You must read the following information before proceeding. It provides information on some of the laws and regulations applicable to this web site.
Information on this site is intended only for the use of Independent Financial Advisors (IFAs) and other professionally recognised financial intermediaries. Whilst the information available on this site may be used by IFAs to make recommendations to their clients, it is not intended for direct use by members of the public. Should you proceed to access this site, you will be representing and warranting that you are an IFA or other professionally recognised financial intermediary.
We may record telephone calls for our mutual protection and to improve customer service.
The investment products available through this web site are only available to UK residents and by proceeding this far you are representing and warranting that you are resident for tax and investment purposes in the United Kingdom. What follows is not an offer or invitation to acquire an investment to, and should therefore not be relied upon by, any person anywhere other than the United Kingdom or any person in any jurisdiction where such an offer or invitation would be unlawful. Persons in respect of whom such prohibitions apply must not access this web site.
This web site is reserved exclusively for non-US persons and should not be accessed by any person in the United States. In case of doubt, please see the end of this document for a definition of "US Person".
Where access to any part of this web site is restricted or requires possession of a valid password, no other person should attempt to gain access to such part of the web site. Any prices and other information on this web site are provided solely to enable you to make your own investment decisions and do not constitute personal recommendations or advice.
The "reasons for recommendation" found within this site are provided for IFAs to copy onto client files to act as a reminder of product features and the reasons why a particular product was recommended. The "client report" paragraphs provided on this site are to assist IFAs in writing client recommendation reports. These are only suggestions for some of the more typical investment scenarios and will often need to be adapted to specific investor requirements. In all cases the IFA concerned will be responsible for the content of the client files and the client reports and the compliance of these with their regulatory body(ies). None of the information contained on this site constitutes personal recommendations nor advice. Product details should always be read in conjunction with the appropriate brochure, Terms and Conditions and Key Features, all of which are available on site.
WE BELIEVE THAT THE INFORMATION WHICH MAY BE VIEWED ON THIS WEB SITE IS ACCURATE AS AT THE DATE OF PUBLICATION, BUT WE DO NOT GUARANTEE THE ACCURACY OR CURRENTNESS OF THE DATA AND WE DISCLAIM ALL REPRESENTATIONS AND WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY, FITNESS FOR PARTICULAR PURPOSES, TITLE AND NON-INFRINGEMENT. (IN PARTICULAR, THE INVESTMENT TRUST PRICE DATA CONTAINED ON THIS WEB SITE IS PROVIDED NOT BY US BUT BY TRUSTNET AND THE ASSOCIATION OF INVESTMENT TRUST COMPANIES AND THE UNIT TRUST AND OEIC PRICE AND PERFORMANCE DATA PROVIDED BY TRUSTNET). FURTHERMORE, THE INFORMATION MAY BE AMENDED BY US AT ANY TIME WITHOUT NOTICE. BY PROCEEDING YOU AGREE TO THE EXCLUSION BY US, SO FAR AS THIS IS PERMITTED UNDER THE PROVISIONS OF THE UK FINANCIAL SERVICES AND MARKETS ACT (OR ANY REPLACEMENT LEGISLATION INSOFAR AS SUCH LEGISLATION PERMITS SUCH A STATEMENT TO BE MADE) AND THE APPLICABLE UK REGULATORY SYSTEM, OF ANY LIABILITYFOR ANY DIRECT, INDIRECT, PUNITVE, CONSEQUENTIAL, INCIDENTAL, SPECIAL OR OTHER DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, REVENUE OR DATA ARISING OUT OF OR RELATING TO YOUR USE OF AND OUR PROVISION OF THIS SITE AND CONTENT REGARDLESS OF THE FORM OF ACTION, WHETHER BASED ON CONTRACT, TORT (NEGLIGENCE), WARRANTY, STATUTE OR OTHERWISE, AND REGARDLESS OF WHETHER WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THIS SITE, OR OF THIS IMPORTANT INFORMATION, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF THIS SITE.
You should be aware that the internet is not a completely reliable transmission medium. We shall not have any liability for any data transmission errors such as data loss or damage or alteration of any kind, including, but not limited to, any direct, indirect or consequential damage, arising out of the use of the services provided herein.
Messages that you send to us by e-mail may not be secure. We recommend that you do not send any confidential information to us by e-mail. If you choose to send any confidential information to us via e-mail you do so at your own risk with the knowledge that a third party may intercept this information. Instructions sent by you via e-mail and to the Site are processed exclusively at your risk.
An application for any of the investment products on this site should be made having read fully not only the relevant application form, but also, for UK investors, the relevant terms and conditions of the key features document, prospectus, and latest annual or semi-annual report applicable to the chosen product. All these relevant documents can be found on this web site. It is your responsibility to review such documentation and in any event by making an On-Line ISA Application you will be deemed to be representing that you have read such applicable documentation and agree to be bound by its contents.
Our affiliates, officers and/or employees may have holdings in Cirilium investment products and may otherwise be interested in transactions that you effect in those products.
Past performance is not a guide to future performance. The value of an investment and the income from it can fall as well as rise and you may not get back the amount originally invested. Tax assumptions and reliefs depend upon an investor’s particular circumstances and may change if those circumstances or the law change.
If you are unsure about the meaning of any information provided on this web site, then please consult your financial or other professional adviser. We do not offer investment advice.
Otherwise than as specifically set out, the information on this web site must in no circumstances be copied, reproduced or redistributed in whole or in part. You may download or print copies of some of the documentation contained on this web site for your own private use only, provided that you do not change any copyright, trademark or other proprietary notices. All intellectual and other property information contained in this web site shall continue to be held by us and no rights of any kind in it shall pass to you.
This web site may contain or be linked to advice or statements of third parties. We make no representation as to the accuracy, completeness, timeliness or suitability of such information, and we have not and will not review or update such information and caution you that any use made of such information is at your own risk. Some of the information contained on this web site may also have been prepared or provided by third parties and may not have been verified by us. We hereby exclude any liability arising out of any preparation or provision of such information for the web site and makes no warranty as to the accuracy, suitability or completeness of any such information.
This web site is governed by the laws of England. On-line ISA Applications will also be governed by English law.
This Important Legal Information may be updated from time to time. You will be advised within this site of the last date on which any updates have been made. If you choose to bookmark pages within the web site for future use, you agree that it is your responsibility to check if any such updates have been made since you last visited this web site.
In general, you may visit this web site without revealing any information about yourself. Our servers collect the domain names of visitors and this data is only held for the period you are logged onto the web site. This information is anonymous and we aggregate it to measure the use of and to improve the content of our web site.
We will, however, retain and use all personal information (for example name, e-mail address and your financial details) that you provide to us via this web site, including for example, when you request a brochure, or apply for an ISA.
Use of Your Personal Data
- To help with “web analytics”, the anonymous measurement of visits to this site so that we at Henderson and our agents can analyse what content and functionality is popular and useful, how our site is performing, with the aim of continually improve it. The industry standard software we use for our web analytics is provided by Adobe (Adobe Omniture SiteCatalyst) and Google (Google Analytics).
By continuing without disabling cookies we will assume that you are happy to receive them for the two purposes outlined above. If you would like to change your cookie settings please use the following links:
You have the right, at any time, to access and correct your personal information and privacy preferences or request to be removed from our mailing lists by writing to us at Cirilium, 201 Bishopsgate, London EC2M 3AE.
We may record telephone calls for our mutual protection and to improve customer service.
This web site may contain links to other sites. We are not responsible for the content or privacy practices of those other sites.
A "US Person" is: any natural person resident in the United States ("US"); or a corporation or partnership incorporated or organised in the US, but excluding an offshore branch or agency of a US person that operates for valid business reasons and is engaged and regulated as an insurance company or bank; or a branch or agency of a foreign entity located in the US; or a trust of which the trustee is a US person, unless a non-US person has or shares investment discretion; or an estate of which a US person is the executor or administrator, unless the estate is governed by foreign law and a non-US person has or shares investment discretion; or a non-discretionary account held for the benefit of a US person; or a discretionary account held by a US dealer or fiduciary, unless held for the benefit of a non-US person; or any entity organised or incorporated for the purposes of evading US securities laws.