Terms and Conditions

Citi is committed to making its terms and conditions and other important information clear and transparent.

You can find details below of legal and regulatory information about us, our products and services, our approach to privacy, security, and terms and conditions for internet banking.

Please take some time to read through the information in this section carefully and contact us if you would like further explanation.

Website terms and conditions
Important legal and regulatory information about our products and services
Citi Online Security
Important information about us

Website terms and conditions

"We", "us" and "our" means Citibank International Limited, Citibank N.A., London Branch, Citibank N.A., Jersey Branch and Citi International Personal Bank. "Citi" means Citigroup Inc and its subsidiaries (including Citibank International Limited, Citibank N.A., London Branch, Citibank N.A., Jersey Branch and Citi International Personal Bank).

You understand that by accessing this Site you agree to be bound by the website terms and conditions. Please note that the products and services provided by Citi are subject to specific terms and conditions.

Our liability to you

Unless specifically stated otherwise in these terms and conditions, we shall not be liable to you for loss you may suffer in respect of the Site and any information on it, or in connection with the access of, use of, performance of, browsing in or linking to other sites from this Site or your use or inability to use the Site where your loss results from our breach of our duties or liabilities under the Financial Services and Markets Act 2000, negligence, wilful default of these terms and conditions, or fraud.

To the fullest extent permitted by law, we will accept no liability (whether in contract, tort or otherwise) in any other circumstances for loss of any kind, including (without limitation) direct, indirect, incidental, special or consequential damages, loss of any profit, goodwill or reputation, expenses or losses arising out of, or in connection with any error, omission, defect, computer virus or system failure, of whatever nature howsoever arising, even if expressly advised of the possibility of such loss or damages.

Information contained in this web site

Although we have taken all reasonable care to ensure that the information provided on this Site is accurate, we give no warranties of any kind, express or implied, with regard to the accuracy, timeliness or completeness of any such information.

This Site may also contain some material provided by third parties and we accept no responsibility or liability for the accuracy of such material, whether in contract, tort or otherwise.

Opinions and any other content of the Site are provided by us for your personal use and informational purposes only. They are subject to change without notice.

This Site does not contain information that is intended to be investment, legal, tax or other advice and should not be relied upon in making any investment or other decision. You should obtain relevant and specific professional advice before making any investment decisions.

Availability of the Site

We may for any valid reason alter the contents of, suspend or terminate access to the Site. We will use all reasonable efforts to ensure that all information on the Site is accurate and up to date. However no representations or warranties are given as to the reliability, accuracy and completeness of such information and you agree that we shall not be liable to you or any third party for any losses of whatever nature howsoever arising from any modification, suspension or discontinuation of the Site.

Local legal restrictions

This Site is not intended for distribution to, or use by, any person in any country where such distribution or use would be contrary to local law or regulation. None of the services or investments referred to in this Site are available to persons resident in any country where the provision of such services or investments would be contrary to local law or regulation. It is your responsibility to inform yourself about and observe any relevant local restrictions. In particular, the information contained on this Site is not directed at persons resident in the USA.

Links to third party websites

From time to time we may provide hyperlinks on this Site that may lead to websites maintained by third parties over which we have no control. The material on these websites has been produced by independent providers, which are not affiliated with Citi. Any opinions or recommendations expressed on third party sites are solely those of the independent providers, not of Citi. Any links to third party sites are provided solely as a convenience to you and at your own risk and we do not guarantee or give any warranty with respect to the information contained on such third party sites or sites linked to such sites. You agree that we shall not be liable for any losses of whatever nature arising from your reliance upon such information. We will make you aware when you are about to access these links and it will be your sole choice and at your own risk to proceed and access the link.

Copyright and trademarks

The content of this Site is the property of Citibank N.A., and/or its licensors and is protected by copyright and other intellectual property laws. It may be displayed, reformatted and printed for your personal, non-commercial use only. In using this Site you agree not to reproduce, retransmit or distribute the content of this Site to anyone without the prior written consent of Citibank N.A.,

CITI, Citibank and Arc Design, CITIBANK and CITIGROUP are trademarks and service marks of Citicorp and are used and registered throughout the world. Citibank N.A., Citigroup Inc. and their subsidiaries also claim rights in certain other trademarks and service marks contained in these web pages.

Internet e-mail

Messages sent over the Internet cannot be guaranteed to be completely secure as they are subject to possible interception or loss or possible alteration. Citi is 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 Citi or any message sent by Citi to you over the Internet.

Your information

By submitting your personal information to us on this Site, you specifically confirm that you have read, understood and agreed to our obtaining, processing and disclosing personal and financial information relating to you solely for the purposes detailed in and otherwise in accordance with our Privacy Policy and in these terms and conditions and waive to the fullest extent permissible under applicable law, any rights you may have in any jurisdiction under any secrecy or data protection laws with respect to any such information disclosed under these circumstances.

We may record and monitor calls made or received by us to maintain high quality service standards, to check instructions and for your protection and ours.

We may use the information submitted by you to contact you regarding Citi products and services, only with your consent. To do this we may have to transfer your data to countries outside the European Economic Area (EEA) including the USA. You understand that countries outside the EEA may not provide the levels of data protection as countries inside the EEA. However all data is held in accordance with our Privacy Policy and Terms of Business, which are available for you to read on our Site.

If at any time you do not wish us to continue to contact you, please let us know.

Law governing this Site

The laws of England and Wales govern the use of this Site and these terms and you agree that the Courts of England and Wales shall have jurisdiction on any matter or dispute in connection with or arising out of this Site and these terms and conditions.

Citi Online

The conditions of access to Citi Online are set out in the General Terms and Conditions governing your account with Citi. You should ensure you have read these carefully, as this explains your rights and responsibilities in respect of your use of Citi Online.

If you have any questions, please contact your Relationship Manager before accessing Citi Online.

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Important legal and regulatory information about our products and services

Not all of our products and services are available from all the jurisdictions in which we operate. Banking and investment services are made available through Citi licensed branches in London, Jersey and Switzerland and are limited to those which the relevant Citi branch has appropriate regulatory approvals to offer. Please note that London, Jersey and Switzerland have different legal, tax and regulatory rules (including different rules on investor protection). Clients considering these centres should seek independent advice as to which centre would be appropriate for their particular circumstances.

Deposits and investments

The UK Financial Services Compensation Scheme (the "Scheme") provides compensation in certain instances where Citibank N.A., London Branch or Citibank International Limited is unable, or likely to be unable, to satisfy protected claims against it. In such circumstances, the Scheme may provide compensation for claims relating to various services provided by Citibank N.A., London Branch or Citibank International Limited such as deposit-taking and investment business. However, the Scheme is governed by specific rules on compensation which determine your eligibility, the circumstances in which compensation will be available to you, and the limits on compensation payable to you. Any recovery under the Scheme is therefore subject to your specific circumstances, the nature of your claim and the specific rules of the Scheme. Most customers – including most individuals and small businesses – are covered by the Scheme.

Claims under the Scheme in relation to deposits and investment business are subject to maximum limits on compensation. These are published from time to time on the FSCS website. It is not possible to claim an amount in excess of the published limit even where the financial loss suffered or the amount of initial deposit or investment is higher. The compensation limit for deposits as at October 2012 is £85,000 per client per authorised firm. For joint Cash Accounts each Account Holder is treated as having a claim in respect of their share so, for a joint Cash Account held by two eligible depositors, the maximum amount that could be claimed would be £85,000 each (making a total of £170,000). The £85,000 limit relates to the combined amount in all of your Cash Accounts with us, including your share of any joint Cash Account, and not to each separate Cash Account.

The compensation limit for designated investment business as at October 2012 is £50,000 per client per authorised firm. The £50,000 limit relates to the combined amount applicable to designated investment business undertaken by us for you.

We will provide further information on the conditions governing compensation and the formalities which must be completed to obtain compensation upon request. More detailed information on the Scheme and up-to-date information on the compensation limits applicable is also available from the Scheme's website: www.fscs.org.uk.

We will provide further information on the conditions governing compensation and the formalities which must be completed to obtain compensation upon request. More detailed information on the Scheme is also available from the Scheme's website: www.fscs.org.uk or you can contact the Scheme at 7th Floor, Lloyds Chambers, Portsoken Street , London E1 8BN (Tel: 020 7741 4100; E-mail: enquiries@fscs.org.uk).

Citibank N.A., Jersey Branch is a member of the Depositors Compensation Scheme (the "DCS"), as set out in the Banking (Depositors Compensation)(Jersey) Regulations 2009.

The DCS offers protection for eligible deposits of up to £50,000 but only applies in respect of "eligible depositors", which includes individual natural persons, but does not, for example, include corporate clients or trustees. The DCS only applies in respect of "eligible deposits" which means cash deposits held with a bank in Jersey, such as Citibank N.A., Jersey Branch, but will not, for example, include any deposits held in banks outside Jersey or any investments held in Jersey or elsewhere. The maximum total amount of compensation is capped at £100,000,000 in any 5 year period.

Full details of the DCS are available on the States of Jersey website (www.gov.je) or on request.

Citibank (Switzerland) AG is a member of the Swiss depositor guarantee scheme as set out in the Swiss Federal Banking Act, which guarantees the repayment of deposits up to CHF100,000 per client, in the event of insolvency of Citibank (Switzerland) AG.

Depositors with Citibank N.A., London branch and/or Jersey branch or Citibank International Limited or Citibank (Switzerland) AG are not entitled to compensation from the compensation scheme administered by the US Federal Deposit Insurance Corporation (FDIC).

Prospective investors are advised that investment products carry risks. The risks outlined on this site are not intended to be a complete list of all risks and considerations relevant to our investment products or your decision to purchase. Before purchase, you will be made aware of the risks associated with your product.

Investments are not bank deposits, and are neither obligations of, nor guaranteed by, Citi, or any of its affiliates, unless otherwise stated. They are subject to investment risks, including possible loss of the principal amount invested. Past performance is not indicative of future results; investments can go down as well as up. This means you might get back less than you invested. Stock market investments should be viewed as a medium-term to long-term investment (at least five years).

Changes in rates of foreign exchange may cause the value of investments to go up or down. Investors investing in investment products denominated in non-local currency may be subject to risk of exchange rate fluctuations if the investment is not in your home currency, which could result in loss of principal if converted back to your home currency.

Credit facilities

All credit will be subject to the legislation enforceable in the jurisdiction in which it has been granted. Citi credit facilities are only available to those individuals who are of the legal age of majority. Written quotations are available on request. All credit facilities are subject to status, terms and conditions and repayable on demand. Interest rates are variable.

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Citi Online Security

Your security is very important to us.

We have gone to great lengths to ensure that your transactions with Citi Online are completely secure, so that your account is safe. Our security features use the very latest technology and processes.

Citi currently uses 3 forms of security to help safeguard your financial information. These are described below:

Strong encryption (128-bit)

All data sent to and from Citi is 'scrambled' and then 're-assembled' between Citi and your personal computer to protect your personal and financial information. Your PIN does not travel on the Internet during login authentication, and the session is Triple DES encrypted. This means nobody can intercept your PIN while you are using Citi Online.

Password

Your password must be entered every time you sign on to Citi Online. Remember, you must always keep your password and PIN confidential. You must not record you password on any software which retains it automatically, for example any "save password" feature on your Internet browser. In addition, you must not access Citi Online from any computer connected to a local area network of any public internet access device or access point without making sure that no-one else will be able to observe or copy your username, password or other security information.

Automatic Time Out

There is a security feature intentionally built-in to the system, which will terminate your secure Citi Online session when there is no activity for reasonable time. This is to help protect your account against unauthorised access. Remember, once you have logged on to Citi Online you should not leave your computer unattended or allow anyone else to use our computer until you have logged off. You are responsible for ensuring you have logged off at the end of each session.

Citi also ensures security of your banking account and ATM/debit card by using a Fraud Early Warning System (FEWS). We use our worldwide experience and technology to provide you the safest services.

Some simple steps you can take to ensure your security – we recommend you print these tips and keep them handy. These apply in addition to the terms set out in the General Terms and Conditions, which governs your use of Citi Online.

3 key tips to remember:

  • If you suspect a website is not what it purports to be, leave the site. Do not follow any of the instructions it may present you.
  • If you believe that someone is trying to commit fraud by pretending to be a Citi representative, please contact us immediately. We never ask your personal information, card number and PINs through e-mail.
  • Ask yourself if the information you are asked to provide makes sense for the activity you are engaged in. For example, an online auction site should not ask for your driver's license number or the PIN for your debit card. If a site or e-mail asks for information that doesn't feel right, do not respond.

Additional security tips:

  • Be alert for scam e-mails. These may appear to come from a trusted business or friend, but are designed to trick you into downloading a virus or jumping to a fraudulent website and disclosing sensitive information.
  • Do not reply to any e-mail that requests your personal information. Be very suspicious of any business or person who asks for your password, PIN or other highly sensitive information. Citi will never ask for any information of this nature in an e-mail. Please read our information on fraudulent emails.
  • Only open e-mails when the sender is someone you know. Be especially careful about opening an e-mail with an attachment. Even a friend may accidentally send an e-mail with a virus.
  • Be careful before you click on a link that is contained in an e-mail or other message. The link may not be trustworthy.
  • Do not send sensitive personal or financial information unless it is encrypted on a secure website. Regular e-mails are not encrypted.
  • Do business only with companies you know and trust.
  • Be aware! Fake "look alike" websites are designed to trick consumers and collect their personal information. Make sure that websites on which you transact business post privacy and security statements and review them carefully.
  • Verify the address of every website, known as the URL.
  • Make sure that the URL you want appears in the "address" or "location" box on your browser window. Some websites may appear to be legitimate but actually are counterfeits. Take a few extra seconds and type the URL yourself.
  • Look for the padlock symbol at the bottom right of a web page to ensure the site is running in secure mode BEFORE you input sensitive information.
  • Use strong passwords for your internet accounts. Choose passwords that are difficult for others to guess, and use a different password for each of your accounts. Use both letters and numbers and a combination of lower case and capital letters if the passwords are case sensitive.
  • Ensure that you change your password regularly and in any event at least once a month. We would advise you to memorise your PIN and password. Do not divulge these to anyone. You must not write down or record your password, PIN or other security information in a way that can be understood by anyone else. If you do write down your password, PIN or other security information, you must make a reasonable attempt to disguise it and you should not keep any record of it with your other account information. In particular you should not write these details down on your Citi card or keep them with your Citi card.
  • When you have finished using Citi Online you should log off, not just close your browser. You should follow the secure area exit instructions to ensure your protection.
  • Monitor your transactions. You must review your trade confirmations and notify us as soon as possible of any discrepancies and in any event within 48 hours of our sending the relevant trade confirmation to you.
  • You must also review the account statements and advices we send you as soon as you receive them to make sure that you are being charged only for transactions you made. Notify us immediately of any irregularities if you become aware that a transaction may have been unauthorised or incorrectly executed, and in any event no later than 13 months after the transaction date.
  • Make sure your home computer has up-to-date anti-virus software. Anti-virus software needs frequent updates to guard against new viruses, so make sure you download software updates as soon as you are notified that this is available.
  • Avoid conducting any banking transactions in an area where internet service is available to the public e.g. cyber cafes. It is very difficult to ensure these computers are free of any hacking programs which can capture your personal and/or account information. Should you have to perform transactions on public computers, please change your PIN, using your personal computer, after you have used a public computer. This is important because there could be a risk of capturing your keystrokes (including your card number and PIN) by certain programs running in the memory of the shared PC without your knowledge.

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Important information about us

Citibank International Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our firm reference number is 122342. Citibank International Limited has its registered office at Citigroup Centre, Canada Square, Canary Wharf, London E14 5LB. Registered number 01088249. © Citibank N.A. 2014. CITI, CITI and Arc Design are registered service marks of Citigroup Inc. Calls may be monitored or recorded for training and service quality purposes.

Citibank N.A., London Branch is authorised and regulated by the Office of the Comptroller of the Currency (USA) and authorised by the Prudential Regulation Authority.  Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority.  Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request. Our firm reference number with our UK regulators is 124704. Citibank N.A., London Branch is registered as a branch in the UK at Citigroup Centre, Canada Square, Canary Wharf, London E14 5LB. Registered number BR001018. Citibank N.A. is incorporated with limited liability in the USA. Head office: 399 Park Avenue, New York, NY 10043, USA. © Citibank N.A. 2014. CITI, CITI and Arc Design are registered service marks of Citigroup Inc. Calls may be monitored or recorded for training and service quality purposes.

Citibank N.A., Jersey Branch is regulated by the Jersey Financial Services Commission. Citi International Personal Bank is registered in Jersey as a business name of Citibank N.A. The address of Citibank N.A., Jersey Branch is P.O. Box 104, 38 Esplanade, St Helier, Jersey JE4 8QB. Citibank N.A., Jersey Branch is a participant in the Jersey Banking Depositor Compensation Scheme (the "DCS"), which offers protection for eligible deposits of up to £50,000 but only applies in respect of "eligible depositors", which includes individual natural persons, but does not, for example, include corporate clients or trustees. The DCS only applies in respect of "eligible deposits" which means cash deposits held with a bank in Jersey, such as Citibank N.A., Jersey Branch, but will not, for example, include any deposits held in banks outside Jersey or any investments held in Jersey or elsewhere. The maximum total amount of compensation is capped at £100,000,000 in any 5 year period. Full details of the DCS are available on the States of Jersey website (www.gov.je) or on request.

Citibank N.A. is incorporated with limited liability in the USA. Head office: 399 Park Avenue, New York, NY 10043, USA. © 2014, Citibank N.A. CITI, CITI and Arc Design are registered service marks of Citigroup Inc. Calls may be monitored or recorded for training and service quality purposes.

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