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Legal and Regulatory Information
1. Company and regulation details
Standard Life Investments Limited (SC123321), is registered in Scotland at 1 George Street, Edinburgh, EH2 2LL. It is also registered in Ireland (904256) and has a principal place of business at 90 St. Stephen's Green, Dublin 2, Ireland.
The Standard Life Investments group includes Standard Life Investments (Mutual Funds) Limited (SC123322), SLTM Limited (SC075550), Standard Life Investments (Corporate Funds) Limited (SC111488), SL Capital Partners LLP (SO301408) and Aida Capital Limited (04242233). All companies are registered in Scotland at 1 George Street, Edinburgh EH2 2LL except for Aida Capital Limited which is registered at 33 King Street, London, SW1Y 6RJ.
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 Savings Limited, the ISA Manager, a company registered in Scotland (SC180203) Registered Office Standard Life House, 30 Lothian Road, Edinburgh, EH1 2DH.
The above companies are authorised and regulated in the UK by the Financial Conduct Authority.
Financial Conduct Authority Register Reference Numbers: Standard Life Investments Limited - 188406, Standard Life Investments (Mutual Funds) Limited - 146477, SLTM Limited - 119366, Standard Life Investments (Corporate Funds) Limited - 143445, SL Capital Partners LLP – 469934, Aida Capital Limited – 222945, Standard Life Savings Limited - 188796. The Financial Conduct Authority Register can be found at http://www.fsa.gov.uk/register/home.do.
The VAT number for Standard Life plc and its subsidiary companies is GB270347469.
Standard Life Investments (USA) Limited is registered in Scotland (SC215736) at 1 George Street, Edinburgh, EH2 2LL. It is a wholly-owned subsidiary of Standard Life Investments Limited. It is registered as an Investment Adviser with the US Securities and Exchange Commission and has a principal place of business at One Beacon Street, 34th Floor, Boston, MA 02108-3106, USA.
Standard Life Investments (Hong Kong) Limited is a company incorporated in Hong Kong (666004) with its registered office at 30th Floor, Jardine House, One Connaught Place, Central, Hong Kong. It is a wholly owned subsidiary of Standard Life Investments Limited. It is licensed with and regulated in Hong Kong by the Securites and Futures Commission and has a principal place of business at 40th Floor, Tower 1, Times Square, 1 Matheson Street, Causeway Bay, Hong Kong.
Standard Life Investments Inc. is a limited company incorporated in Canada with its registered office at 1001 de Maisonneuve Boulevard West, Suite 1000, Montreal, Quebec, Canada, H3A 3C8. It is a wholly-owned subsidiary of Standard Life Investments Limited.
Any reference within the pages of this site to “Standard Life group” means the subsidiary companies of Standard Life plc.Back to top
This website is intended for the information of residents in countries in which Standard Life Investments group products may be sold unless otherwise stated. The information on our site does not constitute an offer or solicitation to sell units or shares in any of the funds referred to on this site, by anyone in any jurisdiction in which such offer, solicitation or distribution would be unlawful or in which the person making such offer or solicitation is not qualified to do so or to anyone to whom it is unlawful to make such offer or solicitation.Back to top
3. General disclaimers and terms
While Standard Life Investments Limited has taken all reasonable care to ensure that the information contained within the pages of this site is accurate, current and complies with relevant United Kingdom 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.
If you are in any doubt as to the accuracy and currency of any information contained within the pages of this site, or if you require any further information, you may wish to contact us directly or take independent financial advice.
Standard Life Investments Limited accepts 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 the Standard Life Investments site and access the external site at your own risk.
Please remember that past performance is not a guide to future performance. The value of units and shares and the income from them can go down as well as up and investors may not get back the amount originally invested. Exchange rate changes may cause the value of overseas investments to rise or fall. For further details on any of the funds or products mentioned, please read the relevant offering document or prospectus.
You may invest in a stocks and shares ISA if you are 18 or over, resident and ordinarily resident in the UK or qualifying for ISA tax benefits as a Crown employee serving overseas (or the spouse or civil partner of such a person). The tax reliefs on ISAs may be altered in future and their value to you depends on your own financial circumstances. The tax treatment of UK pension funds may be subject to change in future.
By accessing these pages you shall be deemed to have accepted and agreed to be bound by the terms of this Legal and Regulatory Information page which shall be governed by the law of Scotland.Back to top
Nothing on the pages of this site shall be deemed to constitute financial, investment 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.
If you are not sure about which fund to invest in or even the suitability of an ISA for you, or you would like further information about any of the funds, you may wish to consult your usual financial adviser who will be happy to advise what is best for you. Some advisers may charge to provide advice.Back to top
5. Copyright and trade mark
© 2013 Standard Life Investments 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 Standard Life Investments Limited unless otherwise indicated. Standard Life Investments, the Standard Life Investments logo, and fundaccess are registered trade marks of Standard Life Investments Limited. Standard Life Assurance Limited, or such other member of Standard Life group as Standard Life Employee Services Limited may direct, may also claim trade mark and service mark rights in other 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 Investments Limited is strictly prohibited unless for private, non-commercial viewing purposes.Back to top
Please note that there is no guarantee that any e-mail sent will be received by us, 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 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 a denial of service attack.Back to top
Any software is downloaded at your own risk. Standard Life Investments Limited does not warrant the suitability of any such software which is downloaded and accepts 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.Back to top
8. Data protection
Standard Life Investments Limited 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 customers’ 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 (“Act”). We fully endorse and adhere to the eight principles of Data Protection as set out in the Act. These principles state that personal data must be:-
- fairly and lawfully processed
- processed for specified and lawful 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 will not disclose information to any third party unless we believe it is lawful to do so.
You 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 you, we will inform you why we are collecting your 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.
If you choose to complete one of our on-line forms the personal information you provide will be used by Standard Life Investments Limited and other members of Standard Life group to enable us to answer your queries and to provide you with information about the products that are of interest to you. It may also be used to monitor the progress of your enquiry within Standard Life Investments Limited and to register any subsequent sale of any of our products about which you have enquired. We may also use such information to update our website for you and to keep you informed of further product information and site developments if you have indicated any such preference.
If you complete a retail product application form, Standard Life Investments (Mutual Funds) Limited will use the personal information you have given by completing this form to set up and administer your investment including purchasing shares in your selected fund(s) and providing valuations and making payments.
If you have appointed a financial adviser to act on your behalf, we will make details of the investment available to him and also send copies of correspondence to him where appropriate to enable him to give you advice.
We have a responsible marketing policy and do not give your details, or details of related individuals, to any other company outside Standard Life group. You may be contacted by other companies within Standard Life group with details of other products or services. If you do not wish to be marketed in this way you can write to the Data Protection Co-ordinator at Standard Life House, 30 Lothian Road, Edinburgh, EH1 2DH or at the contact address of the Standard Life group company concerned (quoting your full name, date of birth and policy or account number if known).
Under the Act you may write to the Data Protection Co-ordinator as above and request a copy of the information which we hold about you. We reserve the right to charge the maximum fee payable in terms of the Act for providing this information. If the details are inaccurate you can ask us to amend them.Back to top
What are cookies and why are they used
A cookie is a piece of information that is saved to the hard drive of your computer or mobile device. It remembers information about the configuration of your computer or mobile device and will remember that you've visited before. This improves your website browsing experience by storing information so that you don't have to give it several times.
A cookie typically doesn’t contain personal information, but other browsing details such as the domain from which the cookie has come from, a random unique identifier code and also the lifetime (expiry) of the cookie.
Cookies may be either "persistent" or "session" cookies. A persistent cookie will remain valid and functional until its set expiry date (unless deleted by the user before the expiry date); in contrast a session cookie will expire when the web browser is closed by the user.
Cookies that we use
This is a list of the main cookies we use and the purpose of each on our Group websites.
a) Cookies for measuring use of our services
These are standard anonymous website cookies that are used to help us measure how our websites are used in order to improve them.
|Randomly generated number and information about how the page was reached (e.g. directly or via a link, organic search or paid search)||Tracking to improve sites.||Mixture of permanent and session cookies|
|Webtrends||WT_FPC||Randomly generated number||Tracking to improve sites.||Permanent|
b) Cookies on our online servicing area
These cookies are used to help us provide a more personalised and enhanced service when using our websites.
|Disclaimer check||session_cookieundefined||true/false||Ensure that the site disclaimer is only displayed once per session.||Session|
|Language preference||ln||en/fr-CA||Tracks users preferred language across SLI sites.||Set to expire two weeks from the last time set|
|Ensures that user do not have to choose a segment each time they return to a segmented site||Permanent|
|Press office check||session_cookie_press||true/false||Ensure that Press Office section disclaimer is only displayed once per session||Session|
|Careers||ASPSESSIONID||randomly generated number||Set by third party supplier of careers content and functionality.||Session|
|Additional tool tracking||fundNavigatorTracking||true/false||Tracking to improve the Fund Navigation tool||Set to expire two weeks from the last time set|
|Secure access controls||JSESSIONID||Encrypted session key||Essential for access to secured content on SLI sites||Session|
|Secure access controls||JSESSIONIDSSO||Encrypted session key||Essential for access to secured content on SLI sites||Session|
|Table sorting||jqCookieJar_tablesorter||Heading title + asc/desc||Essential for the table sorting functionality available on the sites.||Session|
c) Third party advertising
|Eyeblaster||Varies||Randomly generated number||Tracking follow through of advertising campaigns||Mixture of permanent and session cookies|
What information is collected
We use persistent cookies if you have registered for any of our online services or purchased a product or service online. 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 in order that you do not need to re-enter information.
How we use this information
We use the information gathered by cookies to measure information about our website usage. We can learn which pages on our site are being viewed and how many visitors are using the different sections of this website. This information helps us assess how useful the site is to our visitors and improve the usability of the website on an ongoing basis.
There are a wide range of website analytics tools available. Our provider is WebTrends - a third party that provides monitoring and analysis services. WebTrends reporting helps us understand how many visitors we have, which pages are visited and helps us improve and develop our site. WebTrends uses a cookie to track the number of unique users of the site, but does not enable us to identify any individuals.
For more information about what data is collected using WebTrends, please visit www.webtrends.com/privacy-policy.
We use persistent cookies for some of our secure online customer services. These cookies allow us to make the logging-in process easier and more secure for you.
Session cookies can also be used to pre-populate your details should you need to complete one of our online forms.
How to disable the cookies
You can disable the cookies that we attach if your browser supports this. To check and update your cookies settings, you will need to know what browser you are using (Internet Explorer, Google Chrome, Firefox, Safari or any other) and what version of it you have. You can usually find this out by opening the browser, then clicking on 'Help' and then 'About'. This will give you information about the browser version you are using.
To find out how to manage cookies please refer to www.aboutcookies.org or your browser's help options for more information.
You can also change your cookie preferences at any time using our tool.
Please remember that if you amend your cookie settings your browsing experience may be negatively affected. For example, if you have set preferences on a website (such as your location for local news or weather forecasts), it will no longer remember these.
How to change your cookie preferences?
Do you accept cookies from Standard Life Investments?
Your privacy and online security is our highest priority: we do not collect any personal details that can identify you.
Privacy and Electronic Communications Regulations
Standard Life has supported the changes to the privacy rules which are designed to protect the privacy of internet users.
Changes to this policy
We welcome your comments regarding this policy. To get in touch with us, please contact our website support team.Back to top
The prices which are shown are for information purposes only. They are not the prices at which the shares or investment products can be bought or sold.
Investment products involving accumulation units or shares have income distributions automatically re-invested. Other investments have income distributions paid to the investor and this will be reflected in the price.Back to top