important information

Before using this site, you should read the following important information relating to it. This information governs your use of this site and, by using it, you agree to be bound by our terms. If you do not agree please exit this website immediately. The contents of this website, including these terms, are subject to change by us without notice.

The products and services are not offered to any person or entity in any jurisdiction where the advertisement, offer or sale of such products and services is restricted or prohibited by law or regulation or where RBS International would be subjected to any registration or licensing requirement.

This website is designed to be accessed through its principal product home pages and such other pages as we may decide. If you access the site through individual pages directly, which are not designed for this purpose, you may not see important information which is relevant to a full understanding of our products and services. In addition to this Important Information page, you will be referred on certain site pages to read “Important Information”. These will contain important product details and relevant legal or regulatory information and must be read together with the relevant site pages.

All references on this website to Coutts are RBS International t/a Coutts Crown Dependencies unless stated to the contrary.

Certain aspects of RBS International t/a Coutts Crown Dependencies service may be performed through, or with the support of, different members of The NatWest Group, of which RBS International t/a Coutts Crown Dependencies is a member.

The terms and conditions of use of this website are governed by the law of Jersey and any dispute regarding this website or arising as a result of the use of this website shall be subject to the exclusive jurisdiction of the Royal Court of Jersey.

The access to and issue, publication, distribution, duplication or other dissemination of all or part of any of the material contained on this site is restricted by law and / or regulation in certain jurisdictions. We therefore strongly recommend that persons accessing this site inform themselves about such restrictions in order that they may observe and comply with them

Nothing on this website should be construed as a solicitation or offer, or recommendation, to buy or sell securities or any other investment or banking product, or to provide any investment advice or service.

Past performance should not be taken as a guide to future performance.

The value of investments, and the income from them, can go down as well as up, and you may not recover the amount of your original investment.

Where an investment involves exposure to a foreign currency, changes in rates of exchange may cause the value of the investment, and the income from it, to go up or down.

Investments in emerging markets are subject to certain special risks, which include, for example, a certain degree of political instability, relatively unpredictable financial market trends and economic growth patterns, a financial market that is still in the development stage and a weak economy. 

Any tax reliefs referred to on this website are those available under current legislation, which may change, and their availability and value will depend on your individual circumstances.

In the case of some investments, you should be aware that there is no recognised market for them and that it may therefore be difficult for you to deal in them or to obtain reliable information about their value or the extent of the risks to which they are exposed.

Certain investments carry a higher degree of risk than others and are, therefore, unsuitable for some investors. Before contemplating any transaction, you should consider whether you require financial advice, please contact your relationship manager.

With regard to currency accounts, there is an exchange rate risk if the currency is not the depositor’s reference currency.

At RBS International t/a Coutts Crown Dependencies, we place great importance on providing the highest standards of service to our clients.

However, we recognise that occasionally we do make mistakes. In these instances, we encourage our clients to advise us of their complaints so that we have the opportunity to put matters right.

We aim to get your complaint resolved as quickly as possible by staff with the right experience, knowledge and authority.

We want to:

• make it easy for you to raise your complaint;
• listen to your complaint;
• consider your suggestions for how we can put matters right;
• make sure you are satisfied with how your complaint was handled and resolved;
• be efficient and fair in all of our dealings with you.

This page explains what to do if you have a complaint about our services. It also outlines the timescales you should expect for resolving complaints and who to contact if you are not satisfied with our response.

How and where to complain

If you are not satisfied with any aspect of our service or products, please advise your relationship manager in person, in writing, by telephone or email.

If your complaint relates to your relationship manager, please advise their Director whose details are Coutts Crown Dependencies, Royal Bank House, 71 Bath Street, St. Helier, Jersey, JE4 8PJ.

How long will it take?

Taking the day of receipt as the first business day, our aim is to contact you within two business days. We will address your concerns as soon as possible and within our regulatory guidelines. 

Five days

If we have been unable to resolve your complaint with you by the end of the fourth business day, we will write to you within five business days to:

• acknowledge receipt of your complaint;
• tell you who is dealing with your complaint;
• tell you how long we expect to take to resolve it.

Responding to your concerns

Should your concerns take us longer to resolve than we initially anticipated, we will contact you to update you on progress.

Within eight weeks

We will generally send you a ‘final response’ letter. This will clearly set out the Bank’s position with regard to your complaint and we will also provide a leaflet advising you how to contact the Financial Ombudsman to review your complaint if you are not happy with our resolution. You will receive a copy of their leaflet and will have six months from the date of our 'final response' letter to ask them to carry out a review.

In the Channel Islands you may ask the Financial Ombudsman to review your complaint if we have been unable to resolve it within three months.

The Financial Ombudsman acts independently of the Bank and provides a free service as an impartial adjudicator. You can contact the Financial Ombudsman at:

Channel Islands Financial Ombudsman (CIFO)
PO Box 114
Jersey, Channel Islands
JE4 9QG

Jersey phone number: +44 (0)1534 748610

Guernsey phone number: +44(0)1481 722218

Email: enquiries@ci-fo.org

Website: www.ci-fo.org

You must contact the Financial Ombudsman about your complaint within six months of receiving our resolution or they may not be able to review your complaint. You must also contact the Financial Ombudsman within six years of the event complained about or (if later) two years of when you could reasonably have been expected to become aware that you had a reason to complain.

After eight weeks

We appreciate that at times, your complaint may be particularly complex and on such occasions, it may take longer than eight weeks for us to come to a resolution. If this happens, we will write to you within the eighth week of your concerns being raised, to let you know why your complaint has not been fully resolved and what investigation has taken place.  We will also provide you with a timescale as to when you can expect a final response from us.

In the Isle of Man you may ask the Financial Ombudsman to review your complaint if we have been unable to resolve it within eight weeks

The Financial Ombudsman acts independently of the Bank and provides a free service as an impartial adjudicator. If together we cannot reach a satisfactory resolution you may refer your complaint to the Financial Ombudsman. You can contact the Isle of Man Financial Services Ombudsman at:

The Financial Services Ombudsman Scheme

Government Building
Lord Street
Douglas
Isle of Man
IM1 1LE

Telephone: +44 (0)1624 686500

Fax: +44 (0)1624 686504

Email: ombudsman@iomoft.gov.im

Website: www.gov.im/oft

You must bring a complaint to the Isle of Man Financial Services Ombudsman Scheme within six years of the act or omission which led to your complaint and within two years of when it should have come to your notice if you weren’t aware of it immediately. 

To maintain the security of its systems, protect its staff and detect fraud and other crimes, the NatWest Group (of which RBS International t/a Coutts Crown Dependencies is a part) reserves the right to monitor all internet communications, including web and e-mail traffic, into and out of its domains. Such monitoring includes, but is not limited to, checks for viruses and other malignant code, criminal activity and use or content which breaches the Group’s internal policies. The NatWest Group also reserves the right not to deliver any communication that breaches its internal policies.

This policy is relevant to Retail clients to whom RBS International t/a Coutts Crown Dependencies owes contractual or agency obligations. It sets out our standards and methodology and explains how we ensure business is conducted in line with current regulation