You may print off one copy, and may download extracts, of any page(s) from our site for your personal reference and you may draw the attention of others within your organisation to material posted on our site. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them. Attempts to contact you after we have closed your Account for any reason. Choose your risk level and you’re done. b. These are additional terms (“Additional Terms”) and conditions which apply when you opt in to our Portfolio Gliding feature. You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. We can manage all your investment goals for 0.48% of your Assets under Management (our fees) plus the ETF issuer costs (fees of the Funds you invest in). Operational cookies These are cookies that are required for the operation of our website. By entering into this Agreement, you acknowledge and agree that it will be your obligation to complete and submit the appropriate tax filings in your country of tax residence. Where it is necessary for our legitimate interests (or those of a third-party) and your interests and fundamental rights do not override those interests. The main risks associated with this include: A movement in exchange rates may have a separate effect, favourable or unfavourable, on the gain or loss otherwise experienced on the investment; If depositing collateral denominated in one currency, you may be subject to margin calls in circumstances where the obligations are denominated in another currency (in addition to the risk of margin calls for fluctuations in relative values); and. A remuneration committee agrees and monitors awards to achieve consistency and equitability and does not lead to conditions that may foster conflict. We require a minimum Account value of £1,000 / €1,000 / $1,000. We process information about you in accordance with our privacy policy. 35. We require a minimum Account value of £1,000 / €1,000 / $1,000. By using our site, you consent to such processing and you warrant that all data provided by you is accurate. Generally, we do not rely on consent as a legal basis for processing your personal data other than in relation to sending marketing communications to you via email or text message. If, after a period of three years, the administration of the account is ongoing and the account has not been closed, the account will cease to be a continuing account of a deceased investor and, on the next working day following the third anniversary of the deceased’s death, the ISA wrapper will be removed from the account and all subsequent income or gains will then become taxable in the hands of the estate. We would, however, appreciate the chance to deal with your concerns before you approach the ICO so please contact us using the details in paragraph 8 above in the first instance. By using our site, you indicate that you accept these terms of use and that you agree to abide by them. We will ask you to settle that overdraft if your Account becomes overdrawn and you agree to do so within a reasonable period. You and we irrevocably agree that the courts of England and Wales will have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with this Agreement (including non-­contractual disputes or claims). ETFmatic reserves the right to decide whether it will carry out an asset transfer, or whether it will liquidate the client’s portfolio and return cash. We are committed to taking measures to recognise, supervise, examine and resolve conflicts of interest. This Agreement has been drafted in English. Comply with our obligations to prevent any illegal activities such as money laundering, tax evasion and fraud. You're smart when you start early! I started on both brokers half a year ago to see which one I liked most, and now I’m planning to move all my funds to Degiro. Common reasons for closing an Account held with us include: You are in breach of any terms of this Agreement; You have not accessed your Account within the past five years; You have not funded your account for more than one year; We have reasons to suspect that your Account was accessed without authorisation. Taking all reasonable steps to ensure that no one accesses your account without permission. Financial Data includes bank account and payment card details. Technology sweeps across industries, disrupting the norm and throwing civilians jobs into question. We will send you an email notice if, due to a failure to satisfy the provisions of the Regulations, your ISA becomes void. ETFmatic is the only pan-European robo-advisor with availability in 32 European countries, offering you bespoke Pound (GBP), Euro (EUR) and Dollar (USD) portfolios starting from 100 €/$/£ We are always aiming to be the most transparent and cost-effective investment solution online. There will be no Income Tax or Capital Gains Tax to pay up to that date, but ISA investments will form part of your estate for Inheritance Tax purposes. If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. We are under no obligation to tell you before terminating our relationship with the Bank and appointing a replacement. Compensation levels are subject to change and exclusions. For the removal of doubt, should ETFmatic decide to return cash it will not assume any of the client’s tax liabilities. 31. Any of the material on our site may be out of date at any given time, and we are under no obligation to update such material. To qualify: The Service provider should no longer have enough funds to meet the Client’s compensation claim; The Client must be owed a civil liability in relation to the regulated activity; and. c. Know Your Customer (KYC), analytical and cyber security service providers. A discussion forum for advice on personal finance in EU countries. Robo-advisory is a category established by U.S. companies like Betterment and Wealthfront, it does not imply we provide advice. We are bound by the European Union’s Markets in Financial Instruments Directive (“MiFID”) to undertake transactions without disadvantaging our clients. It may take up to fourteen (14) business days for the money you have requested to arrive in your account. The fact that a new issue or a related security is being stabilised should not be taken as any indication of the level of interest from investors, nor of the price at which they are prepared to buy the securities. This helps us to distinguish a ‘complaint’ from a mere ‘query’. You authorise us to use your personal information to provide our services to you in accordance with our Privacy Policy. Staff remuneration is by means of a basic salary which is not linked to the underlying performance of the company. You notifications to comply with the UK and EU laws and regulations on reporting and sharing of information... Their questionnaire and select your risk level and our third-parties and public databases best... Protections, please refrain from using our site notices published elsewhere on our Website ii. Fee to access your personal data for any reason our site, you may change the content at time. Agreement, these Additional terms and the standards of Conduct to which they must adhere a independent! Portfolios designed exclusively for you as per our permissions and the Electoral Register based inside the EU and.... 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