Terms of use

Please read these terms and conditions carefully. By accessing any page of this web site, you agree to be bound by the terms and conditions below. If you do not agree to the terms and conditions below, please do not access any pages of this web site.

References to Skandia means Skandia Investment Management Limited.

1. Content of site
Whilst considerable care has been taken to ensure the information contained within this web site is accurate and up-to-date, no warranty is given as to the accuracy or completeness of any information and no liability is accepted for any errors or omissions in such information. All products referred to on this web site are subject to change without notice.

Skandia companies accept no responsibility for any information contained in any web site accessed via a hypertext link from this web site. The content, accuracy and opinions expressed in such web sites are not checked, analysed, monitored or endorsed by us.

2. Product availability
The information contained on this web site does not constitute a distribution, an offer to sell or the solicitation of an offer to buy. Some products detailed on this web site are only available to persons in certain named countries.

If you are accessing this web site outside the UK, UK or your local legislation may not permit us to offer products for you in your own country. Please check with your professional financial adviser as to whether such products are available in the country in which you are resident.

3. Advice
Skandia companies do not offer investment advice on the merits or suitability of their products/services and no information contained within this web site should be construed as such.

You are advised that, in the UK, our products are only available on the recommendation of an Independent Financial Adviser, and you must consult such an adviser in order to apply for any product.

4. Taxation
Except where stated otherwise, the contents of this web site are based on Skandia companies' interpretation of United Kingdom taxation law and practice as at the date appearing at the foot of each product fact sheet.

While we believe this interpretation is correct, we cannot guarantee it. Tax relief and the tax treatment of funds may change in the future. The value of any tax relief will depend on the investor's financial circumstances and the country of residence. If you are in any doubt, you are advised to consult your professional financial adviser.

5. Liability
Skandia companies accept no legal liability for loss, damages or expenses which you may suffer or incur directly or indirectly by you accessing this web site.

6. Copyright
All material on this web site is Copyright © 2004 Skandia. Information accessed on this web site is protected under Copyright Law. You may not copy, re-publish or re-distribute the information contained on the web site for commercial purposes or gain, other than whilst operating as a professional financial adviser acting within his or her normal business activities, except with the express agreement of Skandia.

In the event of a professional financial adviser wishing to publish or distribute written marketing or other promotional material based upon the content of this web site, he/she may only do so having first obtained the prior written consent of Skandia.

7. Trademarks
This web site contains names and logos which are trademarks of Skandia other companies. Any use of any of these names and logos would constitute an infringement of those trademarks and is thus forbidden.

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Issued by Skandia Investment Management Limited, a member of the Skandia group of companies. Authorised and regulated by the Financial Services Authority. FSA Register number 208543. www.fsa.gov.uk/pages/register/. Registered number: 4227837 England. Registered Office: Skandia House, Portland Terrace, Southampton, SO14 7EJ, United Kingdom.