Terms of Use
Please ensure that you read this information with care before using this site as it specifies the terms and conditions ('Terms') which govern your use of and access to the site. We would recommend that you read this information each time you visit the site. By using and accessing any part of this site, you shall be deemed to have accepted these Terms in full. If you do not accept these Terms, you should not use this website.
This website is owned by: Northern Rock (Asset Management) plc ('Northern Rock Asset Management', 'we', 'our', 'us' or 'the company'), Company Registration Number 3273685, whose registered office is at Northern Rock House, Gosforth, Newcastle upon Tyne, NE3 4PL
The following provisions apply to the users of this site:
Audience
Northern Rock Asset Management is a company registered in the UK and the products on this site are only available in the UK.
This site complies with all appropriate UK legislation and although accessible by others, is to be used only by persons who access it from within the UK. The services and information appearing on the pages of this site are solely available to, and intended for use by, individuals resident in the UK. Northern Rock Asset Management makes no representations that information on this site is appropriate or available for use in any other locations. Users who access this site from other locations do so on their own initiative and risk.
No information on this site should be construed as a promotion or solicitation for any services, which is not authorised by the laws and regulations of your place of residence or domicile.
Contents
The content of this site is provided for general information purposes only and does not constitute financial, investment, legal, tax or other advice. Neither the information nor opinions expressed in this site constitute an offer to provide any product or service. These Terms are subject to change and update by Northern Rock Asset Management from time to time without notification, save those areas governed by the Financial Services Authority (FSA) and Banking Code (see Banking Code below). Your continued access to, and/or use of, this site will constitute your acceptance of such changes. You should periodically revisit this page and these Terms and relevant pages on this site to review the current position as it is binding on you.
You agree that you will not use this site for any unlawful purpose or in breach of English law or any other law applicable to your use of the Internet.
Intellectual Property Rights
The entire content of this site is subject to copyright with all rights reserved and the information held is for your personal use only. You may not download (all or in part), transmit or modify the site without our prior permission. However, you may print out part or all of the site for your own personal use.
All rights not expressly granted by us in these Terms are reserved.
This site contains numerous trademarks belonging to Northern Rock Asset Management. All brand names and product names referred to in this site are trademarks or trade names of Northern Rock Asset Management.
Disclaimer
While Northern Rock Asset Management has taken reasonable care to ensure that the information on this site is accurate, we give no warranties, representations or undertakings (express or implied) as to the accuracy and completeness of the material on the site. Opinions and any other contents at the site are provided by us for personal use and information purposes only and are subject to change without notice.
Exclusion of Liability
Northern Rock Asset Management is not responsible in any event including (without limitation) negligence for any losses of any kind, injury or damage, including (without limitation) direct or indirect, incidental, special or consequential damages, expenses or losses arising out of, or in connection with your use or inability to use this site, or in connection with any error, omission, defect, computer virus or system failure, or loss of any profit, goodwill or reputation, even if expressly advised of the possibility of such loss or damages, arising out of or in connection with the access or use of this site or linking to other sites from this site.
We do not exclude our duties or liabilities under the Financial Services and Markets Act 2000 or for any other liability which would cannot be excluded or limited under applicable law.
We reserve the right to modify, suspend or discontinue, temporarily or permanently, the site or any part of it, without notice, at any time. You agree that we shall not be liable to you or to any third party for any such modification, suspension or discontinuance of the site.
Third Party Products, Services and Websites
This site may from time to time refer to third party products and services. We do not warrant, and are not responsible for, the quality or availability of such products and services. We are not responsible for any direct of indirect loss you suffer in connection with the products or services of third parties which are featured on or linked to our site.
This site may provide links which lead to the websites of third parties, such links are not an endorsement by us of any products or services of such websites. You use such links entirely at your own risk. Northern Rock Asset Management does not control these third party websites and does not accept any responsibility for the content, availability or operation of such sites. Northern Rock Asset Management has not verified the truth or accuracy of such websites.
Any claim relating to any third party product, service or website must be made against the third party provider.
You or any third party are not permitted to link any other website to this site without Northern Rock Asset Management’s prior written consent.
Financial Services Compensation Scheme (FSCS)
Northern Rock Asset Management is a member of the FSCS established under the Financial Services and Markets Act 2000.
Further information about the FSCS and eligibility for the FSCS can be found on the website www.fscs.org.uk.
Regulatory Supervision and Compliance
Northern Rock Asset Management plc is authorised and regulated by the Financial Services Authority. Northern Rock Asset Management is entered in the FSA's Register and its FSA Register number is 106081. For more information visit www.fsa.gov.uk/register.
Complaints
Northern Rock Asset Management operates an Internal Complaints Procedure. You can request a copy of the Guide to our Internal Complaint Procedure. This guide outlines our complaints handling procedures and the availability to customers of the Financial Ombudsman Service scheme, which provides for independent adjudication on any complaint which cannot be resolved through our Internal Complaint Procedure. Their contact details are as follows:
The Financial Ombudsman Service (FOS)
South Quay Plaza
183 Marsh Wall
London E14 9SR
Helpline: 0845 080 1800
Switchboard: 020 7964 1000
Website: www.financial-ombudsman.org.uk
The Lending Code
Northern Rock (Asset Management) subscribes to the Lending Code. This is a voluntary code followed by Financial Organisations, which sets standards of good lending practice. Northern Rock (Asset Management) is happy to supply full details of the Lending Code upon request.
Governing Law
Use of this site is subject to the laws of England and Wales which shall exclusively govern the interpretation, application and effect of these Terms. By accessing this site you agree to submit to the exclusive jurisdiction of the UK courts over all claims or disputes arising in relation to, out of or in connection with this site and its use. If any provision of these Terms shall be held to be unlawful, void or unenforceable for any reason then such provision shall be deemed severed and shall not affect the validity and enforceability of the remaining provisions.