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Standard Life Self Investor Terms of Use


These Website Terms of use ('Terms of use') tell you the terms on which you may make use of this website, whether as a guest or as a registered user of the smart+ service, the non-advised online investment service provided by Standard Life Self Investor ('smart+').

Please read these terms of use carefully before you start to use this website. By using this website, you indicate that you accept these Terms of use and that you agree to abide by them. If you do not agree to these Terms of use, you should not use our website. If you are unclear about its contents please contact us

This website is provided by Standard Life Self Investor which is a brand name of Elevate Portfolio Services Limited which forms part of Standard Life Aberdeen group. Elevate Portfolio Services Limited (01128611) is registered in England at 14th Floor 30 St Mary Axe, London, EC3A 8BF and is authorised and regulated by the Financial Conduct Authority.

Standard Life Self Investor reserves the right at its discretion to amend, update, modify or replace these Terms of use at any time without notice. Any such amendment, update, modification or replacement shall be effective once the revised Terms of use have been posted on this website. You are responsible for checking the Terms of use each time you use the website and your use of the website indicates your acceptance of the Terms of use applicable at the time you access the website.

These Terms of use were last updated on 22 April 2017.

Please note that this website is intended for use by residents of 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 accessed, including (without limitation) the United Kingdom.

References in this Terms of use to 'we' or 'us' refer to Standard Life Self Investor and references to 'you', 'users', 'investors', 'customers' refer to any users of this website.

This website is provided on a personal, non-exclusive, non-transferable basis. It is not for use by any other third party or commercial organisation

Reliance on information posted

The information and features available on the website are provided for information purposes only and shall not be construed or interpreted to be providing you with financial advice or other professional advice. Standard Life Self Investor will not be responsible for determining the suitability of any transactions you carry out via the website.

Standard Life Self Investor will use all reasonable skill and care to ensure that the information is accurate at the date of publication. We will also use reasonable skill and care to ensure the security of and prevent unauthorised access to any password-protected services available through the website. However, because of the nature of the internet, there may be circumstances in which errors or omissions in the information may occur which are beyond the reasonable control of Standard Life Self Investor, for example unauthorised access by a third party. Consequently, we offer no warranty or representations, express or implied, as to the accuracy of any information available through the website.

Information supplied by you

You are responsible for the information you provide to us. Information you give must be accurate and complete to the best of your knowledge.

If the information provided to us is not up to date, or otherwise incorrect or incomplete, we accept no responsibility for any information given by us in response or transactions that follow from the use of the information provided by you and hereby disclaim all liability for any loss and damage howsoever arising.

Carrying out transactions and using website services

Before making a transaction through our website or using the services provided you must ensure you have reviewed the information we have provided relating to a particular investment fund, financial product or service. This information can be found on screen, by clicking on the 'I' buttons and by viewing documents through the links made available.

Changes to the website

We may update the website from time-to-time, and may change the content at any time. If the need arises, we may suspend access to the website, or close it indefinitely. We may change the format and content of the sites at our sole discretion from time-to-time. Please be reminded that any changes to the website are subject to the smart+ service Terms and conditions if you have registered with smart+.

Information from third parties

This website may contain information provided by third parties. It is the responsibility of these respective third parties to ensure this information is reliable and accurate and we accept no liability for such information save as set out in the “Our liability” section. Users of the website agree and understand that while it may be possible to access information and news stories through our website this does not constitute a personal recommendation to buy, sell, or otherwise trade all or any of the investments which may be referred to.

None of Standard Life Self Investor's information providers warrant that their supply of information to users will be uninterrupted or error free; nor make any warranty as to the results to be obtained from use of the Service.

Should you wish to know which third parties we currently work with and the services they provide please contact us.

Our liability

The material displayed on the website is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of Standard Life Aberdeen group and third parties connected to us hereby expressly exclude:

  • all conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity;
  • any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with the website or in connection with the use, inability to use, or results of the use of the website, any websites linked to it and any materials posted on it, including but not limited to:
  • loss of anticipated savings;
  • loss of data; and

whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.

This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law, nor any liability we may have to you in relation to your use of the ISA calculator made available via this website. Please be reminded that this is subject to the smart+ service Terms and conditions if you have registered with smart+.

Acceptable use of the website

Prohibited use

You may use the website only for lawful purposes. You may not use the website:

  • in any way that breaches any applicable local, national or international law or regulation;
  • in any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect;
  • to send, knowingly receive, upload, download, use or re-use any material which does not comply with these Terms of use;
  • to transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam);
  • to knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware

You also agree:

  • not to reproduce, duplicate, copy or re-sell any part of the website in contravention of the provisions of these Terms of use;
  • not to access without authority, interfere with, damage or disrupt:
  • any part of the website;
  • any equipment or network on which the website is stored;
  • any software used in the provision of the website; or
  • any equipment or network or software owned or used by any third party.

Viruses, hacking and other offences

It is recommended that you arrange to backup data regularly and seek specialist advice about the use and security of computer equipment, downloads and the avoidance of viruses. You must not misuse the website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to the website, the server on which the website is stored or any server, computer or database connected to the website. You must not attack the website via a denial-of-service attack or a distributed denial-of service attack.

By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use the website will cease immediately.

We cannot warrant that this website is free of viruses or technical defects of any description, and we accept no responsibility for any technical problems arising from your use of this website. We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programmes, data or other proprietary material due to your use of the website or to your downloading of any material posted on it, or on any website linked to it.

Supported browsers

Our website is designed to work with current versions of the most popular web browsers. The site may not display properly if you are using an old version of an internet browser. In addition we have designed the website to work best with Javascript enabled. If you choose not to turn on Javascript in your browser, you may find some areas of the site have reduced features.

Copyright and Intellectual Property

All copyright and other intellectual property rights in any material (including text, photographs and other images and sound) contained in the Standard Life Self Investor website is either owned by us or has been licensed to us by the rights owner(s) for use on the sites. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from our site for your personal use. You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any forecasts, photographs, video or audio sequences or any graphics separately from any accompanying text. Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged

If you print off, copy or download any part of our site in breach of these Terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Surveys and contests

From time to time our site may request information from users via surveys, contests or for a particular service (e.g. newsletter). Participation in these surveys or contests is completely voluntary and the user therefore has a choice whether or not to disclose this information. Information requested may include contact information. We will use the contact information to notify winners. We will not publish winners' details on the site though on request we will provide details of any winner's name and location.

Jurisdiction and applicable law

By accessing this website you agree that these Terms of use shall be subject to English law and the Court of England and Wales shall have exclusive jurisdiction over all claims or disputes arising in relation to, out of or in connection with them.

You are reminded that if you choose to register with smart+, your use of smart+ will be governed by the smart+ service Terms and conditions. If there is a difference between the smart+ service Terms and conditions and these Terms of use with regard to jurisdiction and applicable law upon or after your registration with smart+, the smart+ service Terms and conditions will take precedence.

How to contact us

You can contact us by:

Visiting our contact us page

Standard Life Self Investor, PO Box 6890, Basingstoke RG24 4SL

If you have a Customer number please have this available when you contact us.

Important information

Elevate Portfolio Services Limited forms part of Standard Life Aberdeen group (Standard Life Aberdeen plc and its subsidiaries).

Standard Life Self Investor does not give advice based on personal circumstances. Using our service means you are responsible for deciding which investments are suitable for you. Personal advice is only available from a financial adviser, if you don't have one, you can find one at

Standard Life Self Investor, PO Box 6890, Basingstoke, RG24 4SL. Telephone number 0800 1522 522. As part of our commitment to quality service and security, telephone calls may be monitored and/or recorded to protect you and us and help with our training. Call charges will vary.

Elevate Portfolio Services Limited (01128611) is registered in England at 14th Floor, 30 St. Mary Axe, London, England, EC3A 8BF and is authorised and regulated by the Financial Conduct Authority.

Standard Life Savings Limited (SC180203) is registered in Scotland at Standard Life House, 30 Lothian Road, Edinburgh, EH1 2DH and is authorised and regulated by the Financial Conduct Authority.

Copyright © 2018 Elevate Portfolio Services. All rights reserved