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Terms & conditions

We do our best to ensure that the web site operates properly at all times, but we make no warranties as to the availability or accessibility of the web site, and (save as otherwise set out in these terms and conditions) we will not be liable for any damages, loss, costs or expenses incurred by you as a result of any lack of availability or accessibility of the web site.

Nothing within these conditions operates so as to exclude, limit or restrict our liability for death or personal injury.

Where you deal as a consumer, nothing in the above exclusions affects your statutory rights.

All Intellectual Property Rights and goodwill in or relating to the contents of the web site belong to either ourselves or to our suppliers.

©2015 St. James's Place plc. All rights reserved. "St. James's Place" and the St. James's Place Logo are trademarks of St. James's Place plc.

Nothing contained in these conditions or the web site should be construed as granting by implication, estoppel, personal bar, or otherwise, any licence or right to use any of the trade marks without our permission. However, copying and printing of those web pages which contain the trademarks is permitted within the scope of the licence below.

You may download to a local hard disk and print extracts from the web site solely for personal, non-commercial use. You may also recopy downloaded extracts to others for their personal, non-commercial use.

You may not reproduce part or all of the contents of the web site in any form unless it is for personal, non-commercial use.

You may not copy or otherwise incorporate into or store in any other web site, electronic retrieval system, publication or other work any of the content of the web site in any form (whether hard copy, electronic or other).

You may not frame or link to the web site or any part of it without our express permission.

We may use information obtained about you from cookies (files which are sent by us to your computer or other access device) which are created when you visit our site. The type of cookies that we use (known as session cookies) only give us information about which pages you have visited – they do not store any personal information about you. We use the information gathered to help improve your experience of using the site, and to provide us with information about which pages are most popular. The cookies only work for as long as you stay on the site, and will not identify you or reconnect when you revisit our site. If you want to delete any cookies that are already on your computer, please refer to the instructions for your file management software to locate the file or directory that stores cookies. Our cookies will have the file names *@sjp.co.txt. If you want to stop cookies being stored on your computer in future, please refer to your browser manufacturer's instructions by clicking "Help" in your browser menu. Further information on deleting or controlling cookies is available at aboutcookies.org. Please note that by deleting our cookies or disabling future cookies you may not benefit from features of our site.