Legal

Our trading name for ‘Scottish Equitable plc’ has changed to ‘AEGON Scottish Equitable’. From now on you’ll see us referring more and more to AEGON Scottish Equitable (although a complete change over will take us some time, and you may see references to both in what we give you). The use of a trading name doesn’t change the legal basis of the relationship we (Scottish Equitable plc) have with you.

IT IS IMPORTANT THAT YOU READ THIS PAGE. IT CONTAINS IMPORTANT INFORMATION. BY ACCESSING THIS WEBSITE, YOU WILL BE DEEMED TO HAVE AGREED TO WHAT IS SET OUT BELOW .

1. This website is published by Scottish Equitable plc, Edinburgh Park, Edinburgh EH12 9SE (Registered in Scotland, No 144517) (VAT Regn. No. GB 502 2291 95). Scottish Equitable plc is authorised and regulated by the Financial Services Authority. Member of the AEGON Group.

The brands used by Scottish Equitable plc are AEGON Scottish Equitable, AEGON Trustee Solutions and AEGON Actuarial Services.

Any reference in this website to AEGON Scottish Equitable International refers to the products and services offered by AEGON Scottish Equitable International plc, 2nd Floor, IFSC House, Custom House Quay, Dublin 1. (Registered No 346275). Authorised by the Financial Regulator in Ireland and regulated by the Financial Services Authority for the conduct of UK business. Member of the AEGON Group.

2. Products and Investments
Risk Factors: -

Benefits are not guaranteed and the value of investments may go down as well as up.
Past performance of investments is no guarantee of future performance.
Equities and investment bonds are considered long-term investments and are not directly comparable with typical bank or building society accounts where your capital is more secure and can be accessed at any time with little or no penalty.
The risk rating for each of our funds is based purely on its risk relative to other funds in our full fund range and not against industry benchmarks.
All references to taxation are based on AEGON Scottish Equitable's understanding of current taxation law and Inland Revenue practice which may change.
The value of any tax relief depends on your financial circumstances.
Smoothing adjustments on our With-Profits funds will not be able to counteract the impact of a sustained decline in investment returns.
All individual protection benefits are provided by Scottish Equitable plc and are only payable in the event of a claim. The full terms and conditions of your policy are contained in your policy conditions, samples copies of which are available on request.
All group risk covers are provided by Scottish Equitable plc. This provides pure protection. Benefits are paid in the event of a valid claim during the chosen term. In the absence of a claim, there is no cash value.

3. Information, Not Advice: This website is for information only and is subject to change without notice. It is not intended to offer advice and is not to be taken as in any way offering advice.

This website is not in any way an offer to sell AEGON Scottish Equitable products and/or the suitability of a fund. If you want advice on any product, please speak to your Financial Adviser.

4. Leaving the Website: After you leave this website (whether knowingly or not), AEGON Scottish Equitable is not responsible in any way for any other pages, websites or other thing that you access, and the results of accessing them. In particular, you may be going to a website whose originator is not regulated by the Financial Services Authority.

6. United Kingdom Residents: This website is issued in the United Kingdom and is intended for the information and use of United Kingdom residents only.

7. Downloading Information: Please note that any downloading of software or information is done at your own risk. AEGON Scottish Equitable does not warrant the suitability of anything that is downloaded and accepts no liability for any problems that may arise as a result. If you are in any doubt about downloading anything, we recommend that you take specialist advice before downloading.

8. E-mail: AEGON Scottish Equitable does not guarantee that any e-mail sent to us will be received, or that the contents will remain private during transmission. If you are concerned about this, then please consider other means of communication. You will be responsible for ensuring that any electronic message or information you send to us is free from any virus or defect that may harm our systems in any way .

9. Website Availability: AEGON Scottish Equitable does not guarantee that this website will be available at all times. Further, this website may be withdrawn at any time without notice. AEGON Scottish Equitable shall not be liable in any way if this website is unavailable or withdrawn.

10. General:
(a) AEGON Scottish Equitable has taken care concerning the accuracy and integrity of what is on this website. However, AEGON Scottish Equitable is not to be held liable in any way for any errors and/or omissions concerning what is on, or is omitted from, this website.
(b) AEGON Scottish Equitable will not be liable in any way for the results of any unauthorised access to this website, or any unauthorised alteration to this website.
(c) The terms of, and use of, this website shall be governed by the law of that part of the United Kingdom in which the user resides.

11. Data Protection: For the purposes of the Data Protection Act 1998 (“the Act”) the data controller for AEGON Scottish Equitable, AEGON Trustee Solutions and AEGON Actuarial Services is Scottish Equitable plc.

We take care to protect the privacy of our customers and users of this website. More information on the treatment of your personal information is described in the Privacy Policy on this web site.

You have the right to obtain copies of all the personal information that we hold about you. In accordance with the Act, we currently charge a fee of £10 for this service.

The Act requires us to notify the Information Commissioner’s Office with the purposes for which we use personal data and the parties to whom we may disclose that data. This information is available for public inspection at The Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF.

12. Genetic Tests Approved by GAIC Which May Need to be Disclosed to Insurance Companies

You do not need to tell us about any genetic test result you have had if your application for insurance, taken together with any other policies you already have with this company or any other company, totals to:

£500,000 or less for life assurance
£30,000 or less for Income Protection insurance
£300,000 or less for other types of insurance

Above these limits, you may need to tell us about certain genetic test results when applying for certain types of insurance. We will only be interested in a genetic test result where the Government's Genetics and Insurance Committee (GAIC) has approved it for insurers to use with the type of insurance you are applying for.
Currently, the only test results which have been approved by GAIC are:


Test	Type of Insurance
Huntington's Disease	Life Assurance

If the life proposed wishes to disclose to us a genetic test result, which shows that they have not inherited a genetic disorder, we will take this into account in setting their premium, provided their clinical geneticist confirms that the test result indicates a reduced risk of developing the inherited disease.
The above represents the current position as at 17/6/05