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Risk Warning

Terms & Conditions of Societe Generale Structured Investments Website (“the Terms”)


This website is issued by the London Branch of Societe Generale. Societe Generale London Branch is authorised by the ECB, the ACPR and the Prudential Regulation Authority (PRA) and subject to limited regulation by the Financial Conduct Authority (FCA) and the PRA. Details about the extent of our authorisation, supervision and regulation by the above mentioned authorities are available from us on request.

This website is published by Societe Generale:

Société Anonymewith a capital stock of € 1 009 897 173, 75 as of December 11th, 2017

Paris Trade Register No. 552 120 222                                                            

APE No.: 651C

Registered Office: 29 Boulevard Haussmann 75009 Paris

VAT No: FR 27 552 120 222

Publication Manager: Mr. Frédéric OUDÉA, Chief Executive Officer

Editorial Manager: Mirela Mardare

Contact: enquiries.Societe Generaleifa@Societe Generalecib.com

This website is hosted by Societe Generale.

This website is governed by French law, except to the extent where its content refers to financial services provided in United Kingdom in which case the law of United Kingdom shall apply.


The information, services and products on this website are intended for use only by financial advisers (herein “Financial Advisers”) and are not aimed at or intended for use by retail investors or persons who are residents of any other jurisdiction, other than the United Kingdom.

 

Professional regulations

Societe Generale is a licensed French credit institution supervised by the Autorité de Contrôle Prudentiel et de Résolution, (“ACPR”: 4 place de Budapest CS 9245975436 Paris Cedex 09), controlled by the Autorité des Marchés Financiers (“AMF”) and under the prudential supervision of the European Central Bank (ECB). In accordance to the provision of French Code Monétaire et Financier (Monetary and Financial Code), Societe Generale, as a credit institution licensed for the provision of investment services, is authorized to carry out all banking operations and provide all investment services except for the investment service of the operation of a multilateral trading facility (“MTF”) or an organized trading facility (“OTF”).


Content of this website

Societe Generale shall make its best efforts to ensure that the information displayed on this website is accurate and up-to-date. Societe Generale reserves its right to amend the content of this website at any time, without prior notice. However, Societe Generale is not able to guarantee that the information herein is complete or that it will not be modified by a third party (malware). Societe Generale shall not be held liable for any difficulty or impossibility to access the website due to an internet connection problem.

Societe Generale shall not be held liable for any indirect consequential loss or damage, including, but not limited to: any damage or loss arising from any transaction carried out on the basis of the information herein, any loss of profit, loss of business, or any other loss arising from a service interruption due to an internet connection problem.

Further, Societe Generale shall not be held liable neither for the results of any factor beyond their control nor for any eventual loss or damage to the technical environment of the website users, including, but not limited to, hardware, software, or any other equipment used to access this website or use the services and/or the information herein.


Information about Financial Instruments

The potentials information or material about financial instruments on this website are provided for general information purposes only and should not to be construed as a solicitation or an offer to buy or sell any financial instruments, or any substitute for any form of advice or recommendation with respect to such financial instruments.

Societe Generale accepts no liability for losses or damages which may be directly or indirectly sustained by any visitor to the website or other person who obtains access to the material on the website.

Any person wishing to obtain information about Societe Generale products or services is requested to contact Societe Generale to obtain the regulatory information document (where applicable), and any other relevant information on the availability, terms and conditions, and prices.

The Plans described within this website are not suitable for everyone. Investors’ capital is at risk. Financial Advisers should not advise their clients to invest in these Plans unless they understand their nature and the extent of their exposure to risk.

The value of these Plans may be exposed to fluctuations in rates of exchange, and these may have an adverse effect on the value or price of the Plan. Information in the website on past performance cannot be relied upon as a guide to future performance. The value of these Plans can go down as well as up and investors may get back less than their initial investment.

This disclaimer cannot disclose all the risks and other significant aspects of the Plans. You should study the risk factors attached to these products that are disclosed below and throughout this website.

This website does not constitute an offer for sale of securities in the United States and the securities will not be registered under the U.S. Securities Act of 1933, as amended (the « Securities Act »). The securities may only be offered, sold, pledged or otherwise transferred in an “offshore transaction” (as defined under Regulation S) to or for the account or benefit of a Permitted Transferee.  A “Permitted Transferee” means any person who (a) is not a U.S. person as defined in Rule 902(k)(1) of Regulation S and (b) is not a person who comes within any definition of U.S. person for the purposes of the U.S. Commodity Exchange Act (CEA) or any rule of the U.S. Commodity Futures Trading Commission (CFTC Rule), guidance or order proposed or issued under the CEA (for the avoidance of doubt, any person who is not a “Non-United States person” defined under CFTC Rule 4.7(a)(1)(iv), but excluding, for purposes of subsection (D) thereof, the exception for qualified eligible persons who are not “Non-United States persons,” shall be considered a U.S. person) and (c) is not a "U.S. Person" for purposes of the final rules implementing the credit risk retention requirements of Section 15G of the U.S. Securities Exchange Act of 1934, as amended (the U.S. Risk Retention Rules) (a Risk Retention U.S. Person).  The securities are available only to, and may only be legally or beneficially owned at any time, by Permitted Transferees.

 

Key risks for Investment Plans

Capital is at risk and investors could lose some or all of their capital.

If SG Issuer and Societe Generale were to default or become insolvent, the products will terminate immediately. The amount that your client receives back for their investment will depend on i) the market value of their Investment at that time and on ii) the value of the collateral assets at the time of expiry and your client may receive back less than your initial investment.

Liquidity risk: Societe Generale aims to provide a secondary market for the products during the investment term. However, certain exceptional market circumstances may have a negative effect on the liquidity of the products, and even render the products entirely illiquid, which may make it impossible to sell the products and result in the partial or total loss of the invested amount. There is no liquid market on which these products can be easily traded, and this may have a material adverse effect on the price at which these products might be sold. Therefore, the investor may lose part or all of the invested amount.

As with all similar structured investments, in the event of Counterparty or Issuer insolvency your client will not have recourse to the Financial Services Compensation Scheme.

Market risk: The products may be subject to significant price movement at any time before maturity, which may in certain cases lead to the loss of your entire capital invested.


Key risks for Deposit Plans

If Societe Generale Hambros Bank Limited becomes insolvent or fails to repay the amounts due, you could lose some or all of your initial deposit and any gross return owed to you on the Plan maturity Date. As with any deposit, if the Deposit taker fails to pay or becomes insolvent you may be eligible to claim under the UK Financial Services Compensation Scheme (“FSCS”) up to the scheme limits. For further information visit www.fscs.org.uk

In order to provide the performance of a Deposit Plan, the Deposit taker will enter into a linked transaction with Societe Generale. In the event an ‘Extraordinary Event’ were to occur whereby for example, Societe Generale becomes insolvent, and the Deposit taker was unable to match the terms of the linked transaction with another provider, the Deposit taker may not be able to maintain the returns or income stipulated for a Deposit Plan. In such circumstances the income or return investors receive from a Deposit Plan may be less than the headline rate. The investor’s Counterparty Risk with Societe Generale relates only to the terms of the income or return which can be offered by a Deposit Plan. The solvency of Societe Generale has no effect on the actual deposit.

Market risk: The deposit Plans may be subject to significant price movement at any time before maturity. If you were to withdraw from the Plan early you could get back less than your initial deposit.


Suitability test

The purpose of the suitability test is to ensure that the products and services offered meet the client’s investment objectives. In addition, it ensures that the client shall be able financially to bear the risks of the investment (including any relevant loss of capital) and that the client has the necessary experience and knowledge to understand these risks. When providing personal recommendations in relation to these Plans each Financial Adviser is required to and must have undertaken a suitability test and must only recommend products and services that are in accordance with the results of the suitability test.

Please note that Societe Generale does not provide investment advice.

https://www.handbook.fca.org.uk/handbook/COBS/9/


Product subscription and Investment services provision

In accordance with its legal and regulatory requirements (particularly under the Market in Financial Instruments Directive (“MiFID”)), and depending on the type of financial instruments involved, Societe Generale may be required to verify that the financial instruments are suitable or appropriate to client investment objectives, financial situation, knowledge and experience.

Any kind of request for subscription of a product or service offered by Societe Generale requires the acceptance of Societe Generale and implies the subscriber’s acceptance to the applicable terms and conditions, and prices.


The content of this website is provided for information purposes only. This information should not to be construed as a public offer, a solicitation from Societe Generale to the visitor of the website. None of the services and products target persons from countries which prohibit those services and products: Each person interested by subscribing products/services should assess with his/her own advisor whether his/her legal and fiscal status allows it.


Intellectual Property

This entire website is governed by French and international legislation on copyright, trademark and database law and intellectual property in general, both as they are applicable to its form (editorial choices, layout, topics, means for accessing data, display, etc.), and to its content (text, images, etc.).

Any reproduction, representation, diffusion or re-diffusion, in whole or in part, of the contents of this website on any medium or by any means whatsoever (including, but not limited to, caching, framing), as well as any sale, resale, retransmission or any other act tending to make such contents available to any third party in any manner whatsoever shall be prohibited, except preliminary written authorization of the publication manager. Failure to comply with these restrictions shall constitute a forgery engaging the civil and criminal liability of the forger.


Only the paper reproduction is authorized under conditions of a use in strictly personal purposes, a respect for the integrity of the reproduced documents, or in short quotation with clear and readable mention of the source, for example under the following form "Extracts from the site www.sgifa.co.uk. All rights reserved Societe Generale group."

The trademarks quoted on the site are protected: their reproduction or use is forbidden.

Hypertext linksSociete Generale shall not be liable for the hypertext links towards other websites, and particularly for the contents of the linked websites.

Societe Generale shall not be liable for the hypertext links towards this website.


Personal data

When you complete the contact form on the Societe Generale website, we will use your personal data to send you marketing communications about product related news, as well as sending you literature about our investment and deposit plans by post with your consent.

Your personal data will be used by the Societe Generale UK IFA sales to provide this information to you.

Unless otherwise stipulated by legal or regulatory provisions, the personal data are stored for the length of time you wish to receive this information and if you no longer wish to receive this information, please let us know.

To the extent necessary for the fulfillments of the above purposes, Societe Generale may communicate some information to its entities, service providers and partners that are not members of the European Economic Area. These transfers are processed in a manner and guarantees that ensures appropriate security and confidentiality of the personal data.

You are entitled to access your personal data, to obtain rectification and erasure, a right to restriction of processing, a right to object as well as a right to data portability from the following email address: LON-GDPR-SGLB@sgcib.com


Data protection officer

We have appointed a data protection officer (DPO) to oversee compliance of data protection laws. Our DPO can be contacted at dpo-sgil.lon@sgcib.com. You have the right to make a complaint at any time to the Information Commissioner's Office (ICO), the UK supervisory authority for data protection issues at the following address:

Information Commissioner’s Office

Wycliffe House

Water Lane

Wilmslow

Cheshire

SK9 5AF


The website uses “cookies”. A cookie is a text file which is stored by your browser which is used to authenticate you during your browsing on the website. We use cookies on our site to allow a more effective and secure navigation for the users.

For more information click here.


Safety

This website is protected by a high level of technical security, and it is under permanent monitoring. The algorithms and mechanisms, used to protect your communications with Societe Generale and the information that pertains you, comply with the French regulations in effect.

Terms & Conditions

Terms & Conditions of Societe Generale Structured Investments Website (“the Terms”)


The use of Societe Generale’s (“SG”) Structured Investment website is subject to the following Terms, which should be read carefully.

The information, services and products on this website are intended for use only by financial advisers (herein “Financial Advisers”) and are not aimed at or intended for use by retail investors or persons who are residents of any other jurisdiction, other than the United Kingdom.

The information on, and any opinions contained in, this website does not constitute, a public offer under any applicable local laws or regulation or an offer to sell, solicit for or an offer to buy any securities or financial instruments or advice or recommendation relating to such securities or other financial instruments, or representations relating to any investment strategy and or the suitability of any securities.

From time to time you should check this website page to review these Terms to ensure that you are happy with any changes, as SG reserves the right to vary the Terms at any time. Any and all changes will be posted on the SG IFA’s home page. By your acceptance of the Terms and continued use of the SG IFA website, you agree to be legally bound by any and all such changes to these Terms. Please do not continue to use the SG IFA website if you do not agree to these Terms. For an explanation of the terms defined in this website please see the Glossary, which may be accessed through the ‘Getting Started’ menu.

Should you have any questions relating to these products or Terms please contact SG at enquiries.sgifa@sgcib.com or using the telephone number 0203 100 8880.

Any investment in the products listed on the SG IFA website will be governed by the terms and conditions applicable to the product.


GENERAL

This website is made available in the United Kingdom (“UK”) by the London Branch of SG.Societe Generale is a French credit institution (bank) that is authorised and supervised by the European Central Bank (ECB) and the Autorité de Contrôle Prudentiel et de Résolution (ACPR) (the French Prudential Control and Resolution Authority) and regulated by the Autorité des marchés financiers (the French financial markets regulator) (AMF). Societe Generale London Branch is authorised by the ECB, the ACPR and the Prudential Regulation Authority (PRA) and subject to limited regulation by the Financial Conduct Authority (FCA) and the PRA. Details about the extent of our authorisation, supervision and regulation by the above-mentioned authorities are available from us on request.

The London Branch of SG is registered in the UK under branch registration number 124866, at SG House, 41 Tower Hill, London EC3N 4SG.

This website is maintained by Everlution Software on behalf of SG.

UK RESIDENTS ONLY

This website is intended only for Financial Advisers whose clients are resident in the United Kingdom. Financial Advisers should ensure that their clients are aware that holdings in these Plans may not be covered by the provisions of the Financial Services Compensation Scheme, or by any similar scheme. 

In particular, the investments can be neither offered nor transferred in the United States of America. By clicking “I Agree” to the Terms of this website and accessing the information on the website, you shall be deemed to have represented to us that you are not a U.S. person and that you are not located in the United States of America, its territories and possessions, and any State of the United States of America and that you are authorised to receive the information to and on this website.  


INVESTMENT RISKS

The Plans described within this website are not suitable for everyone. Investors’ capital is at risk. Financial Advisers should not advise their clients to invest in these Plans unless they understand their nature and the extent of their exposure to risk.

The value of these Plans may be exposed to fluctuations in rates of exchange, and these may have an adverse effect on the value or price of the Plan. Information in the website on past performance cannot be relied upon as a guide to future performance. The value of these Plans can go down as well as up and investors may get back less than their initial investment.

This disclaimer cannot disclose all the risks and other significant aspects of the Plans. You should study the risk factors attached to these products that are disclosed below and throughout this website. 


RISK FACTORS

Key risks for Investment Plans

Capital is at risk and investors could lose some or all of their capital.

If SG Issuer and Societe Generale were to default or become insolvent, the products will terminate immediately. The amount that your client receives back for their investment will depend on i) the market value of their Investment at that time and on ii) the value of the Collateral Assets at the time of expiry and your client may receive back less than your initial investment.

Liquidity risk: Societe Generale aims to provide a secondary market for the products during the investment term. However, certain exceptional market circumstances may have a negative effect on the liquidity of the products, and even render the products entirely illiquid, which may make it impossible to sell the products and result in the partial or total loss of the invested amount. There is no liquid market on which these products can be easily traded, and this may have a material adverse effect on the price at which these products might be sold. Therefore, the investor may lose part or all of the invested amount.

As with all similar structured investments, in the event of Counterparty or Issuer insolvency your client will not have recourse to the Financial Services Compensation Scheme.

Market risk: The products may be subject to significant price movement at any time before maturity, which may in certain cases lead to the loss of your entire capital invested.


Key risks for Deposit Plans

If SG Hambros Bank Limited becomes insolvent or fails to repay the amounts due, you could lose some or all of your initial deposit and any Gross Return owed to you on the Plan Maturity Date. As with any deposit, if the Deposit Taker fails to pay or becomes insolvent you may be eligible to claim under the UK Financial Services Compensation Scheme (“FSCS”) up to the scheme limits. For further information visit www.fscs.org.uk

In order to provide the performance of a Deposit Plan, the Deposit Taker will enter into a linked transaction with SG. In the event an ‘Extraordinary Event’ were to occur whereby for example, SG becomes insolvent, and the Deposit Taker was unable to match the terms of the linked transaction with another provider, the Deposit Taker may not be able to maintain the returns or income stipulated for a Deposit Plan. In such circumstances the income or return investors receive from a Deposit Plan may be less than the headline rate. The investor’s Counterparty Risk with SG relates only to the terms of the income or return which can be offered by a Deposit Plan. The solvency of SG has no effect on the actual deposit.

Market risk: The deposit Plans may be subject to significant price movement at any time before maturity. If you were to withdraw from the Plan early you could get back less than your initial deposit.

RISK WARNING

This Risk Warning is available to view at all times via a link at the top of each page. It will not appear each time you will access this website in future. However, you should refer to it periodically to remain familiar with the relevant risks associated with these Plans. 


SUITABILITY TEST

The purpose of the suitability test is to ensure that the products and services offered meet the client’s investment objectives. In addition, it ensures that the client shall be able financially to bear the risks of the investment (including any relevant loss of capital) and that the client has the necessary experience and knowledge to understand these risks. 
When providing personal recommendations in relation to these Plans each Financial Adviser is required to and must have undertaken a suitability test and must only recommend products and services that are in accordance with the results of the suitability test.

Please note that SG does not provide investment advice: https://www.handbook.fca.org.uk/handbook/COBS/9/ 


THIRD PARTY INFORMATION

Any third-party advertising, information and referral buttons containing hyperlinks are not recommendations or endorsements by SG or its respective directors, affiliates or employees.  SG accepts no responsibility for the hypertext links to other websites, for the contents of any linked websites or for any loss or damage that may arise from your use of them.  You are referred to the relevant third party for all relevant information, including complete information on that entity's investment adviser or dealer licensing status (if applicable).

SG makes no representation or warranty regarding the accuracy of any third party information and is not responsible for third party content in any way.

NO INVESTMENT ADVICE

Nothing in this website constitutes legal, tax or financial advice. None of SG, SG Hambros Bank Limited, Gilliat Financial Solutions, Marianna, Investec nor Walker Crips Structured Investments have given any such advice. Access to this website or the retrieval of any information set out on the website by a user does not mean that the user becomes a client of SG or that SG owes any duty, fiduciary or otherwise, to any such user.


ACCURACY AND RELIABILITY OF INFORMATION

The information in this website is, to Societe Generale's knowledge, reliable and accurate but this cannot be guaranteed. The views of Societe Generale reflected in this website may change without notice. Figures included in this website take no account of personal tax liability. No investment decision should be taken without reading the Final Terms relating to the particular product concerned. A copy of the Final Terms of each relevant product may be obtained from Societe Generale at 10 Bishops Square, London E1 6EG upon request.


DISCLOSURE OF INTEREST

SG or its associates may from time to time have a position, or material interest in the products described in this website or the investments underlying them. Further information on SG's potential conflicts in this regard are available on request.


ACCESSING THE SG IFA WEBSITE

While SG endeavours to ensure that the SG IFA website is usually available 24 hours a day, access to the SG IFA website is permitted on a temporary basis and SG shall not be liable if, for any reason, the SG IFA website (or any part of it) is unavailable at any time or for any period of time.  Access to the SG IFA website (or any part of it) may be suspended temporarily or withdrawn permanently and without notice, including (but not limited to) in the case of system failure, maintenance or repair or for reasons beyond SG 's control.

You are responsible for:

(a)  making all arrangements necessary for you to have access to the SG IFA website; and

(b)  ensuring that all persons who access the SG IFA website through your internet connection are aware of these Terms, and that they comply with them.


THE SG IFA WEBSITE

The SG IFA website is a financial promotion communicated by the London Branch of SG.

The SG IFA website has not been prepared with a view to any specific investment objective or financial situation or with the needs of any particular investors in mind.

Figures included in the SG IFA website take no account of personal tax liability. The tax treatment of a Plan depends on the individual circumstances of the investor and may be subject to change in future.

Any returns referred to in the SG IFA website are illustrative only and do not constitute projections of expected returns unless expressly specified as such.

SG cannot guarantee that the SG IFA website will not be subject to technical difficulties, hackers or viruses. SG will not be liable 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 proprietary material due to your use of the SG IFA website or to your downloading of any material posted on it, or on any website linked to it.

Any views, statements or representations provided for on the SG IFA website do not necessarily reflect the opinion of SG. Any views or opinions of SG that are reflected in the SG IFA website may change without notice.

SG maintains the right to modify the content of the SG IFA website or to amend the service provided by the SG IFA website at any moment and without warning.


YOUR USE OF THE SG IFA WEBSITE

The information contained in, and any opinions expressed on, the SG IFA website or in any communication containing a link to the SG IFA website are for personal use and informational purposes only.  You undertake to access and use the information contained on the SG IFA website for your own personal and non-commercial use only.

You must not misuse the SG IFA website (including, without limitation, by hacking).

You are prohibited from posting or transmitting to or from the SG IFA website any material:

(a)      that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience;

(b)      for which you have not obtained all necessary licences and/or approvals;

(c)      which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in any country in the world; or

(d)      which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data).

SG may report any such breach to the relevant law enforcement authorities and will cooperate with those authorities by disclosing your identity to them. 

If you breach any of these Terms, your right to use the SG IFA website will cease immediately.


LINKING TO THE SG IFA WEBSITE

You may not use any part of the SG IFA website on any other website or link any other website to the SG IFA website, without our prior written permission.


LIABILITY

SG gives no warranty and makes no representation regarding the accuracy or completeness of any content.

Save as set out expressly herein, SG expressly excludes all  liability for any direct, indirect or consequential loss or damage (including, without limitation, any economic loss (including, without limitation, loss of profit, income or revenue, business, contracts, or anticipated savings) or  any loss of goodwill or reputation) incurred by any user in connection with the SG IFA website, including but not limited to any liability, damage or loss arising from :

(i)  any transaction carried out on the basis of the information on the SG IFA website;

(ii) any delay, error or omission in the content of the SG IFA website or the use, the interruption or non-availability of the SG IFA website;

(iii) any loss arising from an interruption to the service;

(iv) any loss of data;

(vii) wasted management and office time;

(vi) changes made to the content of the SG IFA website by unauthorised third parties. Save as expressly set out herein, all conditions, representations, warranties and other terms which might otherwise be implied by statute, common law or the law of equity are hereby excluded to the fullest extent permitted by law.

SG shall not be held liable for the results of any factor beyond its reasonable control or for any loss or damage to your technical environment, including, but not limited to, hardware, software, or any other equipment used to access SG IFA website or use the services and/or the information herein.

SG does not guarantee, nor shall it be held liable, under any circumstance, for the suitability, fitness for any particular purpose, sequence, accuracy, absence of errors, veracity, topicality, loyal and commercial nature, quality, soundness, non-infringement or availability of the information contained on the SG IFA website.

SG does not guarantee or promise that the SG IFA website (including, but not limited to, the functions contained in it) will be updated, that access to it will be uninterrupted or error-free, that defects will be corrected and that all or any part of the content or materials or the accuracy, availability or completeness of the content of the SG IFA website are appropriate or available for use in any jurisdiction.

SG may discontinue production or updating of the SG IFA website or any part of it without notice.

While SG strives to protect your personal information and privacy, SG cannot guarantee the security of any information you disclose online. You acknowledge that you are aware of the security and privacy limitations of doing so.

Where any SG Plan is based on an index, the index provider will have no liability to you in respect of its activities in respect of that index.

Nothing in these Terms excludes, limits or restricts SG's:

(a)  duties and liabilities to you under the regulatory system;

(b)  liability for death or personal injury caused by the negligence of SG or its employees or agents; or

(c)  liability for fraud or fraudulent misrepresentation.


INTELLECTUAL PROPERTY

Any and all copyright, trade mark rights and other registered and unregistered intellectual property rights protected in any part of the world which subsist in the contents of the SG IFA website, including but not limited to texts, data compilations, logos, images, graphics, button icons, digital downloads, audio clips and software used on the website are vested in SG, its affiliates or licensors.

The name, logo and trademarks of SG and its affiliates are reproduced by permission of SG.

The SG IFA website contains numerous registered and unregistered trademarks belonging to SG and its affiliates and licensors.  If you are in doubt as to whether a mark is a trade mark of SG or its affiliates, please contact us for clarification at SG House, 41 Tower Hill, London EC3N 4SG.

Subject to the following paragraph, any copying, reproduction, transmission, publication, distribution, disclosure, dissemination, creation of derivative work or commercial exploitation, in whole or in part, of the content of the SG IFA website, including (but not limited to) any materials published on the SG IFA website in any medium or by any means whatsoever (including, but not limited to, caching and framing), as well as any sale, resale, retransmission or any other act tending to make such contents available to any third party in any manner whatsoever is strictly prohibited.

You are permitted to print and download extracts from the SG IFA website for your own personal use on the following basis:

(a)      no documents or related graphics on the SG IFA website are modified in any way;

(b)      no graphics on the SG IFA website are used separately from accompanying text;

(c)      SG 's copyright and trade mark notices and this permission notice appear in all copies; and

(d)      SG 's status (and that of any identified contributors) as the authors of material on the SG IFA website must always be acknowledged.

If you print off, copy or download any part of SG IFA website in breach of these Terms you must, at our option, return or destroy any copies of the materials you have made.


INFORMATION ABOUT YOU AND YOUR VISITS TO THE SG IFA WEBSITE

We process information about you in accordance with our cookies and privacy policy. By agreeing to these Terms, you agree to the Privacy and Cookies policy and you warrant that all data provided by you is accurate.


OTHER

SG may transfer or assign any or all of its rights and delegate or sub-contract any or all of its responsibilities under these Terms to any third party at any time without your consent. You may not assign or transfer your rights or responsibilities under these Terms without our prior written consent.

The Contracts (Rights of Third Parties) Act 1999 shall not apply to these Terms and accordingly nothing in these Terms shall be directly or indirectly enforceable by any third party, nor are they intended to confer a benefit on any third party.

In the event any of the provisions of these Terms shall for any reason be held to be invalid, illegal or unenforceable, the remaining provisions shall remain valid and enforceable.


GOVERNING LAW

These Terms shall be governed by and interpreted in accordance with English law and you irrevocably agree that the courts of England and Wales shall have non-exclusive jurisdiction to settle any and all disputes which may arise out of, under, or in connection with these Terms or use of this SG IFA website.


I confirm that I am an Independent Financial Adviser and have read and agree to the Terms and Conditions of this website and the Privacy & Cookies policy.

By clicking “I Agree” to the Terms of this website and accessing the information on the website, you shall be deemed to have represented to us that you are not a U.S. person and that you are not located in the United States of America, its territories and possessions, and any State of the United States of America and that you are authorised to receive the information to and on this website.