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
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 Further, this website may be withdrawn at any time without notice. We shall not be liable in any way if this website is unavailable or withdrawn.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, we will not be liable in any way for any errors and/or omissions concerning what is on, or is omitted from, this website.
(b) We will not 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.
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. The value of investments and the income from them can fall as well as rise and is not guaranteed. You may not get back the amount you originally invested.
- Past performance of investments is no guide 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 and Customs practice in the United Kingdom 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, samples 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 may take one or other, or both, of the following steps to protect the remaining investors in any fund investing either directly in property or in other funds that are themselves mainly invested in property:
- When we feel there's 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 than fact.
We aren’t responsible for the security of content or any non-AEGON websites which are linked to from this website.