Terms and conditions

These terms and conditions) (together with the documents referred to therein) set out the terms of use on which you may make use of our website (the "Site"). For the avoidance of doubt, "use" of the Site includes, without limitation, accessing, browsing or registering to use our Site.

Use of this Site is offered to you on condition of your acceptance, without modification, of the Terms and Conditions (defined below). By using the Site, you confirm that you agree to be bound by these terms and conditions and any additional terms which are set out on the Site including, but not limited to, the Privacy Policy and Cookie Policy as amended by us from time to time (collectively, the "Terms and Conditions").

If you do not accept the Terms and Conditions, then please do not use the Site.

We may amend the Terms and Conditions, without notice, at any time. Please check this page from time to time to take notice of any changes, as any use of the Site after such amendments have been made shall be treated as signifying your acceptance of the applicable Terms and Conditions at the time you access the Site.

Information About Us

The Site is operated by Legal & General Investment Management Limited.

Throughout the Terms and Conditions, unless expressly stated otherwise, references to "Legal & General", "We" or "Us" shall mean all of the companies mentioned below.
The following companies are all authorised and regulated by the Financial Conduct Authority:

Legal & General Investment Management Limited ("LGIM"), a company incorporated in England & Wales (Registered No. 2091894) and entered on the Financial Services Register number 119272.

LGV Capital Limited ("LGV"), a company incorporated in England & Wales (Registered No. 02091268) and entered on the Financial Services Register number 121912.
Legal & General Property Partners (Operator) Limited, a company incorporated in England & Wales (Registered Number 05522016) and entered on the Financial Services Register number 447041.

LGIM Corporate Director Limited, a company incorporated in England & Wales (Registered No. 07105051) and entered on the Financial Services Register number 518241.
The following company is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority:
Legal & General Assurance (Pensions Management) Limited ("PMC"), a company incorporated in England & Wales (Registered No. 01006112) and entered on the Financial Services Register number 202202.

Each of these companies is entered on the Financial Services Register which you can rectify by visiting the Financial Conduct Authority’s website http://www.fca.org.uk or by contacting the Financial Conduct Authority on 0800 111 6768.

The ultimate holding company of all of the above companies is Legal & General Group Plc, a company incorporated in England & Wales (Registered No 01417162). The registered office for each of the companies mentioned above is One Coleman Street, London EC2R 5AA.

Intended audience and use of information

This Site is intended solely for the use of UK institutional investors and consultants only. It is not intended for used by individuals.

You are not authorised to copy, distribute or otherwise make use of any logo, trademark or other intellectual property of Legal & General which appears on the Site, except as expressly permitted in the Terms and Conditions.

The contents of this Site are provided for general information only and do not constitute advice of any kind (including investment, tax or legal) on which you should rely, or a recommendation to buy or sell any product or service or investment.

These Terms and Conditions are in addition to any terms of business which you may have as a direct customer ("Direct Terms") and in the event of any conflict between these Terms and Conditions and any Direct Terms, the terms and conditions of the Direct Terms will prevail.

Please note that any services or products offered by Legal & General will be subject to their own terms and conditions, which you must also read.

The services or products on this Site are available to persons or entities based in the United Kingdom and are not available to persons in any jurisdiction where Legal & General is not registered or authorised to engage in any investment business or activity requiring registration or authorisation. In particular, this Site and its contents are not directed at any person that is resident in the United States ("US person"), and no offer or invitation is made to any US person to acquire or sell any service, product or security referred to.

The provision of any information in this Site does not constitute an offer to US persons to purchase securities.

If you choose to access information on this Site, it is your responsibility to comply with the applicable local, national or international laws and any use of this Site outside the United Kingdom is entirely at your own risk. You should seek advice on your position from your professional advisers.

Professional investment adviser and investment risk

You should consult a professional adviser on your particular financial circumstances before taking, or refraining from taking, any action on the basis of the content of our Site, and you should not rely on the material on this Site. Before making an investment, you should read the appropriate fund prospectus (if applicable) or other terms and conditions as may be appropriate and raise any questions you have on this documentation with your professional adviser.


All investments involve a degree of risk. In particular note:

  • Past performance is not a guide to future performance;
  • The value of investments and the income from them may go down as well as up and you may not get back the amount invested; and 
  • Where the investment has exposure to overseas assets, changes in exchange rates between currencies may cause the value of the investment and the level of income to rise and fall

Disclaimer and liability

This Site is provided "as is" and “as available” and no representations or warranties are given with respect to this Site or its contents (including without limitation warranties of merchantability and fitness for a particular purpose). In addition, Legal & General does not represent or warrant that the information accessible from or via the Site is accurate, complete or current.

To the fullest extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our Site or any content on it, whether express or implied. Your use of the Site and any of its content or features is at your own risk.

In no event shall Legal & General be responsible for any loss or damage of whatever kind arising out of access to or use or reliance on any information posted on the Site or any information contained in or accessed through the Site.

Legal & General excludes all liability for any loss or damage and whether in tort (including without limitation negligence), contract or otherwise in connection with:

i. your use of, inability to use, or the results of use of the Site;

ii. your use of or reliance on any content displayed on our Site;

iii. any websites linked to the Site or the material on such websites;

iv. any failure or performance error, omission, interruption, defect, delay in operation or transmission, system failure, unavailability or suspension of the website, virus, distributed denial-of-service attack or other technologically harmful material that may infect your computer equipment, software, data or other proprietary material on account of your use of the Site or your downloading of any material from the Site or any websites linked to the Site;
including, without limitation, loss of profits, loss of income, loss of anticipated savings, loss of revenues, loss of data, loss of goodwill or loss of contracts or business (in each case whether direct or indirect) or for any indirect, economic, consequential or special loss resulting from whatever cause. Nothing in the Terms and Conditions shall exclude or limit Legal & General's liability for death or personal injury arising from our negligence, for fraud or fraudulent misrepresentation or any other liability to the extent that such liability cannot be limited and/or excluded by applicable law.

Accessing Our Site

Our Site is made available free of charge.

We do not guarantee that our Site, or any content on it, will always be available or be uninterrupted. Access to our Site is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our Site without notice. We will not be liable to you if for any reason our Site is unavailable at any time or for any period.
You are responsible for making all arrangements necessary for you to have access to our Site.

You are also responsible for ensuring that all persons who access our Site through your internet connection are aware of the Terms and Conditions, and that they comply with them.

Changes to content of Site

Legal & General reserves the right in its absolute discretion at any time and without notice to update, remove, amend or vary any of the content which appears on any page of this Site. However, please note that any of the content on our Site may be out of date at any given time, and we are under no obligation to update it.

Links

If you wish to establish links to this Site you should contact us in order to give formal notification of your intention prior to doing so, and to obtain our written consent. We may require you to enter into a separate license agreement before linking to the Site. We reserve the right to deny permission for any such links to the Site or to withdraw any existing permission at our sole discretion on reasonable notice.

If you link to, or posts material to this Site, you agree as follows:
i. not in any manner to imply that Legal & General is endorsing your investment strategies or policies or any statement made by you;
ii. not to post or transmit material that is libellous, defamatory, obscene, fraudulent, misleading, harmful, that violates the property rights of others (including without limitation infringing use of copyright or trademark), that violates the privacy of others, or that is in violation of any applicable laws; and
iii. not to infringe any third parties' intellectual property rights.

Third Party Links and Resource in Our Site

The Site may contain links to third party websites and/or the content of third parties ("Third Party Content"). The Third Party Content has been made available solely for your convenience or information. The Third Party Content should not be interpreted as an endorsement by us and we have no control over such Third Party Content. Accordingly, LGIM makes no representation, warranty or guarantee with respect to the Third Party Content whatsoever (including, as to its accuracy, completeness, suitability or reliability). If you use the Third Party Content, you do so entirely at your own risk. To the extent permitted by law, LGIM excludes any liability arising from any use or reliance on the Third Party Content.

Viruses

We do not guarantee that our Site will be secure or free from bugs, viruses or other malicious code.

You are responsible for configuring your information technology, computer programmes and platform in order to access our Site. You should use your own virus protection software.

You must not misuse our Site 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 our Site, the server on which our Site is stored or any server, computer or database connected to our Site.

You must not attack our Site 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 our Site will cease immediately.

Intellectual Property

Legal & General is the owner or licensee of all copyrights and other intellectual property rights in the Site and all material published on this Site. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

All copyright in the indices values and constituents lists which may be published on the Site, from time to time, may belong to a third party licensor including, without limitation, FTSE International Limited ("FTSE"). Legal & General has obtained full license from the relevant licensor to use such copyright in the creation of the contents of the Site.
The FTSE indices used within the Site are calculated by FTSE. FTSE does not sponsor, endorse or promote any Legal & General funds.

"FTSE®", "FT-SE®"; and "Footsie®" are trade marks of the London Stock Exchange Plc and The Financial Times Limited and are used by FTSE under license. "All-Share®", "All-World®" and "FTSE4Good®" are the trade marks of FTSE.

All trade marks, service marks, company names or logos are the property of their respective holders and no permission is given by Legal & General in respect of the use of any such trademarks, service marks, company names and logos and any such use may constitute an infringement of the holders’ rights.

You may print off one copy and may download extracts of any page(s) from our Site solely for your own personal use and you may draw the attention of others within your organisation to content posted on our Site. 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.

Our status (and that of any identified contributors) as the authors of content on our Site must always be acknowledged. Any other use of materials on this Site is strictly prohibited.

In no event are you permitted to publish, re-transmit, re-distribute or otherwise re-produce any of the content which appears on any page of this Site in any format to anyone else (other than in accordance with the paragraph above), and you are prohibited from using any such content from the Site in connection with any business or commercial enterprise without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of our Site in breach of the Terms and Conditions, your right to use our Site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Privacy and Cookies

Legal & General is committed to protecting your privacy and keeping your personal information secure. Any personal information you supply to Legal & General via this Site will be treated in accordance with the Data Protection Act 1998. When you use our Site, you consent, for the purposes of the Data Protection Act 1998, to Legal & General collecting and using your personal data in the manner described in our Privacy Policy and Cookie Policy.

Our Privacy Policy can be accessed at www.legalandgeneralgroup.com/privacy-policy.
Our Cookie Policy can be accessed from the bottom of this page.

Invalidity

If any part of our Terms and Conditions is determined to be illegal, invalid or otherwise unenforceable (including, without limitation, any provisions in which we exclude or limit our liability to you), then to the extent of such illegality, invalidity or unenforceability, such terms or conditions shall be deleted and severed from the Terms and Conditions and the enforceability of the remaining Terms and Conditions will survive in full force and effect.

Communications

Applicable laws may require that certain information or communications be in writing. When using the Site, you accept and agree that communication with Legal & General may be electronic. Legal & General may contact you by email or provide you with information by posting notices on this Site. For any contractual purposes, you agree to electronic means of communication and you acknowledge that all contracts, notices, information and other communications that Legal & General send to you electronically comply with any legal requirements that such communication be in writing. This provision does not affect your statutory rights.

Waiver

If Legal & General fails at any time to insist upon strict performance of any of your obligations under the Terms and Conditions, or if Legal & General fails to exercise any of its rights or remedies to which Legal & General is 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.

Entire Agreement

The Terms and Conditions set out the whole agreement between you and Legal & General in relation to the use of the Site. Each party acknowledges that in entering into the Terms and Conditions it does not do so on the basis of or in reliance upon any representations, or promises undertakings, warranties or other statements (whether written or oral) of any nature whatsoever except as may be expressly provided in these Terms and Conditions.

Law and jurisdiction

The Terms and Conditions and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of England and Wales.

The parties irrevocably agree that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with the Terms and Conditions or their subject matter or formation (including non-contractual disputes or claims).

Contacting Us

Questions comments and requests are welcomed and should be sent to [email protected]