The following terms and conditions govern your use of this Web Site and the information contained on or available through the Web Site. By accessing, using or downloading the Web Site or the information you agree to be bound by these terms and conditions, which may change without further notice to you. This Web Site is operated by the organisation named on the "Contact Us" page of this Web Site ("the Firm").

This Web Site does not give financial, investment or tax advice. It is specially designed to provide its users with general information only regarding the Firm and how to contact the Firm and does not (indeed cannot) attempt to give individual users specific advice on which products or services are the most appropriate for them in their particular circumstances.The information provided on products or services on this Web Site does not constitute and offer of sale. To enquire about any of these products or services, contact the Firm.

Some products offered by the Firm may be available from sources other than the Firm at a lower or higher cost than quoted, for example where a particular intermediary has negotiated special terms with a product provider.The Firm does not warrant or represent that the information and data contained in this Web Site is accurate, current, complete or suitable for your or any purpose. Therefore, subject to any restrictions imposed by our regulator, the Firm will not be liable to users of the Web Site for any losses or damages, whether direct, indirect, special or consequential whether in contract, tort (including negligence) or otherwise arising from this Web Site or from any inability, interruption or delay in access to the Web Site or any linked web site for whatever reason.

We strongly recommend that if you are in any doubt about any aspect of your personal finances you seek independent financial advice.We will, upon receipt of your e-mail enquiry, contact you within 5 working days. If you are experiencing any problems or have not heard from us within this time, please contact one of our customer services advisors on 02080042020

This Web Site is for use in the UK only and the information contained within it relates to products marketed to residents of the UK only. Non-UK residents should refer to a source of financial advice within their own country.Your use of this Web Site shall be governed by English law and the English courts shall have exclusive jurisdiction over any disputes arising from or in connection with the use, misuse or inability to use this Web Site.