Terms and Conditions

We recognise that personal information you provide to us must be stored and handled in a safe and secure manner in order to ensure that it remains confidential.

On 25 May 2018 the law changed to give you enhanced rights over your personal data. We updated our privacy notice to clearly explain how we protect your data and how your enhanced rights apply from 1 January 2021, when UK GDPR became applicable. To read the latest version

Equally, you can help us protect your confidential information by ensuring you take sensible steps to protect your information, both on and offline. For some helpful tips on maintaining your privacy go to the security page of our website.

Investment risk warning

The value of investments can fall as well as rise and any income from them is not guaranteed and you may get back less than you invested. Past performance is not a guide to future performance.

We does not provide investment advice. If you are in any doubt as to the risk or suitability of an investment or product you should seek advice from an independent financial adviser.

The extent and value of any ISA tax advantages or benefits will vary according to the individual’s circumstances. The levels and bases of taxation may also change.

The extent and value of any SIPP tax advantages or benefits will vary according to the individual’s circumstances. The levels and bases of taxation may also change. If your options change regarding an employer’s pension scheme you may wish to review your financial situation. Once in a pension your money is only accessible, in general, from age 55.

The extent and value of any Lifetime ISA tax advantages or benefits will vary according to the individual’s circumstances. The government bonus may also change. Once in the LISA your money is only accessible, in general, when you buy your first home or at age 60.