Terms and privacy

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The use and access of pages on the Insight Investment website is subject to the terms and conditions set out below. By using or accessing any part of our website, you agree to be bound by these terms, which may be amended by us at any time by updating them on our website.

The material on our individual country websites is only directed at those persons resident in that particular jurisdiction. It is not aimed at any persons in any other jurisdiction, and is not an offer or invitation to such persons. Any applications or requests for further information from persons outside of the jurisdictions where our funds or services are registered may be refused at Insight Investment's discretion.

Opinions expressed whether in general, on the performance of individual funds or in a wider economic context represent the views of the contributor at the time of preparation. They are subject to change and should not be interpreted as investment advice.

Information on these pages may not be suitable for all investors. Parts of this site contain products that are suitable for professional and institutional investors only. It is important you do not rely upon the content of this site for investment decisions. If you are a private investor please contact a financial adviser before making any investment or financial decisions.

Regulatory Information and Registered Offices

Insight Investment Management (Global) Limited is authorised and regulated by the Financial Conduct Authority. FCA Firm reference number 119308. Registered in England and Wales. Registered number: 00827982. Registered office: 160 Queen Victoria Street, London EC4V 4LA.

Insight Investment Funds Management Limited is authorised and regulated by the Financial Conduct Authority. FCA Firm reference number 122259. Registered in England and Wales. Registered number: 01835691. Registered office: 160 Queen Victoria Street, London EC4V 4LA.

VAT number 2700 1467 76.

Pareto Investment Management Limited is authorised and regulated by the Financial Conduct Authority (no: 416024). Registered in England and Wales. Registered number: 03169281. Registered office: 160 Queen Victoria Street, London, EC4V 4LA.

References to Insight or Insight Investment means Insight Investment Management (Global) Limited and/or Insight Investment Funds Management Limited and/or Pareto Investment Management Limited as the context requires.

Data protection

Information given by you will be controlled by Insight Investment Management (Global) Limited, and Insight Investment Funds Management Limited and Pareto Investment Management Limited ("we", "us" and "our"). We will treat all information given by you in confidence and in accordance with the Data Protection Act 1998. We will not disclose such information to any third parties except (a) where required or permitted by law; or (b) where your consent has been received.

By providing your information, you consent to our holding it on our computer systems and using it in the following ways:

  • To provide you with the service(s) you requested. Some of the information supplied by you may be passed to your financial adviser, or other persons acting on your behalf. Relevant information may also be passed to our agents and service providers which may include the transfer of data out of the European Economic Area.
  • For market research purposes and in order that we may keep you informed (by post, telephone, email, fax or other electronic means) of products and services offered by us and our selected third parties which may be of interest to you. If you do not wish to be kept informed in this way, please advise us by any convenient means.
  • Statistical analysis relating to the use of our website. Such statistical analysis will not identify you individually.

These uses of your personal information are covered by our registration under the UK Data Protection Act. Under the terms of the Act you have the right to obtain a copy of the information we hold about you upon payment of the appropriate fee. If any information we hold is inaccurate or incorrect, please let us know and we will correct it. You can contact us by writing to: Insight Investment, PO Box 12112, Brentwood CM14 9NN.

We may record telephone conversations to offer you additional security, resolve complaints and improve our service standards. Conversations may also be monitored for staff training purposes.

Privacy and security of personal data

We are concerned about the security of your personal information when using our website. As the Internet is not a secure medium of communication, we cannot guarantee the security of any information you input on our website or send to us on the Internet. We are not, and will not be, responsible for any damages you or others may suffer as a result of the loss of confidentiality of any such information.

Email security

There is no guarantee that any email sent will be received by us or that the contents of such email will remain private during internet transmission. If you have any such concerns, you may prefer to telephone or write to us instead.

Compensation

You may be entitled to compensation in the event that Insight Investment Management (Global) Limited, Insight Investment Funds Management Limited or another member of the Insight group of companies cannot meet its obligations. The compensation that may be available depends on the classification of the fund in which you have invested. Please see the individual fund documentation to determine which compensation scheme is applicable and to what extent.

UK funds

We are covered by the Financial Services Compensation Scheme. If we cannot meet our obligations you may be entitled to compensation from the scheme. This depends on the type of business and the circumstances of the claim. For investments: provision and mediation of investments is protected for 100% of the first £50,000. Further information about compensation arrangements is available from the Financial Services Compensation Scheme at 7th Floor, Lloyds Chambers, Portsoken Street, London E1 8BN. Telephone 0800 678 1100 or 0207 741 4100. www.fscs.org.uk

Copyright and Trade Marks

© Insight Investment Management (Global) Limited 2012. The copyright and material on our website is owned by us and protected by the copyright laws of the United Kingdom. INSIGHT INVESTMENT and the INSIGHT INVESTMENT logo are trademarks or registered trademarks of Insight Investment Management (Global) Limited. The material on our website may only be used by investors resident in the jurisdictions where our funds are registered, as described in our Disclaimer. Such users will be entitled to copy any such information for their own personal use but may not republish, transmit, store, reproduce, communicate or make available to the public any such information in any manner, including by linking to our website, without our prior written consent. Any unauthorised republishing, retransmission, storing, reproduction, communication or making available to the public or other copying or modification of any of the contents of our website or linking to our website may be in breach of statutory or common law rights, which could be the subject of legal action. We disclaim all liability which may result from any unauthorised reproduction or use of the information on our website. All rights not expressly granted within these terms and conditions are reserved by us.

Liability for damages

To the extent permitted by law, we shall not be liable for any direct or indirect, special, incidental or consequential damages arising from:

  • the use of, or access to, or inability to use or access, interruption or availability of our website, its operation or transmission, computer viruses.
  • loss of data or otherwise in respect of its use or the downloading or use of any software made available by us on our website.

We shall not be liable for all or any claims, expenses, losses or liabilities in connection with any claim by a third party relating to the use or downloading of the software or data or arising from such use or downloading.

Nothing in these terms and conditions shall exclude or limit our liability for death or personal injury arising from our negligence or the negligence of any of our officers, employees or agents or any other liability that we are prohibited from excluding or restricting by law.

Nothing contained in any of the above exclusions or limitations or restrictions of liability shall operate to exclude or restrict any duty or liability of us to any person, which we have under the Financial Services and Markets Act 2000 or the rules of the Financial Conduct Authority.

Warranties

The software, information, materials and functions contained in our website (including text, graphics, links or other items) are provided on an "as is" basis excluding any warranty whatsoever (express or implied) including, but not limited to, warranties of satisfactory quality, fitness for a particular purpose and freedom from computer viruses.

We exclude any liability for any errors in and omissions from information, materials and functions included in our website and for any third party websites linked to or from our website. Please note that any software is downloaded at your own risk. Insight Investment does not warrant the suitability of any such software which is downloaded and accepts no liability for any problems with your computer that may arise as a result. If you are in any doubt as to the suitability of software to be downloaded for your computer, it is recommended that you obtain specialist advice before downloading.

Links to other Websites

The provision by us of a link to another website does not constitute any authorisation by us to you to access material held at that location, nor is it evidence of any endorsement by us of the material available there. We accept no responsibility or liability for the privacy of your personal information on such websites, as these are beyond our control. We will accept no responsibility or liability in respect of any materials on any website which is not under our control.

Accessing and using our Internet Website

Our website is designed to be accessed via its principal homepages, and not direct to individual pages. If you access individual pages directly, you may not see important information and warnings which are necessary for a full understanding of our products and services and us generally.

We accept no responsibility or liability for improper use of our website. Unless the contrary is explicitly stated in the case of any product or service, our website contains only a summary of the information relating to the products and services referred to on our website. Therefore, if you are interested in finding out all of the information in relation to any of the products or services, you should seek further information from us by any of the methods indicated on the pages describing the products and services. Nothing on our website is intended to constitute advice to you.

Enforceability

If any provision of these terms and conditions of use and access of our website is held unenforceable, it will not affect the validity and enforceability of the remaining provisions and will be replaced by an enforceable provision that comes the closest to the intention underlying the unenforceable provision.

Reliability of information

Information provided on our website is believed to be reliable when posted. However, we cannot guarantee that information will be accurate, complete and current at all times and no liability can be accepted for any errors or omissions. All information on our website is subject to modification from time to time without notice.

Governing laws

The terms and conditions of use of our website shall be governed by and construed in accordance with the laws of England and Wales and any dispute regarding our website shall be subject to the exclusive jurisdiction of the English courts.

Personal Investing

All investments involve a degree of risk. You should be aware that past performance is not a guide to future performance. The value of investments and any income from them will fluctuate and is not guaranteed (this may be partly due to exchange rate fluctuations). Investors may not get back the full amount invested.

Information about your rights to compensation can be found under the heading ‘compensation’ above.

You are advised to read the full risk warnings for each specific fund contained within scheme documentation (including, where applicable, the Key Investor Information Document) before investing. To view this documentation, please visit our “Document Library”.

Tax reliefs mentioned on the website are those currently available in the UK and may be subject to change. The amount of relief is also dependent on the personal circumstances of the investor and may vary.

If you are in doubt about the suitability of an investment, please contact your financial adviser.

Sales Restrictions

Individual country sections on our website contain information on the funds and services that may be sold, offered or delivered in that country only. The information in these sections do not constitute either an offer to sell; a solicitation; or an offer to buy in a country in which this type of offer or solicitation is unlawful, or in which a person making such an offer or solicitation does not hold the necessary authorisation to do so. It is also not directed at investors, in those cases where the law prohibits this type of offer or solicitation from being made.

Accordingly, anyone accessing the information on this website is personally responsible for ascertaining the legal requirements, which would affect their acquisition of any investment, including any foreign exchange control requirements.

Certain funds are not authorised or recognised for sale to the public in the UK . These funds are an unregulated collective investment scheme for the purposes of the United Kingdom Financial Services legislation and, as such, their promotion by authorised persons in the United Kingdom is restricted. Accordingly, authorised persons in the United Kingdom may only issue this information to other persons authorised to carry on investment business in the United Kingdom. The information on this website does not constitute a solicitation to any person in the United Kingdom or elsewhere to whom it is unlawful to make such a solicitation.

Details of funds and services that may be sold, offered or delivered in different jurisdictions can be accessed by visiting the country specific site accessible from the country drop down menu selector at the top of every page..

USA

Funds listed on our website are not registered in the United States of America (USA) under the Securities Act of 1933 or the Investment Company Act of 1940. In particular units/shares of the investment funds listed herein , none of the services or securities mentioned in this website are not being offered in the USA or to US persons and units/shares of the investment funds listed herein may not be publicly sold, offered or delivered to US residents or US citizens