Legal information

Introduction

Using any of the pages on this site indicates that you accept the terms of this Legal information notice ("Notice"). If you do not accept these terms, please leave the pages of this site immediately. This Notice is issued by Standard Life Employee Services Limited.

We may update the terms of this Notice from time to time by updating this page. You should revisit this page regularly to ensure that you have seen and are aware of the current terms, as they are binding on you.

Certain provisions in this Notice may be superseded by expressly designated notices or terms located on particular pages of the site.

In this Notice and the pages of this site, any reference to "abrdn", "we", "our" or "us" means Standard Life Employee Services Limited; and “abrdn group” means abrdn plc and its subsidiaries.

This website describes products and services provided by subsidiaries of the abrdn group.

Companies and regulatory details

Corporate Group:

abrdn plc (SC286832) and Standard Life Employee Services Limited (SC271355) are both registered in Scotland at 1 George Street, Edinburgh, United Kingdom, EH2 2LL. Standard Life Employee Services Limited is a wholly owned subsidiary of abrdn plc.

The abrdn group VAT number GB270347469.

Financial Planning & Advice:

abrdn Financial Planning and Advice Limited is registered in England (01447544) at Bow Bells House, 1 Bread Street, London, England, EC4M 9HH and is authorised and regulated by the Financial Conduct Authority. Abrdn Financial Planning and Advice Limited is a wholly owned subsidiary of abrdn plc.

‘abrdn’ is a trading name used by Fraser Heath Financial Management Limited, which is part of the abrdn group (abrdn plc and its subsidiaries). Fraser Heath Financial Management Limited is registered in England (04357058) at Bow Bells House, 1 Bread Street, London, England, EC4M 9HH and is authorised and regulated by the Financial Conduct Authority.

‘abrdn’ is a trading name used by Cumberland Place Financial Management Limited, which is part of the abrdn group (abrdn plc and its subsidiaries). Cumberland Place Financial Management Limited is registered in England (8948895) at Bow Bells House, 1 Bread Street, London, England, EC4M 9HH and is authorised and regulated by the Financial Conduct Authority.

Abrdn Client Management Limited is registered in Scotland (SC193444) at 1 George Street, Edinburgh, EH2 2LL and is authorised and regulated by the Financial Conduct. Abrdn Client Management Limited is a wholly owned subsidiary of abrdn plc.

abrdn Choices App:

The abrdn Choices app is provided by abrdn Client Management Limited, which is registered in Scotland (SC193444) at 1 George Street, Edinburgh, EH2 2LL. It is authorised and regulated by the Financial Conduct Authority under registration number 435970. Abrdn Client Management Limited is a wholly owned subsidiary of abrdn plc.

ISA & Personal Portfolio:

Our Stocks & Shares ISA and Personal Portfolio are provided by Standard Life Savings Limited, which is registered in Scotland (SC180203) at 1 George Street, Edinburgh, United Kingdom, EH2 2LL. It is authorised and regulated by the Financial Conduct Authority under registration number 188796. Standard Life Savings Limited is a wholly owned subsidiary of abrdn plc.

Intended audience

The pages of this site are intended for the information of residents of the United Kingdom ("UK"), unless otherwise stated.

General disclaimers and terms

While we have taken all reasonable care to ensure that the information contained within the pages of this site is accurate, current and complies with relevant UK legislation and regulations as at the date of issue, errors or omissions may occur due to circumstances outside our control.

We reserve the right to change the content, presentation, performance, facilities and availability of all or part of the pages of this site at our sole discretion and without prior notice.

We make no warranty or representation that the pages of this site can be accessed at all times during the UK hours of business stated on this site. While we will endeavour to ensure the pages of this site can be accessed during the UK hours of business, this site may be temporarily unavailable or restricted for administrative or other reasons. If this happens, we will try to restore their availability as quickly as possible. We will not be liable for any loss or damage arising out of or in connection with the loss of the use of this site.

We accept no responsibility for information contained in any other sites which can be accessed by hypertext link from the pages of this site, or for these other sites not being available at all times. The links to any other sites are provided for general information purposes only and the sites concerned and their contents are not endorsed or promoted by us in any way, unless otherwise stated. Please note that when you click on any external site hypertext link, you will leave our site and access the external site at your own risk.

Advice

Nothing on the pages of this site constitutes financial, legal or other professional advice in any way and you should consult your financial adviser or other professional adviser if you require any financial, legal or other professional advice.

Copyright and trade mark

© 2021 abrdn, reproduced under licence. All rights reserved.

Copyright in the pages of this site, in the screens displaying the pages and in the information and material contained therein and their arrangement, is owned by Standard Life Employee Services Limited, or such other member of the abrdn group as Standard Life Employee Services Limited may direct, unless otherwise indicated.

Certain images and content used in the pages of this site are reproduced under licence.

Standard Life Employee Services Limited and other members of the abrdn group may claim trade mark rights in brands contained within the pages of this site.

Reproduction of the pages of this site in whole or in part, without the prior written consent of Standard Life Employee Services Limited, or such other member of the abrdn group, as Standard Life Employee Services Limited may direct, is strictly prohibited unless for private, non-commercial viewing purposes.

Google Play is a registered trademark of Google LLC.

Apple and the Apple logo are trademarks of Apple Inc. App Store is a service mark of Apple Inc.

E-mail

Please note that there is no guarantee that any e-mail sent will be received, or that the contents of any such e-mail will remain private or unaltered during Internet transmission. If you have any such concerns, you may prefer to telephone or write to us instead. We accept no liability for any damages you or others may suffer as a result of the alteration or loss of confidentiality of any such information.

We virus scan and retain all electronic communications (including emails). However, we recommend that you employ reasonable virus detection and protection measures when accessing any emails or electronic messages from us.

We reserve the right to monitor the use and content of e-mails which are sent from and received by us for the purposes of ensuring compliance with our own e-mail policy, and identifying and taking action against unlawful or improper use of, or attacks on, our systems.

Computer misuse

We recommend that you employ reasonable virus detection and protection measures when accessing the pages of this site. We will not be liable for any loss or damage resulting from any attack by a third party on our systems or for any computer virus or other malicious or technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of this site.

Downloads

Any software, multimedia files, photographs, reports and other documents are downloaded at your own risk. We do not warrant the suitability of any such downloads and accept 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 any such downloads for your computer, it is recommended that you obtain specialist advice before downloading.

Financial Services Compensation Scheme (FSCS)

The Financial Services Compensation Scheme (FSCS), established under the Financial Services and Markets Act 2000, has been set up to provide protection to consumers if authorised financial services firms are unable, or likely to be unable, to meet claims against them. Accordingly you may be entitled to compensation from the FSCS if such a firm cannot meet its obligations, depending on the type of business and the circumstances of the claim. For further information on the compensation available under the FSCS please check their website www.fscs.org.uk or call the FSCS on 0800 678 1100. Please note only compensation queries should be directed to the FSCS.

If you have any further questions, you can speak to your financial adviser or contact us directly.