Website Terms & Conditions

Please read the following information, which sets out the basis upon which access to the Brown Shipley & Co. Limited website ('Site') and online services is made available. The information on this Site is intended solely for people who are resident in the United Kingdom for tax and investment purposes and should not be relied upon by any other persons outside the United Kingdom.

1. Introduction

1.1 Certain areas of the Site ('Private Area') will only be available to you if you are our client and have accepted these Terms & Conditions ('Terms') in writing. See paragraph 9 for registration procedures.

1.2 Whilst we will endeavour to retain the Site as operational, certain technical difficulties may arise from time to time which may result in service interruption, therefore we can give no guarantee that our Site will remain available for access at all times.

2. Material

2.1 Brown Shipley or our licensors own all copyright and other intellectual property rights in relation to the material and content available on the Site or which is sent to you by e-mail, and in relation to the services offered and the concepts reflected in the Site ('Material'). Material is available for your sole use and shall not be used by you for any commercial purposes. Except as expressly permitted, you are not entitled to reproduce, modify or in any other way use or supply the Material.

2.2 You acknowledge that it is your responsibility to evaluate Material and that you are not to place any reliance upon the completeness, accuracy or usefulness of any Material or any opinion expressed by us on the Site. Nothing on the Site should be taken to constitute a recommendation by us or to constitute advice by us to you, it being your sole responsibility to take your own professional advice in relation to such Material.

2.3 The information, material and content provided in the pages of the Site, or any Local Site(group)  may be changed at any time without notice. We may change the Terms and Conditions at any time by updating these pages. You agree to review any applicable terms and conditions regularly and that your use of any part of this Site will be subject to any such changes once they are made.

3. Regulatory and financial

3.1 Brown Shipley is a trading name of Brown Shipley & Co. Limited, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Brown Shipley's parent company is Quintet Private Bank (Europe) S.A. ('Quintet Group') which, from Luxembourg, heads a major European network of private bankers.

Brown Shipley is registered in England and Wales under company number 398426 whose registered office is at 2 Moorgate, London EC2R 6AG.

• Investing puts your capital at risk

• Past performance is not a guarantee of future performance

• The value of investments and the income from them can go down as well as up

• Where underlying investments are based abroad, domestic upheaval and changes in currency exchange rates mean that the value of the investment can go up or down

• UK taxation, law and practice may be subject to change without notice

• Any tax relief mentioned is that currently available, subject to change and dependent upon individual circumstances

3.2 Brown Shipley is a participant in the Financial Services Compensation Scheme ('FSCS') established under the Financial Services & Markets Act 2000 which, subject to certain exceptions, provides limited compensation in respect of eligible liabilities if we are declared in default. Deposits made by individuals and small firms are protected by the FSCS.

Where you make a deposit with us, payments under the scheme are limited to 100% of the first £85,000 of your total deposits with us. For joint deposits, both partners would be eligible to receive up to a total of £85,000 each. Further information can be obtained from the FSCS, which can be found by visiting https://www.fscs.org.uk.

If you are in any doubt about the information contained in the FSCS website or you are unsure whether any of the investments are suitable for you, we strongly recommend that you contact your financial adviser, stockbroker, lawyer, accountant, bank manager or other professional adviser.

4. Trademarks and copyright - All copyright and other intellectual property rights in relation to the Site are our property or the property of our licensors and all rights are reserved. You shall not copy, reproduce, transmit, store or modify the content of the Site or use any such trademarks or trade names, including but not limited to our registered trademark Brown Shipley, without our prior written consent.

5. Links - You may be entitled to link from the Site to the websites of third parties ('Third Party Sites'). We have no control over the content of such sites and therefore cannot accept any responsibility for any material that is accessible from such sites and cannot guarantee that such sites will remain available for access. In particular, but without limitation, we have no liability to you in respect of any loss or damage that you incur through placing reliance upon any information or material accessible on Third Party Sites or as a consequence of you being unable to link to such sites from our Site. You will not create any hypertext links to any part of the Site without our prior approval.

6. Changes to these Terms - We may, at our sole discretion, change these Terms. If we do so, we shall post a change notice on our Site indicating the change and by continuing to access the Site, you shall be deemed to have accepted such change.

7. Money laundering - Under the money laundering regulations we are required to obtain evidence of an investor's identity. The services to be provided by us and any investments are subject to satisfactory documentary evidence of identity.

8. Data protection - We comply with the UK General Data Protection Regulation ('UK GDPR') and other applicable UK data protection and privacy legislation. Any personal information you may provide to us in response to the Site may be retained to fulfil our legal and regulatory requirements, and to provide you with the products and/or services you have requested. Please read the Quintet Private Bank Privacy Notice for further information on how Brown Shipley and the Quintet Group may use your personal data, which can be found by visiting Brown Shipley Privacy & Cookies.

9. Private Area - Access to the Private Area of the Site is only available to clients who have accepted our Terms in writing and who have been accepted by us for registration. We reserve a total discretion as to whether or not to accept clients for registration. Registration can be withdrawn at any time by us notifying you in writing.

10. Purchase or supply of products and/or services through the Site - Should you purchase products and/or services from third parties who offer such products or services for supply on the Site or any Third Party Sites, or should you have any business dealings with any person whose details are available through the Site or any Third Party Sites, then such purchases or dealings are carried out at your sole risk and we have no responsibility or liability for any loss or damage that you suffer as a consequence of such purchases or dealings. 

11. Global use - The nature of the World Wide Web is such that the Site can be accessed by users from any part of the world and it is therefore your responsibility to ensure that you comply with all applicable laws regarding access to the Site, services and/or use of information contained on the Site, including the transmission and export of technical or other data anywhere in the world. We give no warranties, express or implied that the services and/or information available on the Site (or the availability of such services or information) are in compliance with the applicable laws or regulations of any jurisdiction other than the jurisdiction applicable within the UK. If it is prohibited to make the information available in jurisdictions outside of the UK, then such services or information are not directed at such jurisdictions.

12. Disclaimers

12.1 Your use of our Site is at your sole risk. We give no warranty or guarantee as to the accuracy, completeness or relevance of the information available on the Site and, to the fullest extent permitted by law, we exclude all warranties, conditions and other terms implied by statute or law with respect to the services and your use of the Site. We shall have no liability to you other than as may expressly be provided for in these Terms.

12.2 Whilst we will use our reasonable endeavours to maintain the services, we cannot give any guarantee, warranty or undertaking that the services will remain available, will meet your requirements, or that access to the Site will be or remain secure, uninterrupted or error free. It shall be your responsibility to ensure that the services and any products, services or information available through the Site (or any Third Party Sites) meet your specific requirements.

12.3 Should you download any material from our Site then this shall be done at your entire risk and Brown Shipley will not be responsible for any damage to your computer, loss of data or other loss that results from such downloading.

13. Limitation of liability

13.1 Without prejudice to any other exclusion or limitation contained within these Terms, we have no liability to you in contract, tort (including negligence or breach of statutory duty) or otherwise for any indirect, special or consequential losses or exemplary damages, or for any loss of profit, revenue, turnover or bargain or for loss of data which arises in any way from you accessing the Site, using the services, purchasing products or services through the Site or Third Party Sites, or from downloading any material from the Site or Third Party Sites or otherwise.

13.2 Should the laws of any jurisdiction not permit the exclusion or limitation of liability as set out in paragraphs 11 or 12 then, to the extent that such exclusion or limitation is not permitted, the relevant provision shall not apply in that jurisdiction.

13.3 Nothing in these Terms shall be taken so as to exclude or limit our liability for death or personal injury caused by our negligence. Your statutory rights as a consumer are not affected by any of these Terms.

14. General

14.1 These Terms and our relationship with you shall be governed by and construed in accordance with English law.

14.2 Subject to any overriding rule of law affording exclusive jurisdiction to the courts of any other country in relation to any dispute between us, the English courts shall have exclusive jurisdiction in relation to that dispute.

14.3 Reference in these Terms to a person shall include individuals, companies, associations and partnerships.

14.4 Reference to any English term for any action, remedy or judicial proceeding, legal document, legal status, court official or any legal concept or thing shall in respect of any jurisdiction other than England be deemed to refer to what more nearly approximates in that jurisdiction to the English term.

15. Social media

15.1 Some content shared by Brown Shipley on our LinkedIn page or X feed is for professional investors and advisers for information purposes only. This may include links to, or extracts from, information provided by third parties which may include links to information containing expressions of opinion issued by those third parties. Where we do provide such links, this is for information only and we do not endorse any information, expression of opinion or any material whatsoever accessed in this way. No views expressed in any material accessed in this way comprise our own views, or those of any director or employee of Brown Shipley. Given this, we accept no liability for material accessed in this way, for any actions of any nature taken by any person as a result of accessing it, or for any direct or consequential loss arising as a result of our LinkedIn page or X feed, or any material accessed as a result of its use.

15.2 Through LinkedIn and X, where we provide links to third party material where a spokesperson or employee of Brown Shipley has expressed a view or an opinion, then we ask all investors to be aware that this information is provided by Brown Shipley to professional investors and advisers for information purposes only. It does not constitute investment advice and should not be treated as a recommendation for investment. Past performance is not a reliable indicator of future results. The value of investments and any income from them may fluctuate and is not guaranteed. The yield generated is subject to fluctuation and is not guaranteed. We always recommend that advice is obtained from a suitably qualified and experienced regulated financial adviser prior to participating in financial markets.