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Standard Life Self Investor Terms of Use

Introduction

Standard Life Self Investor Terms of Use

Introduction

These Standard Life Self Investor Terms of Use ('Terms of use') explain 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 the content of this website please contact us.

Standard Life Self Investor is a brand of Elevate Portfolio Services Limited, which forms part of the Standard Life Aberdeen Group.

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

Elevate Portfolio Services Limited 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 this website and your use of this website indicates your acceptance of the Terms of use applicable at the time you access this website.

These Terms of use were last updated on 31 August 2018.

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 these Terms of use to 'we' or 'us' means Elevate Portfolio Services Limited, unless otherwise indicated, 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 this 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. We will not be responsible for determining the suitability of any transactions you carry out via this website.

We will use all reasonable skill and care to ensure that this information is accurate as at the date of publication. We will also use all reasonable skill and care to ensure the security of and prevent unauthorised access to any password-protected services available through this 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 our reasonable control, 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 this website.

Information supplied by you

You are responsible for the information you provide to us. Information you give to us 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 this website from time-to-time, and may change the content at any time. If the need arises, we may suspend access to this website, or close it indefinitely. We may change the format and content of this website at our sole discretion from time-to-time. Please be reminded that any changes to this 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 this 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 our 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 this website is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, and other members of the 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 this website or in connection with the use, inability to use, or results of the use of this 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 this website only for lawful purposes. You may not use this 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 this website in contravention of the provisions of these Terms of use;
  • not to access without authority, interfere with, damage or disrupt:
  • any part of this website;
  • any equipment or network on which this website is stored;
  • any software used in the provision of this 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 this 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 this website, the server on which this website is stored or any server, computer or database connected to this website. You must not attack this 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 this 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 this 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. This website may not display properly if you are using an old version of an internet browser. In addition we have designed this website to work best with Javascript enabled. If you choose not to turn on Javascript in your browser, you may find some areas of this website 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 this Standard Life Self Investor website is either owned by Standard Life Employee Services Limited, or such other member of the Standard Life Aberdeen Group as Standard Life Employee Services Limited may direct, unless otherwise indicated or has been licensed to Standard Life Employee Services Limited 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 this website 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. Standard Life Employee Services Limited's 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 this website in breach of these Terms of use, your right to use this website 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 website 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 this website 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 trades as Elevate and is part of the Standard Life Aberdeen Group (Standard Life Aberdeen plc and its subsidiaries).

This Standard Life Self Investor website does not provide 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 unbiased.co.uk.

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

Standard Life Employee Services Limited is registered in Scotland (SC271355) at 1 George Street, Edinburgh, EH2 2LL.

© 2018 Standard Life Aberdeen, reproduced under licence. All rights reserved.