Legal information

This website describes products and services provided by members of the Aberdeen Group plc and the Phoenix Group. Full product and service provider details are described below.

1. Introduction

Using any of the pages on this site indicates that you accept the terms of this Legal information notice ("Notice"). If you do not accept these terms, please leave the pages of this site immediately. This Notice is issued by Standard Life Employee Services Limited.

We may update the terms of this Notice from time to time by updating this page. You should revisit this page regularly to ensure that you have seen and are aware of the current terms, as they are binding on you. Certain provisions in this Notice may be superseded by expressly designated notices or terms located on particular pages of the site.

In this Notice and the pages of this site, any reference to "we", "our" or "us" means the Aberdeen Group plc (being Aberdeen plc and its subsidiaries) or the Phoenix Group (being Phoenix Group Holdings plc and its subsidiaries), unless otherwise indicated. On the pages of this site, we often refer to companies without including the word "Limited".

2. Company and regulation details

Standard Life Savings Limited (SC180203), provider of the Wrap Platform, Wrap Personal Portfolio and Wrap ISA is registered in Scotland at 1 George Street, Edinburgh, EH2 2LL; and authorised and regulated by the Financial Conduct Authority.

Phoenix Life Limited, trading as Standard Life, provider of the Onshore Bond for Wrap and the Standard Life Self Invested Personal Pension Scheme, is registered in England and Wales (1016269) at 1 Wythall Green Way, Wythall, Birmingham, B47 6WG; and is authorised by the Prudential Regulation Authority, and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Standard Life International dac is authorised and regulated by the Central Bank of Ireland. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. The nature and extent of consumer protections may differ from those for firms based in the UK. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website. Standard Life International dac is a designated activity company limited by shares and registered in Dublin, Ireland (408507) at 90 St Stephen’s Green, Dublin 2. Standard Life International dac is the provider of the International Portfolio Bond for Wrap

Financial Services Register Reference Numbers:

Standard Life Savings Limited – 188796, Phoenix Life Limited - 101418 and Standard Life International dac - 446898.

The Financial Services Register can be found at http://www.fca.org.uk/register.

Parent and service companies:

Aberdeen Group plc (SC286832) and Standard Life Employee Services Limited (SC271355) are both registered in Scotland at 1 George Street, Edinburgh EH2 2LL.

The Aberdenn Group VAT number is GB270347469

Phoenix Group Holdings plc is registered in England (11606773) at Juxon House, 100 St Paul’s Churchyard, London, EC4M 8BU.

The Phoenix Group VAT number is GB369446510.

3. Intended audience

The pages of this site are intended for the information of residents of the United Kingdom ("UK"), unless otherwise stated.

4. General disclaimers and terms

While we have taken all reasonable care to ensure that the information contained within the pages of this site is accurate, current and complies with relevant UK legislation and regulations as at the date of issue, errors or omissions may occur due to circumstances outside our control.

We reserve the right to change the content, presentation, performance, facilities and availability of all or part of the pages of this site at our sole discretion and without prior notice.

We make no warranty or representation that the pages of this site can be accessed at all times . This site may be temporarily unavailable or restricted for administrative or other reasons. We will not be liable for any loss or damage arising out of or in connection with the loss of the use of this site.

We accept no responsibility for information contained in any other sites which may be accessed by hypertext link from the pages of this site, or for these other sites not being available at all times. The links to any other sites are provided for general information purposes only and the sites concerned and their contents are not endorsed or promoted by us in any way, unless otherwise stated. Please note that when you click on any external site hypertext link, you will leave our site and access the external site at your own risk.

5. Advice

Nothing on the pages of this site constitutes financial, legal or other professional advice in any way and you should consult your financial adviser or other professional adviser if you require any financial, legal or other professional advice.

6. Copyright and trade mark

Copyright in the pages of this site, in the screens displaying the pages and in the information and material contained therein and their arrangement, is owned by Standard Life Employee Services Limited, or such other member of the Aberdeen Group plc or the Phoenix Group as Standard Life Employee Services Limited may direct, unless otherwise indicated.

Certain images and content used in the pages of this site are reproduced under licence.

Standard Life Employee Services Limited and any member of the Aberdeen Group plc or the Phoenix Group may also claim trade mark and service mark rights in other marks contained within the pages of this site.

Reproduction of the pages of this site in whole or in part, without the prior written consent of Standard Life Employee Services Limited, or such other member of the Aberdeen Group plc or the Phoenix Group as Standard Life Employee Services Limited may direct, is strictly prohibited.

7. E-mail

Please note that there is no guarantee that any e-mail sent will be received, or that the contents of any such e-mail will remain private or unaltered during Internet transmission. If you have any such concerns, you may prefer to telephone or write to us instead. We accept no liability for any damages you or others may suffer as a result of the alteration or loss of confidentiality of any such information.

We reserve the right to monitor the use and content of e-mails which are sent from and received by us for the purposes of ensuring compliance with our own e-mail policy, and identifying and taking action against unlawful or improper use of, or attacks on, our systems.

8. Computer misuse

We recommend that you employ reasonable virus detection and protection measures when accessing the pages of this site. We will not be liable for any loss or damage resulting from any attack by a third party on our systems or for any computer virus or other malicious or technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of this site.

9. Downloads

Any software, multimedia files, photographs, reports and other documents are downloaded at your own risk. We do not warrant the suitability of any such downloads and accept no liability for any problems with your computer that may arise as a result. If you are in any doubt as to the suitability of any such downloads for your computer, it is recommended that you obtain specialist advice before downloading.

10. Financial Services Compensation Scheme (FSCS)

The Financial Services Compensation Scheme (FSCS), established under the Financial Services and Markets Act 2000, has been set up to provide protection to consumers if authorised financial services firms are unable, or likely to be unable, to meet claims against them. Accordingly you may be entitled to compensation from the FSCS if such a firm cannot meet its obligations, depending on the type of business and the circumstances of the claim. For further information on the compensation available under the FSCS please check their website www.fscs.org.uk or call the FSCS on 0800 678 1100. Please note only compensation queries should be directed to the FSCS.

If you have any further questions, you can speak to your financial adviser or contact us directly.

11. Governing Law

The terms of this Notice and the use of the pages of this site shall be governed by the laws of England unless otherwise stated, and the English courts shall have non-exclusive jurisdiction in the event of a dispute.