Important: all access to and use of this website is subject to the following terms and conditions
This website is owned and operated by The Scottish Investment Trust PLC. Any financial promotion included in this website has been approved by its wholly owned subsidiary SIT Savings Limited, which is authorised and regulated by the Financial Services Authority.
Entry to and any use of this website constitutes your agreement to abide and be bound by the Terms and Conditions below and as amended from time to time. Furthermore, due to the legal and regulatory restrictions applicable to investment saving schemes, it is essential that you read, understand and accept these Terms and Conditions. These Terms and Conditions are in addition to any other agreements entered into between you and The Scottish Investment Trust PLC and SIT Savings Limited.
If you do not agree to all of the Terms and Conditions below, please leave this website immediately. If you have any queries relating to these Terms and Conditions, please e-mail us by clicking on this link.
These Terms and Conditions, and your acceptance thereof, form a contract between you ("you") and The Scottish Investment Trust PLC and SIT Savings Limited (together "SIT").
2. Regulatory information
This website is intended for your personal, non-commercial use only, unless you and SIT have agreed otherwise in writing.
SIT products are available to United Kingdom residents only and the information and products contained within this website should only be accessed by United Kingdom residents. By proceeding, you are representing and warranting that you are not resident in a jurisdiction outwith the United Kingdom. If you are unable to make this representation and to give this warranty, you should leave this website immediately.
The information contained in this website is not intended to be an offer or solicitation to deal in investments in any way in any jurisdiction in which such offer, solicitation or distribution would be unlawful, including, but not limited to, the United States of America.
We strongly recommend that you refer to the Key Features documents relating to all of the products available or referred to on this website before applying for any product or securities available on or referred to within this website.
SIT Savings Limited is the plan manager of the various products referred to within this website and is authorised and regulated by the Financial Services Authority. SIT Savings Limited is not authorised to offer investment advice to individual investors and nothing contained within this website should be considered to be or relied upon as constituting investment advice. Unless otherwise specified in this website, it is your responsibility to determine the suitability of any investment for you based on your own objectives and your own personal and financial situation. You are strongly recommended to take independent financial, tax and/or legal advice before entering into any financial transaction or applying for any of our products.
You are advised that the levels and bases of, and reliefs available from, taxation can change, and any present or future tax reliefs available in respect of an investment in a SIT Savings Limited product depend on your individual circumstances. Market and currency movements may cause the value of investments and the income and other returns from them to fall as well as rise and you may get back less than you invested when you decide to sell your investments.
The price of any securities mentioned within this website and the income payable in respect thereof may go down as well as up and any past performance figures shown are not indicative of future performance. Changes in exchange rates may cause the value of underlying overseas investments to go down as well as up.
SIT has a long term policy of borrowing money to invest in equities in the expectation that this will improve returns and, should stockmarkets fall, such borrowings would magnify losses on these investments. For planning purposes, an investment in The Scottish Investment Trust should be viewed as a long term commitment.
The copyright in any material on this website is owned by SIT or used by SIT under licence and is protected by the copyright laws of the United Kingdom, international copyright treaties and all other applicable copyright and intellectual property laws. You are entitled to copy any information for your own personal non-commercial viewing purposes only, but you may not otherwise copy, distribute, modify or post information on this website. You may not remove any trade marks, product identification, copyright notices or legends or other notices or proprietary restrictions from any of the material or information contained on this website, except with the prior written consent of SIT. Any unauthorised use, downloading, retransmission or other copying or modification of any of the content of this website (including any text, graphics, designs or logos) may be in breach of statutory or common law rights which could be the subject of legal action. All rights not expressly granted herein are reserved by SIT.
4. Trade marks
All names, words, titles, phrases, logos, icons, graphics or designs on any of the pages of this website constitute trade names, registered trade marks or unregistered trade marks of SIT or any of its associated companies, except third party trade marks or trade names which are the property of their respective owners. The display of such trade names or trade marks on this website does not imply that any licence has been granted to you or any other third party in respect of the same. All rights to use any SIT trade names or marks (registered or unregistered) are reserved by SIT. The appearance or absence of products, services, companies, organisations or advertising of third parties on this website does not imply and should not be taken as any endorsement or non-endorsement thereof by SIT. Third party marks, product or company names and devices, logos, icons, graphics or designs referred to on this website are exhibited only in such a manner as is intended to be for the benefit of their respective third party owners and SIT intends no infringement of such trade marks.
5. Content and variation
You are prohibited from posting or transmitting any unlawful or offensive material or any material which constitutes or encourages conduct that would be considered a criminal offence, likely to give rise to civil liability, or otherwise violates any law. No links may be created to this website without the prior written consent of SIT.
The information, content, materials and functions contained in this website including, without limitation, text, graphics, links or other items are provided on an "as is" basis, and to the fullest extent permitted by law, SIT accepts no liability in respect thereof and SIT does not warrant that any defects or inaccuracies will be corrected. All content on this website is presented as at the date indicated and such content may be subsequently superseded by market events for any reason.
Your use of this website is governed by the version of the Terms and Conditions in effect on the date on which you access this website. While SIT has taken all reasonable care to ensure that the information contained within this website is accurate, current and complies with all applicable UK legislation and regulations as at the date of issue, errors or omissions may occur as a result of circumstances which are beyond its control. SIT reserves the right at any time and without notice to change, amend or otherwise vary these Terms and Conditions and the content of this website and by virtue of you continuing to use this website you accept such changes, amendments or variations. You should review the most current version of these Terms and Conditions by clicking on the Legal hyperlink located at the bottom of each webpage. Although every effort will be made by SIT to ensure that the information is updated regularly and that such updates are accurate, SIT accepts no liability for any loss or damage suffered by you as a result of reliance upon such amendments or updates. In view of the above, SIT advises you to confirm, assess and/or seek independent advice on the accuracy of any information before seeking to rely on such information.
6. Information and data protection
All information (including, but not limited to, ideas, suggestions, concepts and graphics) submitted to SIT through this website or by e-mail by you is and shall be the exclusive property of SIT and you assign all rights in and to the same to SIT. Save as set out in these Terms and Conditions, SIT will not be subject to any obligation of confidentiality and will be free to use such information for any purpose.
To the fullest extent permitted by applicable law, SIT shall not be liable to you or to anyone else for any direct or indirect, special, incidental or consequential loss or damage whatsoever or for any trading losses, loss of profits, contracts, data, goodwill, work stoppage or computer failure howsoever caused including, without limitation, any such losses or damages as may arise from or in connection with the use of or inability to use, interruption to, delay or the unavailability, operation or transmission of, this website, or from computer viruses or other contaminants, even if SIT has been advised of or should have foreseen the possibility of such loss or damage. Nothing within these Terms and Conditions shall exclude SIT's liability for its, its officers' or its employees' fraudulent acts or omissions.
SIT excludes any liability for any errors in, or omissions from, information, materials and functions included in this website except to the extent that such liability may not be lawfully excluded under the applicable law. To the fullest extent permitted by applicable law, SIT disclaims all such liability arising from its or its employees', directors' or sub-contractors' negligence.
SIT excludes all liability for any loss arising as a result of a cause which is beyond the control of SIT, including failure of electronic or mechanical equipment of any kind, failure of communication systems (including telephone, cable or internet) unauthorised access, theft, operator error or any other force majeure.
SIT is not responsible for nor shall it be liable for the content of other websites or home pages which are linked to this website. SIT shall have no liability in respect of material hyperlinked to this website which may be misleading, inaccurate, defamatory, threatening or obscene or otherwise not in accordance with any applicable laws from time to time in force. The provision by SIT of a link to another website from this website does not constitute any authorisation by SIT to you to access materials held at that location, nor is it evidence of any endorsement by SIT of the information, content or other material held, published or made available there. You will be notified at the point that you leave this website (and the protection within it) when using any such link and you access the external website at your own risk.
Nothing in these Terms and Conditions shall limit SIT Savings Limited's liability under the regulatory system.
SIT operates this website from Scotland and makes no representation that the information contained on this website is appropriate or available for use in other locations outside the United Kingdom.
As a condition of your use of this website you agree to indemnify and hold SIT and its third party providers harmless from and against any and all claims, losses, liability, costs and expenses (including legal fees and costs) arising from your use of this website or from violation of any of these Terms and Conditions by you.
SIT reserves the right to terminate your access to and use of this website at any time and for any reason without prior notice.
8. Governing law and jurisdiction
These Terms and Conditions shall be governed by and construed in accordance with Scots law. You agree to submit to the non-exclusive jurisdiction of the Scottish courts. You are responsible for compliance with any applicable laws of the country from which you are accessing this website.
© 2008 The Scottish Investment Trust PLC. All rights reserved
Last updated 8 July 2008