Legal information

1. Introduction

This site is provided by Standard Life Assurance Limited

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 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Certain provisions in this Notice may be superseded by expressly designated notices or terms located on particular pages of the site.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 and the pages of this site, any reference to "Standard Life", "we", "our" or "us" means Standard Life group (being Standard Life plc and its subsidiaries), unless otherwise indicated. On the pages of this site, we often refer to Standard Life group companies without including the word "Limited".

2. Company and regulation details

Companies that provide our UK and offshore products:

Standard Life Assurance Limited (SC286833) is registered in Scotland at Standard Life House, 30 Lothian Road, Edinburgh EH1 2DH; is authorised by the Prudential Regulation Authority, and regulated by the Financial Conduct Authority (“FCA”) and the Prudential Regulation Authority (“PRA”).

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,

are all registered in Scotland at Standard Life House, 30 Lothian Road, Edinburgh EH1 2DH; and are all authorised and regulated by the Financial Conduct Authority (* except for Standard Life Trustee Company Limited).

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; and are both authorised and regulated by the Financial Conduct Authority.

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

Standard Life International dac is authorised and regulated by the Central Bank of Ireland and subject to limited regulation in the UK by the Financial Conduct Authority. Details about the extent of regulation by the Financial Conduct Authority are available from us on request. Standard Life International dac is a designated activity company limited by shares. It is registered in Dublin, Ireland (408507) at 90 St Stephen's Green, Dublin 2.

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 Financial Services Register can be found at https://register.fca.org.uk/

Parent and service companies:

Standard Life plc (SC286832),

Standard Life Employee Services Limited (SC271355), are both registered in Scotland at Standard Life House, 30 Lothian Road, Edinburgh EH1 2DH.,

Standard Life group VAT number GB270347469.

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, 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.

6. Copyright and trade mark

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.

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)

The Financial Services Compensation Scheme (FSCS) 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.

Your plan is covered by a long term contract of insurance. The trustees will be eligible for compensation under the FSCS if Standard Life Assurance Limited (SLAL) becomes unable to meet its claims and the cover is normally 90% of the value of their claim.

If your plan is invested in one of our funds that invests in a mutual fund run by another firm (including Standard Life Investments Limited), the trustees are not eligible for any compensation under the FSCS if that firm is unable to meet its claims. SLAL is not eligible to make a claim on the trustees’ behalf so the price of a unit in our fund will depend on the amount that we recover from the firm.

If your plan is invested in one of our funds that invests in a fund run by another insurer, the trustees are not eligible for any compensation under the FSCS if that insurer is unable to meet its claims. SLAL is not eligible to make a claim on the trustees’ behalf.

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.

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.