Legal Notice

Winterthur offers pre and post retirement products through independent financial advisers only. No advice on investment business can be obtained from this site. This site is intended for UK residents only. Winterthur Life UK Limited is authorised and regulated by the Financial Services Authority and is entered on the FSA register, number 182007. Full terms and conditions of our products are available on request from our Head Office address.

Terms of use and legal information

By using and/or calling up information, software and documents from the websites of Winterthur Life and all its direct or indirect subsidiaries, hereinafter referred to as "Winterthur Life & Pensions", you confirm that you have understood and accepted the following terms of use and legal information.

Copyright and trademark law

All elements of this website are protected by copyright law and belong to Winterthur Life & Pensions. The copyrights of third parties are reserved. Changes to this website are prohibited. Downloading or printing individual pages and/or parts of the website for private purposes is allowed, provided that neither the copyright marks nor any other legally protected markings are removed. Winterthur Life & Pensions shall remain the owner of all software or data which you download or copy in any way from the website. Without the prior written consent of Winterthur Life & Pensions 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 Life & Pensions reserves all rights to all material on the website, and shall enforce its rights to the full extent of the law.

WINTERTHUR is a registered trademark of "Winterthur" Swiss Insurance Company.

Not an offer

The contents of this website are for information purposes only and are not binding, unless expressly stated otherwise. The information also does not constitute a request or an offer in a legal sense or a recommendation to buy or sell securities or investment instruments, or to conclude any other transactions. It also does not constitute a specific investment proposal or service.

Access to the products, services, investments and funds mentioned on this website shall not be granted to persons who are nationals of or domiciled in countries where international binding regulations, local law or regulations forbid access to such information. The same shall apply to the prospectuses of these products.

Investors should be aware that prices of investment funds may fall as well as rise. For this reason, positive performance in the past can be no guarantee of positive performance in the future. Foreign currency investments are also subject to exchange rate fluctuations. The companies of Winterthur Life & Pensions and/or members of the boards of directors or employees of companies of Winterthur Life & Pensions may have held or may hold positions in or have acted or act as market maker for the securities in question. In addition, the companies of Winterthur Life & Pensions /or members of the boards of directors or employees of the companies of Winterthur Life & Pensions may have had or may have a relationship with the companies concerned, may have offered or may offer corporate finance or other services to these companies, or may have had or may have a seat on their executive boards. It is possible that you do not have access to the products, services or investments described, or that other such products, services or investments available on the market are better suited to you. The information on this website is therefore not a reliable basis for taking investment or other decisions when seen in isolation. Please consult your Professional Financial Advisor before making any investment decisions.

Assets shall only be accepted and managed by companies of Winterthur Life & Pensions with the authority to do so.

No undertakings or guarantees (exclusion of liability)

Although all reasonable care has been taken in setting up this website, neither Winterthur Life & Pensions nor its employees can offer any undertaking or guarantee, either expressly or implicitly, including liability towards third parties, regarding the correctness, completeness or up-to-dateness of its contents. Winterthur Life & Pensions reserves the right to supplement its website at any time or to change or delete any views expressed on the website. Winterthur Life & Pensions reserves the right to suspend or withdraw access to the pages of this site without notice at any time and accepts no responsibility for when these pages are not available.

Winterthur Life & Pensions does not warrant and makes no representation that any information, software, or other material accessible through one of its websites is free of virus, worm, Trojan Horse or other harmful components, and it is your responsibility to ensure that whatever you download from or select for your use from this site is free from these items.

Winterthur Life & Pensions can also offer no undertaking that the information is correct or has not been interfered with owing to technical problems (transmission errors, technical deficiencies, interruptions, illegal interventions by third parties, etc.) or for any other reason.

Under no circumstances shall Winterthur Life & Pensions be liable for any loss or damage, including but not limited to direct, indirect or consequential loss or damages that result in any way and for any reason from your use of the information and material provided in the Winterthur Life & Pensions websites or from your access to other material on the Internet via any link from the Winterthur Life & Pensions websites.

In addition, under no circumstances shall Winterthur Life & Pensions be liable for any loss or damage, including but not limited to direct, indirect or consequential loss or damage that is a result of the inherent risks of the financial markets.

Data security and data protection

In the case of electronic contact or communication, your data is transmitted via a publicly accessible network. Data transmissions may cross international borders, even if the sender and recipient are both located in the same country. Even when the individual data packets are encrypted, the names of the sender and recipient are not. It is therefore possible for a third party to conclude that an insurance relationship exists, has existed, or may exist in the future.

Winterthur Life & Pensions handles personal data in accordance with the provisions of the Data Protection Act 1998 (as amended) and takes appropriate measures to protect the data from manipulation. Please note however that the World Wide Web is a publicly accessible system. Making personal information voluntarily available on-line is done at one's own risk. Your data can be lost during transmission or be accessed by unauthorised parties, and Winterthur Life & Pensions cannot accept any responsibility for data security in these circumstances.

Data sent to Winterthur Life & Pensions via the Internet shall only be used for the desired purposes, with the exception of advertising within Winterthur Life & Pensions. Please inform us if you do not wish your data to be used for internal advertising purposes.

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 Life & Pensions 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 Life & Pensions must be obtained for the installation of any links from third-party websites to this website.

Jurisdiction

This website is established in the United Kingdom, and is governed by the laws of England and Wales. A condition of using this site is that in the event of any dispute or proceeding regarding this website, the information contained within or any matters raised in this legal notice, you irrevocably submit to the exclusive jurisdiction of the Courts of England and Wales, and waive any objections to proceedings on the grounds of venue or inconvenience of forum.

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 Life & Pensions. Winterthur Life & Pensions 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 Life & Pensions unless specifically stated.

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Principles and practices