Legal Statement
Important legal notice
1. Company and regulation details
Standard Life Wealth Limited* (SC317950), Standard Life Investments Limited* (SC123321) and Standard Life Investments (Mutual Funds) Limited* (SC123322), are all registered in Scotland at 1 George Street, Edinburgh EH2 2LL and are authorised and regulated by the Financial Services Authority ("FSA").
Standard Life plc (SC286832) and Standard Life Employee Services Limited (SC271355) are registered in Scotland at Standard Life House, 30 Lothian Road, Edinburgh EH1 2DH.
FSA Register Reference Numbers: Standard Life Wealth Limited - 466684, Standard Life Investments Limited - 188406, Standard Life Investments (Mutual Funds) Limited - 146477. The FSA Register can be found at http://www.fsa.gov.uk/pages/register/.
Standard Life group VAT number GB270347469.
Any reference within the pages of this site, to "Standard Life Wealth ", "we", "our" or "us" means Standard Life Wealth Limited, to "Standard Life Investments" means Standard Life Investments Limited, to "Standard Life Investments (Mutual Funds)" means Standard Life Investments (Mutual Funds) Limited, to "Standard Life Employee Services" means Standard Life Employee Services Limited and to "Standard Life group" means the subsidiary companies of Standard Life plc, unless otherwise indicated.
2. Residence
This website is intended for the information of United Kingdom ("UK") residents unless otherwise stated.
3. General Disclaimers and terms
While we have taken all reasonable care to ensure that the information contained within the pages of this site is accurate, current and complies with relevant UK legislation and regulations as at the date of issue, errors or omissions may occur due to circumstances outside our control. We reserve the right to change the content, presentation, performance, facilities and availability of all or part of the pages of this site at our sole discretion and without prior notice. We make no warranty or representation that the pages of this site can be accessed at all times during the UK hours of business stated on this site. This site may be temporarily unavailable or restricted for administrative or other reasons. We will not be liable for any loss or damage arising out of or in connection with the loss of the use of this site.
We accept no responsibility for information contained in any other sites which can be accessed by hypertext link from these pages or for these other sites not being available at all times. The links to any other sites are provided for general information purposes only and the sites concerned and their contents are not endorsed or promoted by us in any way, unless otherwise stated. Please note that when you click on any external site hypertext link, you will leave our site and access the external site at your own risk.
Past performance is not a guide to future performance. Values may fall as well as rise and you may not get back the amount you invested. The income from investments may fluctuate and in certain cases part of the capital invested may be used to pay income. Income may be achieved by foregoing future capital growth. For investments denominated in a currency other than an investor's base currency, changes in rates of exchange may have an adverse effect on the value, price or income of investments. By accessing these pages, you shall be deemed to have accepted, and agreed to be bound by, the terms of this Important Legal Notice, which will be governed by and construed in accordance with the law of Scotland, unless otherwise stated.
4. Advice
Nothing on the pages of this site shall be deemed to constitute financial or other professional advice in any way and you should consult your financial adviser or other professional adviser if you require any financial or other professional advice.
5. Copyright and trade mark
© 2008 Standard Life. All rights reserved.
Copyright in the pages of this site, in the screens displaying the pages and in the information and material contained therein and their arrangement, is owned by Standard Life Employee Services, or such other member of Standard Life group as Standard Life Employee Services may direct, unless otherwise indicated.
Standard Life Employee Services, or such other member of Standard Life group as Standard Life Employee Services may direct, may also claim trade mark and service mark rights in marks contained within the pages of this site.
Reproduction of these pages in whole or in part without the prior written consent of Standard Life Employee Services, or such other member of Standard Life group as Standard Life Employee Services may direct, is strictly prohibited unless for private, non-commercial viewing purposes.
6. E-mail
Please note that there is no guarantee that any e-mail sent will be received, or that the contents of any such e-mail will remain private during Internet transmission. If you have any such concerns, you may prefer to use the telephone or postal system instead.
We reserve the right to monitor the use and content of e-mails which are sent from and received by us for the purposes of ensuring compliance with our own e-mail policy, and identifying and taking action against unlawful or improper use of our systems, including, but not limited to, spoofing, the transmission of computer viruses and denial of service attacks.
7. Downloads
Please note that any software is downloaded at your own risk. We do not warrant the suitability of any such software, which is downloaded and accept no liability for any problems with your computer that may arise as a result. If you are in any doubt as to the suitability of software to be downloaded for your computer, it is recommended that you obtain specialist advice before downloading.
8. Financial Services Compensation Scheme (FSCS)
Standard Life Wealth is covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if Standard Life Wealth cannot meet its obligations. This depends on the type of business and the circumstances of the claim. For example, most types of investment business are covered for 100% of the first £30,000 and 90% of the next £20,000 so the maximum compensation claim is £48,000.
Further details of the Scheme are available on request from Standard Life Wealth or on the FSCS site at http://www.fscs.org.uk/.
Data Protection Policy
Standard Life Wealth needs to collect and use personal data about people including past, present and prospective customers in order to carry on its business and meet its customers' requirements effectively. We recognise that the lawful and correct treatment of personal data is very important to successful operations and to maintaining our customer's confidence in ourselves.
Any personal data which we collect, record or use in any way whether it is held on paper, on computer or other media will have appropriate safeguards applied to it to ensure that we comply with the Data Protection Act 1998. We fully endorse and adhere to the eight principles of Data Protection as set out in the Data Protection Act 1998. These principles state that personal data must be:-
- fairly and lawfully processed
- processed for limited purposes and not in any other way which would be incompatible with those purposes
- adequate, relevant and not excessive
- accurate and kept up to date
- not kept for longer than is necessary
- processed in line with the data subject's rights
- kept secure
- not transferred to a country which does not have adequate data protection laws.
Our purpose for holding personal data and a general description of the categories of people and organisations to which we may disclose it are listed in the Data Protection register. We do not disclose information to any third party unless we believe it is lawful to do so. Customers may inspect this or obtain a copy from the Information Commissioner's Office. In order to meet the requirements of the principles, we will:
- observe the conditions regarding the fair collection and use of personal data
- meet our obligations to specify the purposes for which personal data is used
- collect and process appropriate personal data only to the extent that it is needed to fulfil operational needs or to comply with any legal requirements
- ensure the quality of personal data used
- apply strict checks to determine the length of time personal data is held
- ensure that the rights of individuals about whom the personal data is held, can be fully exercised under the Act
- take appropriate security measures to safeguard personal data
- ensure that personal data is not transferred abroad without suitable safeguards.
When we collect any personal data from a customer, we will inform the customer why we are collecting the data and what we intend to use it for. Where we collect any sensitive data, we will take appropriate steps to ensure that we have explicit consent to hold, use and retain the information. Sensitive data is personal data about an individual's racial or ethnic origin, political opinions, religious beliefs, trade union membership, physical or mental health, sex life, details of the commission or alleged commission of any offence and any court proceedings relating to the commission of an offence.
UK companies within Standard Life group may share personal data (only within Standard Life group and excluding sensitive personal data) relating to their customers to enable them to integrate administrative tasks such as address changes. This helps to maintain consistent records for customers who have products with more than one company within Standard Life group.
We have a responsible marketing policy and do not give details of our customers or related individuals to any other company outside the Standard Life group of companies. Customers may be contacted by other companies within the Standard Life group of companies by mail or telephone with details of other products or services. If they do not wish to be marketed in this way they can write to the Data Protection co-ordinator, at our head office, Standard Life House, 30 Lothian Road, Edinburgh, EH1 2DH (quoting their full name, date of birth and policy number if known).
Under the Data Protection Act, any individual may write to the Data Protection Co-ordinator at the above address and request a copy of the information which we hold about them. We reserve the right to charge the maximum fee payable in terms of the Data Protection Act for providing this information. If the details are inaccurate you can ask us to amend them.
Cookie policy
Standard Life group websites use cookies. A "cookie" is a piece of information that is saved to the hard drive of your computer and "remembers" information about the configuration of your computer.
We use this information to track your movements through our websites to find out how they are being used and assess their usefulness. Personal information about you is not collected during the tracking process.
We also use persistent cookies if you have registered for any of our online services. These cookies allow us to make the logging-in process easier and more secure. They will also pre-populate your details should you need to complete one of our online forms.
You can disable the cookies that we attach if your browser supports this. For further information on how to do this, please refer to www.aboutcookies.org. However, you should bear in mind that if you exercise this option, you may be unable to use some of our online services.
Standard Life group may use third-party advertising companies to place advertisements about our products and services on other websites. The advertising companies may use cookies to measure advertising effectiveness and offer selective advertisement content. The advertising companies may use anonymous information about your visits to our and other websites, but nothing that personally identifies you. Please browse doubleclick.com if you would like more information about the advertising companies we use, their privacy practices, or to prevent them from sending and reading cookies on your computer.
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