Legal Terms of Use

Ownership of this website

RBC Financial (Caribbean) Limited and its subsidiaries comprise RBC Caribbean who are the sole and exclusive owners of all rights to the information on this website and other Caribbean websites (“the Websites”) operated by RBC Financial (Caribbean) Limited or its subsidiaries.

Use of the Website

You are advised not to use the Websites without first informing yourself of the terms and conditions for the use of them (“the Terms”) set out below and your use of the Websites is subject to the Terms herein and is an acknowledgment that you have read and understood the Terms and agree to be bound by them and any specific legal notices in the footers of the Websites.

The Terms apply to dealings with RBC Financial (Caribbean) Limited and its subsidiaries and the reference to RBC Caribbean refers to all or any one of them as the context requires.


The Terms are to be read by you together with any terms, conditions or disclaimers provided in the pages of the Websites (“the Page Disclaimers.”) In the event of any conflict between the Terms and the Page Disclaimers, the Page Disclaimers will govern. The information, material and content provided in the pages of the Websites (“the Information”) may be changed at any time without notice. Changes may be made as well to the Terms at any time without notice by updating this posting. You agree to review the Terms regularly and your continued access or use of the Websites will mean that you agree to any changes.

All products and services of RBC Caribbean are subject to the terms and conditions of the applicable agreements governing their use. In the event that the Terms or Page Disclaimers are inconsistent with the terms of any agreement that you or your organization may have with RBC Caribbean, the terms of that agreement will govern.

Local laws; export controls

It is important to note that not all of the products, services and Information made available or provided on the Websites are available in all RBC Caribbean jurisdictions. In addition, the Information does not constitute an offer or solicitation to buy or sell any currency, investment fund or other product, service or information to anyone in any jurisdiction in which an offer or solicitation is not authorized or cannot legally be made, or to any person to whom it is unlawful to make an offer or solicitation. For information specific to any RBC Caribbean jurisdiction, please contact your financial advisor.

Please be aware of the laws of your country or that otherwise apply to you in relation to any of the matters described in the pages of the Websites. If you choose to access the Websites, you do so on your own initiative and are responsible for your compliance with applicable local, national or international laws.

You may not use, export or re-export the Information or any copy or adaptation thereof in violation of any applicable laws or regulations in force from time to time.

Final Approval Requirement

Any application made to RBC Caribbean through the Websites is subject to verification and approval by RBC Caribbean and RBC Caribbean reserves the right to refuse to grant any application made through the Websites for any reason RBC Caribbean thinks fit.

Not Offering Any Advice

The Information is for informational purposes only and is not intended to provide specific financial, investment, tax, legal or accounting advice for you and should not be relied upon in that regard. You should not act or rely on the Information without seeking the advice of a professional.


It is an individual decision to use the Internet for communication purposes and that includes personal information disclosed to us through the Internet. Any unprotected communication over the Internet is, as with communication via any other medium (e.g. cellular phones, post office mail) (“the aforesaid media”), not confidential, subject to possible interception or loss and is also subject to possible alteration. You should not send any confidential, proprietary or sensitive information via the aforesaid media. The policy of RBC Caribbean is to adhere to strict policies of confidentiality, but RBC Caribbean cannot guarantee confidentiality of information transmitted via the aforesaid media ( including on the Websites), and is not and shall not be held responsible or liable for any unauthorised access to information transmitted via the aforesaid media including on the Websites.

RBC Caribbean shall not be liable in any way whatsoever, directly or indirectly, for any damages or loss whatsoever, resulting from or in connection with any communication sent by you to RBC Caribbean or any communication sent by RBC Caribbean to you at your request through the aforesaid media including the Internet, or for interference with or corruption of information transmitted on the Websites; including but not limited to the publication or use for whatever purpose of all or part of the Information.

No Warranties

RBC Financial (Caribbean) Limited and its subsidiaries, affiliates, directors, officers, employees or agents:

    i.           provide the Websites and the Information on an "as is, where is" basis and do not make any express or implied warranties, representations, endorsements or conditions with respect to the Websites or the Information, including without limitation, warranties as to merchantability, operation, non-infringement, usefulness, completeness, accuracy, currentness, reliability and fitness for a particular purpose; and

   ii.          do not represent or warrant that the Websites will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and backup of data and/or equipment and to take reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

Trademarks and Copyrights

Certain names, words, titles, phrases, logos, icons, graphics or designs, or other content on the Websites, are trademarks or trade names owned by the Royal Bank of Canada or its subsidiaries. Subsidiaries of Royal Bank of Canada are licensed to use the trademarks owned by Royal Bank of Canada.

Many of the trademarks displayed on the Websites are distinguished from one another and accompanied, at first use, with the appropriate trademark symbol: ®/TM/‡. When the trademark symbol ® is used, it refers to a registered trademark of Royal Bank of Canada. All other trademarks of Royal Bank of Canada are marked with the TM symbol. Whenever the ‡ symbol is used, it denotes a trademark which is the property of its respective owner. Alternate symbols such as ** or † may have also been used to denote a trademark which is the property of its respective owner.

Without limiting the generality of the foregoing, trademarks owned by Royal Bank of Canada include the following: LION & GLOBE Design, ROYAL, ROYAL BANK, RBC, ROYAL BANK OF CANADA, RBC ROYAL BANK and other trademarks including those comprised of "RBC" or "ROYAL".

Nothing on this site shall be construed as conferring any licence of any intellectual property rights, whether by estoppel, implication or otherwise. The Information is for your personal use, provided such use includes a reference to the respective copyright and/or trademark notice or attribution as denoted on the pages copied. The Information may not otherwise be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes without the express written permission of RBC Caribbean. The Information is protected under the copyright laws of Canada and the RBC Caribbean jurisdictions. Any unauthorized downloading, re-transmission, or other copying or modification of trademarks and/or the contents of the Websites may be a violation of all laws that may apply to trademarks and/or copyrights, and such actions could subject the copier to legal action.

Information provided by you

You agree that any information or materials that you provide to RBC Caribbean through any of the Websites in accordance with any and all provisions relating to the collection, use and disclosure of your information in any agreement made between you and any RBC Caribbean entity, may be used freely by any RBC Caribbean entity.

No Endorsements

No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any Information.

No Liability

RBC Caribbean is not responsible for and will not be liable to you or anyone else for any damages whatsoever (including direct, indirect, incidental, special, consequential, exemplary or punitive damages) arising out of or in connection with your use of or inability to use the Websites or the Information, or any action or decision made by you in reliance on the Websites or the Information, or any unauthorized use or reproduction of the Websites or the Information; even if RBC Caribbean has been advised of the possibility of these damages.


Links from or to websites outside the Websites are meant for convenience only. RBC Caribbean does not review, endorse, approve or control, and is not responsible for any sites linked from or to the Websites, the content of those sites, the third parties named therein, or their products and services. Linking to any other site is at your sole risk and RBC Caribbean will not be responsible or liable for any damages in connection with linking. Links to downloadable software sites are for convenience only and RBC Caribbean is not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the license agreement, if any, which accompanies or is provided with the software.


The Websites are administered by RBC Financial (Caribbean) Limited from its offices in Trinidad and Tobago. The Websites will be governed by and construed in accordance with the Laws of the Republic of Trinidad and Tobago. All disputes, controversies or claims arising out of or in connection with the Websites shall be submitted to and be subject to the jurisdiction of the courts of the Republic of Trinidad and Tobago. You agree to submit to the exclusive jurisdiction of the courts of the Republic of Trinidad and Tobago to finally adjudicate or determine any suit, action or proceeding arising out of or in connection with the Websites.