Legal information

1. Introduction

www.standardlife.com is provided by Standard Life plc.

Using any of the pages on this site indicates that you accept the terms of this Legal Information notice ("Notice"). If you do not accept these terms, please leave the pages of this site immediately. This Notice is issued by Standard Life plc. We may update the terms of 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 terms, as they are binding on you. Certain provisions in this Notice may be superseded by expressly designated notices or terms located on particular pages of the site. In this Notice and the pages of this site, any reference to "Standard Life", "we", "our" or "us" means Standard Life group (being Standard Life plc and its subsidiaries), unless otherwise indicated. On the pages of this site, we often refer to Standard Life group companies without including the word "Limited".

2. Company and regulation details

Parent and service companies:

Standard Life plc (SC286832),
Standard Life Employee Services Limited (SC271355), are both registered in Scotland at Standard Life House, 30 Lothian Road, Edinburgh EH1 2DH.

Standard Life Charity Fund (SC213596), is limited by guarantee, registered in Scotland at Standard Life House, 30 Lothian Road, Edinburgh EH1 2DH, and recognised as a Scottish charity (SC030702).

Companies that provide our UK and offshore products:

Standard Life Assurance Limited (SC286833) is registered in Scotland at Standard Life House, 30 Lothian Road, Edinburgh EH1 2DH; is authorised by the Prudential Regulation Authority, and regulated by the Financial Conduct Authority ("FCA") and the Prudential Regulation Authority ("PRA").

Standard Life Investments Limited (SC123321) and
Standard Life Wealth Limited (SC317950) are both registered in Scotland at 1 George Street, Edinburgh EH2 2LL; and are authorised and regulated by the Financial Conduct Authority.

Financial Services Register Reference Numbers: Standard Life Assurance Limited - 439567, Standard Life Investments Limited - 188406, and Standard Life Wealth Limited - 466684. The Financial Services Register can be found at http://www.fca.org.uk/register/.

Standard Life group VAT number GB270347469

3. Overseas Persons

Viewing this information may not be lawful in certain jurisdictions. In other jurisdictions only certain categories of person may be allowed to view this information. If you are not permitted to view materials on this website or are in any doubt as to whether you are permitted to view these materials, please exit this site.

4. General Disclaimers and terms

While we have taken all reasonable care to ensure that the information contained within the pages of this site is accurate, current and complies with relevant UK legislation and regulations as at the date of issue, errors or omissions may occur due to circumstances outside our control.

We reserve the right to change the content, presentation, performance, facilities and availability of all or part of the pages of this site at our sole discretion and without prior notice. We make no warranty or representation that the pages of this site can be accessed at all times during the UK hours of business stated on this site. This site may be temporarily unavailable or restricted for administrative or other reasons. We will not be liable for any loss or damage arising out of or in connection with the loss of the use of this site.

We include hypertext links from the pages of this site to third party sites that you might want to visit. We do not vet these sites, nor do we control their content. We accept no responsibility for information contained in any other sites which can be accessed by hypertext link from the pages of this site, or for these other sites not being available at all times. The links to these sites are provided for general information purposes only and the sites concerned and their contents are not endorsed or promoted by us in any way, unless otherwise stated. Please note that when you click on a hypertext link to one of these websites, you will leave our site and access the other website at your own risk.

5. Advice

Nothing on the pages of this site shall be deemed to constitute financial or other professional advice in any way and you should consult your financial adviser or other professional adviser if you require any financial or other professional advice.

6. Copyright and trade mark

© 2014 Standard Life, images reproduced under licence. All rights reserved.

Copyright in the pages of this site, in the screens displaying the pages and in the information and material contained therein and their arrangement, 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.

Certain images used in the pages of this site are reproduced under licence.

"Standard Life" and the "Standard Life" logo are registered trade marks of Standard Life Employee Services. Standard Life Employee Services and other members of Standard Life group may also claim trade mark and service mark rights in other marks contained within the pages of this site.

Reproduction of these pages in whole or in part 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 private, non-commercial viewing purposes.

7.Email

Please note that there is no guarantee that any email sent will be received, or that the contents of any such email will remain private during Internet transmission. If you have any such concerns, you may prefer to telephone or write to us instead. We accept no liability for any damages you or others may suffer as a result of the alteration or loss of confidentiality of any such information.

We reserve the right to monitor the use and content of emails which are sent from and received by us for the purposes of ensuring compliance with our own email policy, and identifying and taking action against unlawful or improper use of our systems.

8. Computer misuse

We recommend that you employ reasonable virus detection and protection measures when accessing the pages of this 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 other malicious or technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of this site.

9. 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 accept no liability 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.

10. Governing Law

The terms of this Notice and the use of the pages of this site shall be governed by the laws of Scotland unless otherwise stated, and the Scottish courts shall have non-exclusive jurisdiction in the event of a dispute.

© 2014 Standard Life