Legal Information

Introduction

Save & Invest (Financial Planning) Limited (FCA Registration Number 144940) is directly authorised by the Financial Conduct Authority to provide investment advice. Save & Invest (FT) Limited (FCA Registration Number 464453) is an Authorised Representative of Save & Invest (Financial Planning) Limited and is therefore indirectly authorised by the Financial Conduct Authority to provide investment advice. A recommendation to buy, sell or switch an investment will only ever be made in an Advice Report tailored to your personal circumstances. While we may from time to time publish material recommending clients review their portfolios, none of the material on this website should be interpreted as a recommendation by Save & Invest to make a change to your portfolio. Changes should only be made after consultation with your financial adviser and once an Advice Report has been issued by us. You can, if you wish, instruct us to make changes to your portfolio without advice from us (“Execution Only”) however, before proceeding we will write to you to confirm that no advice has been given.

This material is directed only at persons in the UK and is not to be regarded as an offer to buy or sell, or the solicitation of any offer to buy or sell shares in any jurisdiction other than the UK. Persons resident in territories other than the UK should consult their professional advisers as to whether they require any governmental or other consents or need to observe any formalities to enable them to invest in Save & Invest's and other providers' products described in the pages of the Save & Invest site.

The information provided via this website is provided to you only upon the terms and conditions herein, and provided for your use in respect of your own internal and legitimate business or personal purposes (the "Permitted Purpose"). You shall not without the written consent of Save & Invest use, store, download, reproduce, sell, redistribute or deal with the Information in any manner or for any purpose other than the Permitted Purpose.

Save & Invest reserves the right to grant or revoke the authority to use the Save & Invest Internet sites at its absolute discretion. Whilst every reasonable precaution has been taken to ensure the accuracy, security and confidentiality of information available through the Save & Invest Internet sites, Save & Invest cannot be held responsible for any consequence of any action carried out by any user authorised or unauthorised. Save & Invest only provides information about its own products and services (and other providers' products and services as available via Save & Invest).

The information provided herein, and your subsequent use of it may from time to time be subject to certain statutory or other external regulation, conditions and restrictions. All use of the information by you must comply with such regulations, conditions or restrictions applicable to the area or territory in which you shall use the information herein. In particular, information relating to a variety of investment funds and trusts is contained herein which in turn are located in various jurisdictions. The information contained on (or accessed from) this website is therefore subject to the different laws and regulations which apply in those jurisdictions. None of the information published or made available via the Save & Invest website is intended to be published or made available in any jurisdiction where to do so would result in a breach of any applicable law or regulation.

Reference in this document to specific securities should not be construed as a recommendation to buy or sell these securities, but is included for the purposes of illustration only. Investors should also note that the views expressed may no longer be current and may have already been acted upon by Save & Invest. Some funds in the property sector invest in property and land. These can be difficult to sell so you may not be able to sell /cash in this investment when you want to. There may be a delay in acting on your instructions to sell your investment. The value of property is generally a matter of a valuer's opinion rather than fact.

Company information

This material is issued by Save & Invest (Financial Planning) Limited (FCA registered number 144940) regulated and authorised by the Financial Conduct Authority. The company is a member of the Save & Invest group of companies and is registered in Scotland (SC113651). The registered address is 100 West Regent Street, Glasgow, G2 2QD. Save & Invest's VAT identification number is 556637706.

Investment Performance

Past performance is not a guide to what might happen in the future. The value of investments and the income from them can go down as well as up so you may get back less than you invested. Capital values may also be adversely affected if any of the institutions with which cash is deposited suffers insolvency or any other financial difficulties. If regular withdrawals are made from an investment, this may reduce the capital over time if the fund's growth does not compensate for the withdrawals.

We cannot guarantee that one investment will outperform another.

At Save & Invest we use a range of funds to create a client’s portfolio. Each fund is different and has its own volatility profile. We look after a client’s investments on a portfolio basis and judge the performance of the portfolio overall, not on an individual fund basis.

All figures and data are current to the date shown on the web page. The source of financial performance and pricing data is Financial Express.

Dealing via the internet with Save & Invest
Trademarks

Copyright, trademarks, database rights, patents and all similar rights in this site and the information contained in it are owned by Save & Invest, its licensors or relevant third party content 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 in to another database, document or other material. Any copy of materials which you make from the site must retain all copyright or other proprietary notices and disclaimers contained therein. Trade names referred to in this site are trademarks owned by or licensed to Save & Invest or other content providers. Trademarks owned by Save & Invest or providers of content on the site are used to act as an indication of source or origin of associated services. Nothing on this site should be considered as granting any licence or right under any trade mark of Save & Invest or any third party, nor should you attempt to use, copy adapt or attempt to register any similar trademarks to any trademarks or logos appearing on the website or in the information herein. WealthproTM, Wealth ProTM, Save & Invest logo and £ symbol are trademarks of Save & Invest (Financial Planning) Limited.

Third party content and research

The Save & Invest website includes material from third parties or links to websites maintained by third parties some of which is supplied by companies that are not affiliated with any Save & Invest entity ("Third Party Content"). On the Save & Invest website, the source of all Third Party Content is clearly and prominently identified. Third Party Content is available through framed areas, through hyperlinks to third party web sites, or is simply published on the site. The Third Party Content is protected by copyright pursuant to United Kingdom laws and international treaties and is owned or licensed by the Third Party Content provider(s) credited.

Save & Invest has not been involved in the preparation, adoption or editing of Third Party Content and do not explicitly or implicitly endorse or approve such content. The Third Party Content providers do not implicitly, or explicitly endorse or approve their content, nor do they give investment advice, or advocate the purchase or sale of any security or investment. Any opinions or recommendations expressed on third party sites are solely those of the independent providers, not of Save & Invest.

While Save & Invest makes every attempt to provide accurate and timely information to serve the needs of users, neither Save & Invest nor the Third Party Content providers guarantee its accuracy, timeliness, completeness, usefulness or any other aspect of the information and are not responsible or liable for any such content, including any advertising, products, or other materials on or available from third party sites. You will access and use Third Party Content at your own risk. Third Party Content is provided for informational purposes only and Save & Invest and the Third Party Content provider(s) shall not be liable for any loss or damage arising from your reliance upon such information.

UK investor protections may not apply on other web sites. You should review the privacy statement of a web site before you provide personal or confidential information. Your use of other web sites shall be subject to their terms and conditions.

Accuracy of information

Save & Invest uses all reasonable skill and care in compiling the information. However, errors or omissions in the information may occur because of a number of factors which are inherent in any internet access system and are not within Save & Invest's reasonable control. For example, unauthorised access to this service, or the effects of machine, software or operator error or malfunction in connection with data transmission. This service is accurate only on the date that such information is supplied by Save & Invest via its internet service. The relevant date for any particular information is the date printed on the page on which the information appears. In view of the above, Save & Invest advises you to confirm the accuracy of any information with Save & Invest before seeking to rely on such information. We cannot be held responsible if you make any decisions based on the information held on this website or available through it if you do not first seek confirmation from Save & Invest that the data is accurate and seek advice from us.

Copyright and confidentiality

Any information accessed via Save & Invest's online services is confidential and is protected under copyright law. Copyright © Save & Invest 2013. All rights reserved.

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