What has changed in the new 2021 Terms and Conditions?
The primary reason for the update to your Terms and Conditions was the addition of Section 17 - Additional Services and Products, as we may look to add additional services to your account in the future.
Have you increased my fees?
No, there has been no change to the fee schedule. This update was only for the Terms and Conditions governing your account.
Why does the online version have an effective date of 20th September 2021?
The online version was effective from 20th September for new customers.
If you're an existing customer, the changes will not apply to your account until the 15th December 2021.