Important Legal Notice (‘Notice’)
Please Note: This Notice applies to the entire contents of the website under the domain name adviserzone.com (‘Site’) and to any correspondence by e-mail between you and us. Please read this Notice carefully before using the Site. This Notice is issued by Standard Life Assurance Limited.
1. Introduction
Using the Site indicates that you accept this Notice in full and, if you do not accept this Notice in full, please leave the Site immediately and do not use the Site.
You may access most areas of the Site without registering your details with us. Certain areas of the Site are only open to you if you register.
We may update 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 Notice, as it is binding on you.
Certain provisions in this Notice may be superseded by expressly designated notices or terms located on particular pages of the Site.
2. Company details and regulation
Standard Life Assurance Limited* (SC286833), Standard Life Lifetime Mortgages Limited* (SC193441), Standard Life Employee Services Limited (SC271355) and Standard Life Savings Limited* (SC180203), the ISA Plan Manager, are all registered in Scotland at Standard Life House, 30 Lothian Road, Edinburgh EH1 2DH.
Standard Life Investments Limited* (SC123321), Standard Life Investments (Mutual Funds) Limited* (SC123322) and Standard Life Wealth Limited* (SC317950), the Discretionary Investment Manager, are all registered in Scotland at 1 George Street Edinburgh EH2 2LL.
Standard Life Healthcare Limited* (02123483) is registered in England at Marshall Point, 4 Richmond Gardens, Bournemouth, BH1 1JD.
Standard Life International Limited is a company registered in Ireland (number 408507) with its Registered Office at 90 St Stephen's Green, Dublin 2. Authorised and regulated by the Irish Financial Regulator for the conduct of Linked Long Term Insurance Business and subject to limited regulation by the Financial Services Authority. Details about the extent of our regulation by the Financial Services Authority are available from us on request.
Retail investment products and funds are issued by Standard Life Investments (Mutual Funds) Limited*. ISA information is issued by Standard Life Assurance Limited* on behalf of Standard Life Savings Limited*, the ISA Plan Manager.
* Authorised and regulated by the Financial Services Authority.
Telephone Standard Life Assurance Limited on (0845) 60 60 036, Standard Life Savings Limited on (0845) 279 2002, Standard Life Wealth Limited on (0845) 279 8880, and Standard Life International Limited on (00353) 16397766. Telephone calls may be recorded/monitored and call charges may vary.
FSA Register Reference Numbers: Standard Life Assurance Limited - 439567, Standard Life Lifetime Mortgages Limited (310206), Standard Life Savings Limited - 188796, Standard Life Investments Limited - 188406, Standard Life Investments (Mutual Funds) Limited - 146477,Standard Life Healthcare Limited - 202716, Standard Life Wealth Limited - 466684, Standard Life International Limited - 446898. The FSA Register can be found at http://www.fsa.gov.uk/pages/register/.
Standard Life group VAT number GB270347469
3. Company details and regulation – Standard Life Bank plc
Certain cash savings and mortgage products referred to (and clearly indicated) on the Site are provided by Standard Life Bank plc, a division of the Barclays Group.
Standard Life Cash ISAs are provided by Standard Life Bank plc, a division of the Barclays Group. These ISA products are managed by Standard Life Savings Limited, a member of Standard Life group.
Standard Life Bank plc, registered in Scotland (SC173685), Standard Life House, 30 Lothian Road, Edinburgh EH1 2DH, authorised and regulated by the Financial Services Authority (except in relation to "Buy to Let" mortgages). FSA register Reference Number 187878.
Barclays VAT number 243 8522 62
Any reference in this Notice and on the Site to "Standard Life Bank" means Standard Life Bank plc.
4. Terminology
Any reference in this Notice and on the Site, to "Standard Life Assurance" means Standard Life Assurance Limited, to “Standard Life Lifetime Mortgages” means Standard Life Lifetime Mortgages Limited, to "Standard Life Savings" means Standard Life Savings Limited, to "Standard Life Employee Services" means Standard Life Employee Services Limited, to "Standard Life Investments" means Standard Life Investments Limited, to "Standard Life Investments (Mutual Funds)" means Standard Life Investments (Mutual Funds) Limited, to "Standard Life Healthcare" means Standard Life Healthcare Limited, to "Standard Life Wealth" means Standard Life Wealth Limited, to "Standard Life International" means Standard Life International Limited and to "Standard Life group" means Standard Life plc and its subsidiary companies, unless otherwise indicated.
Any reference in this Notice and on the Site to 'we', 'our' or 'us' means Standard Life Assurance, unless otherwise indicated.
5. Residence
This Site is only intended for the information/use of intermediaries in the United Kingdom ("UK"), Channel Islands or Isle of Man in relation to UK products and offshore products.
6. Data protection - use of personal data
Standard Life group will not collect personal information unless you send it to us, in which case we will only use it to deal with your request. If you use one of our on-line applications to send personal information to Standard Life group you will be given an explanation as to how it will be used before you submit the information.
7. Accuracy of the Site
Whilst we have taken all reasonable care to ensure that the information contained on the Site is accurate, current and complies with the relevant UK legislation and regulations as at the date of issue, errors or omissions may occur due to circumstances outside our control. We accept no liability for the completeness or accuracy of information which has been prepared by other parties, and we simply make this available to you for your convenience.
If you are in any doubt as to the validity of information made available on the Site, we recommend that you seek verification by contacting us.
8. Availability of the Site
Whilst we take all reasonable steps to ensure the accessibility of the Site, we cannot guarantee that the Site will be accessible at all times during the UK hours of business stated on the Site. The Site may be temporarily unavailable or restricted for administrative or other reasons. We will not be liable for any loss or damage arising if, for any reason, the Site is unavailable at any time or for any period.
We may change the content, presentation, performance, facilities and availability of all or part of the Site at any time without prior notice.
9. Third party websites
The Site may contain links to websites operated by third parties. We accept no liability for information contained in such third party websites or for these websites not being available at all times. Links to third party websites are provided for general information purposes only and the websites 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 website link, you will leave the Site and access the external website at your own risk.
10. Advice
Nothing on the Site constitutes financial or other professional advice and you should consult your financial adviser or other professional adviser if you require any financial or other professional advice.
11. Copyright and trade mark
Copyright in the whole and every part of the Site 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.
Standard Life Employee Services, or such other member of Standard Life group as Standard Life Employee Services may direct, may also claim trade mark and service mark rights in marks contained on the Site.
Reproduction of any part of the Site 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 commercial viewing and commercial downloading purposes.
12. Communications
There is no guarantee that an e-mail or electronic messages sent will be received, or that the contents of such e-mail or electronic messages will remain private and unaltered during internet transmission and we will not be liable for any loss or damage suffered as a result of this. If you have any concerns, you may prefer to telephone or write to us instead.
We may monitor the use and content of e-mails and electronic messages 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 any unlawful or improper use of, or attacks on, our systems.
We virus scan all e-mails and electronic messages but will not be liable for any loss or damage caused by a virus or alteration by a third party after an e-mail or electronic message has been sent by us. We recommend that you employ reasonable virus detection and protection measures when accessing any e-mails or any electronic messages from us.
13. Computer Misuse
We recommend that you employ reasonable virus detection and protection measures when accessing the 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 any other malicious or technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the Site.
14. 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 will not be liable 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.
15. Choice of Law
The terms of this Notice and your use of the Site shall be governed by English law and the English courts shall have non-exclusive jurisdiction in the event of a dispute, unless otherwise indicated.
© 1998 - 2010 Standard Life