Please read through the following terms and conditions as, by using this web site, you agree to be bound by them:

1. General Disclaimer

The content of this site is provided for general information purposes only and any opinion expressed in this site does not constitute an offer to provide any product or service except where expressly indicated. Although care has been taken to ensure the accuracy of content, Friends Life accepts no liability for loss of any kind incurred as a result of reliance on the information or opinions provided on this site. Notwithstanding paragraph eight below Friends Life may make changes to the information, products or services described in this site at any time without updating changes in the site. References on this site to Friends Life include references to the Friends Life group of companies

This website contains both public and protected pages and links to other Friends Life sites that provide online services. Any information transmitted to Friends Life through public pages is not encrypted and could be intercepted by third parties or electronically delivered to parties other than the addressee. Any such information is sent at your own risk and you should therefore carefully consider its sensitivity prior to transmitting it.

Some pages of the website offer the facility to email us with an enquiry. Email is not a secure medium of communication. For this reason, we request that you do not send private information to us by email.

The protected pages of this site, which form our online services, are however protected by access via a secure server. Pages utilising this technology will have URLs that start with HTTPS instead of HTTP. This ensures all information transmitted between your browser and our server is encrypted. In addition, in order to use the online services, you must have a valid user name and password. Data transmitted via the secure server is stored on our databases, which are protected by further security measures (such as firewalls), and may only be accessed by authorised users.

Please contact us if you have any questions or concerns.

The secure adviser online services have separate Terms and Conditions of Use which advisers must accept to be able to access and use those online services.

We have also included links to third party websites in this site for your convenience. By giving access to such sites, we are not making any statement, warranty or pre-presentation as to the quality or contents of the other site as we do not have responsibility for that other site. Please note that when accessing another site by way of a hypertext link you may leave the Friends Life site.

Information transmitted to Friends Life through this web site is not encrypted and could be intercepted by third parties or electronically delivered to parties other than the addressee. Any such information is sent at your own risk and you should therefore carefully consider its sensitivity prior to transmitting it.

Friends Life does not seek to exclude or limit any liability it may have under the Financial Services and Markets Act 2000 or the rules of its Regulators.

2. Copyright

Unless otherwise stated copyright in the whole and every part of this site belongs to Friends Life Limited or other Friends Life companies and may not be used, sold, licensed, copied or reproduced in whole or in part in any manner or form or in or on any media to any person without prior written consent.

Friends Life and the Corporate Rose Logo are registered trademarks of Friends Life Companies. You may not use these marks without prior consent. Friends Life may also claim rights in other trade marks, service marks and logos contained on this site.

You may provide hyperlinks to this site only with our prior permission. You may request such permission by sending an email to Friends Life. Please include in your request your name, address, telephone number and a brief description of your site and why you would like to establish a link to this site.

3. The law

This web site is established in the United Kingdom. These Terms and Conditions and the use by you of this web site are governed by English Law. By accessing this web site you agree to submit to the exclusive jurisdiction of the English Courts in relation to any claim or dispute arising out of your use of the site.

These terms of use represent the complete and only statement of the terms of use of this web site.

4. My Portfolio within the Financial Organiser

Friends Life receives its data feed from Financial Express Prestel. While care is taken in the compilation of the Data, Financial Express Limited and Friends Life do not in any way warrant the accuracy or completeness of the Data, or in its fitness for the purpose the user intends of it. Price data is delayed by up to 20 minutes. Press the refresh button to update.

Notes:

Purchase Cost: The amount, in pounds sterling, that you paid for the investment. Portfolio Value is based on the number of units held of an investment multiplied by the lower quoted price of that investment (in the case of equities this is the number of shares multiplied by the Bid price quoted).

Portfolio Gain +/-: This is the percentage change in the value of the investment over the original purchase cost of the investment.

Bid: The bid price shows the price at which market makers will buy stock from you. It is taken as the highest bid price being quoted by a number of market makers.

Offer: The offer price shows the price at which market makers will sell the stock to you. It is taken as the lowest price being quoted by a number of market makers.

Investment Warning:

Past performance is not necessarily a guide to future performance. The value of investments and any income from them is not guaranteed and can go down as well as up depending on market movements. You may not get back the original amount invested.