Investment Products Terms and Conditions

1. Any special offer or promotion mentioned above is not valid with other offers, privileges or promotions unless otherwise stated.
2. The Bank may vary, modify, add, delete or otherwise revise any of the terms and conditions governing the promotion. It may also terminate, withdraw, extend/shorten the promotion at any time at the Bank’s sole and absolute discretion, without prior notice or reason (and the Bank shall not be obliged to disclose its reason for doing so).
3. The Bank reserves the right to determine at its sole and absolute discretion all matters arising out of or in connection with the promotion, including your eligibility for the Gifts and/or promotion and/or the amount of interest that you are entitled to receive. The Bank’s determination of all matters relating to this promotion shall be final and conclusive and no correspondence will be entertained.
4. Your account/s with the Bank must be validly existing (i.e. must not be suspended, cancelled or terminated), in good standing, and always conducted in a proper and satisfactory manner, as determined by the Bank in its sole and absolute discretion.
5. The minimum investment amount will continue to apply for the Mutual Funds product lumpsum investment and Smart Savings Plan.

The Wall Street Journal Offer Terms and Conditions

1. The Wall Street Journal (WSJ) 12-month complimentary digital membership offered by Standard Chartered Bank UAE is only valid from 01 Jan 2021 to 31 March 2021 (both dates inclusive).
2. Client will be entitled for a 12-month complimentary digital membership to WSJ.com after their first Online Mutual Funds investment transaction via SC Mobile app during the stated campaign period. Investment transaction means “subscribing” to Mutual Funds. Redeeming / selling Mutual Funds is excluded from this offer.
3. For joint accounts, only one complimentary WSJ digital membership code will be given after the first successful Online Mutual Funds investment transaction.
4. The complimentary membership is not transferable or exchangeable for cash, credit or any other items in part or in whole. This offer is strictly non-transferable, non-assignable and non-exchangeable, whether in full or in part.

Life Insurance Products Terms and Conditions

1. Only regular premium life insurance products are eligible for this promotion (Global Choice, Futura & International Term assurance (ITA). Wealth Accumulation Plan is excluded from this offer.
2. Minimum monthly premium amounts apply as per below:
   

   Product	Premium frequency	Minimum monthly premium
   Global Choice and Futura	Monthly	$750
   Term Insurance Products	Monthly	$200 or $2,400 annual premium

3. Two months’ free premium – All clients will be liable to pay the 1st premium, following which the Bank will credit the 2nd and 3rd month premiums into the eligible client’s bank account on the due date. For Term Plan policies where the payment frequency is annual or quarterly, the bank will credit an amount equivalent to 2nd and 3rd month’s premium to the eligible client’s account. Example: For an annual premium of $2,400, the 2nd and 3rd month’s equivalent premium of $400 will be credited.

General Insurance Products Terms and Conditions

1. AXA Motor Insurance, Home Insurance, Travel Insurance Promotion is valid for new insurance policies (excluding renewals) issued by AXA for customers of Standard Chartered UAE by 31 March 2021 and may be subjected to minimum premium criteria.
2. Renewal policies may be excluded from AXA Insurance Promotions.
3. Back to Invoice cover for total loss: If your car is under 24 months old and declared a total loss, at AXA’s decision we will either reimburse you: a) The purchase price of Your Vehicle (minus any additional charges including but not limited to charges for non-manufacturer accessories and finance charges); or: b) The current retail price of purchasing a brand new vehicle of the same model as Your current vehicle.
4. Emergency Medical expenses related to infectious disease includes:
5. Coverage in case of illness due to an infectious disease (epidemic/pandemic) in any country apart from the country the Trip originated.
6. Coverage of up to USD 100 per day for mandated quarantine expenses up to for a maximum of 15 days in any country apart from the country the Trip originated, following a positive diagnosis.
7. Coverage for any reasonable and customary additional costs incurred for changing flights if, following a positive diagnosis for an infectious disease, if a customer is unable to take the existing flight home.
8. The benefits listed are subject to specific plan limits, and all applications are subject to underwriting and acceptance by AXA.
9. By clicking on “Request a call” and subsequently providing the details, you will be sending the information directly to AXA in order to contact you for the sale of General Insurance Products listed above and any other product you agree for.
10. By providing your details to AXA you hereby authorise, agree and consent to: persons and organisations, whether within or outside UAE, including but not limited to regulator, dispute resolution centres and insurers, their associated persons/ organisations, my/our or the insured person’s employers or financial service providers, or their third party service providers or representatives (collectively “Third Parties”) disclosing and releasing to AXA, its associated persons/organisations, its and their third party service providers and its and their representatives, whether within or outside UAE (collectively “AXA Persons”), any information concerning the policy owner and the insured person(s) at any time, including all personal data and information, and any financial information, including the taking of copies of such records (collectively “Personal Data”), relevant for the Purpose.
11. By selecting ‘Apply Now’ and/or ‘Retrieve Quote’ on the mobile app you will be leaving the Bank’s mobile application to access a Third-Party Website (“TPW”). The Bank shall not be liable for the handling of any information you may provide on the TPW, or for any loss incurred in connection with your access to or use of TPW. The Bank makes no warranties, representations or undertakings about the TPW. Post providing your details on the TPW, if you are unable to complete the purchase, an AXA representative can contact you to assist in completing the purchase.
12. Standard Chartered Bank UAE (“Bank”) earns a referral fee from the Insurance provider – AXA Insurance (Gulf) B.S.C © (“AXA”) from the sale of this product and taking this policy is not a pre-condition to any other banking product you sign up for with the Bank. Insurance Products are not deposits or obligations of, or guaranteed by, the Bank or any of its affiliates or subsidiaries

Home Finance Terms and Conditions

1. Rates are dependent on the fixed rate period chosen and property selected
2. Valuation Fee is waived provided that Blanket Valuation is valid at the time of valuation
3. For Islamic Home Finance, the Bank will pay the Property Takaful for the entire tenure of the Home Finance