General Terms and Conditions

Scottish International Fund Managers Limited is a member of the Royal London 360 group of companies. Registered Office: Royal London House, Cooil Road, Douglas, Isle of Man IM2 2SP, British Isles. Scottish International Fund Managers Limited is licensed by the Isle of Man Financial Supervision Commission to provide collective investment scheme services. Registered in the Isle of Man number 89411C.

The Royal London 360 group of companies are members of the Royal London Group. Royal London Group consists of The Royal London Mutual Insurance Society Limited and its subsidiaries. The Royal London Mutual Insurance Society Limited provides life and pension products, is a member of the Association of British Insurers and is authorised and regulated by the Financial Services Authority, (Registration number 117672). Group registered VAT number 368 5244 27.

Those sections and documents included in this website that are subject to United Kingdom financial regulation have been approved by Royal London Marketing Limited, a Royal London company which is authorised and regulated by the Financial Services Authority number 302391. Registered in England and Wales number 04414137. Registered Office: 55 Gracechurch Street, London, EC3V 0RL, United Kingdom.

This website ("Site") is published by the Royal London 360 group of companies. It is provided for information purposes only and does not constitute an invitation to acquire an investment on the basis of information given here or elsewhere.

Your use of the Site is subject to the following terms and conditions ("Terms"). You must read these Terms carefully before using the Site, as by accessing any page on the Site you confirm that you have read and understood the Terms and you agree to be bound by them.

The Royal London 360 group of companies may amend the Terms from time to time.

The entire content of this Site was last reviewed in November 2009.

About the site

The Site contains general information on the products and services of the Royal London 360 group of companies hereinafter referred to as "Company / we / us", unless otherwise stated. Nothing in these pages shall be deemed to constitute financial or other professional advice in any way. We take all reasonable steps to ensure that the information on this website is accurate and up to date. However, no liability can be accepted for any errors or omissions.

We do not and cannot give tax advice and cannot accept liability for any loss suffered by any person as a result of action taken. Tax legislation varies from country to country and as such, specialist tax and legal advice should be taken before any investment is made or tax strategy implemented.

These pages do not purport to give investment advice and it is important that potential investors do not rely upon their contents to make investment decisions. This Site should not be regarded as an offer or solicitation to sell investments in any jurisdiction.

We cannot accept any liability for any loss or damage arising as a consequence of any party relying on the content of this website.

Whilst we will try to keep the material on the Site up to date, we will not be liable to you or to any other party for the consequences of any delays, errors or omissions in doing so.

We reserve the right from time to time to alter any part of the Site including, without limitation, fund information or information made available on the Site. We do not guarantee that the Site or the information on the Site will be available continuously and without interruption or fault and we may suspend or withdraw the Site at any time and for any reason.

We will process any personal data in accordance with our Privacy Policy.

Use of the site

You may download the Site to a local hard disk for your personal use only. You may not reproduce all or part of the content of the Site without our prior written consent unless it is for personal use. No part of the content of the Site may be incorporated into or stored in any other website, electronic retrieval system or other work in any form.

You may not publish, copy, distribute, modify, transmit, or reproduce in any form (whether in hard copy, electronic or other) or otherwise use the information and materials on the Site for any purposes other than those set out in the Terms.

You must not: - Use the Site for any illegal purpose or in any manner inconsistent with the Terms, or applicable law; - Interfere with the proper operation of the Site or take any action which is likely to cause the service provided by the Site to be interrupted or degraded; or - Attempt to gain unauthorised access to our computer system or that of any other user.

Products and services provided by third party suppliers

From time to time we may offer you access to products and services provided by third party suppliers at special rates. Whilst every care is taken in selecting the products, services and the suppliers, we make no warranties, representations or undertakings in respect of them, and we will not be liable or responsible to you for any costs, losses, claims or damages of any kind, whether direct, indirect, consequential, special or otherwise, arising from your taking advantage of any such product or service, and your sole remedy shall be against the third party supplier(s) in question.

Privacy policy

This Privacy Policy sets out the data processing practices of The Royal London Group, including the Company in relation to this "Site". This Privacy Policy may change and you should review it regularly.

What we will do with your information

We will obtain personal data from you when you contact us. Any personal details you provide will only be used for administration purposes, to respond to any enquiry, request for information or complaint, to provide any requested or relevant information and/or to contact you in connection with your request, query or complaint. We will keep your data for a reasonable period. By providing us with your personal details, you consent to the details being used for these purposes including any sensitive personal data you provide.

We may collect information automatically about your visit to the Site. This information is used to monitor users' access and use of the Site, and allows us to gather broad demographic information, which will help us to regularly improve the Site. We may disclose aggregated information regarding demographics to third parties for reporting and analysis purposes. This information will be anonymous and will not contain information from which any individual can be identified.

We reserve the right to review the contents of any archives, data or code resident on our systems.

Protecting yourself online

Below are some of the things that you can do to protect the security of your personal information online. a. You should never disclose your login details to anyone. We may, however, ask you to confirm certain information from your personal details to identify you when you contact us. b. Don't send plan details/personal details via Internet email. There is a risk that your email could be intercepted en route. c. When logged into an online service, don't leave your computer unattended (for your safety you are automatically logged off after 20 minutes). d. Close your browser session once you have logged off. e. When accessing your account, be aware of other people around you, e.g. in public places such as Internet cafes, or at work.

Intellectual property

All intellectual property rights in materials in or on the Site including, without limitation, the Site layout, designs, text, images, graphics and any underlying databases remain the property of the Company, no rights will pass to you. You agree not to alter or remove any copyright notice, trade mark or any other proprietary rights notice or mark from any of the material or information contained within the Site.

Cookies

We collect information automatically about your visit to the Site using cookies. We do not intend to analyse this information to identify your particular Site visit details. Monitoring users' access and use of the Site allows us to gather and analyse broad aggregate information on Site performance for internal reporting purposes.

'Cookies' are text files, which are sent to your computer or other access device when you access a website. Information about you is stored in the cookies, which can be accessed whenever you visit that website. You can delete any cookies that are already on your computer and set your browser to refuse cookies.

Please refer to your browser instructions or ‘help screen’ to learn more about these functions but note that by deleting cookies or disabling future cookies, you will not be able to take full advantage of all the functionality of the Site.

More information on cookies can be found at http://www.aboutcookies.org.

Links to other websites

We may provide hypertext links to third party internet sites through the Site and we may display advertisements from third parties on the Site. These sites are not covered by our Privacy Policy and we are not responsible for the content or privacy policies of these sites and third party advertisers, nor for the way in which information about their users is treated. In particular, unless expressly stated, we are not agents for these sites or advertisers nor are we authorised to make representations on their behalf. We would advise you to look at the privacy statement applicable to each site.

We have no control over the third party internet sites that you can access by hypertext link through the Site. These sites are not covered by our Terms and we are not responsible for the content nor the way in which information about their users is treated. By providing a link, we are not endorsing or indicating our approval of the content of that website nor are we authorising you to access and use any information held on that website.

We make no warranties, representations or undertakings about and take no liability whatsoever (including, but not limited to, liability arising out of any allegation that the content of any other website is misleading, inaccurate, defamatory or otherwise infringes any law or the rights of any person or entity) for any other website referred to on, or accessed through, this Site.

Your liability

You will indemnify us and keep each member of the Royal London Group indemnified against any and all claims, damages, losses, liabilities and costs arising from and in connection with your use and/or abuse of the Site or your breach of these Terms.

Disclaimer/our liability

Whilst we will deliver our service with reasonable skill and care, the information contained within the Site has been compiled in good faith; all warranties, representations and undertakings, whether express or implied, statutory or otherwise, including but not limited to warranties of satisfactory quality, accuracy, fitness for a particular purpose and of non-infringement of the rights of a third party, are hereby excluded to the fullest extent permitted by law.

To the extent permitted by applicable law, we make no warranties, representations or undertakings that the Site or any material on the Site will be free from viruses or other defects. We recommend that you take your own precautions to ensure that whatever you select for use from this Site is free from computer viruses or other defects.

We will not be liable or responsible to you for costs, losses, claims or damages of any kind, whether direct, indirect, consequential, special or otherwise, arising out of your access to, or use of, the Site nor your downloading and use of, or reliance upon, information provided on or through the Site.

Links to company websites

Anyone linking to this or any other company website must obtain written permission from us before doing so.

Jurisdiction

This website is governed by Isle of Man law and any dispute or action arising out of the use of this site shall be determined in accordance with such laws.