Email terms

General

The following terms and conditions outline the basis upon which we communicate by email. By communicating with us by email, you are taken to have accepted these terms and conditions. If you wish to object to any of these terms and conditions, you should not email us, and speak to your usual contact or the relevant office switchboard as noted on our website.

The issuing entity for each email is as noted on the relevant email footer (Issuing Entity). By ‘we and ‘us’ we mean the relevant Issuing Entity. By ‘Schroder Group’ we mean all or any direct and indirect subsidiary of Schroders plc (as the context indicates).

We amend these terms and conditions from time to time. Every time you communicate with us by email, please check this page for the latest version.

Terms and conditions which apply to all countries

  1. Confidentiality: the emails between us and you are, except where otherwise clearly indicated, confidential and for the intended addressee only. If sent to you in error, please notify us at postmaster@schroders.com and permanently delete the email forthwith from your system. Without the express prior written permission of the Schroder Group, or if required by law, you must not copy, disclose, or act upon, an email from us.
  2. Data protection and privacy: please be aware that messages sent to and from our systems will be stored and processed, and may be monitored, for security purposes, to protect our business, and to ensure compliance with legal and regulatory obligations and our internal policies.
  3. Licensing: any information, products or services referred to in any email from us, are not directed at, or offered to, anyone in a country or state where: advertising, offering or selling by us is not allowed by law or regulation, or we would have to register or obtain a licence which we do not currently have (our regulators are noted on this page). Distributing information in certain countries may be restricted by local law. As a result, you must be aware of, and keep to, any such restrictions.  
  4. Intellectual property: you acknowledge that we own or license all intellectual property rights in emails sent to you by us, and that we (and any person we have attributed authorship to) are the authors of such emails. Such rights are protected by laws and treaties around the world, and all such rights are reserved. You must not change or separate any sections of attachments or parts of such emails without prior agreement by us.
  5. Market data: Where FTSE International Limited (“FTSE”) data is used, “FTSE” is a trade mark of the London Stock Exchange Group of companies and is used by FTSE International Limited under licence. All rights in the FTSE indices vest in FTSE and/or its licensors. Neither FTSE nor its licensors accept any liability for any errors or omissions in the FTSE indices or underlying data. No further distribution of FTSE data is permitted without FTSE’s express written consent.
  6. Liability: unless expressly stated, any email: is for information purposes only; is provided on an “AS IS” basis; is current at the date of issue (or as so marked) only; may contain information from third parties which we and the third party cannot be liable to you for; and is supplied without any warranties, guarantees or representations as to accuracy or completeness. Except in the event of our negligence, wilful default or fraud, or where imposed by law or regulation (including under the Financial Services and Markets Act 2000 and FCA Rules), we will not be liable to you for any loss arising from an email sent by us to you. Furthermore, except where expressly indicated or within an agreed mandate, nothing in any email from us constitutes legal, tax, accounting, investment or other advice. Accordingly, you must not rely upon it, and should obtain specific professional advice before acting.
  7. Viruses: although we have taken steps to try to ensure that emails we send are secure and free from viruses, emails are not a secure method of communication, can be intercepted and cannot be guaranteed to be error or virus free.
  8. Law and jurisdiction:
    1. if you are a consumer, please note that these terms of use, their subject matter and their formation, are governed by English law. You and we both agree that the courts of England and Wales will have exclusive jurisdiction (except that if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland).
    2. if you are a business, these terms of use, their subject matter and their formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.
    3. Language: English shall be the official language for all communications between us, although we may also communicate with you in other languages. 
    4. Other: unless expressly indicated otherwise, all emails are subject to contract and email cannot be used for service of legal proceedings.

Country-specific terms and conditions

United Kingdom

  1. Issuing Entity: Schroder & Co. Limited, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Schroder & Co. Limited is entered on the FCA register under the following register number: 144206. Registered Office: 1 London Wall Place, London, EC2Y 5AU. Registered number: 2280926. Schroder & Co. Limited also operates under the brand/trading names Cazenove Capital and Cazenove Capital Management, Schroder Investment Solutions and Schroders Family Office Services.
  2. UK regulation: past performance is not a guide to future returns. You may not get back the amount originally invested, as the value of investments, and the income from them, can go down as well as up, and is not guaranteed. Exchange rate changes may also cause the value of overseas investments to rise or fall.  Except where noted or otherwise clearly identifiable as a financial promotion, emails to you from us are not intended to be a recommendation, or an offer or solicitation for the purchase or sale of any financial instrument. An email from us may contain or constitute a financial promotion or other types of marketing literature. Please read the warnings and any terms and conditions provided in or with such promotions carefully. 
  3. UK Client Terms of Business: if you are a client of ours, by communicating with us, you are taken to have accepted the Client Terms of Business as updated from time to time and available on request.
  4. MPS Terms of Business: if you are a financial adviser, by communicating with us, you are taken to have accepted the Terms of Business for Advisers as Agent, Model Portfolio Service (MPS) on Third Party Platforms, as updated from time to time and available on request.

USA

  1. Issuing Entity: Schroder Wealth Management (US) Limited, registered number 10761882 in England. Authorised and regulated by the Financial Conduct Authority.  Schroder Wealth Management (US) Limited is entered on the FCA register under the following register number: 781869. Registered Office: 1 London Wall Place, London EC2Y 5AU. Registered number: 10761882. Schroder Wealth Management (US) Limited is registered as an investment adviser with the US Securities and Exchange Commission pursuant to the Investment Advisers Act and is not registered in the United States as a commodity pool operator or broker-dealer.
  2. US regulation: past performance is not a guide to future returns. You may not get back the amount originally invested, as the value of investments, and the income from them, can go down as well as up, and is not guaranteed. Exchange rate changes may also cause the value of overseas investments to rise or fall.  Except where noted or otherwise clearly identifiable as a financial promotion, emails to you from us are not intended to be a recommendation, or an offer or solicitation for the purchase or sale of any financial instrument. Where noted or otherwise clearly identifiable as a financial promotion, an email from us may contain or constitute a financial promotion. Please read the warnings and terms and conditions on such promotions carefully, and do not consider the promotion if you cannot keep to its terms.
  3. USA Client Terms of Business: if you are a client of ours, by communicating with us, you are taken to have accepted the Client Terms of Business as updated from time to time and available on request.

Hong Kong

  1. Issuing Entity: Schroder & Co. (Hong Kong) Limited. Its registered number is 1814730, it is licensed and regulated by the Hong Kong Securities and Futures Commission, and it is located at Level 33, Two Pacific Place, 88 Queensway, Hong Kong, with its registered office address at Level 54, Hopewell Centre, 183 Queen’s Road East, Hong Kong.
  2. HK regulation: past performance is not a guide to future returns. You may not get back the amount originally invested, as the value of investments, and the income from them, can go down as well as up, and is not guaranteed. Exchange rate changes may also cause the value of overseas investments to rise or fall.  Except where noted or otherwise clearly identifiable as such, emails to you from us are not intended to be a recommendation, or an offer or solicitation for the purchase or sale of any interest in securities or other investment instruments (“financial instrument”). Please read the warnings and terms and conditions applicable to such financial instruments carefully, and do not consider the financial instrument if you cannot keep to its terms.
  3. HK Client Terms of Business: if you are a client of ours, by communicating with us, you are taken to have accepted the Client Terms of Business as updated from time to time and available on request.

Guernsey

  1. Liability: unless expressly stated, any email: is for information purposes only; is provided on an “AS IS” basis; is current at the date of issue (or as so marked) only; may contain information from third parties which we and the third party cannot be liable to you for; and is supplied without any warranties, guarantees or representations as to accuracy or completeness. Except in the event of our negligence, wilful default or fraud, or where imposed by law or regulation, we will not be liable to you for any loss arising from an email sent by us to you. Furthermore, except where expressly indicated or within an agreed mandate, nothing in any email from us constitutes legal, tax, accounting, investment or other advice. Accordingly, you must not rely upon it, and should obtain specific professional advice before acting.

  2. Law and jurisdiction:

    a. if you are a consumer, please note that these terms of use, their subject matter and their formation, are governed by Guernsey law. You and we both agree that the courts of Guernsey will have exclusive jurisdiction.

    b. if you are a business, these terms of use, their subject matter and their formation (and any non-contractual disputes or claims) are governed by Guernsey law. We both agree to the exclusive jurisdiction of the courts of Guernsey .

    c. Language: English shall be the official language for all communications between us, although we may also communicate with you in other languages. 

    d. Other: unless expressly indicated otherwise, all emails are subject to contract and email cannot be used for service of legal proceedings.

  3. Issuing Entity: Schroders (C.I.) Limited. Registered Office at Regency Court, Glategny Esplanade, St Peter Port, Guernsey GY1 3UF, Channel Islands. Registered number 24546 Guernsey. Schroders (C.I.) Limited also operates under the brand/trading names Cazenove Capital and Cazenove Capital Management.
  4.  Regulation: The company is incorporated in Guernsey and licensed by the Guernsey Financial Services Commission under The Banking Supervision (Bailiwick of Guernsey) Law 1994 and The Protection of Investors (Bailiwick of Guernsey) Law 1987. 
  5. Client Terms of Business: if you are a client of ours, by communicating with us, you are taken to have accepted the Schroders (C.I.) Limited Client Terms of Business as updated from time to time. If you do not have an up to date copy please contact your Relationship Manager.

Jersey

  1. Liability: unless expressly stated, any email: is for information purposes only; is provided on an “AS IS” basis; is current at the date of issue (or as so marked) only; may contain information from third parties which we and the third party cannot be liable to you for; and is supplied without any warranties, guarantees or representations as to accuracy or completeness. Except in the event of our negligence, wilful default or fraud, or where imposed by law or regulation, we will not be liable to you for any loss arising from an email sent by us to you. Furthermore, except where expressly indicated or within an agreed mandate, nothing in any email from us constitutes legal, tax, accounting, investment or other advice. Accordingly, you must not rely upon it, and should obtain specific professional advice before acting.

  2. Law and jurisdiction:

    a. if you are a consumer, please note that these terms of use, their subject matter and their formation, are governed by Guernsey law. You and we both agree that the courts of Guernsey will have exclusive jurisdiction.

    b. if you are a business, these terms of use, their subject matter and their formation (and any non-contractual disputes or claims) are governed by Guernsey law. We both agree to the exclusive jurisdiction of the courts of Guernsey .

    c. Language: English shall be the official language for all communications between us, although we may also communicate with you in other languages. 

    d. Other: unless expressly indicated otherwise, all emails are subject to contract and email cannot be used for service of legal proceedings.

  3. Issuing Entity: Schroders (C.I.) Limited. Registered Office at Regency Court, Glategny Esplanade, St Peter Port, Guernsey GY1 3UF, Channel Islands. Registered number 24546 Guernsey. The company’s Jersey branch address is IFC1, Esplanade, St Helier, Jersey, JE2 3BX. Schroders (C.I.) Limited also operates under the brand/trading names Cazenove Capital and Cazenove Capital Management.
  4. Regulation: Schroders (C.I.) Limited is regulated by the Jersey Financial Services Commission in the conduct of Investment Business.
  5. Client Terms of Business: the Jersey branch does not enter into contracts with clients itself: such clients are contracted with Schroders (C.I.) Limited in Guernsey. If you are a client of ours, by communicating with us, you are taken to have accepted the Schroders (C.I.) Limited Client Terms of Business as updated from time to time. If you do not have an up to date copy please contact your Relationship Manager.

Gibraltar

  1. Liability: unless expressly stated, any email: is for information purposes only; is provided on an “AS IS” basis; is current at the date of issue (or as so marked) only; may contain information from third parties which we and the third party cannot be liable to you for; and is supplied without any warranties, guarantees or representations as to accuracy or completeness. Except in the event of our negligence, wilful default or fraud, or where imposed by law or regulation, we will not be liable to you for any loss arising from an email sent by us to you. Furthermore, except where expressly indicated or within an agreed mandate, nothing in any email from us constitutes legal, tax, accounting, investment or other advice. Accordingly, you must not rely upon it, and should obtain specific professional advice before acting.

  2. Law and jurisdiction:

    a. if you are a consumer, please note that these terms of use, their subject matter and their formation, are governed by Guernsey law. You and we both agree that the courts of Guernsey will have exclusive jurisdiction.

    b. if you are a business, these terms of use, their subject matter and their formation (and any non-contractual disputes or claims) are governed by Guernsey law. We both agree to the exclusive jurisdiction of the courts of Guernsey .

    c. Language: English shall be the official language for all communications between us, although we may also communicate with you in other languages. 

    d. Other: unless expressly indicated otherwise, all emails are subject to contract and email cannot be used for service of legal proceedings.

  3. Issuing Entity: Schroders (C.I.) Limited, Gibraltar Representative Office. Registered Office at Regency Court, Glategny Esplanade, St Peter Port, Guernsey GY1 3UF, Channel Islands. Registered number 24546 Guernsey. The Gibraltar representative office address is World Trade Center, PO Box 1239, Office 5.11, Gibraltar. Schroders (C.I.) Limited also operates under the brand/trading names Cazenove Capital and Cazenove Capital Management.
  4. Gibraltar regulation: Schroders (C.I.) Limited is permitted by the Gibraltar Financial Services Commission under the Financial Services Act 2019 to operate a representative office.
  5. Client Terms of Business: the Gibraltar representative office does not enter into contracts with clients itself: such clients are contracted with Schroders (C.I.) Limited in Guernsey. If you are a client of ours, by communicating with us, you are taken to have accepted the Client Terms of Business as updated from time to time. If you do not have an up to date copy please contact your Relationship Manager.

Malta

  1. Liability: unless expressly stated, any email: is for information purposes only; is provided on an “AS IS” basis; is current at the date of issue (or as so marked) only; may contain information from third parties which we and the third party cannot be liable to you for; and is supplied without any warranties, guarantees or representations as to accuracy or completeness. Except in the event of our negligence, wilful default or fraud, or where imposed by law or regulation, we will not be liable to you for any loss arising from an email sent by us to you. Furthermore, except where expressly indicated or within an agreed mandate, nothing in any email from us constitutes legal, tax, accounting, investment or other advice. Accordingly, you must not rely upon it, and should obtain specific professional advice before acting.

  2. Law and jurisdiction:

    a. if you are a consumer, please note that these terms of use, their subject matter and their formation, are governed by Guernsey law. You and we both agree that the courts of Guernsey will have exclusive jurisdiction.

    b. if you are a business, these terms of use, their subject matter and their formation (and any non-contractual disputes or claims) are governed by Guernsey law. We both agree to the exclusive jurisdiction of the courts of Guernsey .

    c. Language: English shall be the official language for all communications between us, although we may also communicate with you in other languages. 

    d. Other: unless expressly indicated otherwise, all emails are subject to contract and email cannot be used for service of legal proceedings.

  3. Issuing Entity: Schroders (C.I.) Limited, Registered Office at Regency Court, Glategny Esplanade, St Peter Port, Guernsey GY1 3UF, Channel Islands. Registered number 24546 Guernsey. Schroders (C.I.) Limited also operates under the brand/trading names Cazenove Capital and Cazenove Capital Management.
  4. Malta regulation: Schroders (C.I.) Limited has an exemption as an Investment Manager in respect of the Retirement Pensions Act 2011 (Cap. 514). Schroders (C.I.) is not authorised and regulated by the Malta Financial Services Authority (MFSA) for the conduct of banking, investment and insurance mediation (or other) business. The company’s activity in Malta is subject to the MFSA granted exemption only.
  5. Client Terms of Business: Maltese clients are contracted with Schroders (C.I.) Limited in Guernsey. If you are a client of ours, by communicating with us, you are taken to have accepted the Client Terms of Business as updated from time to time. If you do not have an up to date copy please contact your Relationship Manager.

Singapore

  1. Issuing Entity: Schroder & Co. (Asia) Limited. Its registered number is 200719040Z, it is regulated by the Monetary Authority of Singapore, and its registered office address at 138 Market Street, #23-02, CapitaGreen, Singapore 048946.
  2. Singapore regulation: past performance is not a guide to future returns. You may not get back the amount originally invested, as the value of investments, and the income from them, can go down as well as up, and is not guaranteed. Exchange rate changes may also cause the value of overseas investments to rise or fall.  Except where noted or otherwise clearly identifiable as such, emails to you from us are not intended to be a recommendation, or an offer or solicitation for the purchase or sale of any interest in securities or other investment instruments (“financial instrument”). Please read the warnings and terms and conditions applicable to such financial instruments carefully, and do not consider the financial instrument if you cannot keep to its terms.
  3. Singapore Client Terms of Business: if you are a client of ours, by communicating with us, you are taken to have accepted the Client Terms of Business as updated from time to time here (https://www.schroders.com/en/sg/wealth-management/) and available on request.
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The use of this site is subject to you having read and accepted our Important Information, which differ dependent on the website jurisdiction.

Issued by Schroder & Co. Limited. Registered Office at 1 London Wall Place, London EC2Y 5AU. Registered number 2280926 England. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. 

Financial Services Compensation Scheme: Your eligible deposits with Schroder & Co. Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (“FSCS”), the UK’s deposit protection scheme. This limit is applied to the total of any deposits you have with the following: Cazenove Capital, Cazenove Capital Management, Schroders Wealth Management, Schroders Private Banking, Schroders Private Bank, Schroders Charities. Any total deposits you hold above the £85,000 limit across all brands are unlikely to be covered. The Depositor Protection Schemes available vary by jurisdiction and Schroder Wealth Management entity. Further details are available on request.

The value of your investments and the income received from them can fall as well as rise. You may not get back the amount you invested.