Terms & conditions

Important legal information

Fiduciary Trust International is the marketing name for Fiduciary Trust Company International, headquartered in New York, and its subsidiaries worldwide, but as used herein, "Fiduciary Trust" shall refer only to Fiduciary Trust Company International.

You should read this Legal information carefully before using this website. By using the website, you assent to the following terms of use:

DISCLAIMERS

Additional information is available upon request. Information herein is believed to be reliable but Fiduciary Trust does not warrant its completeness or accuracy. It is the responsibility of each user to evaluate the accuracy, completeness, or usefulness of any information or content available on or through this website. THE MATERIAL ON THIS WEBSITE IS PROVIDED TO USERS FOR INFORMATIONAL PURPOSES ONLY, ON AN "AS IS"-"AS AVAILABLE" BASIS WITHOUT WARRANTY OF ANY KIND EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON INFRINGEMENT.

Opinions and estimates contained herein constitute Fiduciary Trust's judgment and are subject to change without notice. Past performance is not indicative of future results. Users should seek the assistance of financial professionals regarding the evaluation of specific content obtained on this website.

This material is not intended as an offer or solicitation for the purchase or sale of any financial instrument or to provide any investment advice or service. Fiduciary Trust is regulated by the New York State Department of Financial Services. Fiduciary Trust may hold a position in one or more financial instruments discussed herein or may act as advisor or lender to an issuer of any financial instruments discussed herein.

Extent of FDIC insurance. Securities, mutual funds and other non-deposit investments in your account are subject to the following disclosure:

NOT FDIC-INSURED
May lose value
No bank guarantee
 
Cash balances in your Account may be placed on deposit at one or more FDIC-insured banks, and, if so, are insured to the maximum extent permitted under the FDIC's general deposit insurance rules in accordance with the Federal Deposit Insurance Act (further details can be found at https://www.fdic.gov/deposit/deposits/). However, cash balances invested in a Short Term Investment Program (STIP), an overnight investment vehicle, are not FDIC insured.

LIMITATION OF LIABILITY

FIDUCIARY TRUST SPECIFICALLY DISCLAIMS ANY LIABILITY, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR SPECIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH ACCESS TO OR USE OF THE WEBSITE, EVEN IF FIDUCIARY TRUST HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, INCLUDING WITHOUT LIMITATION ANY LOST PROFITS, BUSINESS INTERRUPTIONS, LOSS OF DATA OR PROGRAMS, LIABILITY IN CONNECTION WITH MISTAKES OR OMISSIONS IN, OR DELAYS IN TRANSMISSION OF, INFORMATION TO OR FROM THE USER, INTERRUPTIONS IN TELECOMMUNICATIONS CONNECTIONS TO THE WEBSITE, VIRUSES, OR OTHER DISABLING CONTAMINATION, HOWSOEVER CAUSED, WHETHER IN WHOLE OR IN PART BY NEGLIGENCE, ACTS OF GOD, ACTS OR OMISSIONS OF ANY PERSON OR ENTITY, TELECOMMUNICATIONS FAILURE, THEFT, DESTRUCTION OF, OR UNAUTHORIZED ACCESS TO, THE WEBSITE, SOFTWARE, RELATED INFORMATION, RECORDS OR PROGRAMS, OR OTHERWISE.

MODIFICATIONS TO RULES AND CONTENT

Fiduciary Trust reserves the right to modify the rules and regulations governing this website at any time. Modifications will be posted on the website, and users are deemed to be apprised of and bound by any changes to these rules and regulations. In addition, Fiduciary Trust reserves the right to make improvements and/or changes in the content in this website at any time.

VIOLATIONS OF RULES AND REGULATIONS

Fiduciary Trust reserves the right to seek all remedies available at law and in equity for violations of the rules and regulations set forth in this website, including the right to block access from a particular internet address to the website.

LINKED INTERNET SITES AND SITES WHICH MAY BE ACCESSED THROUGH THE WEBSITE

Internet links will let the user leave Fiduciary Trust's website or social media sites. Fiduciary Trust does not control, assumes no liability for, and makes no representations or guarantees about, any other internet site which may be accessed through or linked to the website, or the content of such other site, including accuracy, quality, completeness or timeliness of such content. Such access or link is merely a convenience to the user and access to any other internet sites by hyperlink or otherwise through this website is at the user's own risk.

Such access or link indicates neither a recommendation, approval, nor endorsement by Fiduciary Trust of such other internet site, its content, or its freedom from potentially harmful contamination.

COPYRIGHT

The content of this website is protected by copyright and all rights in the pages, content and arrangement of this site are owned by Fiduciary Trust. We invite you to make copies of the information on this website for your personal use, but not for commercial or public use.

GOVERNING LAW AND GENERAL PROVISIONS

This website is operated by Fiduciary Trust and designed for use within the United States of America. Fiduciary Trust makes no representation that the information in the website is appropriate or available for use in other locations, and prohibits access to the website by any person or entity from any territory where distribution or use of its contents would be illegal or would require Fiduciary Trust or any of its affiliates to register within such territory. Those who choose to access this website from other locations do so on their own initiative and are responsible for compliance with applicable local laws. Any claims relating to the information available on this website will be governed by the laws of the State of New York, U.S.A., excluding the application of its conflicts of law rules.

Fiduciary Trust reserves the right to seek all remedies available at law and in equity for violations of the rules and regulations set forth in this website, including the right to block access from a particular Internet address to the website.

TERMS AND CONDITIONS FOR SOCIAL MEDIA

Nothing on Fiduciary Trust’s social media sites shall be considered a solicitation to buy or an offer to sell, or a recommendation for a security or any other product or service to any person in any jurisdiction where such solicitation, offer, recommendation, purchase or sale would be unlawful under the laws of that jurisdiction.

Social media sites, such as LinkedIn and Twitter, are  owned by  third parties unaffiliated with Fiduciary Trust.  You  use any third-party sites, software and materials at your own risk.  We urge you to review the privacy, security, terms of use, and other policies of each site you visit. Note that links can take you to third-party sites/media, directly or through new browser windows.

Fiduciary Trust does not control, adopt, endorse or accept responsibility for content, tools, products or services (including any software, links, advertising, opinions, comments, advice, recommendations, or security or privacy policies) available on or through third party sites or media, including LinkedIn and Twitter. Never disclose account or personal financial information on social media.

Any opinions expressed on social media  are those of the persons submitting the comments or posts and do not represent the views of Fiduciary Trust or its management. We appreciate your feedback and suggestions; by submitting them you agree that we may use them without compensation or attribution to you. Fiduciary Trust does not endorse or otherwise recommend posts and tweets made by third parties on social media.

All investments involve risks, including possible loss of principal. Stock prices fluctuate, sometimes rapidly and dramatically, due to factors affecting individual companies, particular industries or sectors, or general market conditions. Special risks are associated with foreign investing, including currency fluctuations, economic instability and political developments.  Investments in foreign markets involve special risks including currency fluctuations, economic instability and political developments. Investments in emerging market countries involve heightened risks related to the same factors, in addition to those associated with these markets’ smaller size, lesser liquidity and lack of established legal, political, business and social frameworks to support securities markets. Such investments could experience significant price volatility in any given year.

IRS Circular 230 Notice: Pursuant to relevant U.S. Treasury regulations, we inform you that any tax advice contained in this communication is not intended or written to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, marketing or recommending to another party any transaction or matter addressed herein. You should seek advice based on your particular circumstances from your tax advisor.

COMMENTING GUIDELINES
We welcome your comments. To help ensure exchanges are productive and respectful of diverse viewpoints, and generally stay on topic, we require that you follow our guidelines.

1. We review comments and reserve the right to block any comments or commenters, including those we deem inappropriate or offensive.

• Be civil. We can handle disagreement and constructive criticism, but ask that you refrain from general or personal attacks, or being disrespectful of Fiduciary Trust, other companies, your fellow viewers, and others.
• Be constructive. Attacks or “off-limits” comments such as those concerning threatened or actual litigation, or disputes between you and another will be excluded. If you would like to provide feedback or receive follow-up, please write to us directly at [email protected].
• No spam. Comments and tweets focused on selling a product or service, are promotional in nature and may result in our blocking you or reporting for spam

• No offensive language. Comments and tweets including, but not limited to, profane or provocative language (which means that discriminatory, libelous, hateful, racially or ethnically offensive or derogatory content, threats or harassment, obscene or sexually explicit language) may result in our blocking you.

• No personal financial or private information. Please do not provide any of your specific account details or other personal information on this public site. If you have immediate service needs or require help with a transaction, please contact your Fiduciary Trust contact or our main line at (877) 384-1111.

No investment advice. Please refrain from posting requests for specific investment advice, recommendations or testimonials. This site is intended as informational only.

•  Obey the law. Respect the rights of others, including copyright, trade secret, confidential or proprietary information, and so forth.

2. Guideline Changes. Fiduciary Trust reserves the right to change these guidelines at any time at its sole discretion. The most current version will be available online.