Place (Middle East) Limited “St. James’s Place Partner” refers to is an individual or business that is as a member of the St. James's Place Partnership.

The Online Services are provided to you by or on behalf of the entity detailed in Section 1, (further details below).  Details on the Provider of each of your Products is available in your Product documentation.