Please read this information carefully. Access to this website is confirmation that you have understood and agree to be bound by all of these terms and conditions. The information provided on this website is for the use of residents of the United Kingdom.

TERMS & CONDITIONS

1. We do our best to ensure that the website operates properly at all times, but we make no warranties as to the availability or accessibility of the website, and (save as otherwise set out in these terms and conditions) we will not be liable for any damages, loss, costs or expenses incurred by you as a result of any lack of availability or accessibility of the website.

2. Nothing within these conditions operates so as to exclude, limit or restrict our liability for death or personal injury.

3. Where you deal as a consumer, nothing in the above exclusions affects your statutory rights.

4. All Intellectual Property Rights and goodwill in or relating to the contents of the website belong to either ourselves, to a member of the St. James’s Place group or to our suppliers.

©2015 St. James’s Place plc. All rights reserved. “St. James’s Place” and the St. James’s Place

Logo are trademarks of St. James’s Place plc.

Nothing contained in these conditions or the website should be construed as granting by implication, estoppel, personal bar, or otherwise, any licence or right to use any of the trade marks without our permission. However, copying and printing of those web pages which contain the trademarks is permitted within the scope of the licence below.

You may download to a local hard disk and print extracts from the website solely for personal, non-commercial use. You may also recopy downloaded extracts to others for their personal, non

commercial use.

You may not reproduce part or all of the contents of the website in any form unless it is for personal, non commercial use.

You may not copy or otherwise incorporate into or store in any other website, electronic retrieval system, publication or other work any of the content of the website in any form (whether hard copy, electronic or other).

You may not frame or link to the website or any part of it without our express permission.

SITE DISCLAIMER

The information published on this website is provided as a convenience to visitors and should be used for information purposes only and is subject to change without notice. None of the information contained in this website constitutes financial or other professional advice in any way.

If you require additional information, you should contact one of our personnel.

While we use reasonable efforts to ensure that the information contained on this website is current and accurate at the date of publication, no warranties are made, either expressed or

implied, as to reliability, accuracy or completeness of the information. We accept no liability for any loss arising directly or indirectly from the use of or action taken in reliance on such

information. These documents should not be copied, reproduced or redistributed, in whole or in part.

No warranty is given as to the freedom of this website from errors, defects, viruses, malicious programs or macros. Links from this website exist for information only and we accept no responsibility or liability for the information contained on any such site. The existence of a link to another website does not imply or express endorsement of its provider, product or services by us or St. James’s Place. Links to this website are not permitted without our prior written consent.

Please note that clicking on links to external websites will cause you to leave this website.

PRIVACY

St. James’s Place is committed to protecting the privacy of its users and we therefore ask that you please read our Privacy Policy before providing us with any information about you or any other person (“Personal Information”).

Our Use of Your Personal Information 

We are happy to provide you with details of the Personal Information, which we process about you. To protect our customers’ personal information, we follow strict storage and disclosure procedures, which mean that we will require proof of identity from you prior to disclosing such information. We may charge a small administration fee in relation to any requests for access to personal information.

St. James’s Place plc (Company No. 03183415) has its registered office at St. James’s Place plc Head Office: St. James’s Place House, 1 Tetbury Road, Cirencester, Gloucestershire, GL7 1FP,  United Kingdom. For the purpose of the Data Protection Act 1998 the data controller is: The Data Protection Officer, St. James’s Place Plc, 1 Tetbury Road, Cirencester, Gloucestershire, GL7 1FP, United Kingdom.

Cookies (to be used where cookies are in place)

This website uses cookies – small text files that are stored on your computer or in your browser – to help us to monitor how visitors use our site and allow us to maintain the optimum experience for website users. The website does not store or capture personal information about you when you visit it, it merely records traffic information. This means information about all of our visitors collectively, for example the number of visits the website receives. In order to respect our visitors’ rights of privacy, this information is anonymous and no individual visitor can be identified from it.

You can disable and delete cookies by changing the appropriate setting within your browser’s ‘Help’, ‘Tools’ or ‘Settings’ menu. Please note that by disabling cookies you may not benefit from some of the features of our site. You can find out more about deleting or controlling cookies by visiting aboutcookies.org.

Google Analytics (to be used where applicable)

This website uses Google Analytics, a web analytics service provided by Google, Inc. (“Google”).

Google Analytics uses cookies (text files placed on your computer) to help the website operators analyse how users use the site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. Google will not associate your IP address with any other data held by Google.

By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.

We will only collect personal information about you if you send us an enquiry via the ‘Contact us’ facility or if you register for our E-Briefing Service. In order for this to happen, you will need to complete the ‘Contact us’ form or submit your details when registering for the E-Briefing Service. The type of information being collected for an enquiry will be apparent from the layout of the form.

We take all reasonable precautions to protect our visitors’ information, both on and off line. If your personal information changes, please let us know and we will correct, update or remove any information that we hold about you on our active databases. We may however need to retain archive copies of that personal information for legal or audit purposes. If you have any queries regarding the way in which St. James’s Place handles data collected from you on this website, please contact us.

When might we disclose your personal information to others?

Please be assured that except for the reasons listed below, we will not disclose your personal information to others. We may disclose your personal information to others in the following circumstances and/or for the following purposes:

Please note that if you communicate with us electronically, including by e-mail, telephone or fax, this communication may be randomly monitored and/or recorded to protect the interests of our usiness and our customers. This includes for the purposes of maintaining customer/servicequality standards, detection of and/or prevention of crime and to ensure that St. James’s Place employees comply with legal obligations and St. James’s Place policies and procedures (including our customer relations practices).

Hyperlinks

We may provide hyperlinks from this website (‘the Site’) to websites of other organisations including websites of associated companies. Please note that this Privacy Policy applies only to this Site and that St. James’s Place will not liable for the contents of linked websites or any transactions carried out with organisations operating those websites.

Information Updates

Please help us to keep your Personal Information current and accurate by contacting us if your Personal Information is or becomes inaccurate and/or out-of-date.

Contacting Us

If you do not want us to use your Personal Information in the manner set out in this Privacy Policy, need to advise us of any changes to your personal information, or would like any more information about the way in which we collect and use your Personal Information, please contact us at St. James’s Place Wealth Management Group plc, St. James’s Place House, 1 Tetbury Road, Cirencester, Gloucestershire, GL7 1FP or by telephone on 0800 0138 137.

Security

As you may be aware, no data transmission over the internet can be entirely secure. As a result, while we will always use reasonable endeavours to protect your Personal Information, we cannot guarantee the security of your Personal Information and the use of our Site (including the e-mail facilities) is at your own risk.

Changes to this Privacy Policy

This Privacy Policy will change from time to time, and you should check the Site on a regular basis to ensure that you are aware of our most recent policies (including this Privacy Policy and the Terms relating to your use of the Site).

User declaration

By providing St. James’s Place with any Personal Information you consent to the use of your Personal Information for the purposes and in the manner set out in this Privacy Policy.