The views and opinions contained herein are those of Benchmark Financial Planning. They do not necessarily represent views expressed or reflected in other Benchmark Financial Planning communications, strategies or funds and are subject to change. This website is intended to be for information purposes only and it is not intended as promotional material in any respect. The material is not intended as an offer or solicitation for the purchase or sale of any financial instrument. It is intended for, and is relevant to, recipients in the UK only and should not be relied upon by persons of any other jurisdiction. All of our services and those of other members of Benchmark Financial Planning are governed by separate client terms and conditions relating to those services. The material is not intended to provide, and should not be relied on for, accounting, legal or tax advice, or investment recommendations. Information herein is believed to be reliable, but Benchmark Financial Planning does not warrant its completeness or accuracy. The data has been sourced by Benchmark Financial Planning and should be independently verified before further publication or use. No responsibility can be accepted for error of fact or opinion. Benchmark Financial Planning is not responsible for the accuracy of the information contained within linked sites. Reliance should not be placed on the views and information in the document when taking individual investment and/or strategic decisions. Past Performance is not a guide to future performance and may not be repeated. The value of investments and the income from them may go down as well as up and investors may not get back the amounts originally invested.
Recording of calls:For security, telephone calls may be recorded or monitored.
Links to other Web Sites:On this web site you may be offered automatic links to third party web sites which we hope you will be interested in. These links are provided only as convenience. Benchmark does not accept any responsibility for the content of those web sites or your use or inability to use such web sites, the owners of which do not necessarily have any link, commercial or otherwise, with Benchmark. The inclusion of any link does not imply affiliation, sponsorship, endorsement, verification or monitoring or approval by Benchmark of any information contained in any third party web site. You should also be aware that the terms and conditions of such web site and the web site's statement relating to the collection and use of your personal information may be different from those applicable to your use of this web site.
Data protection:See the Schroders Privacy Statement relating to the collection and use of your personal information. Personal information provided by you will be held in confidence by Schroders and will not be passed on by Schroders to other product or service companies except as permitted by the important information or the Schroders Privacy Statement.
Accuracy of information:We use all reasonable skill and care in compiling the information. However, errors or omissions in the information may occur because of a number of factors which are inherent in any Internet access system and are not within our reasonable control. For example, unauthorised access to this service, or the effects of machine, software or operator error or malfunction in connection with data transmission. This service is accurate only on the date that such information is supplied by Schroders via its Internet service. The relevant date for any particular information is the date printed on the page on which the information appears. In view of the above, Schroders advises you to confirm the accuracy of any information with Schroders before seeking to rely on such information.
Copyright:The copyright and all other rights in all of the material on this web site are owned by the company listed on the web page or the material is included with the permission of the rights owner. The information contained in this web site is intended solely for the use of the person who has accessed this information and may not be reproduced, distributed or published to any other person. You may copy material on this web site for your own private or domestic use only. All other copying is prohibited.
Our website is operated by the issuing entity noted below. By ‘we’, ‘our’ and ‘us’ we mean the relevant Issuing Entity. By ‘Benchmark Capital Limited’ we mean all or any direct and indirect subsidiary of Benchmark Capital Limited (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 regulator). 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.
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.
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.
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.