Banking and financial services involve certain risks. Customers should understand these risks before using Imperial Trust Group services.
Operational Risk
Online banking services may occasionally experience:
- Maintenance
- Technical interruptions
- Delayed processing
- Internet outages
Cybersecurity Risk
Although we implement advanced security measures, no online system can guarantee absolute protection.
Customers should:
- Use strong passwords
- Enable two-factor authentication
- Protect devices
- Avoid phishing scams
Currency Risk
Foreign exchange rates fluctuate continuously.
International transfers and multi-currency accounts may be affected by exchange rate changes.
Payment Processing Risk
Transfers may be delayed due to:
- Compliance reviews
- Bank holidays
- International banking networks
- Regulatory requirements
Fraud Risk
Customers should remain vigilant against:
- Phishing emails
- Fake banking websites
- Telephone scams
- Social engineering attacks
Imperial Trust Group will never request passwords or OTP codes by email or telephone.
Investment Risk
Where investment or wealth management services are provided:
- Investments may rise or fall in value.
- Past performance does not guarantee future results.
- Customers should seek independent financial advice where appropriate.
Regulatory Risk
Changes in applicable laws or regulations may affect products, services, or account availability.
Customer Responsibility
Customers are responsible for:
- Protecting login credentials
- Monitoring account activity
- Reporting suspicious transactions immediately
Limitation of Liability
Imperial Trust Group is not responsible for losses arising from:
- Customer negligence
- Unauthorized disclosure of credentials
- Force majeure events
- Government actions
- Internet service interruptions
Contact
If you have concerns regarding any risk described in this disclosure, please contact our Customer Support or Compliance Department before using our services.