Terms and Conditions

Last Updated: March 31, 2026

These Terms and Conditions ("Terms") govern your use of the Rathbone Investments website and services. By accessing or using our website, you agree to be bound by these Terms.

Agreement to Terms

By accessing and using this website, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to these Terms, please do not use our website or services.

Use of Services

Eligibility

You must be at least 18 years of age to use our services. By using our services, you represent and warrant that you meet this age requirement.

Account Security

If you create an account with us, you are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

Prohibited Activities

You agree not to:

SMS Terms & Conditions

Text Message Program

By opting in to receive SMS communications from Rathbone Investments, you expressly consent to receive recurring marketing and promotional SMS/MMS messages, including offers, updates, and information about our financial products and services, sent using an automated telephone dialing system (ATDS).

Program Details:

Opt-Out Instructions:

You can opt out at any time by replying STOP to any text message. Once you send the message "STOP," we will send you a confirmation message that you have been unsubscribed. After this, you will no longer receive text messages from us.

Help Instructions:

For help or assistance, reply HELP to any message or contact us at stephanie@rathbone-investments.com.

Consent Not Required for Purchase:

Consent to receive marketing text messages is NOT a condition of purchasing any goods or services from Rathbone Investments.

Privacy:

Your mobile information will be used in accordance with our Privacy Policy. We do not share text messaging originator opt-in data with third parties for their marketing purposes.

Financial Services

No Guarantee of Approval

Submission of a loan application does not guarantee approval. All loan applications are subject to our underwriting criteria and approval process.

Loan Terms

Specific loan terms, including interest rates, repayment periods, and fees, will be disclosed in your loan agreement. You are responsible for reading and understanding all loan documents before accepting any loan.

Accuracy of Information

You agree to provide accurate, current, and complete information in all loan applications and communications with us. Providing false or misleading information may result in denial of services and potential legal consequences.

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Rathbone Investments or its content suppliers and is protected by copyright and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise use any content from our website without our express written permission.

Links to Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of third-party sites. The inclusion of any link does not imply our endorsement of the site.

Disclaimer of Warranties

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT:

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, RATHBONE INVESTMENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES.

Indemnification

You agree to indemnify, defend, and hold harmless Rathbone Investments and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with your access to or use of our services or your violation of these Terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflict of law provisions.

Dispute Resolution

Arbitration Agreement

Any dispute arising out of or relating to these Terms or our services will be resolved through binding arbitration, rather than in court, except that you may assert claims in small claims court if your claims qualify.

Class Action Waiver

You agree that any arbitration or proceeding shall be limited to the dispute between you and us individually. To the full extent permitted by law, no arbitration or proceeding shall be joined with any other, and there is no right or authority for any dispute to be arbitrated on a class-action basis.

Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any changes by posting the new Terms on this page and updating the "Last Updated" date. Your continued use of our services after any such changes constitutes your acceptance of the new Terms.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.

Entire Agreement

These Terms constitute the entire agreement between you and Rathbone Investments regarding our services and supersede any prior agreements.

Contact Information

If you have any questions about these Terms, please contact us:

Rathbone Investments
3805 Shunpike Road
Rio Grande, NJ 08242
Email: stephanie@rathbone-investments.com