Website Terms & Conditions

Lloyds Bank plc and Lloyds Securities Inc. (“we” or “us”) are subsidiaries of subsidiary of Lloyds Banking Group plc. More information about the Lloyds Banking Group can be found at www.lloydsbankinggroup.com.
 
The materials on this Website are directed solely at those resident in and who access this website from the United States. The services described on this Website may not be used in any jurisdiction where we are not authorized to provide them under applicable laws or regulations. Additional terms of use and certain required disclosures are provided below.

You should read these terms and conditions carefully before using this website. Using the Website indicates that you accept these terms regardless of whether or not you choose to register with us. If you do not accept these terms, do not use the website.

1. Introduction

The materials on this Website are directed solely at those resident in and who access this website from the United States. The services described on this Website may not be used in any jurisdiction where we are not authorized to provide them under applicable laws or regulations. Additional terms of use and certain required disclosures are provided below.

You may access the Website without registering your details with us. By accessing any part of the Website, you shall be deemed to have accepted these terms in full. If you do not accept these terms, you must leave the Website immediately. We may revise these terms at any time and you will be deemed to have agreed to any such revisions by accessing the Website.

Certain provisions of these terms may be superseded by expressly designated legal notices or terms located on particular pages of the Website. If you want more information about anything on this Website, please contact your Relationship Manager.

2. Content

Unless otherwise stated, the copyright, trademarks and other intellectual property rights in all material on the Website (including without limitation text, tools, photographs and graphical images) are owned by us or our licensors.

You may not reproduce or adapt the Website in whole or in part without our prior written consent, except for the purpose of producing print outs for your own personal and non-commercial purposes. No part of the Website may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without our prior written permission.

3. Service access

While the Website is normally available 24 hours a day, we shall not be liable if for any reason the Website is unavailable at any time. Access to the Website may be suspended temporarily and without notice in the case of system failure, maintenance or repair or for reasons beyond our control.

4. Links to and from other websites

Links to third party websites on the Website are provided solely for your convenience. If you use these links, you leave the Website. We have not reviewed all of these third party websites and do not control and are not responsible for their content or availability. We do not endorse or make any representations about them, or any material found there. If you decide to access any of the third party websites linked to the Website, you do so entirely at your own risk.

If you would like to link to the Website, you may only do so on the basis that you link to, but do not replicate, the home page of the Website, and subject to the following conditions: (a) you do not remove, distort or otherwise alter the size or appearance of the any images or logos; (b) you do not create a frame or any other browser or border environment around the Website; (c) you do not in any way imply that the we are endorsing any products or services other than our own; (d) you do not misrepresent your relationship with us nor present any other false information about us; (e) you do not otherwise use any trademarks displayed on the Website without our express written permission; (f) you do not link from a website that is not owned by you; and (g) your website (i) does not contain content that is distasteful, offensive or controversial, (ii) does not infringe any intellectual property rights or other rights of any other person and (iii) otherwise complies with all applicable laws and regulations. We expressly reserve the right to revoke the right granted in this clause for breach of these terms and to take any action we deem appropriate. You shall be responsible for any loss or damage suffered by us for breach of this clause.

5. Liability for Content

While care has been taken in the preparation of the content of this Website, we disclaim (to the extent permitted by law) all warranties, express or implied, as to the accuracy of the information contained in any of the materials on the Website.

Please note that there is no  guarantee that any e-mail sent will be received, or that the contents of any such e-mail will remain confidential during transmission over the internet.

This Website contains links to other sites. We accept no responsibility or liability in respect of any materials on any other Website which is not under its direct control.

Neither we, our affiliates, nor any party involved in creating, producing or delivering this Website shall be liable, whether in contract or tort, for any direct, indirect, incidental, consequential, special or punitive damages, whether foreseeable or not, arising out of access to, use of or inability to use the internet Website, or any errors or omissions in the content thereof. This limitation of liability includes, but is not limited to, the transmission of any viruses that may infect a user's equipment. We make no warranty whatsoever to you express or implied, regarding your ability to access this Website without interruption or regarding the security of this web.

6. Services

The fact that we have made the content provided in this Website available to you constitutes neither a recommendation that you enter into a particular transaction nor a representation that any product or service described on this Website is suitable or appropriate for you. Such products and services may involve significant risks, and you should not enter into any transactions unless you have fully understood all such risks independently determined that such transactions are appropriate for you.

You should not construe any of the content provided in this Website as business, financial, investmentm hedging, trading, legal, regulatory, tax, or accounting advice or make this service the primary basis for any investment decisions made by or on behalf of you, and you may want to consult your business advisor, attorney, and tax and accounting advisors concerning any contemplated transactions.

7. Regulatory Information

To help the U.S. government fight the funding of terrorism and money laundering activities, Federal law requires all U.S. financial institutions to obtain, verify, and record information that identifies each individual or institution that opens an account or establishes a customer relationship with us. What this means: If you open an account or enter into a new customer relationship with us, we will ask for your name, address and other identification information as applicable. This information will be used to verify your identity. If any required information or documentation is not provided, we will be unable to open an account or establish a relationship with you.

Neither Lloyds Banking Group plc nor Lloyds Bank is a US registered broker-dealer. Broker-dealer services in the United States are offered by Lloyds Securities Inc., an indirect subsidiary of Lloyds Bank plc and a broker-dealer registered with the U.S. Securities and Exchange Commission and member  of FINRA and SIPC.

The U.K. Financial Services (Banking Reform) Act 2013 became law in the United Kingdom on December 18, 2013, and granted the “U.K. bail-in power” as part of the powers of the U.K. resolution authority. U.K. bail-in power is a power exercisable by the relevant U.K. resolution authority relating to the resolution of banks, banking group companies, credit institutions, and/or investment firms incorporated in the United Kingdom, and is applicable to Lloyds Bank plc. 

No information contained in this Website is to be considered a recommendation or solicitation of an offer to buy or sell any security or financial instrument. This Website has been created for informational purposes only without regard to any particular user's investment objectives or financial situation, and we are not soliciting any action based upon it.

We would like to inform you about the Business Continuity Plan of Lloyds Securities, which is designed to permit our firm to resume operations as quickly as possible following a significant disruption in our business. For more information, please refer to our  Business Continuity Plan.


Lloyds Securities does not receive payment for order flow in connection with transactions we effect for customers.

8. Governing law and jurisdiction

The use of this Website shall be governed by and construed in accordance with the laws of the state of New York, without regard to conflicts of laws provisions. Sole and exclusive jurisdication for any action of proceeding arising out of or related to this Website shall be in an approrpiate state or federal court located in the County of New York, State of New York, and the parties unconditionally waive their respective rights to a jury trial.

If for any reason a court of competent jurisdiction finds any provision of these terms to be unenforceable, that provision shall be enforced to the maximum extent permissible to effect the intent of these terms, and the remainder of these terms shall continue in full force and effect.

Lloyds Bank is a brand name of Lloyds Bank plc, a company organized under the laws of England and Wales, having company registered no. 2065, and Bank of Scotland plc, a company organized under the laws of Scotland, having company registered no. 327000. Lloyds Bank plc and Bank of Scotland plc are member companies of Lloyds Banking Group. Lloyds Securities Inc. is a member of FINRA/SIPC. © 2015 Lloyds Bank. All rights reserved.