Terms and Conditions
These are the general terms and conditions by which Alliance Trust Savings Limited (“We” “us” etc.') make available to you the Alliance Trust Savings web site (the 'Site'). Please read these terms and conditions carefully as your use of the Site is subject to and governed by them. We, Alliance Trust Savings Limited, reserve the right at our sole discretion to change, modify or add to these terms and conditions without prior notice to you. By continuing to use the Site you agree to be bound by such amended terms.
1. Status of Website
This Site is ours and is provided to you by us. Elements of this Site can only be accessed if you have one of our Accounts, or you are a professional adviser interested in our Accounts or Services. The Site is provided by us to promote the use of our products, services. We have used partners in the provision of certain information and tools, and their intellectual property remains with them unless otherwise stated.
This Site is separate from but linked to our parent company and associated companies. Those companies do not provide our Accounts and services, we are responsible for those. Your relationship through this Site to the Alliance Trust Group is with us and not with them.
All information contained on the site is for general informational use only and should not be relied upon by you in making any investment decision or giving financial advice to your clients without first verifying the information for your interests. The Site does not provide investment advice and nothing on the Site should be construed as being investment advice. Before making any investment choice you should take adequate steps to verify for your purposes and circumstances the accuracy and completeness of any information contained on the Site.
Although we use our reasonable efforts to ensure that information on the Site is accurate and complete, we cannot guarantee this to be the case. As a result, use of the Site is at your sole risk and we cannot accept any liability for loss or damage suffered by you arising from your use of information contained on the Site. You should take adequate steps to verify for your purposes and circumstances the accuracy and completeness of any information contained on the Site.
Information contained on the Site is not tailored by us for your personal or business use and as a result such information may be unsuitable for you and your investment decisions or advice you give. You should take adequate steps to verify for your purposes and circumstances the accuracy and completeness of any information contained on the Site.
The Site includes advertisements and links to external sites and co-branded pages in order to provide you with access to information and services which you may find useful or interesting. We do not endorse such sites nor approve any content, information, goods or services provided by them and cannot accept any responsibility or liability for any loss or damage suffered by you as a result of your use of such sites.
The Site is directed exclusively at persons located within the United Kingdom and as such any use of the Site by persons outside the UK is at their sole risk and cost. By using the Site you confirm that you are located within the UK and that you are permitted by law or the country from which you are accessing it to access or use the Site. If you are an adviser you are confirming that you are authorised by the Financial Conduct Authority.
You are allowed to use any Data (being any Index Values, data or other information related to or derived from an index licensed by FTSE to us) provided on this website for your own individual purposes and in your own personal (non-professional) capacity. You may only access the Data if you are an individual or a Small Business (being a legal entity that has fewer than 250 or fewer employees and an annual turnover of 50 million Euros or less). If you cannot comply with the foregoing statement you must stop using the Data or you may be liable to pay fees. You are not allowed to distribute the Data to anyone else or use the Data on behalf of or for the benefit of anyone else.
You acknowledge that in respect of Data on this website that FTSE and/or any relevant third party information providers are the owners of the intellectual property rights in the Data, and that the Data is provided subject to the terms of an Agreement between us and FTSE which contains restrictions and limitations of use of the Data. You may not remove any copyright or other proprietary notices incorporated into the Data.
You may not use or exploit the the Data for:
- (a) the purpose of creating (whether for your own purposes or on behalf of any other third party) any financial product or service:
- (i) the aim of which is to match the performance of any of the Data (including any Index or Index Value forming part of the Data);
- (ii) whose capital and/or income value is related to any of the Data (including any Index or Index Value forming part of the Data). or
- (b) any purpose that would require a separate licence from FTSE or a third party information provider.
2. Relationship with Accounts or other Terms of Business
Where these terms and conditions are contradicted by the terms of the Accounts or other Terms of Business in relation to the operation of Accounts, or our services to you, the Accounts terms and conditions supercede these.
If you are authorised by any professional body or regulator within the United Kingdom, you may use this Site as set out in these terms and conditions. If you have a Terms of Business with us, that Terms of Business may modify your rights to access or use of parts of the Site.
You can trade in certain investments through this Site but you must have an Account with us before you can do so, or be authorised to trade through an Account. You can open an Account online.
You must utilise the unique identifiers that will be sent to you before you can trade.
The costs, if any, of using this Site; the tools; or accessing the information made available on this Site, in whole or in part, are set out in our Accounts or other Terms of Business applicable to you.
5. Agreement on use
- browse the Site and view the information on it for personal, professional or other commercial purposes;
- print off pages from the Site to the extent reasonably necessary for your use of the Site in accordance with the above.
provided that at all times you may not, subject to these terms and conditions:
- systematically copy (whether by printing off onto paper, storing on disk or in any other way) substantial parts of the Site;
- remove, change or obscure in any way anything on the Site or otherwise use any material contained on the Site except as set out in these terms and conditions;
- include or create hyperlinks to the Site or any materials contained on the Site; or
- use the Site and anything available from the Site in order to produce any publication or otherwise provide any service that competes with the Site (whether on-line or by other media); or
- use the Site for unlawful purposes and you shall comply with all applicable laws, statutes and regulations at all times.
6. Quality of Information & Tools
Whilst we will use all reasonable endeavours to ensure the accuracy of any information placed on this website, we make no representations or give any warranties of any kind with respect to this Site or its contents. In addition we make no representation or warranties about the accuracy or the information contained on this website. Any errors should be reported to your local point of contact for us immediately.
Except for the trading functionality and provision of Account services, the contents of this Site are for information purposes only and are not binding, unless expressly stated otherwise. Except for the trading functionality and provision of Account services, the contents of this Site do not constitute a request or an offer in a legal sense or a recommendation to undertake any financial transaction or decision.
No express or implied guarantee is given in relation to the accuracy, completeness or timeliness of any of information or as regards any opinions or forward-looking statements expressed on the Site.
This website is intended for the information of residents of the United Kingdom only, and their advisers who are regulated by the Financial Conduct Authority.
7. Availability and updating of the Site
We may amend the Site and/or suspend and/or close access to it at any time for any reason, in particular, for maintenance or upgrade purposes, and we will seek to give advance notice of this wherever possible. Likewise, we reserve the right to amend, alter, or withdraw any of the information contained in the Site at any time, and we will endeavour to give advance notice of any amendments. We will not however have any liability for loss, Subsequent Loss, or damage arising from any amendments, suspensions, alterations or withdrawals.
We do not warrant that access to or use of the Site or of any sites or pages linked to it will be uninterrupted or error free. We may change the format and content of the Site in whole or in part at our sole discretion from time to time. You should refresh your browser each time you visit the Site to ensure that you access the most up to date version of the Site.
While we will try to ensure that the Site and its functions and communications made by us will be free from all viruses or other harmful components, no guarantee is given that this is the case.
Likewise, as with all websites and communication methods, there is the potential for communication to be intercepted by third parties and accordingly those methods of communication are not entirely secure. If preferred, communication, particularly confidential matters, can be notified to us in other ways that you believe are more secure.
8. No advice
We make no warranty that the website will meet your requirements. The information provided is for general guidance only. If you are unsure whether our products or the investments described are suitable for your requirements, or those of your clients it is recommended that you take such advice as you believe is appropriate to your circumstances.
You acknowledge that:
- we do not provide investment advice and that nothing on the Site constitutes investment advice and that you will not treat any of the Site's content as such;
- we do not recommend any particular financial product, although we promote our own products and those of our parent and associated companies, and other companies’ products;
- we do not recommend that any financial product or investment should be bought, sold or held by you; and
- nothing on the Site should be construed as an offer, nor the solicitation of an offer, by us to buy or sell securities or an investment except as set out in the terms and conditions of the Accounts that we offer
- information which may be referred to on the Site from time to time may not be suitable for you and that you should not make any investment decision without consulting a fully qualified financial adviser, or satisfying yourself that you are willing and able to make investment decisions without receiving advice.
9. Governing Law
These terms and conditions form the entire understanding of the parties and supersede all previous agreements, understandings and representations relating to the access to or use of the Site. If any provision of these terms and conditions is found to be unenforceable, this shall not affect the validity of any other provision. We may delay enforcing its rights under these terms and conditions without losing them. You agree that we may sub-contract the performance of any of the Site and related obligations or may assign these terms and conditions or any of its rights or obligations without giving you notice.
We will not be liable to you for any breach of these terms and conditions which arises because of any circumstances which we cannot reasonably be expected to control.
These terms and conditions shall be governed and interpreted in accordance with English law, and you consent to the non-exclusive jurisdiction of the English courts.
Alliance Trust Savings Limited (SC98767) is registered in Scotland, registered office: PO Box 164, 8 West Marketgait, Dundee, DD1 9YP.
Alliance Trust Savings Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, firm reference number 116115.
Alliance Trust Pensions Limited (2178783) Registered in England & Wales, Registered office: 6th Floor, 60 Gresham Street, London, EC2V 7BB, is our wholly owned subsidiary through which we provide certain trustee services.
We are a member firm of the London Stock Exchange and PLUS, and are regulated as an independent agency stockbroker, in the provision of both stockbroking and other investment services.
Except for the trading functionality and provision of Account services, we are unable to exercise control over the security or content of information passing over the network or via the service, and we hereby exclude all liability of any kind for the transmission or reception of infringing or unlawful information of whatever nature.
We accept no liability for loss or damage suffered by you as a result of accessing Site content which contains any virus or which has been corrupted.
Communication by any means may not be entirely reliable. We will have no liability for any data loss, interruption to service, damage, errors or alteration of any kind resulting in loss or subsequent Loss, (including, without limitation, for any loss of profit or revenue, data, savings or goodwill suffered by you) arising out of the use of the Services and the Site, or from any delay in or failure of transmission, receipt of any Instructions or notifications sent to us or by your inability to access it.
12. Data Protection
13. Copyright and trademarks
This Site, the tools and information on it is all made available to you by us, sometimes in partnership with certain key suppliers. All copyright and other intellectual property rights in any material (including text, photographs and other images and sound) contained in the Site is either owned by us or has been licensed from one of our suppliers or partners for use by us and you on the Site only. You are only allowed to use the Site and the material contained in the Site as set out in these terms and conditions.
The Site contains our trade marks, and our suppliers name and logo and their trade marks. All trade marks included on the Site belong to us, our suppliers or partners or have been licensed to us by the trade mark owner(s) for use on the Site. You are not allowed to copy or otherwise use any of these trade marks in any way except as set out in these terms and conditions.
14. Email and phone calls
If you leave your contact details in any part of the Site, we may use them to contact you at the times you have indicated or at a reasonable time of day.
15. Exclusions and limitations of liability
We do not exclude or limit our liability for death or personal injury or any matter covered by the terms of our Accounts.
Otherwise we shall not be liable (whether for breach of contract, negligence or for any other reason) for:
- any loss of profits,
- exemplary or special damages,
- loss of sales,
- loss of revenue,
- loss of goodwill,
- loss of any software or data,
- loss of bargain,
- loss of opportunity,
- loss of use of computer equipment, software or data,
- loss of or waste of management or other staff time, or
- for any indirect, consequential or special loss, however arising.
16. Enquiries or complaints
If you have any enquiries or complaints about the Site then please address them (within 30 days of such enquiry or complaint first arising) to the persons described on our contact us page of the Site or firstname.lastname@example.org, if you are an account holder or, if you are an adviser regulated by the Financial Conduct Authority , email@example.com.