Legal Information

Please read the information on this page carefully as it refers to any legal and regulatory restriction which may apply to various aspects of our website.

The material on this site is directed only at persons in the United Kingdom and is not an offer to buy or sell any investment to persons in any other jurisdiction other than the UK. By proceeding you are representing and warranting that you are not resident in, or a citizen of, a jurisdiction outside the UK.

The information contained in this website has been compiled with considerable care and in good faith, to ensure its accuracy at the date of publication. However, no representation or warranty, express or implied, is made to its accuracy or completeness. We accept no liability for any loss or damage caused by incorrect information. You should independently verify any information before relying on it. Furthermore, no information on this site constitutes investment, tax, legal or other advice.

Although we hope that this website will be of use to you, we accept no liability, and offer no warranties in relation to it and its content, to the fullest extent such liability can be excluded by law.

Information on this website is subject to change without notice.

JLT Wealth Management

JLT Wealth management is a trading name of the following companies all of which are registered in England:

• JLT Wealth Management Limited (no. 03876529)
• JLT Wealth Management (Falmouth) Limited (No. 03350120)
• JLT Investment Management Limited (no. 4274915)

All of the above companies are authorised and regulated by the Financial Services Authority.

The above companies are all part of the Jardine Lloyd Thompson Group Plc.

All of the above companies have their registered office at 6 Crutched Friars, London, EC3N 2PH.

For further details of the regulated companies contact the Financial Services Authority on 020 7066 1000, or via the web at www.fsa.gov.uk/register

Risk Warnings

Stockmarkets and currency movements may cause the value of investments and the income from them to fall as well as rise, and investors may not get back the amount they originally invested.

Past performance is not a guide to future returns.

Where investments are made in markets considered to be 'emerging', unquoted securities or smaller companies, their potential volatility may increase the risk to the value of, and the income from, the investment. Emerging market funds are only suitable for those investors who are prepared to accept the above average volatility inherent in investments in emerging markets.

The dealing price of funds may include a dilution levy or adjustment, further details of which are available in the Prospectus.

Some funds may invest in complex financial instruments known as derivatives. Where this occurs there are additional risks associated with investments (made directly or through investment vehicles which invest) in such derivatives.

The information on this website does not in any way constitute investment advice. Nor does it constitute a recommendation. It is not intended to be relied upon by you in making (or refraining from making) any specific investment or other decisions. If you are in any doubt as to the information contained in these pages, please contact your financial adviser, stockbroker, solicitor, bank manager or other professional adviser.

Nothing on this Website constitutes or forms a part of any offer for sale or subscription of, or any invitation to offer to buy or subscribe for, any securities or other financial instruments, nor should it or any part of it form the basis of, or be relied upon in any connection with any contract or commitment whatsoever.

All electronic communications with the Company may be monitored in the UK in accordance with the UK Regulation of Investigatory Powers Act, Lawful Business Practice Regulations, 2000.

Copyright and reproduction of information

The copyright in the website and (unless otherwise indicated) its contents including all information, graphics, code, text and design are owned by Jardine Lloyd Thompson Group Plc. Unauthorised use of this material is strictly forbidden.

Under no circumstances should the information on this website be copied, reproduced or redistributed other than printing or downloading for personal use only.

No rights of any kind are licensed or assigned or shall otherwise pass to persons accessing these pages.

Your use of this website

You agree that you will not:

• Place on this website any information which is abusive, illegal, libellous, pornographic, discriminatory or otherwise offensive;
• Transmit any virus, 'worm', 'Trojan Horse' or other item of a destructive nature to this site, and it is your responsibility to ensure that whatever you download or select for your use from this site is free from such items;
• Interfere with the operation or content of this website. Any attempt to damage this website may be illegal and we reserve the right to seek damages from any such perpetrator.

Cookies

What is a cookie?
A "cookie" is a small piece of encoded text which asks permission to be put on your computer's hard drive. Once you agree, your browser adds that text in a small file. Cookies allow web applications to respond to you as an individual. Our cookies can see if you have read and agreed to the disclaimer referred to below. Not all of the cookies that we use automatically expire at the end of a user session.

Why do we use them?
Cookies can help a website to tailor content to match your preferred interests more quickly. In the case of this website cookies are used for the following purposes:

Disclaimer
To determine whether you have agreed to a disclaimer. When entering the website for the first time, all users are required to read the disclaimer. When a user confirms that they have read the disclaimer, a cookie is stored to indicate this. This cookie will expire at the end of your session.

Site usage
To determine usage statistics of the website - this is a randomly-generated unique number. The usage statistics help us to improve the user experience by determining the most popular pages on our site and highlight trends which allow us to improve your user experience. This cookie will expire when you leave the website.

Security
The cookie stored on your web browser does not contain any personally identifiable information.

Links to other websites and the world wide web

This site contains links to other websites, which are not under our control and therefore we cannot accept any responsibility for their content or for the services or products offered through such websites.

Links must not be established to any pages of this website without our prior written consent.

Should the viewer leave this site via a link contained herein, and view content that is not provided by us, the viewer does so at its own risk. The content to which you link will not have been developed, checked for accuracy, or otherwise reviewed by Jardine Lloyd Thompson Group Plc (JLT). JLT is not responsible for damages or losses caused by any delays, defects or omissions that may exist in the services, information or other content provided in such site, whether actual, alleged, consequential or punitive. JLT makes no guarantees or representations as to, and shall have no liability for, any electronic content delivered by any third party, including, without limitation, the accuracy, subject matter, quality or timeliness of any electronic content.

Business changes

If we experience a group reorganisation or is sold to a third party, the personal information provided to us may be transferred to that reorganised entity or third party to be used for the purposes highlighted above.

Conflicts of interest

Jardine Lloyd Thompson Group Plc and its affiliates and/or their officers directors and employees may operate, own or have positions in any investment mentioned on this website and may from time to time add to or dispose of any such investment.

Any potential conflicts of interest arising are managed as part of our Conflicts of Interest Policy, a full copy of which is available on request from the Compliance Office, JLT iimia Wealth management, Ground Floor, Heliting House, 35 Richmond Hill, Bournemouth, BH2 6HT.

Privacy Statement

Your data controller
For the purposes of the UK Data Protection Act 1998, the data controller in respect of any personal information provided is JLT Wealth Management Limited, JLT Wealth Management (Falmouth) Limited and JLT Investment Management Limited. In this privacy statement "we", "us" and "our" means the said JLT Wealth Management Limited, JLT Wealth Management (Falmouth) Limited and JLT Investment Management Limited. The Act's eight principles establish enforceable standards for obtaining, holding, using or disclosing information. The Act also requires appropriate security arrangements to be in place to protect personal data and gives individuals the right to access personal information held about them.

What personal information do we hold
We collect and use certain types of information about people we deal with as part of our investment services activity. These include individual clients and prospective clients, our own employees, suppliers and others we conduct business with.

Uses made of your personal information
The personal information that you provide to us will be used for a number of different purposes including: to help us develop new products and services; to contact you in relation to your enquiry; for internal analysis and research; to comply with legal or regulatory requirements; and to identify you when you contact us. We may use external third parties to process your personal information on our behalf in accordance with these purposes.

Sharing of your personal information
The personal information provided may also be shared with other organisations in order for us to comply with any legal or regulatory requirements.

Correction of incorrect information
With limited exceptions, you have the right to ask for a copy of the information that we hold on you in which case if permitted you may be charged for it. If any of such information is wrong, please tell us so that we can correct it.

Recording of Telephone Calls
Calls made to and from our offices may be recorded.

Further information

If you have any queries, please see The Information Commissioner's Office web site or contact the Data Protection Officer for JLT Wealth Management Limited, JLT Wealth Management (Falmouth) Limited and JLT Investment Management Limited at Ground Floor, Heliting House, 35 Richmond Hill, Bournemouth, BH2 6HT.