Charles Schwab, U.K., Limited

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Terms of Use

Charles Schwab, U.K., Limited Online Service Agreement

Welcome to the public Web site of Charles Schwab, U.K., Limited ("Schwab U.K."). Use of this site is subject to the terms and conditions contained in the Schwab Online Services Agreement (the "SOSA") set forth below. In continuing to access or use our site, you agree to be bound by those terms and conditions within the SOSA applicable to your use.

Please read the entire SOSA carefully. This table of contents and these links are provided as a convenience to you.


Revisions and Relation to Other Agreements or Disclosures
Schwab U.K. may revise the SOSA at any time, and you agree to be bound by future revisions. It is your responsibility to visit the link at the bottom of the home page periodically to review the most current terms and conditions. If you have an account with Charles Schwab & Co., Inc. ("Schwab U.S."), your customer relationship with Schwab U.S. is also governed by your account agreements, including agreements with regard to the customer password-protected Web site. In addition, material and services on the Web site of Schwab U.K. have been provided to Schwab UK by Schwab US, so that we will refer to them together as "Schwab."

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Schwab U.S.'s License to You
Schwab grants you a single, non-exclusive, non-transferable and limited personal license to access and use the materials on this Web site including news, information, investment tools and other services "Schwab Services." This license is conditioned on your continued compliance with the terms and conditions in the SOSA.

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Use of Third Party Service Providers
Schwab may use third-party service providers to assist in providing certain Schwab Services with or without notice to you (each, a "Third Party Service Provider"). Schwab may also change Third Party Service Providers or may itself provide a Schwab Service without the assistance of such third party. You consent and authorize Schwab to delegate the authorizations you provide to Schwab to Third Party Service Provider(s) as Schwab deems necessary or desirable to provide the applicable Schwab Service to you. You agree that the terms and conditions of the SOSA, including any of the other terms, conditions, warranty disclaimers and liability disclaimers incorporated into this Agreement, inure to the benefit of such Third Party Service Providers and such Third Party Service Providers are deemed to be third party beneficiaries of the SOSA, including any other terms, conditions, warranty disclaimers and liability disclaimers incorporated into this Agreement. You also agree that all references to "Schwab" within the SOSA and any incorporated terms are also deemed to include, where applicable, Schwab U.S. and Schwab and Schwab U.S.'s agents, such as the Third Party Service Providers.

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Use of Schwab U.S. Services
The following requirements apply to your use of all Schwab Services:
  • You will not use any electronic communication feature of a Schwab Service for any purpose that is unlawful, tortuous, abusive, intrusive on another's privacy, harassing, libelous, defamatory, embarrassing, obscene, threatening or hateful.
  • You will not upload, post, reproduce or distribute any information, software or other material protected by copyright or any other intellectual property right (as well as rights of publicity and privacy) without first obtaining the permission of the owner of such rights.
  • You will not use any Schwab Service for any commercial purpose not expressly approved by Schwab U.S. in writing. You will not upload, post, e-mail or otherwise transmit any advertising or promotional materials, including without limitation, "junk mail," "surveys," "spam," "chain letters," "pyramid schemes," or any other form of solicitation or unauthorized communication.
  • You will not upload, post, e-mail or otherwise transmit any material that contains viruses or any other computer code, files or programs which might interrupt, limit or interfere with the functionality of any computer software or hardware or telecommunications equipment.

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Market Information
We may make available to you through one or more Schwab Services a broad range of financial information that we obtain Third Party Service Providers. This includes, without limitation, financial market data, quotes, news. Collectively, we refer to this as "Market Information." Schwab U.K. does not endorse or approve Market Information, and we make it available to you only as a service and convenience. Schwab U.K., Schwab U.S. and our Third Party Service Providers do not (1) guarantee the accuracy, timeliness, completeness or correct sequencing of Market Information, or (2) warrant any results from your use or reliance on Market Information. Market Information may quickly become unreliable for various reasons including, for example, changes in market conditions or economic circumstances. Neither Schwab, Schwab U.S. nor the Third Party Service Providers is obligated to update any information or opinions contained in any Market Information, and we may discontinue offering Market Information at any time without notice. You agree that neither Schwab, Schwab U.S. nor the Third Party Service Providers will be liable to you in any way for the termination, interruption, delay, or inaccuracy of any Market Information. You will not redistribute or facilitate the redistribution of Market Information, nor will you provide access to Market Information to anyone who is not authorized by Schwab to receive Market Information. If you are an entity regulated by the Financial Services Authority or otherwise a financial services provider, such as a securities broker, dealer, banker, or investment advisor, or are an employee or agent of one, you agree not to use Market Information provided by Schwab for any purpose related to your business.

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No Investment Advice or Recommendations
The Schwab Services and content (including Market Information) are for information, education, and entertainment purposes only. Although Schwab Services may provide information relating to investment approaches and opportunities to buy or sell securities, you should not construe any Market Information, features or other content available through any Schwab Service as legal, tax, investment, financial or other advice. Nothing contained in any Schwab Service or any other content on our Web site constitutes a solicitation, recommendation, endorsement, or offer by Schwab, Schwab U.S. or a Third Party Service Provider to buy or sell any securities or other financial instruments.

You alone assume the sole responsibility of evaluating the merits and risks associated with the use of any Schwab Service before making any decisions based on Market Information or content contained in a Schwab Service. In exchange for using Schwab Services, you agree not to hold Schwab U.S. or any Third Party Service Provider liable for any possible claim for damages arising from any decision you make based on information made available to you through any Schwab Service.

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Use of Access Devices
With the exception of applications commonly known as Web Browser software, or other applications formally promoted, endorsed or approved by Schwab U.K. in writing, you agree not to use any software, program, application or any other device to access or log on to any Schwab Service, including Schwab's computer systems, Web site or proprietary software or to automate the process of obtaining, downloading, transferring or transmitting any Market Information or any other content to or from any Schwab Service, including Schwab's computer systems, Web site or proprietary software.

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Disclosure of Potential Relationships
Schwab U.K., Schwab U.S. and/or their employees or directors as well as its affiliates, consultants and Third Party Service Providers may have clients with positions in securities or companies referenced in Market Information and may, as principal or agent, buy from or sell to customers. From time to time, Schwab U.S. may perform investment banking or other services for, or solicit such services from, companies mentioned in Market Information. From time to time, Schwab U.K., Schwab U.S. or a Third Party Service Provider may be unable to provide Market Information with respect to certain companies with which Schwab, Schwab U.S. or the Third Party Service Provider or their affiliates have certain business relationships.

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Security of Data Transmissions and Storage
Electronic (including wired and wireless) communications through the Schwab Services may not be encrypted. You acknowledge that there is a risk that data, including e-mail, electronic and wireless communications and personal data, may be accessed by unauthorized third parties when communicated between you and Schwab or between you and other parties.

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Hyperlinks
Schwab may make available links from a Schwab Service to other, third party sites or electronic services providers that are not affiliated with Schwab U.S. Schwab U.S. does not control these other sites or services, and Schwab makes no representations or endorsements whatsoever concerning those sites or services. The fact that Schwab U.K. has provided a link to a site is not an endorsement, authorization, sponsorship, or affiliation with respect to such site, its owners, or its providers. There are risks in using any information, software, service or product found on the Internet, and Schwab U.K. cautions you to make sure you understand these risks before retrieving, using, relying upon, or purchasing anything via the Internet. You agree that under no circumstances will you hold Schwab U.K. liable for any loss or damage caused by use of or reliance on any content, goods or services available on other sites.

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Disclaimers of Warranties
ALTHOUGH SCHWAB TRIES TO PROVIDE ACCURATE AND TIMELY INFORMATION THROUGH ITS SCHWAB SERVICES, THERE MAY BE INADVERTENT TECHNICAL OR FACTUAL INACCURACIES AND TYPOGRAPHICAL ERRORS. SCHWAB RESERVES THE RIGHT TO MAKE CHANGES AND CORRECTIONS AT ANY TIME, WITHOUT NOTICE. THE INFORMATION PROVIDED THROUGH THE SCHWAB SERVICES IS PROVIDED "AS IS" AND "AS AVAILABLE." SCHWAB DOES NOT WARRANT THE ACCURACY, COMPLETENESS OR TIMELINESS OF THE INFORMATION, TEXT, GRAPHICS, LINKS OR OTHER ITEMS CONTAINED IN THE SCHWAB SERVICES. SCHWAB PROVIDES NO GUARANTEE AGAINST THE POSSIBILITY OF DELETION, MIS-DELIVERY OR FAILURE TO STORE COMMUNICATIONS, PERSONALIZED SETTINGS, OR OTHER DATA. SCHWAB EXPRESSLY DISCLAIMS ALL LIABILITY FOR ERRORS OR OMISSIONS IN, OR THE MISUSE OR MISINTERPRETATION OF, ANY INFORMATION CONTAINED IN THE SCHWAB SERVICES. SCHWAB MAY CHANGE INFORMATION CONTAINED IN THE SCHWAB SERVICES AT ANY TIME AND MAKES NO COMMITMENT TO UPDATE THE INFORMATION CONTAINED IN THE SCHWAB SERVICES. YOU ASSUME THE ENTIRE RISK AS TO THE USE OF THE SCHWAB SERVICES.

FURTHER, SCHWAB MAKES NO WARRANTIES REGARDING THE SCHWAB SERVICES. SCHWAB. AND ITS AFFILIATES AND AGENTS (INCLUDING THIRD PARTY SERVICE PROVIDERS) DISCLAIM ALL WARRANTIES, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, ACCURACY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

SOME STATES DO NOT ALLOW LIMITATIONS ON HOW LONG AN IMPLIED WARRANTY LASTS, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. YOU MAY HAVE OTHER RIGHTS WHICH VARY FROM JURISDICTION TO JURISDICTION.

ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SCHWAB SERVICES IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER OR OTHER ELECTRONIC SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. NO INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM SCHWAB. OR THROUGH OR FROM THE SCHWAB SERVICES WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

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Limitation of Liability and Indemnification
YOU AGREE TO INDEMNIFY AND HOLD SCHWAB AND THEIR AFFILIATES, AGENTS, EMPLOYEES, AND LICENSORS (INCLUDING THE THIRD PARTY SERVICE PROVIDERS) HARMLESS FROM ANY CLAIM, DEMAND, LOSS, COSTS OR EXPENSE, INCLUDING ATTORNEYS_ FEES, MADE BY ANY PERSON ARISING OUT OF YOUR VIOLATION OF THIS AGREEMENT, STATE OR FEDERAL SECURITIES LAWS OR REGULATIONS, OR ANY OTHER PERSON_S RIGHTS, INCLUDING BUT NOT LIMITED TO INFRINGEMENT OF ANY COPYRIGHT OR VIOLATION OF ANY PROPRIETARY OR PRIVACY RIGHT.

UNDER NO CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO A NEGLIGENT ACT, WILL SCHWAB. OR ITS AFFILIATES, AGENTS, EMPLOYEES, OR LICENSORS (INCLUDING THIRD PARTY SERVICE PROVIDERS) BE LIABLE FOR ANY DAMAGES OF ANY KIND THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, ANY SCHWAB SERVICE, EVEN IF ANY SUCH PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.

IN NO EVENT WILL SCHWAB OR THIRD PARTY SERVICE PROVIDERS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY TORT, CONTRACT OR ANY OTHER LIABILITY ARISING IN CONNECTION WITH THE USE OF A SCHWAB SERVICE, OR RELIANCE ON ANY INFORMATION OR SERVICES PROVIDED BY SCHWAB. SCHWAB AND THIRD PARTY SERVICE PROVIDERS WILL UNDER NO CIRCUMSTANCES BE LIABLE TO YOU AND/OR ANY THIRD PARTY, REGARDLESS OF THE FORM OF ACTION, FOR ANY LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, OR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL, INCIDENTAL OR PUNITIVE DAMAGES WHATSOEVER, EVEN IF SCHWAB. OR THIRD PARTY SERVICE PROVIDERS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE SCHWAB SERVICES; (ii) THE TIMELINESS, DELETION, MISDELIVERY, OR FAILURE TO STORE ANY USER DATA, COMMUNICATIONS OR PERSONALIZATION SETTINGS; (iii) THE COST OF GETTING SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY PRODUCTS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO, THROUGH OR FROM THE SCHWAB SERVICES; (iv) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (v) STATEMENTS OR CONDUCT OF ANYONE ON THE SCHWAB SERVICES; (vi) THE USE, INABILITY TO USE, UNAUTHORIZED USE, PERFORMANCE OR NON-PERFORMANCE OF ANY THIRD PARTY, EVEN IF THE THIRD PARTY HAS BEEN ADVISED PREVIOUSLY OF THE POSSIBILITY OF SUCH DAMAGES; OR (vii) ANY OTHER MATTER RELATING TO THE SCHWAB SERVICES. YOU AGREE THAT YOU WILL NOT IN ANY WAY HOLD SCHWAB RESPONSIBLE FOR ANY SELECTION OR RETENTION OF, OR THE ACTS OR OMISSIONS OF, THIRD PARTIES (INCLUDING THIRD PARTY SERVICE PROVIDERS) IN CONNECTION WITH THE SCHWAB SERVICES.

Where law prohibits the limitation of liability for consequential or incidental damages, liability only with respect to consequential or incidental damages may not apply to you, and the respective liability of Schwab U.K., Schwab U.S. and the Third Party Service Providers, employees, distributors and agents is limited to the greatest extent allowable under applicable law in those states.

In the event that a court or arbitration panel, as the case may be, should hold that the limitations of liabilities or remedies available as set forth in this Agreement, or any portions thereof, are unenforceable for any reason, or that any of your remedies under this Agreement fail then you expressly agree that under no circumstances will the total, aggregate liability of Schwab U.K., Schwab U.S. and it's the Third Party Service Providers, employees, distributors, agents or affiliates, to you or any party claiming by or through you for any cause whatsoever exceed $100 (U.S.), regardless of the form of action and whether in contract, statute, tort or otherwise.

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Restrictions on Use
Except as otherwise permitted by Schwab, no materials from the Schwab Services or any site owned, operated, licensed or controlled by Schwab may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on the Schwab Services for non-commercial, personal use. If you do so, you agree to retain all copyright and other proprietary notices contained on the materials. You may not use, distribute, modify, transmit, or post the content of the Schwab Services for public or commercial purposes, including any text, images, audio, or video without Schwab's written permission.

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Trademarks and Copyrights
The Schwab Services are owned by Schwab U.K., Schwab U.S. or their affiliates or agents (including the Third Party Service Providers) and are protected by United States copyright laws and international treaty provisions. All content, trademarks, services marks, trade names, logos, and icons are proprietary to Schwab U.S. or its affiliates, licensors or agents (including the Third Party Service Providers). Other third-party products and brand names may be trademarks or registered trademarks of their respective owners, and may not be affiliated with Schwab. Nothing contained in the Schwab Services should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on the Schwab Services without the written permission of Schwab or such third party that may own the trademarks displayed on the Schwab Services. Your use of the trademarks displayed on the Schwab Services, or any other content in the Schwab Services, except as provided herein, is strictly prohibited.

Images displayed through the Schwab Services are either the property of, or used with permission by, Schwab. You are prohibited from using or authorizing the use of these images unless specifically permitted under the SOSA. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, or other regulations and statutes. Pursuant to Section 512(c)(2) of the US Copyright Revision Act, as enacted through the Digital Millennium Copyright Act, Schwab U.S. has designated an agent to receive notifications of claimed infringement, as described within our Copyright Policy.

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Modifications, Suspensions and Termination of Schwab U.S. Services
Schwab reserves the right to modify or discontinue temporarily or permanently, a Schwab Service (or any part thereof) with or without notice. You agree that Schwab will not be liable to you or to any third party for any modification, suspension or discontinuance of a Schwab Service. Please keep in mind that extended periods of inactivity may also result in your enrollment in a Schwab Service being canceled. The license granted under the SOSA will terminate if Schwab believes that any information provided by you, including your e-mail address, is no longer current or accurate, or if you fail to otherwise comply with any term or condition of the SOSA and all Rules and Guidelines for each Schwab Service. Upon such violation, you agree to terminate access to the Schwab Services.

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Click "I agree" for Your Signature
As noted above in the Consent to Electronic Records section, by clicking "I agree" you will be signing this Agreement with a binding electronic signature, and you acknowledge that you have read and understood this Agreement's terms and conditions.

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