Legal

It is important that you read this page. It contains important information. By accessing this website, you will be deemed to have agreed to what is set out below.

1. Information, not advice

This website is for information only and is subject to change without notice. It is not intended to offer advice and is not to be taken as in any way offering advice.

This website is not in any way an offer to sell our products and/or the provision of advice on the suitability of a fund.

2. Leaving the website

After you leave this website (whether knowingly or not), we are not responsible in any way for any other pages, websites or other thing that you access, and the results of accessing them. In particular, you may be going to a website whose originator is not authorised and regulated by the Financial Services Authority.

3. Copyright and trademarks

Copyright in this website and any trademarks are owned by AEGON UK plc or other AEGON group companies. All rights reserved.

4. United Kingdom residents

This website is intended for the information and use of United Kingdom residents only.

5. Downloading information

Please note that any downloading of software or information is done at your own risk. We do not warrant the suitability of anything that is downloaded and accept no liability for any problems that may arise as a result. If you are in any doubt about downloading anything, we recommend that you take specialist advice before downloading.

6. Email

We do not guarantee that any email sent to us will be received, or that the contents will remain private during transmission. If you are concerned about this, then please consider other means of communication. You will be responsible for ensuring that any electronic message or information you send to us is free from any virus or defect that may harm our systems in any way.

7. Website availability

We do not guarantee that this website will be available at all times. Further, this website may be withdrawn at any time without notice. Neither AEGON UK plc nor any other AEGON group company shall be liable in any way if this website is unavailable or withdrawn.

8. General

(a) We have taken care concerning the accuracy and integrity of what is on this website. However, neither AEGON UK plc nor any other AEGON group company will be liable in any way for any errors and/or omissions concerning what is on, or is omitted from, this website.

(b) Neither AEGON UK plc nor any other AEGON group company will be liable in any way for the results of any unauthorised access to this website or any unauthorised alteration to this website.

(c) The terms of, and use of, this website shall be governed by the law of that part of the United Kingdom in which the user resides.

(d) The pages of this site may not, in whole or in part, be reproduced, copied, stored, transmitted, or used by any party except for the purpose of downloading for private, non-commercial viewing purposes or where we’ve given our prior written consent. You must not alter anything on this website. No material from this site may be used on any other website and no links may be created to this site without our prior written consent.

(e) We may make changes to the information on this site at any time without updating this page to reflect those changes and neither AEGON UK plc nor any other AEGON group company will be liable for errors, omissions or for information becoming out of date. If you’re in any doubt as to the accuracy and currency of any information on this site, or if you require any further information, please contact us.

9. Data protection

Our use of your personal information is governed by our Privacy Policy, which forms part of these terms. Please read the Privacy Policy carefully – it deals with your rights and our obligations in relation to your personal data, including what we can do with it, to whom we may disclose it, together with your rights of access.

10. Products and investments

Risk factors

• Benefits are not guaranteed and the value of investments may go down as well as up.
• Past performance of investments is no guarantee of future performance.
• Equities and investment bonds are considered long-term investments and are not directly comparable with typical bank or building society accounts where your capital is more secure and can be accessed at any time with little or no penalty.
• The risk rating for each of our funds is based purely on its risk relative to other funds in our full fund range and not against industry benchmarks.
• All references to taxation are based on AEGON’s understanding of current taxation law and HM Revenue & Customs practice in the United Kingdom and Republic of Ireland, which may change.
• The value of any tax relief depends on your financial circumstances.
• Smoothing adjustments on our With-profits funds will not be able to counteract the impact of a sustained decline in investment returns.
• All individual protection benefits are provided by Scottish Equitable plc and are only payable in the event of a claim. The full terms and conditions of your policy are contained in your policy conditions, sample copies of which are available on request.
• All group risk covers are provided by Scottish Equitable plc. This provides pure protection. Benefits are paid in the event of a valid claim during the chosen term. In the absence of a claim, there is no cash value.

Important information about property

When there are more people leaving the property fund than investing in it, we may have to sell properties to pay claims. If this is the case, we take one or other, or both, of the following steps to protect the remaining investors in any funds that are themselves invested in property.

• When we feel there is a definite trend towards more people selling units in the funds than buying units, we may change our valuation basis to reflect this. This will result in a drop in our fund price. This will be bigger than for other types of funds because of the extra costs involved in buying and selling property when compared with, say, shares.
• We may also, but not necessarily, delay acting on instructions to switch/cash in a client’s investment by anything up to 12 months if market conditions make it difficult for the manager to sell properties at a fair price.
• Other funds that invest in property may have similar provisions.

The value of properties is determined by independent valuers appointed by a fund manager and is generally a matter of their opinion rather than fact.

We are not responsible for the security of content of any non-AEGON websites which are linked to from this website.