The pages of this website are prepared and issued in the country of domicile to which you agreed on entry to it, and are intended for the information and use by residents of that country only.
You should read our Copyright, Legal and Privacy statements carefully as you will be legally bound by them. We reserve the right to amend these statements at any time and to notify you by posting an updated version of the statements on this website. You will be deemed to have accepted the amendments by continuing to use this website.
1.1 Unless otherwise indicated, Scottish Widows Investment Partnership Limitedor Scottish Widows Plc is the owner of the copyright and all other intellectual property rights (existing anywhere in the world) in this website, its pages, the screens displaying the pages, the information and material therein and the arrangement thereof.
1.2 The Scottish Widows Investment Partnership logo and images are registered trademarks of Scottish Widows plc or Scottish Widows Investment Partnership Limited.
1.3 This website may not be reproduced or adapted in whole or in part without the prior consent of Scottish Widows Investment Partnership , except for the purpose of accessing our products and/or services and for producing print outs for your own personal records.
33 Old Broad Street,
London, EC2N 1HZ, UK.
Authorised and regulated in the UK by the Financial Services Authority, register no. 193707.
33 Old Broad Street.
London, EC2N 1HZ, UK.
Authorised and regulated in the UK by the Financial Services Authority, register no. 455821.
Company No. 406604.
33 Old Broad Street,
London, EC2N 1HZ, UK.
Authorised and regulated in the UK by the Financial Services Authority, register no. 122135
Scottish Widows Investment Partnership SWIP Multi-Manager Funds Limited and SWIP Fund Management Limited are part of Lloyds Banking Group.
The FSA register can be accessed at www.fsa.gov.uk.
Complaints concerning the operation or marketing of the relevant Company or any Fund should first of all be referred to the appropriate Company :-
Scottish Widows Investment Partnership Limited or SWIP Multi-Manager Funds Limited or SWIP Fund Management Limited.
Telephone: 0800 33 66 00
The Complaint Management Procedure will be available by writing to the above address.
All complaints will be investigated and, if a complaint is not resolved within 8 weeks after its receipt at the above address, we will inform the complainant that we have been unable to reach an agreement and, if the complaint is about a matter covered by the Financial Ombudsman Service, details of this service will be provided to the complainant.
The Financial Ombudsman Service will normally only consider a complaint after having given the Company the opportunity to resolve the complaint to the satisfaction of the customer.
The address for the Financial Ombudsman is:-
South Quay Plaza
183 Marsh Wall
The following clauses exclude or limit our legal liability for this site. You should read them carefully. They all apply only as far as the law permits, and in particular we do not intend to affect our duties and liabilities to you under the Financial Services and Markets Act 2000, or the rules and regulations for the conduct of business under this Act.
4.1 The information contained within this website does not constitute financial, professional or investment advice.
4.2 This website is provided as a service by us and all information provided on this site is subject to change at any time. If you are in any doubt as to the information provided on the site, we recommend that you contact us directly or obtain independent financial advice prior to acting in reliance upon the information.
4.3 Whilst we have taken every reasonable care in the preparation of the content of this website, we do not accept any liability for any error or omission. Nor do we accept any liability for any errors in data transmission, software, operating error or any other cause. Nor do we make any representations as to the availability, suitability, reliability or otherwise of this website or do we accept any liability for any loss whatsoever arising out of your use of this website.
4.4 All figures appearing on the website are for illustration purposes only. The completeness or accuracy of figures are not guaranteed and we do not accept any liability for any error or omission.
4.5 This website may contain material produced by third parties and links to other websites. These links and material are provided for general information purposes only and the sites concerned are not endorsed or promoted by us in any way. We do not accept liability in relation to any materials on websites that are not under our direct control.
4.6 We cannot guarantee that any email sent to us will be received or that the contents of the email will remain confidential during internet transmission.
4.7 Any dispute arising from the use or content of this website shall be subject to the Laws of Scotland.
5.1 We know how important it is to protect your personal data. When we ask for any personal data, or give you the opportunity to supply such data, it is solely to provide the service or information you have requested.
5.2 We do not give personal data to third parties, unless required to do so by law or as you may otherwise consent, but we may share it within our company and within the Lloyds Banking Group. This may include our employees, agents, contractors and sub-contractors.
5.3 We may change our privacy policies from time to time, in which case we will post the changes on this page so that you are always aware of our policies.
5.4 In addition to any personal data supplied by you, we may collect the following information:
(a) Site visits. We collect information on the pages you access. This is then used to help us develop the design and layout of our sites. This includes information on the relative popularity of each page, the average number of pages accessed, the number of e-mails sent or files downloaded, and the average time spent on the site. None of this information is linked back to you as an individual.
(b) E-mail addresses. If you supply an e-mail address to us, it is kept in confidence and used solely to answer your enquiry or to comply with your request. We retain the content of the form or e-mail, the e-mail address and our response. This enables us to retain an audit trail of our contact and provide you with the product, service or information you may have requested.
(c) Cookies: Cookies are small amounts of information that are stored on your computer to enable our server to collect certain information from your web browser. Cookies in themselves do not identify the individual, just the computer used. Cookies and other similar technology make it easier for you to log on to and use the Website during future visits. Our cookies are used to keep track of your online session, they are maintained throughout multiple sessions on the site. Our cookies do not collect any personal identifying information or confidential information such as passwords or policy numbers. Most web browsers automatically accept cookies, although you can choose not to accept them. By doing so, some parts of our website will not function as designed. You can change the settings on your browser so you will be given a warning before cookies are used, along with the option to use them or not, or you can disable cookies as follows:
Allowing us or a third party to create a cookie does not give us access to your computer. Cookies are read only by the server that placed them, and are unable to execute any code or virus.
We accept no responsibility or liability for the security of personal information transmitted via the Internet.
If you access any third party websites using the links provided, the operators of these third party websites may collect information from you which will be used by them in accordance with their privacy policies, which may differ from ours.
You are responsible for reviewing and abiding by the privacy policies and website terms and conditions of any such third party websites.
(d) Third party advertising cookies: some of the cookies used on this site are generated by third parties. In this case Audience Science. Third parties generate their own "anonymous cookies". These third party cookies cannot be used to identify an individual user, but are used, for example, in providing you with advertisements that are more relevant to your interests when you then visit sites that also use Audience Science as a technology.
The companies that generate these cookies have their own, very strict, privacy policies. Whilst we allow them to be served, we don't have access to these cookies and accept no liability for them (although we may use statistical information arising from these third party cookies and provided to us by third parties, to improve the targeting of advertisements to users).
If you do not wish to have a third party cookie on your browser placed by Audience Science, then please click on the following the link. This will launch a PDF that will allow you to opt-out of third party tracking. http://www.audiencescience.com/docs/nai.pdf
(e) Online Advertising. Scottish Widows Investment Partnership uses pixels, or transparent GIF files, to help manage online advertising. These GIF files are provided by our ad management partner, Flash Talking. These files enable Flash Talking to recognise a unique cookie on your Web browser, which in turn enables us to learn which advertisements bring users to our website. The cookie is placed by us, or by another advertiser who works with FlashTalking. With both cookies and Spotlight technology, the information that we collect and share is anonymous and not personally identifiable. It does not contain your name, address, telephone number, or email address. For more information about Flash Talking, including information about how to opt out of these technologies, go to http://www.flashtalking.com/
5.5 Data Protection Act 1998: We are obliged to comply with the Data Protection Act 1998. Under this Act you are entitled to request a copy of the information we hold about you and if the details are inaccurate, you may request that we amend them. You should do so by writing to: Scottish Widows Investment Partnership Limited, Edinburgh One, Morrison Street, Edinburgh, EH3 8BE, UK. Please note, under the Act we are entitled to charge a fee for any such request.
5.6 Third party websites are not covered by our privacy policies.