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RLAM

 

Privacy policy

This notice describes how we collect, store, use and share personal information.

It applies to personal information provided to us, both by you or by others on your behalf. It also explains the rights you may have in relation to the personal information that we hold about you.

Where 'we', 'us' or 'our' is referred to, it applies to one or more of the companies listed on our website here. We are a 'data controller' of the personal information we process. This means that we decide why and how personal information is used.

Within this privacy notice  'Royal London' refers to The Royal London Group.

We may collect and process the following:

  • information about you – for example name, age, gender, title, date of birth and nationality. We need this information to help us identify you, but also to allow us to contact you, for example, for regulatory or service reporting reasons.
  • government identifiers – for example identification document information (driving licence, passport) and National Insurance number.
  • contact information - for example email, address, postcode and phone number.
  • online information – for example cookies and IP address (your computer’s internet address), if you use our websites.
  • financial information –bank account details for any payments you make to us or we make to you.
  • audio or video recordings – for example voice recording when you contact us, or CCTV footage if you visit our offices. Calls may be monitored and recorded for regulatory purposes, such as calls relating to the reception, transmission and execution of investment orders.
  • contractual information – for example details about your products and benefits.
  • third party information – where relevant we will have information such as the executor or power of attorney connected to your investment.
  • written communications – for example emails and letters may be monitored and recorded for regulatory purposes and to ensure we have an accurate record of instructions.

When we collect your information, we’ll let you know if any of it is optional. If it is, we’ll explain why it would be useful to us, and you can decide whether it’s something you’re happy for us to have.

We use any information we obtain directly from you or your adviser or intermediary for a number of reasons. Depending on which category you fit into, we have different processing activities which may be carried out by us directly or trusted third party companies that we use. We use information in the following ways for each category:

3.1. If you are an investor in one of our funds:

  • processing your investment application
  • verifying your identity and preventing fraud
  • fulfilling any legal or regulatory obligations
  • completing any requests you make
  • keeping you updated about your investment with regular reports
  • producing tax reports
  • maintaining a backup of the investment register for business continuity purposes

3.2. If you are an adviser, wealth manager, an employee of an existing or potential institutional client, or are exercising investment control for an institutional client:

  • verifying your identity and preventing fraud
  • fulfilling any legal or regulatory obligations
  • managing the relationship with our institutional or wholesale clients
  • keeping you updated with regular reports
  • monitoring the flow of investments, from the platforms we use to distribute our funds
  • researching our customers’ opinions and exploring new ways to meet their needs
  • assessing and developing our products, systems, prices and brand
  • sending you marketing emails and contacting you by phone about our products and services

3.3. If you are/were a tenant of one of our properties:

  • managing our properties
  • ensuring our properties are properly valued, benchmarked and our accountancy requirements are met
  • insuring our properties
  • in some of our promotional marketing material

3.4. Processing activities that apply to all the people whose personal information we process:

  • recording phone calls if you call one of our recorded lines
  • communicating with you if you are the contact of one of our existing or potential suppliers
  • monitoring the use of our websites.

Most of the information we receive comes directly from you or your financial adviser or intermediary if you have appointed one. We may also get personal information about you from other sources, such as:

  • Tracing companies – if we lose touch with you, we may source information such as contact details so we can get in touch and remind you about your investments.
  • Platforms – some of the Platforms selling our funds send us the breakdown of the flows including names of Independent Financial Advisers.
  • Web search – we may search for contact details over the web (e.g. when searching for Financial Advisers). In this case, we will tell you at first contact where we got your details from.
  • Events list – we also get names through lists of events that we sponsor. In this case, we ask the organiser to only share the contacts that agreed to be contacted.
  • Business intelligence portals – sometimes we get contact details of employees of institutions we’d like to work with from portals that we subscribe to. These portals provide information on industry trends where personal data could be provided (e.g. Financial Clarity).
  • Your employer – when an institution becomes our client, they may have provided your details as the person we contact.
  • Risk & compliance portals – we use information from third-party portals to conduct regulatory checks.
  • ‘Third party’ cookies - to collect information on how visitors use our website. Our cookie policy can give you more information on this.
  • Letting agent – we use letting agents to search for and vet potential tenants. Please refer to their privacy policy for more information.

Data protection gives organisations a number of different conditions to allow us to process your information lawfully.

We’ll only use your personal information when one or more of these conditions has been satisfied. Below you can see how we use your information and the legal grounds for processing this:

Uses of your personal data Legal grounds

Consent

Vulnerability Information

We process your personal data to be able to treat you as a vulnerable customer (if due to personal circumstances you are in a vulnerable position). You may, at your discretion provide us with this type of information on a voluntary basis and based on your consent. 

Cookies

On our website we use ‘third party’ cookies that collect information about how visitors use our website.  Please see our Cookie Policy or further information.

Your personal data may be processed when we receive your consent

The consent you provide must be freely given, informed, specific, unambiguous and given with a positive affirmative action.

Your consent can be withdrawn at any time.

Processing and administering your investment

This covers:

  • Processing your investment application.
  • Managing any changes of personal details such as changes of address or name..
  • Completing any requests you make.
  • Responding to queries or complaints.
  • Keeping you updated about your investment, such as sending you regular statements.

Managing relationships with our institutional clients

If you were appointed as a contact by an institutional client of our, this covers:

  • Contacting you for the effective. performance of our contract.
  • Relationship management.
  • Managing any queries or requests you make.

Manage our properties

If you are a tenant at one of our properties, this covers:

  • Approving and signing tenancy agreements.
  • Overseeing the activities of our Managing Agent who will collect rent and service charges and appoint maintenance to provide service to you.
  • Liaising with valuers and accountants.

Communicating with suppliers

If you work for any of our suppliers, this covers:

  • Contacting you for negotiation of a contract.
  • Contacting you for relationship management purposes.

If we lose touch

We may use a trusted 3rd party to find you and reunite you with your policy.

Necessary for the performance of a contract

The personal data you provide or that of a joint party to the contract may be processed when it is necessary in order to enter into or perform a contract. E.g. where we process your personal data to assess your application, calculate your premium or to provide your policy.

We use your personal data, where necessary, to comply with legal obligations including:

  • Establishing your identity, residence and tax status in order to comply with laws and regulations on taxation and the prevention of money laundering, fraud and terrorist financing.
  • Providing you with statutory and regulatory information and statements.
  • Preparing tax and other returns to regulators and the HM Revenue and Customs and overseas tax authorities.
  • Complying with the requirements of Legal and Regulatory bodies e.g. HM Revenue and Customs, The Financial Conduct Authority, Information Commissioner`s Office, and the Financial Ombudsman`s Service.
  • Keeping proper books and records and risk management governance to ensure the company stays financially sound.
  • Carrying out internal reporting, quality checking, compliance controls and audits to help meet these obligations.
  • Recording phone calls of our employees who work with the reception, transmission and execution of investment orders.
  • Reporting to and, where relevant, conducting searches on industry registers. This includes screening all customers against sanction lists and Politically Exposed Persons lists.
  • Complying with court orders.

Necessary for compliance with a legal obligation

Your Personal data may be processed where Royal London has a legal obligation to perform such processing.
We may disclose your information to the Police or other authorities if we have serious concerns about your wellbeing.

Necessary to protect vital interests

This will usually only apply in 'life‑or-death' scenarios.

In certain cases, and where necessary, the special category data provided may be processed for the following purposes:

  • To defend legal and prospective claims,
  • To pursue legal proceedings or prospective legal proceedings, or

For the purposes of establishing, exercising or defending legal rights.

Necessary to provide legal advice and legal proceedings

The 2018 Data Protection Act provides legal grounds for processing special category data for legal advice and legal proceedings.

 

Necessary for legitimate interests

We also use your personal data when we have a “legitimate interest” and that interest isn’t outweighed by your privacy rights. Each activity is assessed, and your rights and freedoms are taken into account to ensure that we’re not being intrusive or doing anything beyond your reasonable expectation.  We’ll assess the information we need, so we only use the minimum.

If you want further information about processing under legitimate interests, you can contact us using the details below.

You also have the right to object to any processing done under legitimate interests.  We’ll re-assess the balance between our interests and yours, considering your particular circumstances.  If we have a compelling reason, we may still continue to use your personal data.

We use legitimate interests for the following:

Use of your personal data Legitimate interest(s) 

In order to develop and tailor our proposition to specific customer outcomes, we may use information to identify customer groups who are likely to benefit from specific customer research.

We will also obtain feedback and customer research in a number of ways including for new fund launches. We will always take steps to check that you haven`t objected to such contact, e.g. by checking the Telephone Preference Service (TPS).   

Evolving our product and brand proposition

We need to be able to identify gaps in the market and groups of customers who may be interested in any new products or services that we are considering developing.

We need to develop those products and services, and make sure our product charges are fair.

We need to make sure our communications and reporting are easy to understand and or products are distributed to the correct audience.

We need to ensure the results from customer research projects are accurate and reflective of the target market. 
  • We collect and provide service information on your investment.
  • We financially assess the performance of our business, we conduct risk management exercises and we carry out long-term statistical modelling.
  • We manage our network and information security (for example: developing, testing and auditing our websites and other systems, dealing with accidental events or unlawful or malicious actions.)
  • We also use CCTV at our premises.
  • We share your information with Royal London Group and our service providers.
  • Sharing tenant information with our suppliers.
  • Maintain backup of our investment register.
  • Monitor sales flow.

 

To manage our business:

  • To improve our service quality and for training purposes.
  • To help us understand our risks, provide management information and help us to manage our business.
  • To ensure that our systems are always secure and that your data is always protected.
  • To prevent and detect fraud, dishonesty and other crimes (for example, to prevent someone trying to steal your identity).
  • To protect our staff and visitors for health and safety reasons and security purposes.
  • For internal administrative, audit, statistical, or research purposes. Where possible, we will make your data anonymous.  Your data will only be transmitted within the Group and to our service providers when appropriate safeguards, including contractual provisions, are in place.
  • To ensure our properties are  properly valued, benchmarked and all accountancy requirements are met, as well as ensuring adequate insurance cover is in place
  • For business continuity purposes, so we maintain a backup of the holdings and flow of our funds.  It is important we have a plan to ensure a smooth recovery in the event an incident happens to one of our Transfer Agents.
  • If you are an IFA, we may send them your name to our data visualisation provider (this is a tool that allows us to create different graphs and charts for analysis purposes, so we can monitor the flows from and into our funds.

If you are working with us we in launching a new product, we may share your contact information with the other suppliers involved in the same launch.

Launch new products

If you are an Independent Financial Adviser (IFA), wealth manager or work for our existing or potential clients, we could call or send information relating to your products and other products, you or your employer may be interested in. We won`t do this if you have told us not to.

We may source contact information in order to market new products to you or promote brand awareness and benefits of your existing products. We may analyse your personal data to create a profile so that we can contact you with the relevant information.

Sending you marketing electronic communications or calling you to check if you need information about products and services.

We need to ensure our communications are in line with Royal London’s values.

We also need to grow and sustain our business, develop our brand and effectively communicate with our institutions, IFAs and wealth managers.

 

As you’d expect, our employees will access your records in order to use your information for the uses mentioned above. However, only those employees who need access to particular information are given it. We regularly check who has access to our systems.

We may also share your personal information with these categories of third parties:

•Our service providers and agents e.g. transfer agents, mailing houses for printing, offsite storage companies, confidential waste disposal and IT companies who support our technology;

• Our professional advisers: auditors and legal advisers;

• Identity authentication and fraud prevention agencies; one of our transfer agents' uses a credit reference agency, which is currently Experian, to support money laundering checks. Please find Experian’s privacy policy and contact details at https://www.experian.co.uk/consumer/privacy.html 

• HM Revenue & Customs, regulators such as the FCA and other authorities like the Information Commissioner’s Office;

• Any relevant overseas tax authorities;

• UK Financial Services Compensation Scheme;

• Your financial adviser(s) where you have given your authority;

• Organisations that introduce you to us;

• Market research agencies;

• Companies you ask us to share your information with.

We sometimes use third parties located in other countries to provide support services. As a result, your personal information may be processed in countries outside the European Economic Area (EEA).

These services will be carried out by experienced and reputable organisations on terms which safeguard the security of your information and comply with the European data protection requirements. Some countries have been assessed by the EU as being ‘adequate’, which means their legal system offers a level of protection for personal information which is equal to the EU’s protection. Where the country hasn’t been assessed as adequate, the method we have chosen to ensure appropriate standards and processes is through the addition of standard contractual clauses.

The European Commission has recognised ‘standard contractual clauses’ as offering adequate safeguards to protect your rights and we’ll use these where required, ensuring adequate protection for your information. The European Commission approved standard contractual clauses are available here.

We use standard contractual clauses for the below activities, to help us provide:

• IT support and technology development with operations based in India.

• Data visualisation provider (this is a tool that allows us to create different graphs and charts in order to better analyse information) that is based in Australia.

• Other service providers, research partners and administrators.

We always ensure all personal information is provided with adequate protection and all transfers of personal information outside the EEA are done lawfully.

We use Transport Layer Security (TLS) to encrypt and protect email traffic. However if your email service doesn’t support TLS, any emails we send or receive won’t be protected. We recommend you don’t send anything confidential to us by email.

Once we receive your information, we use strict procedures and security features to protect your information from unauthorised access.

We’ll keep your personal information for as long as it’s considered necessary, for the purpose for which it was collected, and to comply with our legal and regulatory requirements. This will involve keeping your information for a reasonable period of time after your investment or your relationship with us has ended.

In the absence of specific legal, regulatory or contractual requirements, any other personal information is kept for our baseline retention period - this is seven years after your investment or lease has ended. In some circumstances we may retain your information for longer. For example we are required by the FCA to keep some pension transfer information indefinitely.

Automated decisions are where a computer makes a decision about you without a person being involved. We do not make automated decisions about you nor profile you.

Your rights are outlined below. The easiest way to exercise any of your rights would be to contact our Data Protection Officer at the contact details provided. We’ll provide a response within 30 days, if not sooner. There’s normally no charge for exercising any of your rights.

Accessing your personal information

You have the right to find out what personal information we hold about you, in many circumstances.

Correcting or adding to your personal information

If any of your details are incorrect, inaccurate or incomplete you can ask us to correct them or to add information.

Data portability

In some circumstances you can ask us to send an electronic copy of the personal information you have provided to us, either to you or to another organisation.

Objecting to the use of your personal information for legitimate interest

You also have the right to object to any processing done under legitimate interest. We’ll re-assess the balance between our interests and yours, considering your particular circumstances. If we have a compelling reason we may still continue to use your information.

Objecting to direct marketing

You have a specific right to object to our use of your information for direct marketing purposes, which we will always act upon.

Restricting the use of your personal information

If you are uncertain about the accuracy or our use of your information, you can ask us to stop using your information until your query is resolved. We will let you know the outcome before we take any further action in relation to this information.

Right to Erasure

You can ask us to delete your personal information in some circumstances, such as if you no longer invest with us and we do not need to keep your information for legal or regulatory reasons. If we are using consent to process your information and you withdraw it, you can ask us to erase your information.

If you are unhappy with how we’re using your information, you have the right to complain to the Information Commissioner’s Office. However, we’d encourage you to contact us first, so we can have the opportunity to deal with your concerns.

The United Kingdom’s Information Commissioner’s Office can be contacted by:

Visiting their website www.ico.org.uk

Telephone: 0303 123 1113

Write to: Information Commissioner`s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF

If we want to use your personal information for a new purpose which we haven’t previously told you about, we’ll contact you to explain the new use of your information. We’ll set out why we’re using it and our legal reasons.

Making sure that we keep you up to date with privacy information is a continuous responsibility and we keep this notice under review. We’ll update our notice as changes are required.

This privacy notice was last updated on 19 March 2024.

If you have any questions or comments regarding this privacy notice, or if you’re not happy with the way we use your information, please contact us using the details below.

By post:

Data Protection Officer
Royal London Group 
Royal London House 
Alderley Park 
Congleton Road 
Nether Alderley 
Macclesfield SK10 4EL

By email: GDPR@royallondon.com
Terms and conditions

Terms and conditions

You are about to enter our website for individual investors in the UK. If you would like to change website, go back to our homepage.

Please read the terms and conditions before proceeding.

Last modified: 14 January 2025

Website terms of use

These terms and conditions of use, together with the documents we refer to in it, (“Terms and Conditions”) govern your use of this website which is located at www.rlam.com (“Website”). Use of this Website includes accessing, browsing, or purchasing products or services on it.

Please read these Terms and Conditions carefully before you start to use this Website, as these will apply to your use of this Website. We recommend that you print a copy of these Terms and Conditions for future reference.

By using this Website, you confirm that you accept these Terms and Conditions and that you agree to comply with them.

Other applicable Terms and Conditions

The following additional terms of use also apply to your use of this Website:

  • Our Privacy Policy, which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using this Website, you consent to such processing and you warrant that all data provided by you is accurate.
  • Our Cookie Policy, which sets out information about the cookies on this Website.

If you purchase products or service from a company within our group of companies (“Royal London Group”), that purchase may also be subject to terms and conditions applicable to that product or service. If these Terms and Conditions conflict with any product or service-related terms and conditions, then the relevant product or service-related terms and conditions shall prevail.

Information about us

This Website is a site operated by Royal London Asset Management Limited (“Royal London Asset Management Limited”, “we”, “us” or ”our”). We are registered in England and Wales under company number 02244297 and have our registered office at 80 Fenchurch Street, London, EC3M 4BY, United Kingdom. In these Terms and Conditions, references to us apply also to companies in the Royal London Group. Details of the companies that are part of the Royal London Group, including The Royal London Mutual Insurance Society Limited, can be found here.

We are authorised and regulated by the Financial Conduct Authority. Our firm reference number is 141665. You can check this on the Financial Services Register.

The Royal London Group’s registered VAT number is 368 5244 27.

Changes to these Terms and Conditions

We may revise these Terms and Conditions at any time by amending this page. When we post changes to these Terms and Conditions, we will revise the 'Last modified' date at the top of this page.

Please check this page from time to time to take notice of any changes we make, as they are binding on you.

Changes to this Website

We may update this Website from time to time, and may change the content at any time. However, please note that any of the content on this Website may be out of date at any given time, and we are under no obligation to update it.

We do not guarantee that this Website, or any content on it, will be free from errors or omissions.

Accessing this Website

This Website is made available free of charge.

We do not guarantee that this Website, or any content on it, will always be available or be uninterrupted, or that this Website will be secure or free from bugs or viruses. Access to this Website is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of this Website without notice. We will not be liable to you if for any reason this Website is unavailable at any time or for any period.

You are responsible for making all arrangements necessary for you to have access to this Website.

You are also responsible for ensuring that all persons who access this Website through your internet connection are aware of these Terms and Conditions and other applicable terms and conditions, and that they comply with them.

Use of this Website

This Website is not intended for distribution to, or use by, any person in a country where such distribution, or use, would be contrary to local laws or regulations. You agree to use the Website only for lawful purposes and in a way which does not infringe the rights of anyone else or restrict or inhibit anyone else's use and enjoyment of the Website. Website content must not be copied or reproduced, modified, redistributed, used or otherwise dealt with for any other reason without our express written permission. You are not entitled to use the content of the Website for commercial exploitation in any circumstances.

This Website is made available to, and is provided for, the benefit of persons and corporate entities that meet the criteria listed below only. This Website is not for the use of, or directed at, any person in the United States of America or Hong Kong. It is not made available to, or for the benefit of, US Persons (as defined in US securities laws) in any jurisdiction.

Information on this Website is issued into the European Economic Area by FundRock Distribution S.A. (“FRD”), the EU distributor for Royal London Asset Management Limited. FRD is a public limited company, incorporated under the laws of the Grand Duchy of Luxembourg, with registered office at Airport Center Building, 5, Heienhaff, L-1736 Senningerberg, Luxembourg and registered with the Luxembourg trade and companies register under number B253257 with authorisation of establishment number 07/21 under the law of 5 April 1993, as updated from time to time. FRD is authorised and regulated by the Commission de Surveillance du Secteur Financier (“CSSF”).

For investors in the United Kingdom:

Information on this Website is made available to investors based in the UK except those classified as US Persons.

For investors in Austria, Belgium, Denmark, France, Germany, Italy, the Netherlands, Norway, Sweden and Portugal:

If you are not able to access this Website according to the criteria in this paragraph, or you do not understand if you fulfil the relevant criteria, you must not agree to these Terms and Conditions. This information is made available solely to persons that meet the criteria of “Professional Investor”, or are authorised as a financial intermediary or investment manager by your financial regulator. If you do not meet these criteria, you may not proceed any further and must leave this Website.  For the avoidance of doubt, the information contained on this Website is not available to the general public.

By entering this Website, you confirm that you meet the entry criteria described above according to the laws and regulations of your home state country and regulator.

For investors in Canada:

If you are not able to access this Website according to the criteria in this paragraph, or you do not understand if you fulfil the relevant criteria, you must not agree to these Terms and Conditions. This Website is directed at Accredited Investors and Permitted Clients (as defined in Canadian securities laws) in Canada only and is not directed at members of the public. This Website is not, and under no circumstances is to be construed as, an advertisement or a public offering in Canada. No Securities Commission or similar authority in Canada has reviewed, or in any way passed comment, upon this Website or the merits of the content herein, and any representation to the contrary is an offence.

By entering this Website, you confirm that you meet the entry criteria described above according to the laws and regulations of Canada.

For investors in Singapore:

If you are not able to access this Website according to the criteria in this paragraph, or you do not understand if you fulfil the relevant criteria, you must not agree to these Terms and Conditions. This Website is provided exclusively for the use and information of Institutional Investors (as defined in the Securities and Futures Act (Singapore Statute Cap. 289)) in Singapore only.

By entering this Website, you confirm that you meet the entry criteria described above according to the laws and regulations of Singapore.

For investors in Australia:

We are exempt from the requirement to hold an Australian financial services licence under the Corporations Act (as a result of the operation of ASIC Class Order 03/1099, as amended by the ASIC Corporations (Repeal and Transitional) Instrument 2016/396, and extended by the ASIC Corporations (Amendment) Instrument 2020/200) in respect of the financial services we provide to wholesale clients in Australia and are regulated by the Financial Conduct Authority under English laws which differ from Australian laws.

By entering this Website, you confirm that you are a wholesale investment professional, and meet the requirements to categorise yourself as such, according to the laws and regulations of Australia.

For investors in Switzerland:

If you are not able to access this Website according to the criteria in this paragraph, or you do not understand if you fulfil the relevant criteria, you must not agree to these Terms and Conditions. This Website is provided exclusively for use by, and for the information of, Professional investors (as defined in The Federal Financial Services Act).

By entering this Website, you confirm that you meet the entry criteria described above according to the laws and regulations of Switzerland.

Your account and password

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.

We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms and Conditions.

If you know, or suspect, that anyone other than you knows your user identification code or password, you must promptly notify us.

You instruct us to accept as genuine and duly authorise any instruction placed using your identification code and password. Unless you advise us that your identification code and password have been compromised, any instruction using them will be deemed valid.

Intellectual property rights

The Royal London Mutual Insurance Society Limited and/or its subsidiary companies is/are the owner or the licensee of all intellectual property rights in this Website, and in the material published on it. 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 and you may draw the attention of others within your organisation to content posted on this Website.

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 illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

The status (and that of any identified contributors) of The Royal London Mutual Insurance Society Limited and/or its subsidiary companies/another company in the Royal London Group as the authors of content on this Website must always be acknowledged.

If you print off, copy or download any part of this Website in breach of these Terms and Conditions, 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.

No reliance on information

The content on this Website is provided for general information only. It is not intended to amount to financial or other professional advice on which you should rely. You must obtain financial or other professional advice if you require it before taking, or refraining from, any action on the basis of the content on this Website.

Although we make reasonable efforts to update the information on this Website, we make no representations, warranties or guarantees, whether express or implied, that the content on this Website is accurate, complete or up-to-date.

Limitation of our liability

Nothing in these Terms and Conditions excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by applicable law.

To the fullest extent permitted by law, we exclude all conditions, warranties, representations, or other terms which may apply to this Website or any content on it, whether express or implied.

We will not be liable to any Website user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

  • use of, or inability to use, this Website; or
  • use of or reliance on any content displayed on this Website.

If you are a business user, please note that in particular, we will not be liable for:

  • loss of profits, sales, business, or revenue;
  • business interruption; 
  • loss of anticipated savings; 
  • loss of business opportunity, goodwill or reputation; or 
  • any indirect or consequential loss or damage.

If you are a consumer user, please note that we only provide this Website for domestic and private use. You agree not to use this Website for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity. We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of this Website or to your downloading of any content on it, or on any website linked to it.

This Website may contain links to other websites. We assume no responsibility for the content of websites linked on this Website. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.

Different limitations and exclusions of liability will apply to liability arising as a result of the supply of any products or services by us to you, which will be set out in the relevant product or service terms and conditions.

If, notwithstanding the other provisions of these Terms and Conditions, we are found to be liable to you for any damage or loss (including through negligence) which arises in any way out of, or is in any way connected with, your use of this Website, any content or service, our liability (save as prohibited by applicable law) shall in no event exceed the greater of the total of any amounts paid by you to us in relation to the part of this Website, content, product or service to which the claim relates in the six (6) months prior to the date of the initial claim and £100.00.

Viruses, hacking and other offences

You are responsible for configuring your information technology, computer programs and platform in order to access this Website. You should use your own virus protection software.

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 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 programs, 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.

Linking to this Website

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

You must not establish a link to this Website in any website that is not owned by you.

This Website must not be framed on any other website, nor may you create a link to any part of this Website other than the home page.

We reserve the right to withdraw linking permission without notice.

Third party links and resources in this Website

Where this Website contains links to other websites and resources provided by third parties, these links are provided for your information only.

We have no control over the contents of those websites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.

FTSE indices terms of use

We, and/or the Royal London Group, use indices of FTSE (“FTSE Indices”).The Funds have been developed solely by us. The Funds are not in any way connected to, or sponsored, endorsed, sold or promoted by, the London Stock Exchange Group plc and its group undertakings (collectively, the “LSE Group”). FTSE Russell is a trading name of certain of the LSE Group companies.

All rights in the FTSE Indices vest in the relevant LSE Group company which owns the FTSE Index. “FTSE®” is a trademark of the relevant LSE Group company and is used by any other LSE Group company under license.

The FTSE Index is calculated by, or on behalf of, FTSE International Limited or its affiliate, agent or partner. The LSE Group does not accept any liability whatsoever to any person arising out of (a) the use of, reliance on or any error in, the FTSE Index or (b) investment in, or operation of, the Funds. The LSE Group makes no claim, prediction, warranty or representation either as to the results to be obtained from the Funds, or the suitability of the FTSE Index for the purpose to which it is being put by Royal London Asset Management Limited.

JP Morgan indices terms of use

We, and/or the Royal London Group,  use indices of JP Morgan (“JP Morgan Index”). Information has been obtained from sources believed to be reliable, but J.P. Morgan does not warrant its completeness or accuracy. The JP Morgan Index is used with permission. The JP Morgan Index may not be copied, used, or distributed without J.P. Morgan's prior written approval. Copyright 2018, J.P. Morgan Chase & Co. All rights reserved.

Barclays and Bloomberg indices terms of use

We, and/or the Royal London Group, use indices of Bloomberg and Barclays (“Bloomberg and Barclays Indices”). BLOOMBERG® is a trademark and service mark of Bloomberg Finance L.P. and its affiliates (collectively “Bloomberg”). BARCLAYS® is a trademark and service mark of Barclays Bank Plc (collectively with its affiliates, “Barclays”), used under license. Bloomberg or Bloomberg’s licensors, including Barclays, own all proprietary rights in the Bloomberg and Barclays Indices. Neither Bloomberg nor Barclays approves or endorses this material, or guarantees the accuracy or completeness of any information herein, or makes any warranty, express or implied, as to the results to be obtained therefrom and, to the maximum extent allowed by law, neither shall have any liability or responsibility for injury or damages arising in connection therewith.

MSCI indices terms of use

We, and/or the Royal London Group, use indices of MSCI (“MSCI Indices”). The Funds are not sponsored, endorsed, sold or promoted by MSCI INC. (“MSCI”), any of its affiliates, any of its information providers or any other third party involved in, or related to, compiling, computing or creating any MSCI Index (collectively, the “MSCI Parties”). The MSCI Indexes are the exclusive property of MSCI. MSCI and the MSCI Index names are service mark(s) of MSCI or its affiliates and have been licenced for use for certain purposes by the Royal London Mutual Insurance Society Limited and/or its subsidiary companies. None of the MSCI Parties makes any representation or warranty, express or implied, to the issuer or owners of the Funds or any other person or entity regarding the advisability of investing in funds generally, or in the Funds particularly, or the ability of any MSCI Index to track corresponding stock market performance. MSCI or its affiliates are the licensors of certain trademarks, service marks and trade names and of the MSCI Indexes which are determined, composed and calculated by MSCI without regard to the Funds or the issuer or owners of the Funds or any other person or entity.

None of the MSCI Parties has any obligation to take the needs of the issuer or owners of the Funds or any other person or entity into consideration in determining, composing or calculating the MSCI Indexes. None of the MSCI Parties is responsible for, or has participated in, the determination of the timing of, prices at, or quantities of the Funds to be issued, or in the determination or calculation of the equation by, or the consideration into, which Funds are redeemable. Further, none of the MSCI Parties has any obligation or liability to the issuer or owners of the Funds or any other person or entity in connection with the administration, marketing or offering of the Funds.

Although MSCI shall obtain information for inclusion in, or for use in the calculation of, the MSCI Indexes from sources that MSCI considers reliable, none of the MSCI Parties warrants or guarantees the originality, accuracy and/or the completeness of any MSCI Index or any data included therein. None of the MSCI Parties makes any warranty, express or implied, as to results to be obtained by the issuer of the Funds, the owners of the Fund, or any other person or entity, from the use of any MSCI Index or any data included therein. None of the MSCI Parties shall have any liability for any errors, omissions or interruptions of, or in connection with, any MSCI Index or any data included therein. Further, none of the MSCI Parties makes any express or implied warranties of any kind, and the MSCI Parties hereby expressly disclaim all warranties of merchantability and fitness for a particular purpose, with respect to each MSCI Index and any data included therein. Without limiting any of the foregoing, in no event shall any of the MSCI Parties have any liability for any direct, indirect, special, punitive, consequential or any other damages (including lost profits) even if notified of the possibility of such damages.

ICE indices terms of use

We, and/or the Royal London Group, use indices of ICE Data LLC (“ICE Data Indices”). ICE Data Indices are used with permission.

ICE Data LLC, its affiliates and their respective third-party suppliers, disclaim any and all warranties and representations, express and/or implied, including any warranties of merchantability or fitness for a particular purpose or use, including the ICE Data Indices, index data and any data included in, related to, or derived therefrom. Neither ICE Data LLC, its affiliates nor their respective third party suppliers shall be subject to any damages or liability with respect to the adequacy, accuracy, timeliness or completeness of the ICE Data Indices or the index data or any component thereof, and the ICE Data Indices and index data and all components thereof are provided on an “as is” basis and Royal London Mutual Insurance Society Limited’s use is at its own risk. ICE Data LLC, its affiliates and their respective third-party suppliers do not sponsor, endorse, or recommend Royal London Mutual Insurance Society Limited and/or its subsidiary companies, or any of its products or services.

Sterling Overnight Index Average (SONIA) terms of use

Source: BofE

The “SONIA” mark is used under licence from the Bank of England (the benchmark administrator of SONIA), and the use of such mark does not imply or express any approval or endorsement by the Bank of England. “Bank of England” and “SONIA” are registered trademarks of the Bank of England.

General

If we fail at any time to insist upon strict performance of any of your obligations under these Terms and Conditions, or if we fail to exercise any of the rights or remedies to which we are entitled under these Terms and Conditions, this shall not constitute a waiver of such rights or remedies and shall not relieve you from compliance with such obligations.

You agree that no joint venture, partnership, employment, or agency relationship exists between you and us as a result of these terms of use or use of this Website.

Nothing in these Terms and Conditions shall confer, or is intended to confer, on any person or corporation that is not party to these Terms and Conditions any benefit or the right to enforce any term of these Terms and Conditions.

The headings will not form part of these Terms and Conditions and will not affect their interpretation.

If any provision of these Terms and Conditions is held to be invalid or unenforceable, such provision shall be struck out and the remaining provisions shall remain in full force and effect.

Applicable law

If you are a consumer, please note that these Terms and Conditions, their subject matter and formation, are governed by English law. You and we both agree that the courts of England and Wales will have non-exclusive jurisdiction. However, if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.

If you are a business, these Terms and Conditions, their subject matter and formation (and any non-contractual disputes or claims), are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.

 

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