Defined contribution pension scheme

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Please read the Terms and Conditions below before proceeding to our website.

Alternatively, view the Terms and Conditions in PDF format.

These Terms and Conditions (defined below) set out the terms 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, linking to, posting material on 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 LGIM on behalf of Legal & General (defined below).

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, a company incorporated in England & Wales (Registered No. 02091268) and entered on the Financial Services Register number 121912.

GO ETF Solutions LLP, a limited liability partnership incorporated in England & Wales (Registered No. OC329482) and entered on the Financial Services Register number 477266.

LGIM Real Assets (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 verify 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 investment professionals only. It is not intended for use by individuals.

You are not authorised to copy, distribute or otherwise make use of any logo, trademark, copyright material 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, service or investment.

These Terms and Conditions are in addition to any terms of business which you may have in place with Legal & General 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 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 ("Unauthorised Jurisdiction"). Use of this Site in an Unauthorised Jurisdiction is entirely at your own risk. You should seek advice on your position from your professional advisers.

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 applicable local, national or international laws. Specific variations to these Terms and Conditions apply to each jurisdiction in which Legal & General is authorised or registered to engage in investment business or activities, and these variations can be found below. You must comply with these Terms and Conditions, as varied by the applicable terms below, in relation to the jurisdiction in which you are accessing and using the Site.

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.

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 the 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.

Using and Sharing Our Content

You may:

(i) view our Site for your personal use on any device that is compatible (including a PC, laptop, smartphone, tablet or other mobile device);

(ii) print off one copy and download extracts of any page(s) from our Site solely for your own personal use;

(iii) draw the attention of others within your organisation to content posted on our Site; and

(iv) share links to specific content or information on our Site by using any sharing tools we make available.

If you wish to share the content of our Site with others, we are happy for you to do the following, provided you comply with the terms set out in this section:

(i) publish online, the original headline and a link to the article and the first 100 words of an article ("Article Summary");

(ii) forward the original headlines, links and an Article Summary to other individuals.

Other than in accordance with the paragraph above and unless stated on our Site or as indicated by a social sharing icon, you are not 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, 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 wish to re-produce in full any article on the Site, you should contact us directly for authorisation and if granted, we will require you to include an attribution to us when re-producing that article.

Further, 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.

If you fail to comply with the paragraph above, we reserve the right to immediately terminate your right to link to our Site and to share the content of our Site, 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.

Linking and Posting Material to our Site

You may link to, or post material to this Site, provided that you do not:

(i) in any manner to imply that Legal & General is endorsing your investment strategies or policies or any statement made by you; or

(ii) post or transmit material that is libelous, defamatory, obscene, fraudulent, misleading, harmful, that violates the property rights of others (including without limitation infringing use of any third party's intellectual property rights), that violates the privacy of others, or that is in violation of any applicable laws.

If you post material to our Site, we reserve the right to make editorial adjustments before publishing and reserve the right to remove or block any comments or materials posted to the Site which:

(i) contain profanity or other language likely to cause offence;

(ii) break the law or condone or encourage unlawful activity (including, without limitation, breach of any intellectual property right, defamation and contempt of court);

(iii) are seen to impersonate or falsely claim to be, someone else or represent an organisation;

(iv) repeatedly post the same or similar messages, i.e. spamming;

(v) are unrelated to the topic the message is posted under;

(vi) include contact details such as phone numbers, postal or email addresses;

(vii) constitute advertising of products and / or services;

(viii) contain links to websites deemed to be unsuitable by us; and/or

(ix) we do not feel are otherwise suitable or appropriate for the Site.

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, Legal & General 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 access or use the Third Party Content, you do so entirely at your own risk. To the extent permitted by law, Legal & General excludes any liability arising from any use or reliance by you on the Third Party Content.

Security

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 programs and platforms 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;
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; or
attack our Site via a denial-of-service attack or a distributed denial-of service attack.

We will report any breach of this section 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 other intellectual property laws and treaties around the world. All such rights are reserved to Legal & General and its third party licensors.

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

All copyright in any indices values and constituents lists which may be published on the Site, from time to time, may belong to a third party licensor. Where such indices feature on the Site, Legal & General has obtained full license from the relevant licensor to use such copyright in the creation of the contents of the Site.

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 legislation relevant to your jurisdiction. When you use our Site, you consent 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 https://www.legalandgeneral.com/institutional/privacy-policy/.
Our Cookie Policy can be accessed at www.lgim.com/cookie-policy.html.

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 sent to you electronically comply with any legal requirements that such communication be in writing. This provision does not affect your statutory rights.

Telephone Recording

As required under applicable laws Legal & General will record all telephone and electronic communications and conversations with you that result or may result in the undertaking of transactions in financial instruments on your behalf. Such records will be kept for a period of five years (or up to seven years upon request from the Financial Conduct Authority (or such successor from time to time)) and will be provided to you upon request.

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 in the applicable jurisdiction.

The parties irrevocably agree that the courts in the applicable jurisdiction 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).

Language

This agreement is drafted in the English language. If this agreement is translated into any other language, the English language text shall prevail.
Contacting Us

Questions comments and requests are welcomed and should be sent to Web Marketing: Email us

In addition to the terms and conditions above, the following terms apply to the jurisdictions listed above them.

Australia

To the extent that any services or products on this Site are not used for personal, domestic or household use, then, subject to section 64A of the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)) and section 12EC of the Australian Securities and Investment Commission Act 2001 (Cth), which is not otherwise disclaimed or limited under these Terms and Conditions is restricted to:-

for goods, replacement or repair or the cost of replacement or repair; or
for services, re-supply or the cost of re-supplying the services.

Under the Privacy Act 1988 an investor any person may request access to the personal information (if any) we or you hold about them.

In the "Law and Jurisdiction" section, the words "in the applicable jurisdiction" shall be deleted and replaced with "in force in the state of New South Wales, Australia."

Austria

Legal & General Investment Management Limited ("LGIM") is registered with the Austrian Financial Market Authority ("FMA") to provide cross-border investment services in Austria in accordance with article 34 Directive 2014/65/EU (at the time of notification: Article 31 Directive 2004/39/EC).

Registered Address of LGIM is:

1 Coleman Street, London, EC2R5AA, United Kingdom

LGIM is registered with Companies House under 02091894.

Supervisory Authority: Financial Conduct Authority

VAT Identification Number: 244 1554 78

You can contact LGIM, as follows:

T: + 44 02031243000

E: webmarketing@lgim.com

In the Chapter "Intended Audience and Use of Information", the first sentence shall read:

This Site is intended solely for the use of (i) "professional clients" (Professionelle Kunden) as such term is defined in section 66 Austrian Securities Supervision Act 2018 (Wertpapieraufsichtsgesetz 2018), (ii) entities or persons who have been qualified as professional clients in accordance with section 67 of the Austrian Securities Supervision Act 2018 and (iii) "eligible counterparties" (Geeignete Gegenparteien) as such term is defined in section 68 of the Austrian Securities Supervision Act 2018. Hence, for the avoidance of any doubt, this Site is not intended and must not be relied on by (i) "private clients" (Privatkunden) as such term is defined in section 1 item 36 of the Austrian Securities Supervision Act 2018 and (ii) "qualified private clients" (Qualifizierte Privatkunden) as such term is defined in section 2 para 1 item 42 of the Austrian Alternative Investment Fund Managers Act (Alternative Investmentfonds Manager-Gesetz).

The third paragraph ("The contents of this Site…") shall be amended with the following sentence:

Nothing contained herein must be considered as financial analysis nor shall contents of this Site or part of it form the basis of, or be relied on, in connection with any contract or commitment whatsoever.

In the "Disclaimer and Liability" section the last paragraph shall be amended as follows:

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 blatant gross negligence [krass grobe Fahrlässigkeit] or for any other liability to the extent that such liability cannot be limited and/or excluded by applicable law.

The wording in section "Telephone Recording" shall be read as follows:

"As required under applicable laws, LGIM will record all telephone and electronic communications and conversations with you that result or may result in the execution of transactions in financial instruments on your behalf. LGIM will, however, prior to such recording inform you about it and your data protection rights. Pursuant to art 16 para 7 Directive 2014/65/EU and the applicable laws of England and Wales (implementing Directive 2014/65/EU) such records will be kept for a period of five years (or up to seven years upon request from the Financial Conduct authority (or such successor from time to time)) and will be provided to you upon request.

In the "Law and Jurisdiction" section, the words "in applicable jurisdiction" shall be deleted and replaced with "substantive Austrian law under the exclusion of its conflict of laws rules and the United Nations Convention on Contracts for the International Sale of Goods".

Belgium

LGIM is registered as a UK MiFID-firm on the basis of free provision of services with the Belgian Financial Services and Markets Authority (the “FSMA”). In particular, it is allowed to provide the following services and activities on a cross border basis in Belgium:

reception and transmission of orders in relation to one or more financial instruments;
execution of orders on behalf of clients;
foreign exchange services where these are connected to the provision of investment services; and;
investment research and financial analysis or other forms of general recommendation relating to transactions in financial instruments.

The use of the Site is intended only for investors that (A) qualify both as “professional investors ” (as defined by article 3, 30° of the Act of 19 April 2014 on alternative investment funds and their managers, as amended from time to time or any successive legislation that may enter into force, and by article 5, §3 the Act of 3 August 2012 on undertakings for collective investment that fulfil the conditions set out in the UCITS Directive and undertaking for investment in receivables, as amended from time to time or any successive legislation that may enter into force) and as “qualified investors” (as defined by article 10, §1 of the Act of 16 June 2006 concerning the public offering of investment instruments and the admission to the trading on a regulated market of investment instruments, as amended from time to time or any successive legislation that may enter into force), i.e. “qualified investors” in the meaning of Article 2, (e) of the EU Regulation 2017/1129 on the prospectus to be published when securities are offered to the public or admitted to trading on a regulated market, as amended from time to time or any successive legislation that may enter into force (each, a “Qualified Investor”), and (B) do not qualify as “consumers” defined by article I.1.2° of the Code of Economic Law of 28 February 2013 [optional: referring to “any natural person who is acting for purposes which are outside his trade, business, craft or profession”], and (C) any such Qualified Investor shall act in its own name and for its own account and shall not act as intermediary, or otherwise sell or transfer, to any other investor, unless any such other investor would also qualify as a Qualified Investor.

In the "Law and Jurisdiction" section, the words "in the applicable jurisdiction" shall be deleted and replaced with "of Belgium."

Brunei

This Site is intended solely for the use of investment professionals only. It is not intended for use by individuals or the public in Brunei. The term “investment professional” used in the Site generally refers to a person who is either an institutional investor or a person who holds a capital market services licence under the Securities Market Order, 2013.

The Site and its contents are not directed at any person that is resident in Brunei Darussalam (“Brunei Person”), and no offer is made to any Brunei Person to provide or acquire or sell any investment business service, product or security. The provision of any information in this Site is for general information only and it does not constitute a recommendation, an offer or invitation to offer to Brunei Person to invest or purchase securities.

China

In the "Law and Jurisdiction" section, the words "in the applicable jurisdiction" shall in each case be deleted and replaced with "of England and Wales."

By providing personal information in the course of your use of the Site, you expressly consent to the transfer of that information overseas in accordance with the terms of the Privacy Policy.

Denmark

Legal & General Investment Management Ltd. is registered with the Danish Financial Supervisory Authority to provide cross-border investments services in Denmark in accordance with Article 31 in MiFID-Directive and Danish legislation.

In the "Law and Jurisdiction" section, the words "in the applicable jurisdiction" shall be deleted and replaced with "of Denmark”.

Finland

In the "Information About Us" section, the following shall be inserted at the end of such section"

Of the entities listed above as being authorised and regulated by the Financial Conduct Authority and/or the Prudential Regulation Authority, the following have been notified to the Finnish Financial Supervisory Authority and may provide services into Finland:

Legal & General Investment Management Limited
LGIM Real Assets (Operator) Limited
Legal & General Assurance (Pensions Management) Limited

Of the entities listed above as being authorised and regulated by the Financial Conduct Authority, the following have not been notified to the Finnish Financial Supervisory Authority and do not offer services into Finland:

LGV Capital Limited
LGIM Corporate Director Limited"

In the "Using and Sharing Our Content" section, the following shall be inserted at the end of such section: "This provision does not affect your statutory rights."

In the "Privacy and Cookies" section, the following shall be inserted at the end of such section: "You have the right to withdraw your consent at any time, but you may thereafter not make any further use of the Site."

In the "Law and Jurisdiction" section, the words "in the applicable jurisdiction" shall be deleted and replaced with "of England and Wales".

France

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.

In the "Law and Jurisdiction" section, the words "in the applicable jurisdiction" shall be deleted and replaced with "of France".

In the "Information About Us" section the following shall be inserted;
"Legal & General Investment Management Limited ("LGIM") Private Limited Company incorporated in England & Wales (Registered No. 2091894), whose share capital amounts to £4 750 000, having its head office located at 1 Coleman Street, London, EC2R5AA, United-Kingdom, phone number + 44 02031243000. Investment Manager authorised and regulated by the Finacial Conduct Authority, entered on the Financial Services Register number 119272 and benefiting from European passports to carry out its activities in France.

The publication manager is LGIM. Please direct any queries to: LGIM Marketing, One Coleman Street, London, EC2R 5AA,

Email IB Distribution.

The Site is hosted with LGIM. Please direct any queries to: One Coleman Street, London, EC2R 5AA,

LGIM is authorized to carry out business in France under a cross-border services passport into France"

In the section "Linking and Posting Material to our Site" the following words shall be inserted; "You shall hold us harmless from from any and all claims, injuries, damages, losses or suits including attorney fees, arising out of or in connection with any link and material that you post to this Site."

Germany

In the "Information About Us" section, the following wording is inserted;

"The Site is operated by LGIM. LGIM's information is as follows: Legal & General Investment Management Limited ("LGIM"), a company incorporated in England & Wales (Registered No. 2091894) and entered on the Financial Services Register number 119272.

LGIM's address is: 1 Coleman Street, London, EC2R5AA, United-Kingdom, phone number + 44 02031243000.

LGIM is represented by: Notices for the attention of: LGIM General Counsel, LGIM Legal, One Coleman Street, London, EC2R 5AA

LGIM's capital stock is £4.75million Pounds Sterling.

You can contact LGIM, as follows: Email Web Marketing.

LGIM's monitoring authority is: Financial Conduct Authority

The person responsible for editorial content (sec. 55 (2) rstv) is: LGIM Marketing, One Coleman Street, London, EC2R 5AA,

IB Distribution email"

In the "Intended audience and use of information" section the first paragraph shall the replaced with the following; "This Site is intended solely for the use of German professional as well as semi-professional investors and consultants only. It is not intended for use by private investors in particular in accordance with paragraph 19 no.31 of the German Investment Code ("KAGB").

In the "Disclaimer and Liability" section the following wording is inserted; "LGIM shall also be liable for any damage in the case of a culpable violation of a material contractual duty or cardinal duty; however, in the event of a violation of a material contractual duty or cardinal duty based on simple negligence, the liability of LGIM shall be limited to the typically foreseeable damage. A “cardinal duty” in the sense of this provision shall be a duty of LGIM whose fulfilment enables the proper performance of the agreement, whose infringement jeopardizes achieving the purpose of the agreement and in whose compliance you may normally trust. Any further-reaching liability on part of LGIM shall be excluded."

In the "Law and Jurisdiction" section, the words "in the applicable jurisdiction" shall be deleted and replaced with "German law".

Hong Kong

References to "Legal & General", "We" or "Us" in the the Terms and Conditions shall also include Legal & General Investment Management Asia Limited (“LGIM Asia Ltd”), a Licensed Corporation (CE Number: BBB488) regulated by the Hong Kong Securities and Futures Commission ("SFC") to conduct regulated activities of dealing in securities and asset management in Hong Kong. The registered address of LGIM Asia Ltd is Room 902, 9/F, Chinachem Tower, 34-37 Connaught Road, Central, Hong Kong.

The Site has not been reviewed by the SFC and is provided to you on the basis that you are a Professional Investor as defined in the Securities and Futures Ordinance (Cap. 571) (the "Ordinance"). By accepting using the Site, you acknowledge and agree that the Site is provided for your use only and that you will not distribute or otherwise make this material available (except as specified in the Terms and Conditions) to a person who is not a Professional Investor as defined in the Ordinance.

In the "Law and Jurisdiction" section, the words "in the applicable jurisdiction" shall be deleted and replaced with "of the Hong Kong Special Administrative Region of the People's Republic of China."

In our Privacy Policy, under the "Information we collect" section, the following additional terms apply:

We intend to use your personal data in direct marketing and may not do so without your consent.

Any promotional emails that we may periodically send about new products, special offers or other information that we think you may find interesting shall relate to the investment products and/or services offered by Legal & General.

Your personal data may be transferred outside of Hong Kong and/or to a Legal & General group company for the reasons set out in this section.

Indonesia

You represent and warrant that you are entitled to enter into a binding agreement under the laws of the Republic of Indonesia, in particular to the Terms and Conditions, and that you are at least 21 years old or are married and not under guardianship.

Please be informed that Otoritas Jasa Keuangan (the Indonesian Financial Service Authority) or Bank Indonesia does not declare its approval or disapproval of our services and products offered nor do they guarantee the accuracy or adequacy of its services and products, nor do they supervise the use of our products. Therefore your use of our Site will be purely contractual relationship with us as set out in these Terms and Conditions.

This Site or other related documents and information shall not be considered as an offer to our services and products in investment sector; consequently such documents and information shall not be considered an offer.

Some of the information on this Site may contain projections or other forward-looking statements regarding future events or future financial performance of countries, markets or companies. These statements are only predictions and actual events or results may differ materially. You must make your own assessment of the relevance, accuracy and adequacy of the information contained in this Site and to make such independent investigations as you may consider necessary or appropriate for the purpose of such assessment. Any opinion or estimate contained in this Site is made on a general basis and is not to be relied on by you as advice.

The collection and use of personal data under these Terms and Conditions have been in compliance with the collection and use of personal data under the prevailing laws and regulations in Indonesia.

For the use in Indonesia, these Terms and Conditions are drawn up in both the English and the Indonesian languages, both of which versions are binding on you and us. In the event of any inconsistency between the Indonesian language version and the English language version, to the extent permitted by the prevailing laws and regulations, the English language version will prevail.

Ireland

LGIM Corporate Director Limited is authorised to provide alternative investment fund management services in Ireland on a cross border basis in accordance with the provisions of the European Union (Alternative Investment Fund Managers) Regulations 2013 (as amended) and is approved by the Central Bank of Ireland to act as a service provider to funds.

PMC has an administrative authorisation to carry on life assurance business in Ireland on a freedom of services basis.

LGIM Corporate Director Limited and PMC are each entered on the Central Bank of Ireland’s registers, which you can verify by visiting the Central Bank of Ireland’s website at http://registers.centralbank.ie/

In the "Law and Jurisdiction" section, the words "in the applicable jurisdiction" shall be deleted and replaced with "of England and Wales."

Italy

In the "Law and Jurisdiction" section, the words "in the applicable jurisdiction" shall be deleted and replaced with "of Italy”.

Japan

The Site is intended solely for the use of institutional investment professionals only. Please do not use the Site if you are not on behalf of an institutional investment professional. Accordingly, the Consumer Contract Act of Japan (Act No. 61 of 2000, as amended) does not apply to the use of the Site.

The Site and its contents are not directed at any person that is resident in Japan ("Japanese person"), and no offer or invitation is made to any Japanese 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 Japense persons to purchase securities.

In the "Intellectual Property" section the following shall be inserted; "If you post material to the Site, we are deemed to be authorised to use such material on the Site."

In the "Law and Jurisdiction" section, the words "in the applicable jurisdiction" shall be deleted and replaced with "of England and Wales."

In the "Intended Audience and Use of Information" section, the first sentence shall be replaced with, "This Site is intended solely for the use of institutional investment professionals only. Please do not use the Site if you are not on behalf of an institutional investment professional. It is not intended for use by individuals. Accordingly, the Consumer Contract Act of Japan (Act No. 61 of 2000, as amended) does not apply to the use of the Site."

Luxembourg

In the "Law and Jurisdiction" section, the words “the laws in the applicable jurisdiction” shall be construed as meaning the Laws of Luxembourg.

Macau

LGIM and the companies listed in the Section “Information About Us” are not authorized by the Macau Monetary Authority to act as financial institutions and/or provide financial services pursuant to the provisions of Decree-Law No. 32/93/M in the Macau Special Administrative Region of the People’s Republic of China.

Malaysia

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By accepting the Terms and Conditions or otherwise using this Site, you confirm and represent to us that you are a person who come within one of the categories of persons set out in Part 1 Schedule 6 and 7 of the Capital Markets and Services Act 2007 of Malaysia, as amended from time to time (“CMSA”).

We are not licensed or authorised to carry on any regulated activity (as defined in the CMSA) in Malaysia and none of the information or documents contained or made available on this Site shall be construed as advice of any kind (including financial, investment, tax or legal).

Netherlands

In the "Law and Jurisdiction" section, the words "in the applicable jurisdiction" shall be deleted and replaced with "of England and Wales."

New Zealand

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No use by you of the Site shall activate the provisions of any consumer protection laws of New Zealand, including, without limitation, the Consumer Guarantees Act 1993; the Fair Trading Act 1986; and the Credit Contracts and Consumer Finance Act 2003, the operation of which you agree shall hereby be excluded to the fullest extent permitted by law.”

In the "Law and Jurisdiction" section, the words "in the applicable jurisdiction" shall be deleted and replaced with "of England and Wales."

The provision of any information in this Site does not constitute an offer of or invitation to subscribe for any financial products to any person in New Zealand, nor does it constitute a ‘regulated offer’ to retail investors within the meaning of the FMCA. The Site is intended for use by persons who are 'wholesale investors' within the meaning of the FMCA only. ‘Wholesale investors’ include:

any persons who are required to pay a minimum upfront subscription amount of at least NZ$750,000 each on acceptance of any offer of financial products made to those persons and before the allotment of those financial products; or
any persons who are otherwise categorised as 'wholesale investors’ pursuant to the FMCA.

If you are not a ‘wholesale investor’ you shall immediately cease any access to or use of the Site and any services and/or products on the Site.

Norway

Legal & General Investment Management Ltd. is registered with the Norwegian Financial Supervisory Authority to provide cross-border investments services in Norway in accordance with Article 31 in MiFID-Directive and Norwegian legislation.

In the "Law and Jurisdiction" section, the words "in the applicable jurisdiction" shall be deleted and replaced with "of Norway”.

Singapore

In the "Law and Jurisdiction" section, the words "in the applicable jurisdiction" shall be deleted and replaced with "of the Republic of Singapore."

Spain

LGIM is registered with the Spanish Comisión Nacional del Mercado de Valores (Register number 828) as an investment firm of the European Economic Area under the freedom to provide services regime, to provide certain investment services.

In the "Law and Jurisdiction" section, the words "in the applicable jurisdiction" shall be deleted and replaced with "of Spain."

Sweden

Legal & General Investment Management Ltd. is registered with the Swedish Financial Supervisory Authority to provide cross-border investments services in Sweden in accordance with Article 31 in MiFID-Directive and Swedish legislation.

In the "Law and Jurisdiction" section, the words "in the applicable jurisdiction" shall be deleted and replaced with "of Sweden”.

Switzerland

This Site is aimed exclusively at persons with their place of residence or registered office in Switzerland and who qualify as qualified investors within the meaning of art. 10 para. 3, 3bis and 3ter of the Swiss Collective Investment Schemes Act ("CISA").

The content of the Site is provided for information purposes only and does not constitute an offer, solicitation or a recommendation to buy or sell securities or financial instruments, nor shall it constitute the basis of any contract, commitment or decision of any kind. It is not intended to be a substitute for the full documentation of the relevant collective investment scheme. This content does not constitute any personalised assessment or investment recommendations, nor shall any information contained herein be construed as financial, tax or legal advice of any kind.

You should only subscribe to shares in a collective investment scheme after reading the fund agreement and/or the latest prospectus, the Key Investor Information Documents (KIIDs), the latest audited annual report and if need be the subsequent unaudited semi-annual report as well as additional relevant documentation according to local laws.

Neither the contents of this Site, nor, other than where explicitly stated otherwise on this Site, any prospectus, placement memorandum, nor any other offering or marketing materials relating to the interests in the funds mentioned on this Site have been or will be filed with, or approved by, any Swiss regulatory authority. Accordingly, the investor protection afforded to investors of interests in collective investment schemes under the CISA may not extend to acquirers of shares in the collective investment schemes mentioned on this Site.

Swiss Representative
ACOLIN Fund Services AG,
Leutschenbachstrasse 50, CH-8050 Zürich

Swiss Paying Agent
NPB Neue Privat Bank AG
Limmatquai 1/am Bellevue, Postbox, CH-8024 Zürich

Availability of Documents

The fund agreement, prospectus, Key Investor Information Document (KIID), the instruments of incorporation, annual report and subsequent semi-annual report and additional relevant documentation of the collective investment schemes referred to on this website are available free of charge from the Swiss representative and from Legal & General Investment Management Corporate Director Limited, One Coleman Street, London, EC2R 5AA, GB.

In the first paragraph of the "Law and Jurisdiction" section, the words "in the applicable jurisdiction" shall be deleted and replaced with "of Switzerland", and in the second paragraph, "the courts in the applicable jurisdiction" shall be replaced with "the courts of the City of Zurich, Canton of Zurich, Switzerland".

Taiwan

In addition to the terms and conditions provided in the “Privacy and Cookies” section, any personal information you supply to Legal & General via this website (and by other means) will also be treated in accordance with the Personal Information Protection Act of Taiwan amended on December 30, 2015. If we hold information about you, we'll only use this for the purposes you've agreed to.

With respect to the personal information we hold about you; you have the right to (i) inquiry or request for a review of the information; (ii) see a copy of the information; (iii) request to supplement or correct the information; (iv) request to discontinue collection, processing or use of information; and (v) request to delete the information.

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Thailand

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(1) Importing of forged computer data, either in whole or in part, or false computer data, in a manner that is likely to cause damage to any third party or the public;

(2) Importing of false computer data in a manner that is likely to damage the country's security or cause a public panic;

(3) Importing any computer data related with an offence against the Kingdom's security or related to terrorism under the Criminal Code;

(4) Importing any computer data of a pornographic nature that is publicly accessible;

(5) Dissemination or forwarding of computer data already known to be computer data under (1) (2) (3) or (4).

United Kingdom

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.

In the "Law and Jurisdiction" section, the words "in the applicable jurisdiction" shall be deleted and replaced with "of England and Wales."

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