Introduction

Using any of the pages on this site indicates that you accept the terms of this Legal information notice ("Notice"). If you do not accept these terms, please leave the pages of this site immediately. This Notice is issued by Phoenix Life 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Certain provisions in this Notice may be superseded by expressly designated notices or terms located on particular pages of the site.

This website describes pensions and savings products and services provided by Phoenix Life Limited, trading as Standard Life. Phoenix Life Limited is part of Phoenix Group.

In this Notice and the pages of this site, any reference to "Standard Life", "we", "our" or "us" means any member of Phoenix Group (being Phoenix Group Holdings plc and its subsidiaries) unless otherwise indicated.

Phoenix Life Limited 

Phoenix Life Limited is incorporated in England and Wales (1016269) with its registered office at 1 Wythall Green Way, Wythall, Birmingham, B47 6WG.

Phoenix Group Holdings

Phoenix Group Holdings plc is incorporated in England (11606773) with its registered office at 20 Old Bailey, 20 Bishop's Ct, Farringdon, EC4M 7LN.

Phoenix Group VAT number GB369446510.

You can find out more information about the companies providing the products and services.

 

 

Intended audience

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

 

 

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. While we will endeavour to ensure the pages of this site can be accessed during the UK hours of business, this site may be temporarily unavailable or restricted for administrative or other reasons. If this happens, we will try to restore their availability as quickly as possible. 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.

 

 

Advice

Nothing on the pages of this site constitutes financial, legal or other professional advice in any way and you should consult your financial adviser or other professional adviser if you require any financial, legal or other professional advice.

 

 

Copyright and trade mark

© 2025 Phoenix Group Management Services Limited. 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 Phoenix Group Management Services Limited, or such other member of Phoenix Group as Phoenix Group Management Services Limited may direct, unless otherwise indicated.

Certain images and content used in the pages of this site are reproduced under licence.

"Standard Life" and the "Standard Life" logo are registered trademarks of Phoenix Group Management Services Limited and are used by Phoenix Life Limited, Standard Life Trustee Company Limited and Standard Life International dac under licence. Phoenix Group Management Services Limited and other members of Phoenix Group, may also claim trade 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 Phoenix Group Management Services Limited, or such other member of Phoenix Group as Phoenix Group Management Services may direct, is strictly prohibited unless for private, non-commercial viewing purposes.

Phoenix Group Management Service Limited, incorporated in England and Wales (03588063) with its registered office at 1 Wythall Green Way, Wythall, Birmingham, West Midlands, B47 6WG.

Google and Google Play is a registered trademark of Google LLC.

Apple, Apple podcasts and the Apple logo are trademarks of Apple Inc. App Store is a service mark of Apple Inc.

 

 

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 virus scan and retain all electronic communications (including emails). However, we recommend that you employ reasonable virus detection and protection measures when accessing any emails or electronic messages from us.

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.

 

 

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.

 

 

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.

 

 

Financial Services Compensation Scheme (FSCS)

The Financial Services Compensation Scheme (FSCS), established under the Financial Services and Markets Act 2000, has been set up to provide protection to consumers if authorised financial services firms are unable, or likely to be unable, to meet claims against them. Accordingly you may be entitled to compensation from the FSCS if such a firm cannot meet its obligations, depending on the type of business and the circumstances of the claim. For further information on the compensation available under the FSCS please check their website www.fscs.org.uk or call the FSCS on 0800 678 1100. Please note only compensation queries should be directed to the FSCS.

If you have any further questions, you can speak to your financial adviser or contact us directly. You can also find more information at www.standardlife.co.uk/investor-protection.

 

 

Governing Law

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

 

 

Conflicts of interest policy summary

Last reviewed: May 2025

Next review: May 2026

The Conflicts of Interest policy (the "Policy") sets out the minimum operating standards relating to the management of Conflicts of Interest risk throughout Phoenix Group (the "Group").

The Policy, which has been approved by the Board Risk Committee of Phoenix Group Holdings, applies to all companies, business units and employees (whether permanent, fixed term, contractual or temporary either directly or via an appointed agent) in the Group.

The Policy highlights that a conflict of interest is any situation where the interests of the company, or its people, are in competition with the interests of the undernoted, leading to the risk that a customer or customers may be adversely affected:

  • customers
  • vendors / distributors
  • strategic partners (including Outsourced Service Providers)
  • shareholders
  • individual business units/functions across Phoenix Group
  • or where a customer’s interests are in competition with another customer, or group of customers interests

Such conflicts may arise:

  • for directors of companies in the Group, as a result of their appointment as a director of another company or as a result of a matter which may or does affect their own interests;
  • as a result of a personal conflict of interest for an employee which may potentially affect their ability to act in good faith through their, decision making, behaviour, or performance in their role;
  • between the interests of a firm or certain persons connected with that firm or the firm’s group and the duty owed by the firm to act to deliver good customer outcomes;
  • between the differing interests of two or more of the firm’s customers, or groups of customers where the firm owes a duty to each customer to support them in pursuing their financial objectives;
  • from the receipt of inducements from third parties or by the firm’s own remuneration and other incentive structures; and
  • between prioritisation of shareholder expectations of efficiency, growth, or rising dividends at the expense of propositional developments relative to delivering good customer outcomes (and vice versa);
  • favourable pricing of related party investment transactions, or transactions between asset pools managed by the same investment manager that are not in the best interest of the parties in whose interests an Asset Manager is expected to act.

In the case of activities related to Stewardship:

  • engaging with or voting at a listed company’s Annual General Meeting (AGM) or Extraordinary General Meeting (EGM) where the company is a shareholder in Phoenix group, a client or supplier; and
  • Asset Management employees or members of Phoenix Boards having personal investments or board seats in companies engaged or receiving a vote.

All reasonable steps are taken to avoid a conflict of interest arising. Where this is not possible, steps are taken to manage a conflict of interest so as to avoid any material risk, disadvantage or loss to customers.

A written record is kept of actual or potential conflicts of interest that involve a risk of harm to the interests of one or more customers.

We will inform a customer in the event that we believe that we may not be able to effectively manage an actual or potential conflict of interest that may affect them. As part of this, we will provide sufficient details of the steps taken or being taken to reduce the risks of harm to their interests to enable customers to decide whether to continue to do business with us despite the existence of the conflict of interest.

Find out more on our Approach to conflicts of interest related to our stewardship Activities.

 

 

 

Company and regulation details for the products and services we provide

Any reference to "Standard Life", "we", "our" or "us" on this website means any member of Phoenix Group (being Phoenix Group Holdings plc and its subsidiaries) unless otherwise indicated.

 

 

© 2025 Phoenix Group Management Services Limited. All rights reserved.