Terms and conditions

  1. We do our best to ensure that the website operates properly at all times, but we make no warranties as to the availability or accessibility of the website, and (save as otherwise set out in these terms and conditions) we will not be liable for any damages, loss, costs or expenses incurred by you as a result of any lack of availability or accessibility of the website.

  2. Nothing within these conditions operates so as to exclude, limit or restrict our liability for death or personal injury.

  3. Where you deal as a consumer, nothing in the above exclusions affects your statutory rights.

  4. All Intellectual Property Rights and goodwill in or relating to the contents of the website belong to either ourselves, to a member of the St. James's Place group or to our suppliers.

©2020 St. James's Place plc. All rights reserved. "St. James's Place" and the St. James's Place Logo are trademarks of St. James's Place plc.

Nothing contained in these conditions or the website should be construed as granting by implication, estoppel, personal bar, or otherwise, any licence or right to use any of the trade marks without our permission. However, copying and printing of those web pages which contain the trademarks is permitted within the scope of the licence below.

You may download to a local hard disk and print extracts from the website solely for personal, non-commercial use. You may also recopy downloaded extracts to others for their personal, non commercial use.

You may not reproduce part or all of the contents of the website in any form unless it is for personal, non commercial use.

You may not copy or otherwise incorporate into or store in any other website, electronic retrieval system, publication or other work any of the content of the website in any form (whether hard copy, electronic or other).

You may not frame or link to the website or any part of it without our express permission. If you have any difficulty in accessing any information on this website or if you have any feedback for us, we would like to hear from you. Please contact us.

Site disclaimer

The information published on this website is provided as a convenience to visitors and should be used for information purposes only and is subject to change without notice. None of the information contained in this website constitutes financial or other professional advice in any way. If you require additional information, you should contact one of our personnel.

While we use reasonable efforts to ensure that the information contained on this website is current and accurate at the date of publication, no warranties are made, either expressed or implied, as to reliability, accuracy or completeness of the information. We accept no liability for any loss arising directly or indirectly from the use of or action taken in reliance on such information. These documents should not be copied, reproduced or redistributed, in whole or in part.

No warranty is given as to the freedom of this website from errors, defects, viruses, malicious programs or macros. Links from this website exist for information only and we accept no responsibility or liability for the information contained on any such site. The existence of a link to another website does not imply or express endorsement of its provider, product or services by us or St. James's Place. Links to this website are not permitted without our prior written consent. Please note that clicking on links to external websites will cause you to leave this website.

Accessibility

We recognise the importance of providing a website that is inclusive and available for all user groups. This page explains:

  • our approach to making this website accessible;

  • the features provided to enhance the site’s accessibility;

  • what to do if you have any questions or feedback for us.

Approach

We believe that this website meets or exceeds the requirements of the level A criteria of the World Wide Web Consortium Web Accessibility Initiative (WCAG WAI) 2.0 guidelines.

Accessibility features

Keyboard access

We have provided 'skip to main content' links to allow direct access past the navigation menu to the page's main content.

Text size

You can vary the text size by using your browser's text resize option: View – Text Size.

Alternative text for images

All images have been given appropriate alternative text.

Heading elements

HTML heading elements have been used to represent page structure, supporting assistive technologies that allow page navigation from heading to heading.

Link text

All hyperlinks should make sense when read out of context, and hyperlinks are clearly presented in a different text style from normal body text.

JavaScript independence

Where JavaScript or other scripts are used for navigation or functionality, an alternative mechanism has been put in place in case your browser does not support these scripts.

Colour contrast

We have checked text and background colour combinations to ensure that the contrast is sufficient and we have also ensured that information is not referenced by colour alone.

Style sheets

We have used Cascading Style Sheets (CSS) to control the presentation of pages and have used properly structured markup for content. If style sheets are not supported or are turned off, information on the site can still be accessed and read.

Questions and feedback

If you have any difficulty in accessing any information on this website or if you have any feedback for us, we would like to hear from you. Please contact us.