Terms of use

Conditions of access to the Internet Site of the Skandia UK Group of companies

Please read these terms and conditions carefully. By accessing any page of this website, 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 website.

1. Content of site
Whilst considerable care has been taken to ensure the information contained within this website 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 website are subject to change without notice.

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

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

If you are accessing this website 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 UK Group companies do not offer investment advice on the merits or suitability of its products and no information contained within this website should be construed as such.

You are advised that, in the UK, our products are only available upon the recommendation of a professional 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 website are based on Skandia UK Group companies' interpretation of United Kingdom taxation law and practice as at the date appearing at the foot of each product factsheet.

While we believe this interpretation is correct, we can give no guarantee that tax reliefs and the tax treatment of funds will remain the same in the future. The value of any tax reliefs will depend on individual 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 UK Group companies accept no legal liability for loss, damages or expenses which you may suffer or incur directly or indirectly by you accessing this website.

6. Copyright
All material on this website is Copyright © 2006 Skandia UK Group. Information accessed on this website is protected under Copyright Law. You may not copy, re-publish or re-distribute the information contained on the website 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 the Skandia UK Group.

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 website, he/she may only do so having first obtained the prior written consent of the Skandia UK Group.

7. Trademarks
This website contains names and logos which are trade marks of Skandia UK Group companies. Any use of any of these names and logos would constitute an infringement of those trade marks and is thus forbidden.

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Information on this website is not intended for Hong Kong residents. Information on this website about Skandia Group Companies is intended for UK residents only, unless it relates to Royal Skandia, Skandia Life Norge or Suomen Sivuliike. Skandia Group companies do not offer investment advice and no information on this website should be construed as such.

Calls may be monitored and recorded for training purposes and to avoid misunderstandings.