Important Legal Notice

Introduction

In this Notice, any reference to 'we', 'our' or 'us' means Standard Life group and, where relevant, Standard Life Bank plc. Please note that Standard Life Bank plc is no longer part of the Standard Life group.

1. Company and regulation details

Standard Life Assurance Limited (SC286833), Provider and Scheme Administrator of the Standard Life Self Invested Personal Pension Scheme, 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 plc* (SC286832) and Standard Life Employee Services Limited* (SC271355) 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.

Standard Life Healthcare Limited (02123483) is registered in England at Marshall Point, 4 Richmond Gardens, Bournemouth BH1 1JD.

All companies authorised and regulated by the Financial Services Authority ('FSA') (* except for Standard Life Trustee Company Limited, Standard Life plc, Standard Life Employee Services Limited).

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 Healthcare Limited - 202716. 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 Bank plc or Standard Life Assurance Limited on behalf of Standard Life Savings Limited, as ISA manager.

Any reference within the pages of this site, to 'Standard Life' means Standard Life Assurance Limited, to 'Standard Life Client Management' means Standard Life Client Management Limited, to 'Standard Life Employee Services' means Standard Life Employee Services Limited, to 'Standard Life Investments' means Standard Life Investments Limited, to 'Standard Life Healthcare' means Standard Life Healthcare Limited, to 'Standard Life Investments (Mutual Funds)' means Standard Life Investments (Mutual Funds) Limited, to 'Standard Life Lifetime Mortgages' means Standard Life Lifetime Mortgages Limited,  to 'Standard Life group' means the subsidiary companies of Standard Life plc and Standard Life Assurance Limited, unless otherwise indicated.

Standard Life Bank plc

Certain cash savings and mortgage products referred to (and clearly indicated) within the pages of this site are provided by Standard Life Bank plc, a division of the Barclays Group.

Standard Life Bank plc, registered in Scotland (SC173685), Standard Life House, 30 Lothian Road, Edinburgh EH1 2DH, authorised and regulated by the Financial Services Authority (except in relation to 'Buy to Let' mortgages). FSA register Reference Number 187878.

VAT number 243 8522 62

Any reference within the pages of this site to 'Standard Life Bank' means Standard Life Bank plc.

2. Residence

This website is intended for the information of residents of the United Kingdom ('UK') 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.

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

© 2010 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, 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 license from Standard Life Bank.

We may also claim trade mark and service mark rights in 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, 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 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 our systems, including, but not limited to, spoofing, the transmission of computer viruses and denial of service attacks.

7. Downloads

Any software is downloaded at your own risk. We do not warrant the suitability of any such software that 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) - Savings and Mortgages

Standard Life Bank plc is a member of the Financial Services Compensation Scheme established under the Financial Services and Markets Act 2000 which protects customers if a bank goes out of business. You may be entitled to compensation from the scheme if Standard Life Bank plc cannot meet its obligations depending on the type of business and the circumstances of the claim.

Compensation payments under the Scheme amount to 100% of a depositor's first £50,000 deposited (for claims against firms declared in default from 7 October 2008). Most depositors, including individuals and small firms are covered.

Mortgage advising and arranging is covered for 100% of the first £50,000.

Further details of the Scheme are available on request from Standard Life Bank plc or on the FSCS site at http://www.fscs.org.uk/.



Standard Life Bank plc, registered in Scotland (SC173685), Standard Life House, 30 Lothian Road, Edinburgh EH1 2DH. Authorised and regulated by the Financial Services Authority. Standard Life Bank plc is a division of the Barclays Group.