Limited Licence/Copyright Clause:
"Subject to the terms and conditions, the Company grants you a non-commercial, non-exclusive, non-transferable, limited right to access, use and display this site and the materials thereon. You may not otherwise sell, copy, reproduce, recompile, decompile, disassemble, reverse engineer, distribute, publish, display, perform, modify, upload to create derivative works from, transmit or in any way exploit any part of this site. All proprietary rights remain the property of the Company. Downloading material from the site is permitted in order to make one hard copy only, provided that such a copy includes any copyright or other notices contained in any such information.
This site and all content included on it (such as graphics, logos, icons, text and images) is copyrighted and protected by worldwide copyright laws and treaty provisions. You agree to comply with all copyright laws worldwide in your use of the site."
"This site may contain inaccuracies and typographical errors. The Company does not warrant the accuracy or completeness of the materials or the reliability of any advice, opinion, statement or other information displayed or distributed through the site. Any reliance on such advice, opinion, statement or other information shall be at your own risk.
The site, the information and materials on the site and the software made available on the site are provided "as is" without representation or warranty of any kind to the fullest extent permissible pursuant to applicable law, including but not limited to implied warranties of noninfringement, merchantability, satisfactory quality or fitness for a particular purpose.
Furthermore the Company accepts no responsibility or liability for, and makes no warranties that, functions contained at this site will not be interrupted or error-free or that defects will be corrected.
Please note that some jurisdictions do not allow the exclusions of implied warranties, so some or all of the above exclusions may not apply to you."
"Sites or pages which are linked to this site are for information only; they have not been reviewed by the Company. The Company has no responsibility for the content of sites or pages linked or linking to this site and the Company accepts no responsibility or liability for any losses or penalties whatsoever that might be incurred as a result of linking to any location on any linked sites or pages. Links do not imply that the Company or this site sponsors, endorses or is associated with, or is legally authorised to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the links, or that any linked site or page is authorised to use any trademark, trade name, logo or copyright symbol of the Company or any of its subsidiaries or its or their parent companies."
Information Provided By You: "You agree that any information which you or individuals acting on your behalf provide to the Company will not be considered confidential or proprietary and that by giving such information to the Company you grant to the Company an unrestricted, worldwide, royalty-free licence to use, reproduce, transform and distribute such information.
You agree not to submit to the Company (whether via this site or by any other means) any materials which:
Limitation of Damages: "In no event will the Company or any of its subsidiaries or its or their parent companies be liable to you for any direct, special, indirect, consequential, incidental damages or any damages of any kind even if the Company has been advised of the possibility thereof. (Applicable law may not allow the limitation or exclusion of liability for consequential or incidental damages, so the limitation or exclusion may not apply to you.)"
Changes: "The Company reserves the right, at its sole discretion, to change, modify, add or remove any portion of these terms and conditions in whole or in part, at any time. Changes to these terms and conditions will be effective when notice of such change is posted on this site."
International Users and Choice of Law: "This site is not directed at any person in any jurisdiction where for any reason the publication or availability of this site is prohibited. Those in respect of whom such prohibitions apply must not access this site.
The Company does not represent that any of the materials or information at this site are appropriate for use or permitted by local laws in all jurisdictions. Those who access this site do so by their own initiative and are responsible for compliance with applicable laws and regulations; legal advice should be sought in cases of doubt.
The terms and conditions are governed by and shall be construed in accordance with the laws of England and Wales."
"If any of these terms and conditions should be determined to be illegal, invalid or otherwise unenforceable by reason of the laws of any state or country in which these terms and conditions are intended to be effective, then to the extent and within the jurisdiction which that term or condition is illegal, invalid or unenforceable, it shall be severed and deleted from that clause and the remaining terms and conditions shall survive, remain in full force and effect and continue to be binding and enforceable."
A cookie is a piece of information that is saved to the hard drive of your computer or mobile device. It remembers information about the configuration of your computer or mobile device and will remember that you've visited before. This improves your website browsing experience by storing information so that you don't have to give it several times.
A cookie typically doesn't contain personal information, but other browsing details such as the domain from which the cookie has come from, a random unique identifier code and also the lifetime (expiry) of the cookie.
Cookies may be either "persistent" or "session" cookies. A persistent cookie will remain valid and functional until its set expiry date (unless deleted by the user before the expiry date); in contrast a session cookie will expire when the web browser is closed by the user.
How to disable the cookies
You can disable the cookies that we attach if your browser supports this. To check and update your cookies settings, you will need to know what browser you are using (Internet Explorer, Google Chrome, Firefox, Safari or any other) and what version of it you have. You can usually find this out by opening the browser, then clicking on 'Help' and then 'About'. This will give you information about the browser version you are using.
To find out how to manage cookies please refer to www.aboutcookies.org or your browser's help options for more information.
Please remember that if you amend your cookie settings your browsing experience may be negatively affected. You may be unable to use some of our online services.
We are currently working to implement the new rules on our websites. Standard Life is supportive of the changes to the privacy rules which are designed to protect the privacy of internet users.
"This site does not usually require you to reveal information about yourself. There may be times, however, when we need information from you in order to answer your enquiries more effectively, to improve the content of the site or to conduct internal marketing analysis. When information is needed, we will try to let you know at the time of collection how the information will be used.
If, in order to process your enquiries, we are going to provide your information to other businesses or former businesses of the Company, you will be informed that your information is to be forwarded." "If any of these terms and conditions should be determined to be illegal, invalid or otherwise unenforceable by reason of the laws of any state or country in which these terms and conditions are intended to be effective, then to the extent and within the jurisdiction which that term or condition is illegal, invalid or unenforceable, it shall be severed and deleted from that clause and the remaining terms and conditions shall survive, remain in full force and effect and continue to be binding and enforceable."