The Cost of Money in the ECCU
Why Caribbean lending rates sit where they do, and the strategic decision that now follows from it.
Independent Strategic and Financial Advisory
The Caribbean is our territory.
Independent advice, on the three decisions that set an institution's direction.
Mergers and acquisitions, corporate finance, and sovereign advisory for the institutions that move Caribbean economies.
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Bank acquisitions led, on the buy side
8
Caribbean markets advised and operated in
20
More than twenty Years across global and Caribbean banking
Insights
Published commentary, carried by eight regional outlets.The firm argues in public
Two continuing series on the two systems a small economy cannot function without, money and movement, and standalone commentary on the decisions in front of the region.
Banked, But by Whom?
Ownership and access are the same question. A region that does not own its banks does not set their terms.
The Citizenship Crossroads
Brussels wants the investment-citizenship programs phased out. The answer is a negotiated trade position, not a defense of the revenue.
What we do
Independent advice, on the three decisions that set an institution's direction.Three lines of advice, and the disciplines that carry them
Mergers, Acquisitions and Divestitures
The defining Caribbean banking transaction of this era is an international bank leaving and a local institution taking its place.
We have been on the buying side of it twice, in two national markets and through two regulators.
The practiceCorporate Finance Advisory
Capital is not the scarce thing in this region. Structures an outside institution can underwrite are.
Issuer side and borrower side only. The firm takes no position in what it structures and distributes nothing.
The practiceSovereign and Public Finance Advisory
A small state negotiates with counterparties many times its size, and usually without an adviser of its own in the room.
Independent counsel to finance ministries and public bodies, on the side of the table that is outnumbered.
The practiceSubscribe
The Caribbean Ledger
The region, read closely, every week. Markets and money, connectivity, and the decisions in front of the region, from the desk that argues them in public. Free, and no more than one edition a week.
Independence
Four things this firm does not do, and one thing it is.Independence is a structure, not a promise.
The firm does not lend, trade, or underwrite. It holds no balance sheet and takes no positions. It is never paid for placing an instrument on the other side of its own advice. Advice is the only line on the invoice.
It is owned by its principal, not by a bank. No client is asked to hand its strategy to a competitor's subsidiary.
It carries no audit relationship. No independence rule decides in advance what this firm may be asked to do.
And it is from here. Its discipline was learned in the United States capital markets. Its judgment was formed on these islands.
St. Jean & Co. advises the institutions that carry Caribbean economies, on the decisions that set their direction for a decade.
The firm has worked at the transaction, at the product that sits beneath it, and at the controls beneath that. Most advisers have stood on one floor of that building.
The Firm
Independent advisory. What the firm has done, not what it offers.The Firm
St. Jean & Co. advises the institutions that carry Caribbean economies, on the decisions that set their direction for a decade.
Standing
Not a list of services. Three levels of one institution.Most advisers have stood on one floor of the building. This firm has worked on all three.
The transaction sits at the top. Underneath it are the products that make the institution worth acquiring, and underneath those are the controls that decide whether any of it survives contact with a regulator. Read it downward.
01
Transaction
Led the buy side when an international bank left. Twice.
Led the acquisition of the local operations of two departing international institutions, as Managing Director of an Eastern Caribbean commercial bank, in two separate national markets and through two regulators. The second took the institution across a national border for the first time.
02
Product
Structured financial products for enterprises the collateral test excluded.
Developed and structured credit products built for small enterprises rather than adapted from corporate lending: an unsecured facility, a sustainable MSME program delivered with a German savings-bank foundation, and a regional central bank's partial credit guarantee scheme used as the risk-sharing structure underneath.
03
Control
Built the controls, then ran them.
Designed and implemented enterprise-wide risk and results-based management frameworks, and led internal control at a group bank. Board service on credit, risk, compliance and investment committees.
Controls carry the products, and the products carry the transaction. Very few advisers in this region have been accountable at every level, and fewer still have been accountable for the same institution.
Lineage
Four decades, and one line of work running through all of it.The firm was incorporated in 2017. It began behind a counter on Nevis forty years earlier.
Dates appear here and nowhere else on this site. Everywhere else they would date the work. Here they are the argument.
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1980s
The Lime Tree and Muriel Cuisine
A family department store and a family restaurant, trading on Nevis. Clothing, perfumes, gifts and electronics on one side of the street and a kitchen on the other. The first balance sheet he read belonged to his own household.
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1995
Sundown Promotions
At eighteen he founded a promotions company and created a regional pageant that brought together the reigning carnival queens of nine islands.
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1996
Onto August Monday
The Nevis Island Government took the event into the summer festival and gave it its own night, moving it from September to August.
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1997
Handed on
He transferred the rights on leaving for university. The event still runs on that same night, under a new name, drawing ten territories.
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1998
The United States
University, then a career in banking that began in the United States capital markets. The discipline was learned there.
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2000s
A ferry between two capitals
He founded a transportation company running a fast ferry between the two capitals of a two-island federation, and a water taxi service alongside it. He later sold his interest.
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2015
The other side of the counter
A seat on the investment committee of a bank board. The first time he was on the side of the table that decides, rather than the side that asks.
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2017
St. Jean & Co.
The firm is incorporated in Nevis, a short walk from where the family business traded.
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2021
The first acquisition
As Managing Director of an Eastern Caribbean commercial bank, he led the buy side when an international institution sold its local banking operations and left the market.
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2022
A second, across a border
A second acquisition, in a second country and through a second regulator. The bank crossed a national border for the first time in its history.
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2026
Arguing in public
Two continuing research series and a body of published commentary carried across the regional press, with a pan-Caribbean business and policy publication to follow.
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Record
Institutional transactions led by the principal.Two acquisitions that redrew a bank's footprint
Acquisition of the local banking operations of a departing international institution
Saint Lucia
Acquisition of the local banking operations of a departing international institution
Saint Vincent and the Grenadines
Both led as Managing Director of an Eastern Caribbean commercial bank. The second took the bank across a national border and into a second market.
LeadershipFootprint
Registered in Nevis, working across the region.Markets where the firm and its principal have advised and operated, and continue to
Market The Bahamas
Plotted on true coordinates. Eight markets, from the Bahamas in the northwest to Curacao on the South American shelf.
Practice
Three lines of advice, one specialism, and the disciplines that carry them.What we do
The firm is built around the transaction that has reshaped Caribbean banking, around the capital that has to be structured before it will move, and around the small states that negotiate for their own account. It advises. It does not lend, trade, or underwrite, and it is never paid for placing an instrument on the other side of its own advice.
Signature practice
The transaction that has reshaped Caribbean banking.Mergers, Acquisitions and Divestitures
The defining Caribbean banking transaction of this era is an international bank leaving and a local institution taking its place. We have been on the buying side of it twice.
As Managing Director of an Eastern Caribbean commercial bank, the firm's principal led the acquisition of the local banking operations of two departing international institutions, in two separate national markets. The second carried the bank across a national border, into a second regulator, and into a second country.
These are not ordinary transactions. The seller is a withdrawing multinational, the asset is a live deposit book of customers who did not choose to be sold, the approval sits with a central bank rather than a competition authority, and the acquirer has one chance to migrate the operation without losing it. Very few people in this region have executed one. Fewer have executed two.
Acquiring exiting institutions
Purchase of operations, deposit books, portfolios and branch networks from international banks withdrawing from the region.
Cross-border transactions
Deals spanning more than one national jurisdiction, more than one regulator, and more than one licensing regime.
Structured transactions
Joint ventures, consortium acquisitions, carve-outs, spin-offs and recapitalizations where the structure is the deal.
Acquisition financing
The capital that funds the purchase, and the structure that has to carry it once it lands on the acquirer's balance sheet.
Regulatory approval and licensing
Central bank and Monetary Council approval, license transfer, and the conditions that attach to both.
Integration and migration
Moving an acquired book onto the acquirer's platform, with the customers, the staff and the deposits intact.
Divestiture and portfolio sale
The sell side of the same transaction, including carve-out, valuation and the orderly exit of a market.
Post-transaction governance
Board, risk and control architecture for an institution that has just changed size or entered a new country.
Why this practice exists
The international banks have withdrawn from the Caribbean in sequence. Their operations were sold or closed across more than a dozen territories, on reasons that were consistent throughout: the cost of compliance, and insufficient profitability in small markets.
What followed is the more important half. Local and regional institutions bought those operations, and for the first time the region's banking system is majority indigenous. That transfer is not finished, and every institution that completes one is left with an integration problem, a regulatory undertaking, and a governance structure built for a smaller bank.
Core practice
The capital that has to be structured before it will move.Corporate Finance Advisory
Capital is not the scarce thing in this region. Structures an outside institution can underwrite are.
Caribbean enterprises are told that capital is unavailable. More often the capital exists and the proposition does not survive contact with a credit committee: the cash flows are real but unevidenced, the security is a family asset, the currency is not the lender's, and the governance is a founder. The work is to build the structure that closes that distance, and to know before the meeting which of the four objections is the one that matters.
The firm advises the institution raising the capital, on its side of the table. It takes no position in what it structures, distributes nothing, and earns nothing from the counterparty. The advice is the entire product.
Capital raising and structuring
Advising the issuer or the borrower on how much, in what form, on what terms, and from whom: equity, debt, development finance and private placement.
Debt advisory and refinancing
Refinancing, rescheduling and liability management for institutions and enterprises carrying a structure built for an earlier balance sheet.
Development and blended finance
Access to the multilateral, bilateral and foundation capital that reaches this region, and the reporting discipline it arrives with.
Valuation and financial modeling
Valuation, feasibility and financial models built to be defended in front of a board, a regulator or a lender rather than filed.
Capital and balance sheet planning
Capital adequacy, funding structure and dividend policy for institutions that have to satisfy a supervisor before they satisfy a shareholder.
Investor and lender readiness
The governance, the accounts and the disclosure an enterprise needs in place before outside capital will look at it seriously.
Core practice
The small states that negotiate for their own account.Sovereign and Public Finance Advisory
A small state negotiates with counterparties many times its size, and usually without an adviser of its own in the room.
A Caribbean government meets its lenders, its bondholders, its concessionaires and the international institutions across a table where every other party has brought counsel, a valuation, and a precedent from somewhere else. The state brings a ministry that is already running the country. The gap that opens there is not a gap in intelligence. It is a gap in representation, and it is expensive.
The firm's principal has worked inside the machinery on the other side of that table: a currency union's approval architecture, a regional central bank's guarantee scheme, two national regulators in a single transaction, and the Monetary Council process that sits above them. Advising a public institution here is not an academic exercise in sovereign finance. It is knowing how the decision is actually taken, and who has to sign.
Sovereign and ministry advisory
Independent counsel to finance ministries and public bodies on transactions, financing decisions and negotiations where the state is the smaller party.
Public debt strategy
Debt profile, cost and maturity structure, liability management options, and what each of them costs the budget over a decade.
State-owned enterprise reform
Banks, utilities, ports and airports in public hands: restructuring, recapitalization, governance, and the case for or against divestment.
Infrastructure and project finance
Structuring, bankability and risk allocation for public infrastructure, and the concession terms a small state should refuse.
Public-private partnership
Design, evaluation and negotiation support for partnerships, with the contingent liability priced before it is signed rather than after.
Regional and multilateral engagement
Working with the central banks, regional bodies and development institutions whose approval or capital the decision ultimately depends on.
Why this practice exists
The Caribbean carries some of the highest public debt burdens in the world, in economies exposed to a single storm season and a single industry. Every fiscal decision taken here is taken under that pressure, and taken against counterparties who negotiate for a living.
Sovereign advisory exists in the major financial centers precisely because states need someone whose only obligation is to them. That function has been thinly available in this region, and it has almost never been available from a firm that is from here.
Specialist practice
The enterprises that fail the collateral test, not the credit test.MSME and Private Sector Finance and Development
Most small enterprises fail the collateral test, not the credit test. We designed small-business lending inside a bank rather than recommending it from outside one.
The firm's principal built and ran small-business finance in practice: an unsecured lending facility for small enterprises, a sustainable MSME program delivered with a German savings-bank foundation, and a regional central bank's partial credit guarantee scheme used to reach entrepreneurs who had no collateral to offer. He has also sat on the other side of the counter, in a family retail and hospitality business, which is where the understanding started.
That combination is the basis of the firm's claim to be the Caribbean's specialist adviser on MSME and private sector finance: a lender's grasp of how credit actually reaches an enterprise, an operator's understanding of what the enterprise is living through, and an evaluator's discipline in measuring whether the program worked.
Lending program design
Product, credit policy, scoring and delivery for small-business books, including unsecured and cash-flow-based lending.
Guarantee and credit enhancement
Partial credit guarantee schemes, risk-sharing facilities, and the structures that let a bank lend without collateral.
Enterprise capacity building
Building the financial capability of the enterprises themselves, so that a loan can be underwritten and repaid.
Advisory to MSME lenders
Strategy, portfolio design and institutional support for the banks, development finance institutions and funds that serve the sector.
Supporting practices
The disciplines the three lines of advice are carried by.Corporate Strategy, Turnaround, and Growth
Turnarounds are decided by what an institution stops doing.
Strategy design and execution, institutional turnaround, and growth into new lines and markets.
Financial-Institution Governance, Risk, and Results
A risk framework nobody uses is a document, not a control.
Board effectiveness, enterprise-wide risk management, internal control, and results-based management frameworks.
Program and Policy Evaluation
Most evaluations measure activity. The harder question is whether the outcome moved.
Independent, evidence-led evaluation of programs and strategies against their objectives, including economic contribution and impact assessment.
Technology & AI
Advisory only. The firm sells no software and takes no vendor fees.Technology and AI
The models being sold to Caribbean institutions were trained somewhere else, on economies that do not behave like ours, and validated against benchmarks that do not exist here.
The reading
What a model calibrated elsewhere does when it meets this region.Adopt them. Know what you are buying first.
That is not an argument against adopting them. It is an argument for knowing what you are buying, what it was calibrated on, and what it will do the first time a hurricane season, a correspondent-banking withdrawal, or a single large employer moves the whole portfolio at once.
A continental model learns from millions of borrowers whose incomes are uncorrelated. A Caribbean book is the opposite: one industry, one season, one weather event, and a concentration the training data never contained. The model does not fail loudly when it meets that. It stays confident, and the confidence is the problem.
The same holds for the data before the model. Much of what an institution here would want to train on has never been collected in a comparable form, which is why the firm builds regional data infrastructure of its own rather than waiting for it. Where the data is thin, the honest answer is usually a smaller model with a human decision behind it, not a larger one bought on the strength of a demonstration.
The firm sells no software, resells nothing, and takes no fee from a vendor. It is retained by the institution, and the advice is the only product.
What we advise on
Four questions to answer before the system is bought, not after.Model Risk and Validation
A credit model calibrated on a continental economy will misprice a small island one, confidently.
Independent review of vendor and in-house models: what the training data represents, where the assumptions break in a small concentrated economy, and what the institution is accountable for when the model is wrong.
AI Governance for Boards and Regulators
Boards are being asked to approve systems nobody in the room can interrogate.
Governance frameworks, board reporting, and approval standards for institutions adopting automated decisioning, sized for regional supervisors rather than borrowed wholesale from larger jurisdictions.
Data Infrastructure Before Data Science
Most institutions here do not have a modelling problem. They have a data problem wearing a modelling costume.
Assessment of what an institution actually holds, what it can legally use, and what has to exist before any analytical program is worth funding.
Digital Delivery in Small Markets
Scale economics do not arrive on their own in a market of ninety thousand people.
Channel strategy, build-versus-buy, and shared-infrastructure options for institutions whose customer base will never justify a platform built for millions.
Platforms
Ventures of St. Jean & Co.Platforms
The Caribbean does not lack analysts. It lacks the information infrastructure that would let them work.
Why they exist
A firm that advises on regional data, in a region without any.The firm builds what it needs, then opens it.
A firm that advises institutions on decisions taken against regional data has an obvious problem when the regional data does not exist. St. Jean & Co. builds the infrastructure it needs in order to do its own work, and then opens it to the institutions facing the same gap. Both ventures below carry the firm's name for that reason.
The ventures
One publishing, one in development.The Caribbean Ledger
Launching November 2026By St. Jean & Co.
A pan-Caribbean business, policy, and markets publication, built to a fast breaking-news cadence with editorial benchmarks drawn from Bloomberg and the Financial Times. Twice-daily regional editions published simultaneously across the region, with desks covering business and policy, island leads, markets, and sport.
Founded and published by Fletcher St. Jean.
The Terminal
In developmentBy St. Jean & Co.
A market and economic data terminal for Caribbean institutions: regional data, gathered and standardised, in one place. The premise is simple. Institutions in this region are asked to make decisions against benchmarks that were never compiled for them, and to buy analytical tools calibrated on data that excludes them.
For the advisory practice it is a working tool before it is a product: the firm's own analysis is only as good as the data underneath it.
In development. It will be described here in full when it ships, and not before.
Independence
St. Jean & Co. advises institutions. The Caribbean Ledger reports on them. The two are held apart deliberately, and the separation is governed rather than assumed.
The Ledger operates its own editorial standards, including a standing recusal that removes the publisher from editorial decisions touching any institution he advises or is employed by. No advisory client of St. Jean & Co. receives coverage, or is spared it, on account of that relationship. Advisory engagements carry a written conflicts disclosure covering both platforms.
Both platforms sit outside the advisory relationship by design. The firm's independence rests on a narrower and harder promise: it never earns a fee for placing a financial instrument on the other side of its own advice. A publication and a data terminal are not that. Where an advisory client is also a subscriber, the subscription is disclosed in writing and no advisory fee is contingent on it.
The firm sells no software and accepts no vendor commissions. Its technology advice is not a route to a product.
Insights
Published commentary and market analysis by the firm's principal, carried across the regional press.Insights
The firm argues in public. Two continuing series on the two systems a small economy cannot function without, money and movement, alongside standalone commentary on the decisions in front of the region.
The Caribbean Banking Series
Continuing
A sustained examination of the cost of money in the currency union, the structure of credit, and the region's connection to the global financial system. The series is the analytical spine of The Caribbean Ledger.
The Cost of Money in the ECCU
Why Caribbean lending rates sit where they do, and the strategic decision that now follows from it.
Banked, But for How Long?
Correspondent access is thinning while stablecoins reshape global payments. Defense is not a strategy.
Banked, But by Whom?
Ownership and access are the same question. A region that does not own its banks does not set their terms.
The Regional Aviation Series
Continuing
Airline failure in this region is structural, not commercial. The series treats connectivity as economic infrastructure rather than as a transport question.
Transport at the Crossroads
The region cannot integrate if it cannot move. Tax harmonization, infrastructure funding and one regulatory frame.
Caribbean Aviation at a Crossroads
Three hubs are forming as the incumbent retreats from unprofitable routes. Which markets are left behind is being decided now.
The Caribbean Airline Realignment: A Financial Analysis
The numbers underneath the route map, and what a rescue actually costs against what it buys.
Commentary
Standalone
The Citizenship Crossroads
Brussels wants the investment-citizenship programs phased out. The answer is a negotiated trade position, not a defense of the revenue.
Beyond the Boom: The ECCU’s Decade of Decision
A six-year revisit of an earlier assessment of the currency union, and what diversification has to mean now.
Leadership
Credibility rests on a verifiable record, not on unearned claims.Fletcher St. Jean
Founder and Principal
He has led two bank acquisitions across two national markets, and he learned what credit looks like from behind a shop counter.
As Managing Director of an Eastern Caribbean commercial bank, Fletcher St. Jean led the acquisition of the local banking operations of two departing international institutions, in Saint Lucia and in Saint Vincent and the Grenadines. The second carried the bank across a national border and established it in a second market.
His career spans more than two decades across global investment banking and Caribbean banking. It began at Citigroup in the United States and continued through Bank of Nevis International, Digicel, and managing-director-level bank leadership in the Eastern Caribbean. He has designed and implemented enterprise-wide risk and results-based management frameworks and led internal control at a group bank. He is a former President of the Bankers Association of St. Lucia and has served on bank boards and their credit, risk, compliance, and investment committees. He holds an MBA and a bachelor's degree in Finance and Accounting, with executive study at The Wharton School.
He has also built small-business finance in practice rather than in theory: an unsecured lending facility for small enterprises, a sustainable MSME program with the German Sparkassenstiftung, and the Eastern Caribbean Central Bank's partial credit guarantee scheme, used to reach entrepreneurs who had no collateral to offer.
My business roots began on Nevis, in a family store and a family restaurant I grew up working in. I learned what credit does to a business from the borrower's side of the counter, years before I sat on the committees that decide it. I have worked both sides of that counter since, and I still read a balance sheet from the first one. Fletcher St. Jean
Contact
Engagements begin with a conversation about the decision in front of you.Start a conversation
- General enquiries
- info@stjeanco.com
- Office of the Principal
- fletcher@stjeanco.com
- Telephone
- +1 (721) 587-5492
- Registered office
- Nevis
- Coverage
- The Caribbean region
Terms
What this website is, and what it is not.Terms of Use
This site describes the firm and the record of its principal. It is not an offer, it is not advice, and reading it does not make you a client.
Effective 4 September 2026. St. Jean & Co. may revise these terms; the version published here is the one that applies. Continuing to use the site after a revision means you accept it.
Scope
Information, not an engagement.Nothing on this site creates a client relationship or an obligation to act.
The pages here set out the firm's capabilities and the verified record of its principal. They describe work that has been done. They do not represent current client engagements, and they do not commit the firm to accept a mandate.
An engagement with St. Jean & Co. begins only when the firm and the client have signed a written engagement letter that names the scope, the fee and the parties. Until that letter exists, correspondence through this site, by email or by telephone is a conversation and nothing more. Do not send confidential or price-sensitive information before an engagement is in place; anything sent beforehand is received without a duty of confidence and may not be protected.
Not advice
No offer, no solicitation, no recommendation.The material here is general. Your decision is not.
Nothing published on this site is financial, investment, legal, tax or accounting advice, and nothing here is a recommendation to buy, sell or hold any security, instrument or business. It is not an offer or a solicitation of an offer in any jurisdiction where that would be unlawful, and it is not directed at any person in such a jurisdiction.
The firm is an independent adviser. It does not lend, trade or underwrite, it holds no balance sheet, and it is never paid for placing an instrument on the other side of its own advice. It is not a bank, a broker-dealer, an investment adviser or a licensed deposit-taking institution, and it does not carry on any activity for which a licence is required in the jurisdictions in which it works.
Any figure, date or transaction described on this site is presented as a matter of record and may be summarised or simplified. Past work is not a prediction of a future result. Before acting on anything read here, take advice on your own facts.
Use
What you may do with the content.Read it, quote it with attribution, and do not pass it off as your own.
The text, marks, photographs, page design and code on this site belong to St. Jean & Co. or are used with permission. You may read the site, print pages for your own reference, and quote short extracts provided St. Jean & Co. is identified as the source.
You may not republish the site or a substantial part of it, sell or license the content, use the firm's name or marks to imply an endorsement or a relationship that does not exist, scrape the site at a volume that degrades it for others, or attempt to interfere with its operation or security.
Data
There are no accounts and no tracking here.This site holds nothing about you.
The site is static. It has no login, no account, no payment, no advertising and no analytics or tracking cookies. It does not build a profile of you and it does not sell anything about you, because it collects nothing to sell.
Where the site invites an address, it does so in the open. The Caribbean Ledger sign-up hands your address to your own email program in a pre-filled message; the site itself does not store it. When you write to the firm, the firm holds your message and your address for as long as it takes to answer you and to keep a record of the correspondence, and uses them for nothing else. Write to info@stjeanco.com to ask what is held or to have it deleted.
The site links to third-party publications and, where the firm publishes one, to The Caribbean Ledger. Those sites are governed by their own terms and their own handling of data, not by these terms. A link is a reference, not an endorsement.
Liability
The site is provided as it is.The firm stands behind its engagements. It does not warrant a web page.
This site is made available as it stands and as it is available. St. Jean & Co. takes care that it is accurate at the date of publication but gives no warranty, express or implied, that it is complete, current or uninterrupted, or that it is fit for any particular purpose.
To the fullest extent the law allows, St. Jean & Co., its officers and its personnel are not liable for any loss arising from use of this site or reliance on anything in it, including loss of profit, loss of opportunity, loss of data or any indirect or consequential loss. Nothing in these terms limits liability for fraud, for fraudulent misrepresentation, or for anything else that cannot lawfully be limited. Liability arising under a signed engagement letter is governed by that letter and not by this page.
Law
Where the firm is incorporated.Governed by the law of St. Kitts and Nevis.
St. Jean & Co. is incorporated in Nevis. These terms, and any dispute arising out of them or out of use of this site, are governed by the laws of the Federation of St. Kitts and Nevis, and the courts of the Federation have exclusive jurisdiction over them. If any part of these terms is held to be unenforceable, the rest of them continue to apply.
Questions about these terms go to info@stjeanco.com.