Our General site terms and conditions govern the use of this website and are set out below. Please read them carefully as by using the site you indicate your acceptance of them. For ease of use you may either read by scrolling down using the scroll bar to the right of the screen or click on each heading to locate specific company details.
The various companies within the Legal & General group are authorised and regulated by the Financial Services Authority. Legal & General Insurance Limited is authorised and regulated by the Financial Services Authority for Insurance business.
- General Site Terms and Conditions
- Legal & General Insurance Limited
- Legal & General Assurance Society Limited
- Legal & General (Portfolio Management Services) Limited
General Site Terms and Conditions
Advice
Nothing in this site shall be deemed to constitute financial or other professional advice in any way. You should consult your financial adviser or other professional adviser if you require any financial advice. In choosing to buy any Legal & General product from this site you should not rely solely on the information contained within the site pages. You should carefully read the policy documentation and/or terms and conditions relating to any specific product before purchasing.
Variation of content
Legal & General reserves the right in its absolute discretion at any time and without notice to remove, amend or vary any of the content which appears on any page of this site, including any terms and conditions. Any changes to these terms and conditions will be posted on this site and by continuing to use this site following any such change you will signify that you agree to be bound by the revised conditions.
Data protection
Legal & General complies with its obligations under the Data Protection Act 1998 relating to the holding of personal data. Where we hold data about you we will only use this for the purposes you have agreed to.
You have the right to request a copy of the personal data we hold on you in return for the payment of a small fee and to require us to correct any inaccuracies in the personal data.Privacy statement
We treat all the information provided by you with the utmost care and security. Any details you give will remain confidential and will only be disclosed where disclosure is made at your request, with your consent or where we are legally obliged to do so.
The information collected by us will be used only for the purposes stated by us and agreed by you. Where we use your personal details to send you information about other products and services, we will give you the opportunity to tell us that you do not want it to be used.Links to other sites
The links to other sites on the Internet are purely to allow you access to more information on related topics. Legal & General does not necessarily own or control such sites and so accepts no responsibility for information contained in any such other sites or for the fact that such sites may not be available at all times. Please note that when accessing another site by way of a hypertext link you will leave the Legal & General site.
Disclaimer
Whilst Legal & General has taken all reasonable steps to ensure that the information contained within the pages of this site is accurate, current and complies with the relevant legislation and regulations, no warranty is given and no representation is made regarding the accuracy of or completeness of the content of this site. Consequently, Legal & General accepts no liability for any losses or damages (whether direct, indirect, special, consequential or otherwise) arising out of errors or omissions contained in this website. Further, no warranty is given that this site shall be available on an uninterrupted basis and no liability can be accepted in respect of losses or damages arising out of such unavailability. In addition, no liability can be accepted in respect of losses or damages arising out of changes made to the content of this site by unauthorised third parties.
You acknowledge that you are solely responsible for the use to which you put this site and all the results and information you obtain from it and that all warranties, conditions, undertakings, representations and terms whether expressed or implied, statutory or otherwise are hereby excluded to the fullest extent permitted by law.
Nothing in these terms and conditions shall exclude, limit or restrict Legal & General's duties and liabilities to you under the Financial Services and Markets Act 2000 and any subsequent amending or replacement legislation which regulates the carrying out of investment or financial business in the United Kingdom, or any conduct of business rules which we are bound to comply with. Further, nothing in these terms and conditions shall attempt to exclude liability for death or personal injury or for fraudulent misrepresentation.Copyright and trade marks
Copyright in the pages of this site, in the screen displaying the pages and in the information, texts, graphics and material contained therein and their arrangement is owned by Legal & General Assurance Society Limited, unless otherwise stated.
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 trade marks, service marks, company names or logos and such use may constitute an infringement of the holders' rights.
You may store, manipulate, analyse, reformat, print and display the content of this site solely for your own personal use. 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 reproduce any of the content that appears on any page of this site in any format to anyone, and you are prohibited from using any such content in connection with any business or commercial enterprise.Invalidity
If any part of our terms and conditions is unenforceable (including any provisions in which we exclude our liability to you) the enforceability of any other part of the terms and conditions will not be affected.
Residence
The pages of this site are prepared and issued in the United Kingdom and are intended for the information of United Kingdom residents only. Unless otherwise stated, all of the products are only available to applicants ordinarily resident in the United Kingdom and aged 18 years or over.
Governing law
By accessing these pages you agree to be bound by these terms and conditions. They shall be governed by and interpreted in accordance with the laws of England and Wales and the English courts shall have jurisdiction to resolve any disputes between us.
Legal & General Insurance Limited
Travel insurance
All travel insurance products referred to on this site are provided by Europ Assistance Holding Irish Branch and serviced by Europ Assistance Holdings Limited.
Registered details
Legal & General Insurance Limited
Registered in England No. 423930
Registered office: One Coleman Street, London, EC2R 5AA
Association of British Insurers
Legal & General Insurance Limited is a member of the Association of British Insurers.
Complaints procedure
Legal & General is committed to ensuring that you are treated in a well-informed manner... with fairness, with courtesy and with respect for your insurance needs.
If you make a claim we will handle this in accordance with the standards of service laid down by the Association of British Insurers' General Insurance Claim Code.
As you would expect, the Legal & General commitment extends to dealing with any possible dissatisfaction you may have in a straightforward helpful way. We believe the key to customer satisfaction is to provide speedy access to those best placed to resolve issues quickly and efficiently.
If you have a complaint
Please contact our Birmingham office quoting your policy number or claim number. The address and telephone number of the main office where the manager is located are shown on your policy schedule or last renewal notice.
If the local manager is unable to resolve your complaint, you should write to the Managing Director, Legal & General Insurance Limited, One Coleman Street, London, EC2R 5AA
Financial Ombudsman
If we cannot resolve your complaint, you may ask the Financial Ombudsman to review it .
The address is The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. You can visit their website here.
Legal & General Assurance Society Limited
Registered Details
Legal & General Assurance Society Limited,
Registered in England No. 166055,
Registered office: One Coleman Street, London, EC2R 5AA
Association of British Insurers
Legal & General Assurance Society Limited is a member of the Association of British Insurers.
Complaints Procedure
If you have a complaint, please contact us at:
Legal & General Assurance Society Limited,
PO Box 1186,
2 Montefiore Road,
Hove,
East Sussex,
BN3 1SD.
Telephone: 08700 104 080.
For your protection we may record and monitor calls and call charges will vary.
Complaints we cannot settle can be referred to the Financial Ombudsman Service. The address is:
The Financial Ombudsman Service,
South Quay Plaza,
183 Marsh Wall,
London, E14 9SR.
Telephone: 0845 080 1800
Website: http://www.financial-ombudsman.org.uk/
Under the Financial Services and Markets Act 2000, should the company be unable to meet all its liabilities to policyholders, compensation may be available. Information can be obtained on request, the address is:
Financial Services Compensation Scheme,
7th floor, Lloyds Chambers,
Portsoken Street,
London E1 8BN
Telephone: 0845 080 1800
Website: http://www.fscs.org.uk/
Making a complaint will not prejudice your right to take legal proceedings.
Legal & General (Portfolio Management Services) Limited
The Legal & General Fund Supermarket is offered and managed by Legal & General (Portfolio Management Services) Limited which is authorised and regulated by the Financial Services Authority.
Registered Details
Legal & General (Portfolio Management Services) Limited
Registered in England No. 2457525
Registered office : One Coleman Street, London, EC2R 5AA
VAT Number: 244 1554 78
Personal Investing
The capital value of investments and the income from them can go down as well as up and an investor may not get back the amount invested. Prospective investors should be aware of the underlying risks associated with investing in shares listed on certain stock markets which can be more volatile and less marketable than in more developed stock markets. The value of shares may rise or fall due to changes in the rate of exchange in the currency in which the funds are denominated if it is different from the investors' own currency. If you have any doubts at all about investing you should consult a financial adviser.
Trademarks
Copyright, trade marks, database rights, patents and all similar rights in the Fund Supermarket website and the information contained in it are owned by or licensed to Legal & General, or are owned by third party providers. You may use the information on this site and reproduce it in hardcopy for your personal reference only. The information may not otherwise be reproduced, distributed or transmitted to any other person or incorporated in any way into another database, document or other material. Any copy of materials which you make from the website must retain all copyright or other proprietary notices and disclaimers contained therein. Trade names referred to in this site are trade marks owned by or licensed to Legal & General or are owned by the relevant third party providers. Nothing on this site should be considered as granting any licence or right under any trademark of Legal & General or any third party.
Complaints or Queries
For further information or if you wish to complain about any aspect of the service you have received from Legal & General, please contact us at:
Customer Services Centre
Legal & General Retail Investments
PO Box 1004
CARDIFF CF24 0YS
Complaints we cannot settle can be referred to the Financial Ombudsman Service. The address is:
The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London E14 9SR
Telephone: 0845 080 1800
Website: http://www.financial-ombudsman.org.uk/
Making a complaint will not prejudice your right to take legal proceedings.
Compensation
Under the Financial Services Compensation Scheme, which was established under the Financial Services and Markets Act 2000, should the company be unable to meet all its liabilities to investors, compensation may be available. Information can be obtained on request.
Managers and Trustees (Unit Trusts)/Authorised Corporate Directors and Depository (OEIC)
For full details refer to fund specific Key Features.
Scheme Particulars, Prospectus of Fund and the Managers' Report and Accounts
Scheme Particulars, Fund Prospectus and the Managers' Report and Accounts can be obtained on request from:
Customer Services Centre
Legal & General Retail Investments
PO Box 1004
CARDIFF
CF24 0YS
