Legal notice

Important Legal Information

1. Introduction

Using any pages of this site indicates that you accept the terms set out in this Legal Notice ("Notice") and, if you do not accept these terms, please leave the pages of this site immediately. This Notice is issued by Standard Life Assurance Limited.

We may update the terms of this Notice from time to time by updating this page. You should revisit this page regularly to ensure that you have seen and are aware of the current terms, as they are binding on you.
Certain provisions in this Notice may be superseded by expressly designated notices or terms located on particular pages of the site.

In this Notice any reference to "we", "our" or "us" means Standard Life group (being Standard Life plc and its subsidiaries) and, where relevant, Standard Life Cash Savings & Mortgages (a trading name of Barclays Bank PLC).

2. Company and regulation details

Standard Life Assurance Limited (SC286833),
Standard Life Trustee Company Limited* (SC076046),
Standard Life Lifetime Mortgages Limited (SC193441),
Standard Life Client Management Limited (SC193444),
Standard Life Savings Limited (SC180203), manager of the Standard Life ISA,
Standard Life Employee Services Limited* (SC271355), and
Standard Life plc* (SC286832),
are all registered in Scotland at Standard Life House, 30 Lothian Road, Edinburgh EH1 2DH.
Standard Life Investments Limited (SC123321) and
Standard Life Investments (Mutual Funds) Limited (SC123322)
are both registered in Scotland at 1 George Street, Edinburgh EH2 2LL.

All companies outlined above in this section 2 are authorised and regulated by the Financial Services Authority ("FSA") (* except for Standard Life Trustee Company Limited, Standard Life plc and Standard Life Employee Services Limited).

Standard Life International Limited is registered in Dublin, Ireland (number 408507) at 90 St Stephen's Green, Dublin 2. Telephone number 00353 16397766. Calls may be monitored and/or recorded to protect both you and us and help with our training. Call charges will vary.

Standard Life International Limited is authorised and regulated by the Central Bank of Ireland and subject to limited regulation by the Financial Services Authority ("FSA"). Details about the extent of our regulation by the FSA are available from us on request.

FSA Register Reference Numbers: Standard Life Assurance Limited - 439567, Standard Life Lifetime Mortgages Limited - 310206, Standard Life Client Management Limited - 435970, Standard Life Savings Limited - 188796, Standard Life Investments Limited - 188406, Standard Life Investments (Mutual Funds) Limited - 146477, and Standard Life International Limited - 446898.
The FSA Register can be found at http://www.fsa.gov.uk/pages/register/.

Standard Life group VAT number GB270347469.

Retail investment products and funds are issued by Standard Life Savings Limited and Standard Life Investments (Mutual Funds) Limited.

ISA information is issued by Standard Life Cash Savings & Mortgages (a trading name of Barclays Bank PLC) or Standard Life Assurance Limited on behalf of Standard Life Savings Limited, the ISA manager.

Any reference within the pages of this site to:
"Standard Life Assurance" means Standard Life Assurance Limited,
"Standard Life Savings" means Standard Life Savings Limited,
"Standard Life Trustee Company" means Standard Life Trustee Company Limited,
"Standard Life Client Management" means Standard Life Client Management Limited,
"Standard Life Employee Services" means Standard Life Employee Services Limited,
"Standard Life Investments" means Standard Life Investments Limited,
"Standard Life Investments (Mutual Funds)" means Standard Life Investments (Mutual Funds) Limited,
"Standard Life Lifetime Mortgages" means Standard Life Lifetime Mortgages Limited,
"Standard Life International" means Standard Life International Limited,
"Standard Life group" means Standard Life plc and its subsidiary companies,
unless otherwise indicated.

3. Intended audience

The pages of this site are intended for the information of residents of the United Kingdom ("UK") unless otherwise stated.

4. 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 the pages of this site, 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.

5. Advice

Nothing on the pages of this site constitutes 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.

6. Copyright and trade mark

© 2012 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.
Copyright in certain site content is reproduced under licence from Barclays Bank PLC.
Certain images used in the pages of this site are reproduced under licence.
"Standard Life" and the Standard Life logo are registered trade marks of Standard Life Employee Services. Standard Life Employee Services and other members of Standard Life group may also claim trade mark and service mark rights in other marks contained within the pages of this site.
Reproduction of the pages of this site 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.

7. 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 or unaltered during Internet transmission. If you have any such concerns, you may prefer to telephone or write to us instead. We accept no liability for any damages you or others may suffer as a result of the alteration or loss of confidentiality of any such information.
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, or attacks on, our systems.

8. Computer misuse

We recommend that you employ reasonable virus detection and protection measures when accessing the pages of this site. We will not be liable for any loss or damage resulting from any attack by a third party on our systems or for any computer virus or other malicious or technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of this site.

9. Downloads

Any software, multimedia files, photographs, reports and other documents are downloaded at your own risk. We do not warrant the suitability of any such downloads 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 any such downloads for your computer, it is recommended that you obtain specialist advice before downloading.

10. Financial Services Compensation Scheme (FSCS)

Companies authorised and regulated by the FSA are members of the FSCS established under the Financial Services and Markets Act 2000 which protects customers if a company goes out of business. Accordingly you may be entitled to compensation from the FSCS if a company authorised and regulated by the FSA cannot meet its obligations depending on the type of business and the circumstances of the claim. Further details of the FSCS are available on the FSCS site at http://www.fscs.org.uk/.

11. Governing Law

The terms of this Notice and the use of the pages of this site shall be governed by the laws of Scotland unless otherwise stated, and the Scottish courts shall have non-exclusive jurisdiction in the event of a dispute.