Wealth and Investment Customer Portal Terms of Use

1. Introduction

This document contains the Terms of Use (‘Conditions’) applicable to Our Wealth and Investment Customer Portal (the ‘Platform’). These Conditions are in addition to Your Supplementary Terms and Conditions for the Wealth and Investment Platform and our Privacy Policy that can be accessed via the Link on the Platform.

If there is a difference between these Conditions and Your Supplementary Terms and Conditions for the Wealth and Investment Platform, in respect of Your use of the Service, then these Conditions shall apply. If there is a difference between these Conditions and Your Supplementary Terms and Conditions for the Wealth and Investment Platform in respect of other aspects of Your Account, the Conditions in Your Supplementary Terms and Conditions for the Wealth and Investment Platform shall apply.

2. Definitions

Terms used in these Conditions should be interpreted as defined in the Supplementary Terms and Conditions for the Wealth and Investment Platform, with the exception of the following additional items:

‘Conditions’ means these Terms of Use;

‘Mobile Device’ means a telephone or other device with access to a cellular radio system that allows users to make and receive telephone calls, text messages and utilise data services among other features, that can be used over a wide area without a physical connection to a network and through which a customer may access and use any Service such as a mobile smartphone, tablet computer, or similar service;

‘Our Website’ means the website address at www.santanderinternational.co.uk;

‘Platform’ means the Wealth and Investment Customer Portal;

‘We’, ‘Our’ and ‘Us’ means Santander International, which is the trading name of Santander Financial Services plc, acting through its Isle of Man and Jersey branches;

‘Website Legal’ means the conditions of use which govern the use of Our Website, and which can be found on Our Website;

‘You’ and ‘Your’ means the person who registers for or activates the Portal;

‘Your Equipment’ means all such compatible equipment and devices, software, communication lines (including public communication lines) and other Mobile Devices used and required by You to properly access any of the Services.

Please read these Conditions carefully, print them and keep them in a safe place as You may want to refer to them in the future. You can request all appropriate information together with a copy of these Conditions, the Supplementary Terms and Conditions for the Wealth and Investment Platform and full details about the Service at any time via Our Website, by contacting Us or via Our Telephone Banking service.

3. Wealth and Investment Customer Portal (the ‘Platform’)

3.1 The Wealth and Investment Customer Portal (the ‘Platform’) allows You to access and view details of your portfolio of investments.

3.2 We will provide You with access to the Platform along with instructions on how to use it.

3.3 The right to use the Platform is restricted to Your own use only, and You should not allow any other persons access to it or share Your login details. If You wish to allow a third party to operate the Platform on Your behalf, You must provide Us with suitable evidence of the authorisation of that third party.

3.4 The Platform can be accessed by You using Your login details provided to You in Your Welcome Pack. You must not share Your login details with anyone else, and You must notify Us immediately on becoming aware of unauthorised access to the Investment Account, or if You suspect that Your password security has been compromised.

3.5 You agree that We may communicate with You electronically, including the provision of portfolio documentation, via the Platform.

4. Specification and Performance of the Service

4.1 You are responsible for ensuring that any IT equipment and Your internet connection that You use to access the Platform will be sufficient to ensure full functionality of the Platform.

4.2 We cannot guarantee:

1. 1. the speed at which You will be able to access and use the Portal;
   2. that You will have uninterrupted or continuous access to the Platform.

5. Paper Statements

5.1 By default, We make Contract Notes and Portfolio Valuations available in the Platform and We do not issue paper unless You ask Us to. You can amend Your preference at any time by contacting Us. If the Investment Account is held jointly, the paper Statement will be sent to the Correspondence Address of the first named Account holder.

6. Security

6.1 You must:

1. 1. memorise Your Login Details and securely destroy anything containing Login Details as soon as You receive it. When You set or change Your Login Details, You must ensure these cannot be easily guessed, e.g. do not use Your date of birth for Your Password. Never write down or record Your Login Details in a way that they could be understood by anyone else. Never allow anyone else to use Your Login Details;
   2. not quote the Login Details when You contact Us unless You are providing the information to Us in response to questions We ask as part of Our security procedures when You call Our Telephone Banking service. When You give any Security Details over the phone, You must make sure that You cannot be overheard. Neither the Police nor Us will ever contact You to ask You to reveal Your Login Details;
   3. always access the Platform by typing Our Website address into Your web browser. Never go to Our Online Banking service from a link in an email and enter Your Login Details;
   4. only enter an item of Your Login Details when You are requested to do so by the Platform screen;
   5. never use computer software or a computer browser facility to record Your Login Details apart from Your ID which You may choose to store on Your Equipment;
   6. take reasonable steps to keep Your Equipment (including Your personal computer, any device and any mobile phone You have registered with Us for use of any of Our Service) secure and do not leave Your Equipment unattended without locking access to it so that it cannot be used to access or use the Service. If You lose Your Equipment, including any confidential, sensitive or personal information contained in it or it is stolen or You become aware that third parties have gained access Your Equipment You must notify Us immediately and change Your Security Details. If You fail to tell Us then We are not responsible if Your Account information becomes known to someone else where We have continued the use of the Service unaware of such loss or that a third party has gained access to Your Equipment. You should also protect Your Equipment’s software from any viruses and attacks by third parties by using the latest anti-virus software and a personal firewall as appropriate;
   7. be satisfied that no other person can see, overhear or copy Your Login Details and never access the Portal from any computer, mobile phone or device connected to a public internet wi-fi network or access point such as an internet café;
   8. follow the security procedures which are recommended by the manufacturer or service provider of the computer, device or mobile phone which You use to access any Service.

6.2 If You believe that Your Security Details may have been misused or You believe that Your Security Details have become known to another person, then You must notify Us as soon as possible by telephoning 08000 84 28 88 or if You call from overseas +44 (0)1624 641 888.

6.3 We may, without obtaining Your prior permission, give information to the Police or to a regulatory authority about You with regards any misuse or abuse of Your Login Details or of the Service.

6.4 We may ask You to change Your Login Details at any time and for any reason. You must change Your Login Details if We ask You to. We will tell You how to use Your Security Details and how and when You need to change them.

6.5 You must always exit any Service (including any device or mobile phone) when leaving Your Equipment unattended and before You allow anyone else to use Your Equipment. Please be aware of other people around You (for example in public places such as cafés). You must close Your browser session once You have logged out of the Service and close any other device or mobile phone used to access the Service.

6.6 Please act on any additional instructions We give You. Any additional instructions will reflect good security practice, taking account of developments in e-commerce.

6.7 It is a condition of Your use of the Platform that You follow the safeguards set out in these Conditions.

Santander International is the trading name of Santander Financial Services plc, Jersey Branch and Santander Financial Services plc, Isle of Man Branch. Santander Financial Services plc is incorporated in England and Wales with number 2338548 and its registered office is 2 Triton Square, Regent’s Place, London NW1 3AN, United Kingdom. Santander Financial Services plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Santander Financial Services plc’s Financial Services Register number is 146003. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/register. Santander Financial Services plc, Jersey Branch has its principal place of business at 13-15 Charing Cross, St Helier, Jersey JE2 3RP, Channel Islands and is regulated by the Jersey Financial Services Commission. Santander Financial Services plc, Isle of Man Branch has its principal place of business at 19-21 Prospect Hill, Douglas, Isle of Man IM1 1ET and is regulated by the Isle of Man Financial Services Authority. www.santanderinternational.co.uk

The value of investments and any income from them can go down as well as up and you may get back less than the full amount you invested. Investments should be held for the medium to long term, typically for at least 5 years or more. If you cash in some or all of your investments, particularly in the early years, you may get back less than you paid in. Some funds carry more risk in order to give greater potential returns. No advice on investments has been given. If you are in any doubt as to whether the investment service is suitable for you, you should seek advice from a suitably qualified adviser. Santander International does not provide tax advice to its clients. The tax treatment depends on your individual circumstances and may be subject to change in the future.

Terms and Conditions available on request. Santander and the flame logo are registered trademarks. The latest audited accounts are available upon request. Calls to Santander International are recorded and may be monitored for security and training purposes.