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By
proceeding you are deemed to have read and accepted the terms
and conditions of this website. Please note that all of the products,
funds and services mentioned or described herein are only available
to persons normally resident for tax purposes in the United Kingdom.
It is your responsibility to inform yourself of and to observe
all applicable laws and regulations of the relevant jurisdiction
and to ensure that you are able to lawfully receive the information
and services. Persons not normally resident for tax purposes in
the United Kingdom should not proceed beyond this page.
Skandia
Investment Solutions investment platform gives you access to ISA
and Collective Investment Account provided by Skandia MultiFUNDS
Limited, Collective Retirement Account and Collective Investment
Bond provided by Skandia MultiFUNDS Assurance Limited and an Offshore
Collective Investment Bond distributed by Skandia MultiFUNDS Limited
for Old Mutual International (Guernsey) Limited.
The
products contained on this website include products written by a number of
companies. To find out about some of the important differences applicable to a
company, select each company.
It
is important that you read this information before proceeding further as it
explains legal and regulatory restrictions applicable to the distribution of
the information on this website. Any products illustrated on this website are
not available outside the United Kingdom.
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General – this website and the information
contained on it is directed at professional advisers who have
terms of business with the above named companies and private
investors resident for tax purposes in the United Kingdom and
is for information purposes only. It is not intended to constitute
professional advice in any way and individual investors should
seek advice from a financial adviser. You should not rely solely
on information contained on this website. You should carefully
read the terms and conditions relating to the particular product.
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Contents – the information is being provided
free of charge. Information contained on this website is believed
to be accurate at the date of publication but it is not guaranteed
that such information is accurate as of date of receipt or will
remain so in the future. No warranty, either express or implied,
is given as to the accuracy, adequacy, quality or fitness of
the information or services for a particular purpose or use.
No liability is accepted for any losses or damage arising from
the use of, or reliance on, the information contained herein
including without limitation any costs, claims or demands of
any nature by any party, loss of profit or any other damages
direct, indirect or consequential. You are responsible for validating
the integrity of any information received.
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Product Availability – the products contained in this
website do not constitute an offer to sell or solicitation of
an offer to buy. All products are only available to UK residents
and may only be purchased through financial advisers. The information
contained on this website does not constitute investment advice.
Details of products on this website include products written
by Skandia MultiFUNDS Limited, Skandia MultiFUNDS Assurance Limited and Old Mutual International (Guernsey) Limited.
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Website Availability – every endeavour is made to ensure
that Skandia Investment Solutions’ online platform is fully available
during core business hours (08.00 to 20.00 Weekdays, UK time).
It may not be available outside of these hours due to overnight processing,
maintenance and/or system update. No liability is accepted for any loss or damage,
direct or indirect, suffered as a result of any withdrawal or
inability to use the site including without limitation damages
for loss of business or loss of profits or any other monetary
loss. No liability is accepted for any failure of the system.
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Copyright – copyright of all materials and all other
intellectual property rights in this website are owned by Skandia
MultiFUNDS Limited, Skandia MultiFUNDS Assurance Limited associated
companies in the Old Mutual Group or providers of such information
and are protected. You may use the information retrieved from
the service only for your own purposes. You are permitted to
print and download extracts from this site provided that the
pages and information contained within them are not modified
in any way and acknowledgement is given to the source of the
materials. You may not sell, resell, retransmit or otherwise
make the information retrieved from the service available in
any manner or on any media to any third party. The right is
reserved, without notice, to change the content, presentation,
performance, user facilities and availability of any part of
the service.
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Regulatory – Skandia MultiFUNDS Limited and
Skandia MultiFUNDS Assurance Limited are authorised and
regulated by the Financial Services Authority. FSA Register
numbers 165359 and 207977 www.fsa.gov.uk/register/
Old
Mutual International (Guernsey) Limited is licensed to write
long term business under the Insurance Business (Bailiwick
of Guernsey) Law 2002. The statutory functions of regulation
under the legislation are carried out by the Guernsey Financial
Services Commission.
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Investment Performance – past performance is no
guarantee of future returns. The value of investments and the
income from them can go down as well as up as a result of changes
in the value of the underlying securities and currency movements
and an investor may not get back the amount invested. Where
a transaction involves a foreign purchase or subscription the
investor may be exposed to the risk of currency fluctuations.
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Taxation – the investment services and products mentioned
in this website may often have tax consequences and therefore
investors should consult their own tax advisers to understand
the tax consequences of any services and products mentioned
in this site. Any references to taxation in this website are
based on our interpretation of current UK tax law and practice.
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Privacy – we are committed to protecting your privacy.
We therefore store and use personal data in line with the provisions
of data protection legislation. When you give personal information
to us, we will tell you how we will use it. When you use this
website, we automatically collect information from you PC's
hard disk using files calles 'cookies'. The information collected
from cookies helps security, to enhance and personalise aspects
of our service, to show that you have read the legal information,
to analyse how our site is used. This information will not be
used for marketing purposes. You may prevent the use of cookies
by changing the settings on your browser, but please note that
this may hinder some of the website functionality. You can also
choose to delete cookies from your hard disk. For more information
about cookies please visit www.aboutcookies.org
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Links to other websites – for your convenience this site
contains links to other websites. No responsibility and liability
is accepted in any circumstances for the operation or content
of any sites of others (including without limitation any other
company or companies within the Old Mutual Group) to which this
site may be linked. Links to this site are not permitted without
prior written consent.
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Jurisdiction – this site is established in England and
shall be governed by the laws of England.
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Acceptance – by accessing any part of this website you
shall be deemed to have accepted these terms and conditions.
The right is reserved to alter, vary and amend these terms and
conditions from time to time.
Skandia
MultiFUNDS Limited
Skandia MultiFUNDS Limited is an investment company authorised and regulated by
the Financial Services Authority. Products and services are currently available
through UK registered financial advisers. Skandia
MultiFunds Limited does not offer advice as to the suitability of these
products.
The
following products are available from Skandia MultiFUNDS Limited:
Details
of these products together with product-specific risk warnings
are included in Key Features and Terms and Conditions documents
available in the Literature Library.
Skandia MultiFUNDS Assurance Limited
Skandia MultiFUNDS Assurance Limited is a UK life assurance company authorised and
regulated by the Financial Services Authority. Products and services are
currently available through UK registered financial
advisers. Skandia MultiFUNDS Assurance Limited does not offer advice
as to the suitability of this product.
The
following products are available from Skandia MultiFUNDS Assurance Limited:
Details
of these products together with product specific risk warnings
are included in the Key Features and Terms and Conditions documents
available in the Literature Library.
Old
Mutual International (Guernsey) Limited
Old
Mutual International (Guernsey) Limited is licensed to write long term
business under the Insurance Business (Bailiwick of Guernsey) Law 2002. It is a
member of the Old Mutual group. You should note that the regulatory regime
applying to the products issued by Old Mutual International (Guernsey)
Limited, including any compensation or investor protection arrangements, may be
different from your home country. In particular, Old Mutual International
(Guernsey) Limited is not, and is not required to be, authorised under the UK
Financial Services and Markets Act 2000 and is therefore not subject to the
rules and regulations of the UK Financial Services Compensation Scheme made
under that Act for the protection of investors.
The
Offshore Collective Investment Bond is a collection of unit linked
whole of life assurance policies issued by Old Mutual International
(Guernsey) Limited and marketed in the UK by Skandia MultiFUNDS
Limited. This product is only available through UK registered
financial advisers.
You
should be aware that the tax regime applicable to investments in products
issued by Old Mutual International (Guernsey) Limited may be different from
that in the UK.
Old
Mutual International (Guernsey) Limited does not offer advice
as to the suitability of this product. Details of the product
together with product specific risk warnings are included in Key
Features and Terms and Conditions documents available in the Literature
Library.
Old
Mutual International (Guernsey) Limited is registered and has its principal
office at Fairbairn House, PO Box 121, Rohais, St Peter Port, Guernsey, GY1
3HE, Channel Islands. The statutory functions of regulation under the
legislation are carried out by the Guernsey Financial Services Commission. Old
Mutual International (Guernsey) Limited investments are not available to
residents of the Bailiwick of Guernsey or any other jurisdiction where such
investments would be unlawful.
Copyright
© 2008
Skandia
MultiFUNDS Limited and Skandia MultiFUNDS Assurance Limited. Registered
numbers: 1680071 and 4163431 registered in England and Wales. Registered
Office: Skandia House, Portland Terrace, Southampton, SO14 7EJ, United Kingdom.
Authorised and regulated by the Financial Services Authority FSA Register
numbers 165359 and 207977 www.fsa.gov.uk/register/
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