Further Information

Further Information
As part of our commitment to transparent and accountable banking practice, please see below for our latest terms and conditions relating to our banking and credit card services:

For our Corporate Brochure, please see below:

Arbuthnot Brochure

Complaints
If you have a complaint about the advice you receive, your banking services or a product you bought through us, please contact our Head of Compliance at: Arbuthnot Latham & Co., Limited
Arbuthnot House
Ropemaker Street
London EC2Y 9AR
Email:compliance@arbuthnot.co.uk
Phone: 0207 012 2500

We are covered by the Financial Ombudsman Service (FOS). The FOS is available to settle certain complaints you make if they cannot be settled through our own complaints procedures. The contact details of the FOS are as follows:

The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London E14 9SR
Website: www.financial-ombudsman.org.uk/
Phone: +44 (0)800 023 4567
Email: mailto:info@financial-ombudsman.org.uk

Dormant Accounts
Arbuthnot Latham & Co., Limited considers a dormant bank account to be one which has been inactive for the last twelve months and where it has not been possible to establish contact with the client. For security reasons we will not send statements or cards to a client who has a dormant account. If you have money in a dormant account or lost account, it will always be your property (or if you die, it will become part of your estate). This is the case no matter how many years pass.To enquire about a dormant account, please contact your Private Banker or Investment Manager.

Important information about compensation arrangements- Financial Services Compensation Scheme
We are covered by the Financial Services Compensation Scheme (“FSCS”). The FSCS can pay compensation to depositors if a bank is unable to meet its financial obligations. Most depositors – including most individuals and small businesses – are covered by the scheme. In respect of deposits, an eligible depositor is entitled to claim up to £85,000. For joint accounts each account holder is treated as having a claim in respect of their share so, for a joint 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 the eligible depositor’s accounts with the bank including their share of any joint account, and not to each separate account. For further information about the scheme (including the amounts covered and eligibility to claim) please ask at your local branch, refer to the FSCS website at www.FSCS.org.uk or call +44 (0)800 678 1100 or (0)207 741 4100

Moneymade Clear Guidelines
The Financial Services Authority have launched a new guide "Just the facts about your bank account", which contains information covering what you need to know to get the best from your bank account.

Protecting Your Accounts and Personal Data
Taking care of your cheques, cards, PINs and other security information is essential to help prevent fraud and protect your accounts. We strongly recommend that you follow the do’s and don’ts, listed below.

Memorise your PIN and destroy the PIN notification promptly after receipt.
Keep your log on and password to internet banking confidential.
Only deal with reputable companies when using your card for purchases over the phone or through the internet.
Keep your cards in your possession and never let them out of your sight.
Check and keep your card receipts and other information about your account containing personal details safe (for example, statements) and get rid of them carefully.
Take care when storing or getting rid of information about your accounts. People who commit fraud use many methods such as ‘bin raiding’ to get this type of information. Shred anything containing personal data when you want to throw it away.
Take care when others close by may be trying to see you enter your PIN.
Be aware that your post is valuable information in the wrong hands. If you don’t receive a bank statement, card statement or any other expected financial information, contact us.

Don’t

Respond to ‘phishing’ emails requesting information (account details, card numbers, PINs or passwords). We will never request information from you by email and it is our policy not to send personal data to you by email.
Share your PIN with anyone.
Leave gaps on cheques.
Keep large sums of cash at home.
Phishing is an increasingly common type of spam that can lead to theft of your personal details such as credit card numbers or online banking passwords. Phishing attacks work by the scam artist sending “spoof” emails that appear to come from a legitimate website that you have online dealings with. The email may ask you to reply with your account details in order to “update security” or for some other reason.