Terms & Conditions

By accessing this website and documentation held within it you have accepted and agreed to be bound by the terms below.


On this site 'RLAM' refers to Royal London Asset Management Limited (part of the Royal London Group) and 'Royal London' refers to The Royal London Group.
Where 'we', 'us' or 'our' is referred to in the site it applies to one or more of the following Royal London companies, unless the context indicates otherwise:

Royal London Asset Management Limited *
Authorised and regulated by the Financial Conduct Authority and provides investment management services. Firm Registration Number: 141665. Registered in England and Wales, No. 2244297. Registered office: 55 Gracechurch Street, London EC3V 0RL.
Group registered VAT number 368 5244 27

Royal London Unit Trust Managers Limited *
Authorised and regulated by the Financial Conduct Authority and provides unit trusts. Firm Registration Number: 144037. Registered in England and Wales, No. 2372439. Registered office: 55 Gracechurch Street, London EC3V 0RL.
Group registered VAT number 368 5244 27

Royal London Asset Management Bond Funds plc *
An umbrella fund with segregated liability between sub-funds. Authorised by the Central Bank of Ireland. Registered in Ireland No. 364259. Registered office: 70 Sir John Rogerson’s Quay, Dublin 2, Ireland.

The companies marked with an asterisk (*) are part of the Royal London Asset Management Marketing Group.

The pages of this website are prepared and issued in the United Kingdom and are intended for the information of United Kingdom residents only.

This website is not intended for distribution to, or use by, any person in a country where such distribution or use would be contrary to local laws or regulations.

The provision of the information in this website does not constitute an offer to purchase securities to any person in the United States or to any U.S. person as such term is defined under the United States Securities Act of 1993, as amended.

We have taken all reasonable steps to make sure the information on this site is accurate, up-to-date and keeps to all relevant laws and regulations. We will not be liable for any mistakes on the site, missing or out of date information, or results of using the site in any way or for any reason. Information on this site is provided free of charge and has not been adapted for your particular needs.

We reserve the right to suspend or withdraw access to the pages of this site without notice at any time and accept no responsibility for these pages not being available at all times. We have the right to prevent access to this site at all times, and we may also change the site and the information contained on it without giving notice. Royal London does not warrant that the contents of this site are compatible with all computer systems and browsers.

We have included links to other websites in this website for your convenience. By giving access to such links, we are not making any statement, warranty or representation as to the quality of the other site as we have no responsibility for that other site.

The entire contents of this site are the property of RLAM (unless the site shows otherwise) and are protected by copyright. You may download or print individual pages or sections of the site for private use only. The site is not to be otherwise reproduced, altered, transmitted, linked to another site or used for any business purpose without prior written permission from RLAM.

The RLAM logo is a registered trademark of The Royal London Mutual Insurance Society Limited.

You should note that we are not the owners of copyright on other websites which are accessible from this site. You should check these individual websites before copying information from them.

The pages of this site are for information only and do not constitute financial or other professional advice in any way. If you are in any doubt as to the validity of information made available within these pages, or if you wish to rely on this information, then it may be in your best interests to seek verification. Unless clearly indicated on this website, the information on this website is not intended to constitute any offer by us to enter into a contract with you. Any contract that we do enter into with you will be on the standard terms of business conditions, which are available upon request.

Past performance is not a guide to future performance.
Please remember that the value of certain investments can go down as well as up and that you may get back less than the amount you originally invested.
Information provided is based on our understanding of current legislation and HMRC practice, which may be changed.

Each of the products and services described are sold solely on the basis of and subject to, the terms and conditions relating to that product or service. A copy of the terms and conditions or the terms of agreement can be obtained on request.

Please note that any software is downloaded at your own risk. RLAM does not warrant the suitability of any such software which is downloaded and accepts 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 software to be downloaded for your computer, it is recommended that you obtain specialist advice before downloading.

RLAM is committed to protecting the privacy of all visitors to
If you provide us with your personal information via e-mail, telephone or otherwise then it may be held and processed by Royal London companies, and other organisations who perform activities on behalf of Royal London, in order to answer your queries.
With limited exceptions, you have the right under the Data Protection Act 1998 to obtain a copy of your personal information as held by the Royal London Group. A fee not exceeding the statutory maximum, will apply. You may obtain a copy of your personal information held by Royal London by writing to: Data Protection Officer, Royal London Group, Royal London House, Alderley Road, Wilmslow, Cheshire, SK9 1PF.
You also have the right to have any inaccuracies in your personal data corrected. If you want further information regarding the Data Protection Act and your rights, you can visit the website of the Information Commissioner.

We may record and monitor emails and phone calls between you and any  Royal London company. This is for data monitoring purposes. If this concerns you please raise these concerns during any communication with us.

The applicable law governing the contents and use of this website and any disputes arising from it is English law and any claim or dispute arising from use of this website shall be subject to the exclusive jurisdiction of the English courts.

We welcome interest and enquiries from users worldwide. However, if you are accessing this outside the UK, local legislation and regulation may not permit us to provide products for you in your own country. We will be pleased to confirm the position to you on request , if you email us .

© 2015  The Royal London Mutual Insurance Society Limited. All rights reserved.