Our website is operated by the issuing entity noted below. By ‘we’, ‘our’ and ‘us’ we mean the relevant Issuing Entity. By ‘Schroder Group’ we mean all or any direct and indirect subsidiary of Schroders plc (as the context indicates).
In terms of any pages on our website, when we refer to ‘you’, ‘your’ and ‘yours’, we mean the person accessing this website.
The information, products and services referred to on our website are not directed at, or offered to, any person or organisation in any country or state where: advertising, offering or selling is restricted or not allowed by law or regulation; or we would have to register our website or get a licence we do not already have (see ‘Issuing Entity’ for details of our regulators). Distributing information in certain countries may be restricted by local law. As a result, if you access our website, you must be aware of, and keep to, any such restrictions.
Accessing our website
You should read our terms together with any terms, conditions and disclaimers provided in the other pages of our website. These terms will take priority if there is any difference between them and these terms, conditions and disclaimers provided in the other pages of our website.
We may change our website and these terms at any time without notice. You agree to review these terms regularly and, if you continue to use our website, it will mean that you agree to any changes which have been made.
Each term and condition of these terms is separate. If we cannot enforce any term or condition or it is not valid or breaks any laws or regulations which apply, it will not affect any other terms or conditions.
Unless we say differently in these terms, we will not be legally responsible to you for any failure to carry out our responsibilities under these terms if the cause is beyond our reasonable control. This includes: (a) war, riot, revolution, political crisis or any act of terrorism; (b) earthquake, hurricane, typhoon, flood or other natural disaster; (c) any regulatory ban on our activities; (d) a banking moratorium having been declared by law or the appropriate regulatory authorities (where there is a temporary delay or suspension of banking activities meaning we do not have access to banking services); (e) any breakdown, malfunction or failure of transmission, communication or computer facilities; or (f) industrial action, acts and regulations of any government or authority.
We will do our best to give written notice to you with full details of events which mean we cannot carry out our responsibilities. However, we will not be held responsible if we cannot contact you promptly or even at all.
These terms are for our benefit and are binding on us and on anyone who takes over our business.
Our website has been designed to work with the latest versions of the Windows and IOS operating systems, as well as the latest versions of the most popular browsers such as Internet Explorer, Google Chrome, Mozilla Firefox and Apple Safari, and is subject to change without notice. We do not warrant or guarantee your ability to access our website.
You are responsible for: making all arrangements necessary for you to access our website; and making sure that anyone who accesses our website through your internet connection is aware of, and keeps to, these terms.
If we give you a user identification code, password or any other information as part of our security procedures, you must treat that information as confidential, and you must not reveal it to anyone. If you fail to keep to this information confidential we may disable any user identification code or password, whether chosen by you or given to you by us, at any time.
Changes to our website
We may revise or update these terms at any time and without notice to update, remove, amend or vary any of the material which appears on any of the pages of our website.
Material on our website may be out of date at any given time, and we are under no obligation to update it.
Intellectual property rights
We own or licence all intellectual property rights in our website and in the material published on it. This material is protected by copyright laws and treaties around the world. All these rights are reserved.
You acknowledge that we own our website and that it is protected under copyright. This means you may not copy, send, display, publish or distribute anything on it without our authorisation.
You may print one copy, and may download extracts, of any pages from our website for your personal reference and you may draw the attention of others within your organisation to material posted on our website.
You must not change or separate any sections of the paper or digital copies of any materials you have printed or downloaded.
You must always acknowledge that we (and any others who have contributed to the content of our website) are the authors of material on our website.
You must not use any part of the material on our website for commercial purposes without getting a licence from us to do so.
If you print, copy or download any part of our website and break these terms, your right to use our website will end immediately and you must return or destroy any copies of the material you have made.
We do not accept responsibility for any alterations to the content of our website unless made or approved by us.
Our trading names and logos are registered throughout the world.
Unless expressly stated, content on our website: is for information purposes only; is current at the date of issue (or as so marked) only; may contain information from third parties which we and the third party cannot be liable to you for; and is supplied without any warranties, guarantees or representations as to accuracy or completeness. Furthermore, nothing in our website constitutes definitive legal, tax, accounting, investment or other advice. Accordingly, you must not rely upon it, and should obtain specific professional advice before acting.
As far as we are allowed by law, we will have no legal responsibility for: all conditions, warranties and other terms which might otherwise be implied by any law; and any direct, indirect or consequential loss or damage you may suffer in connection with our website or in connection with using, not being able to use, or resulting from using our website, any websites linked to it and any materials posted on it or changes made to the content of our website by unauthorised people.
Nothing in these terms can exclude or restrict any responsibility we may have for causing death or personal injury arising from our negligence, nor our liability for fraud or fraudulent misrepresentation, nor any other liability which we cannot exclude or is limited under any relevant laws. This includes our duties and liabilities to you under the UK Financial Services and Markets Act 2000 (as amended), or the rules of the FCA or any other competent authority which regulates us.
We do not guarantee that: our website will be available and meet your needs; access will be uninterrupted; there will be no delays, failures, mistakes or missing information or loss of transmitted information; no viruses or other contaminating or destructive properties will be transmitted; or no damage will happen to your computer system.
The information contained on our website is provided on an ‘as is’ or ‘as available’ basis. You use our website at your own risk and you alone are responsible for protecting and backing up data and equipment and for carrying out reasonable and appropriate precautions to scan for computer viruses or other destructive items.
We are not approving any other organisations or their advice, opinions, information, products or services by including any information on our website.
Before acting on any information you get from our website, you should check it by calling your investment manager or local office.
Viruses, hacking and other offences
You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not try to gain unauthorised access to our website, the server on which our website is stored or any server, computer or database connected to our website. You must not attack our website using a denial-of-service attack or a distributed denial-of service attack.
By breaking this condition, you would commit a criminal offence under the UK Computer Misuse Act 1990. We will report this to the relevant law-enforcement authorities and we will co-operate with those authorities by giving them your name and other details. Your right to use our website will also end immediately.
We will not be legally responsible for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other material due to you using our website or downloading any material posted on it, or on any website linked to it.
Linking to and from our website
You must not frame our website on any other site (where you display one of our webpages in another webpage so it appears that our website is part of another website), nor create a link to any part of our website other than the home page. You must not suggest in any way that we are approving any products or services other than our own or misrepresent the relationship between you and us. You must not alter, block or otherwise prevent any content of our website from being displayed, or link to our website through any other Uniform Resource Locator (URL) or mirrored website. We may withdraw permission to link to our website without giving you any notice.
Our website may contain links to other websites or resources which are hosted and maintained by other organisations and which may not be regulated by the appropriate regulator. When you activate these links, you leave our website and we have no control over the content or security of any site you go to. You are using these links entirely at your own risk and we will accept no legal responsibility for the content, use or availability of those websites or for any loss or damage, however it arises, as a result of using them.
Our website may contain financial promotions. Please read the warnings and terms and conditions on these promotions carefully, and do not view the promotions if you cannot keep to their terms and conditions.
All of our services and those of other members of the Schroder Group are governed by separate client terms and conditions relating to those services.
By continuing to access our website, if you have not already confirmed that you accept and will keep to them, we will assume you have accepted the client terms and conditions which apply to you.
Nothing on our website represents investment, legal, tax or other advice and you must not rely on it when making an investment or other decision. You should get relevant and specific professional advice (legal, tax, financial and other) before making any investment, legal or tax decision.
We have prepared our website for information purposes only and it is not an offer or an invitation to buy or sell any security, other investment or investment advice. We are not claiming to give a complete description of our investment policy, markets or any investments. All opinions on the site may change without notice.
For a detailed list of risk warnings, please see Risk factors.
Complaints and compensation
We place great importance on providing the highest standards of service. However, if you are not satisfied with any aspect of our service, please tell your relationship manager, or if your complaint relates to them, their office or Team Head or the Head of Compliance. Please see our complaints brochure for more information, including regarding independent dispute resolution, such as an ombudsman.
In addition, in the unlikely event of the failure of our business, you may be eligible to compensation from a government backed scheme. For further details, see www.fscs.org.uk.
If we use Twitter, LinkedIn, Facebook, Google+ or Instagram (our social media), you should use the information published for information purposes only.
As well as the terms outlined here, our website terms will apply to our social media as if the terms ‘our website’ referred to ‘our social media’ instead.
None of the information on our social media webpages is: financial or other professional advice (whether legal, tax, accounting or otherwise); or a recommendation or offer to buy (or sell) an investment. If you need more information, you should contact us.
Any content, views, opinions or responses to questions expressed, published on or sent via our social media webpages (social media content) by anyone other than us, are those of the person providing them only and are not ours. We will not be legally responsible for this social media content or anything available on any other website referred or linked to, or otherwise appearing on, the social media webpages, whether or not it is published by us.
We have no links to any social media provider, and unless imposed by law or regulation, we are not responsible for any aspect of a social media service.
Where FTSE International Limited (“FTSE”) data is used, “FTSE” is a trade mark of the London Stock Exchange Group of companies and is used by FTSE International Limited under licence. All rights in the FTSE indices vest in FTSE and/or its licensors. Neither FTSE nor its licensors accept any liability for any errors or omissions in the FTSE indices or underlying data. No further distribution of FTSE data is permitted without FTSE’s express written consent.
Our Pillar 3 disclosures are available here: https://www.schroders.com/en/investor-relations/shareholders-and-governance/disclosures/pillar-3-disclosures/.
Country, language and law which applies
English shall be the official language for all communications between us, although we may also communicate with you in other languages.
Schroder Wealth Management (US) Limited, registered number 10761882 in England. Authorised and regulated by the Financial Conduct Authority. Schroder Wealth Management (US) Limited is entered on the FCA register under the following register number: 781869. Registered Office: 1 London Wall Place, London EC2Y 5AU. Schroder Wealth Management (US) Limited is registered as an investment adviser with the US Securities and Exchange Commission pursuant to the Investment Advisers Act and is not registered in the United States as a commodity pool operator or broker-dealer.
The value of an investment and the income from it may go down as well as up and investors may not get back the amount originally invested.