Legal notice

These are the Terms and Conditions which apply to your use of this website. Please read them carefully. By accessing this website you are deemed to have accepted these Terms and Conditions.

Please note that this website is intended for use by residents of the United Kingdom whilst in the United Kingdom only. It is not applicable to residents/investors of other countries because the law in other countries may restrict the distribution of the information and products on this website. For the avoidance of doubt none of the information on this website constitutes an offer to contract in any country in which it is available including the United Kingdom.

Winterthur Life UK Limited (“Winterthur”), a member of the AXA Group of companies, is authorised and regulated by the Financial Services Authority (“FSA”) and is entered on the FSA register, number 182007. Winterthur offers pre and post retirement products through independent financial advisers only. No advice on investment business can be obtained from this website. Full terms and conditions of our products are available on request from our Head Office address.

Please remember that past performance of an investment is not necessarily a guide to future performance. The value of an investment and the income from it can fall as well as rise as a result of market and currency fluctuations and you may not get back the amount originally invested.

Winterthur reserves the right to update the Terms and Conditions from time to time without notice to you.

Availability

Winterthur will endeavour to ensure that this website is accessible for 24 hours a day but will not be liable for any loss or damage arising in contract, tort or otherwise if, for any reason, the website is unavailable or suspended for any time or period. Winterthur will have the right to suspend access to this website temporarily or permanently and without notice.

Copyright and trademark law

The Winterthur name and logo are registered trade marks of the AXA Group of companies who claim rights in this name and logo.

All elements of this website are protected by copyright law and belong to Winterthur. The copyrights of third parties are reserved. Changes to this website are prohibited. Downloading or printing individual pages and/or parts of this website for private purposes is allowed, provided that neither the copyright marks nor any other legally protected markings are removed. Winterthur shall remain the owner of all software or data which you download or copy in any way from this website. Without the prior written consent of Winterthur this website or any part thereof may not be copied, transmitted (electronically or otherwise), linked or used for public or commercial purposes.

Downloading or copying this website or any part thereof does not confer a licence or any right to use any image, trademark, logo or software. Winterthur reserves all rights to all material on this website, and shall enforce its rights to the full extent of the law.

Information

The information contained on this website is provided for information purposes only and Winterthur will use reasonable care and skill to ensure that it is accurate at the date of publication. However, because of the nature of the Internet, there may be circumstances in which errors occur within the information. Consequently Winterthur makes no warranty as to the accuracy of any information on this website and cannot accept liability for any errors or omissions within it.

Security

Winterthur will take all reasonable steps to ensure that any information you provide via email on this website is kept secure, but please remember that, because of the nature of the Internet, the security of emails cannot be guaranteed. Consequently your privacy cannot be guaranteed. There is no guarantee that any emails sent will be received by us.

Additional information regarding the security of personal data and the use of cookies is available in our Privacy Statement.

Winterthur will take reasonable precautions to prevent the introduction of computer viruses, worms, software bombs or similar items into this website. You will make reasonable endeavours to try to prevent introducing such items to this website.

Liability

Nothing in these Terms and Conditions will exclude or limit Winterthur’s liability for:

any obligations which the law does not permit to be excluded;
death or personal injury caused by Winterthur’s negligence;
wilful default or fraud.

Winterthur shall not be liable (including without limitation) in contract, tort, negligence, statutory duty or otherwise to the maximum extent permissible by law for any Loss arising from (including but not limited to):

any defects, viruses and any other malfunctions caused to any equipment or other software in connection with access or use of this website
the content of this website
the website’s unavailability
misuse of this website
loss of data stored on the device you are using to access this website
the download or use of any software made available on this website
unauthorised use of the Security Details

For the purposes of this section, ‘Loss’ means all losses (including but not limited to loss of: business, revenue, goodwill, profits, management time, opportunity, or anticipated savings), liabilities, costs, payments, claims, actions, damages and expenses (whether direct or indirect).

Nothing contained in these Terms and Conditions shall be construed as limiting or excluding any rights which any party has under the Financial Services and Markets Act 2000 or the FSA Handbook (or any successor legislation or rules).

Data Protection and Privacy

Any personal information you supply to Winterthur via this website will be treated in accordance with the Data Protection Act 1998 (as amended).

Additional information regarding the privacy of personal data and the use of cookies is available in our Privacy Statement.

Links and contents of third-party websites

Activating certain links on this website may cause you to leave this website. Third-party websites may also be linked to this website via framing, as attachments, etc. Winterthur has not checked the contents of third-party websites linked to this website and does not accept any liability for their contents or the products and services they offer. The same applies to websites that include links to this website. The prior and express permission of Winterthur must be obtained for the installation of any links from third-party websites to this website.

Jurisdiction

Winterthur and you have a free choice about the law that can apply to these Terms and Conditions. Winterthur proposes to choose the law of England and Wales and, by accessing this website, you agree that the law of England and Wales applies.

Investment Manager pages

The information contained in the Investment Manager pages on this website is provided by the Fund Managers and therefore is not the responsibility of Winterthur. Winterthur accepts no responsibility for decisions made or advice given as a consequence of the information provided on these web pages. Any views or opinions presented are solely those of the Fund Managers and do not necessarily represent those of Winterthur unless specifically stated.

Adviser online services

For the purpose of this section, the following definitions shall apply:

“Certification Authority” means a reputable organisation which will undertake due diligence and verification on the adviser and/or his computer to ensure they meet the organisation’s verification standards. The adviser must also enter into annual renewable contracts with the Certification Authority before being issued with a Digital Certificate.

“Digital Certificate” means a computer file issued by a Certification Authority containing identity information on the holder of the certificate.

“Digital Certificate Revocation List” means an electronic list referenced by Winterthur, which will automatically check all advisers who request access to ensure they hold a current Digital Certificate.

“OSIS” means Origo Secure Internet Services Limited, whose registered office is at Moyen House, Heriot-Watt Research Park North, Edinburgh, Scotland EH14 4AP, Company No. Sc201466.

“OSIS Individual Certificate” means a Digital Certificate where the Certification Authority is OSIS and is used for the Winterthur adviser online services.

If the adviser wishes to use the Unipass login to access Winterthur’s adviser online services, Winterthur will only release material under the following circumstances:

the adviser has entered into a contract with OSIS;
the adviser holds a current OSIS Individual Certificate;
the adviser’s Digital Certificate is verified against the Digital Certificate Revocation List;
Winterthur accepts no responsibility for the authenticity of the Digital Certificate.

The adviser shall pay the costs and expenses incurred by it in obtaining and renewing its Digital Certificates.

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