Legal and regulatory information
Our general site Terms and Conditions govern the use of this website and are set out below. Please read them carefully as by using the site you indicate your acceptance of them.
Advice
Nothing in this site shall be deemed to constitute financial or other professional advice in any way. In choosing to buy any Legal & General product from this site you should not rely solely on the information contained within the site pages. You should carefully read the policy documentation and/or terms and conditions relating to any specific product before purchasing.
Variation of content
Legal & General reserves the right in its absolute discretion at any time and without notice to remove, amend or vary any of the content which appears on any page of this site, including any terms and conditions. Any changes to these terms and conditions will be posted on this site and by continuing to use this site following any such change you will agree to be bound by the revised conditions.
Disclaimer
- Legal & General Content
Whilst Legal & General has taken all reasonable steps to ensure that the information contained within the pages of this site is accurate, current and complies with the relevant legislation and regulations, no warranty is given and no representation is made regarding the accuracy of or completeness of this site. - Third Party Content
This website may make available, from time to time, information and resources of third parties, including (without limitation) text, graphics, audio, visual (including still visual images) and/or audio-visual material, software, applications, data, database content or other multimedia content, information and material, including the metadata relating to any such content ("Third Party Content"). You acknowledge that the Third Party Content made available through our website:- has not been created by or endorsed by Legal & General and that Legal & General has no control over and assumes no responsibility for the Third Party content;
- is made available for general informational purposes only and the availability of Third Party Content on our website does not constitute a recommendation or solicitation to make any investment decision or enter into any other transaction; and
- is obtained from sources believed to be reliable, but no guarantees are made by Legal & General or the providers of the Third Party Content as to its accuracy, completeness, or timeliness.
- General Provisions
Legal & General accepts no liability for any losses or damages (whether direct, indirect, special, consequential or otherwise) arising out of errors or omissions contained in this website (including in any Third Party Content). Further, no warranty is given that this site and any Third Party Content made available on the site shall be available on an uninterrupted basis and no liability can be accepted in respect of losses or damages arising out of such unavailability. In addition, no liability can be accepted in respect of losses or damages arising out of changes made to the content of this site by unauthorised third parties or the providers of Third Party Content.
You agree that you will not carry out any rate scraping activity whatsoever in respect of this website and the products it offers. Further you agree that you will not use Legal & General’s quote and apply tool(s) or extract, distribute, utilise or reproduce any information contained in this website including but not limited to product prices and terms, for any purpose other than to purchase a Legal & General product.
You acknowledge that you are solely responsible for the use to which you put this site and any Third Party Content made available on the site and all the results and information you obtain from it and that all liability is hereby excluded to the fullest extent permitted by law.
Nothing in these terms and conditions shall exclude, limit or restrict Legal & General’s duties and liabilities to you under the Financial Services and Markets Act 2000 and any subsequent amending or replacement legislation, which regulates the carrying out of investment or financial business in the United Kingdom, or any conduct of business rules, which we are bound to comply with. Further, nothing in these terms and conditions shall attempt to exclude liability for death or personal injury or for fraudulent misrepresentation.
Copyright and trade marks
Copyright in the pages of this site, in the screen displaying the pages and in the information, texts, graphics and material contained therein and their arrangement is owned by Legal & General Assurance Society Limited, unless otherwise stated.
All trade marks, service marks, company names or logos are the property of their respective holders and no permission is given by Legal & General in respect of the use of any such trade marks, service marks, company names or logos and such use may constitute an infringement of the holders rights.
Reproduction of the pages of this site in whole or in part, without the prior written consent of Legal & General, is strictly prohibited unless for private, non-commercial viewing purposes.
Telephone recording
As required under applicable laws Legal & General will record all telephone and electronic communications and conversations with you that result or may result in the undertaking of transactions in financial instruments on your behalf. Such records will be kept for a period of five years (or up to seven years upon request from the Financial Conduct Authority (or such successor from time to time)) and will be provided to you upon request.
Legal & General companies
Legal & General Group PLC
Company registered number 1417162
The following subsidiary companies of Legal & General Group Plc are authorised and regulated by the Financial Conduct Authority:
- Legal & General (Unit Trust Managers) Limited
Company registered number 1009418. Registered number 119273. - Legal & General (Portfolio Management Services) Limited
Company registered number 2457525. Registered number 146786. - Legal & General Investment Management Ltd
Registered number 119272. - Legal & General Partnership Services Limited
Company registered number 0504500. Registered number 300792. - Legal & General Property Limited
Registered number 313282. - LGIM Real Assets (Operator) Limited
Registered number 447041. - Legal & General Home Finance Limited
Company registered number 04896447. - Legal & General Financial Advice Limited
Company registered number 11901252. - LGGP Management Limited
Company registered number 10962628. Registered number 793552.
The following subsidiary companies of Legal & General Group plc are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
- Legal & General Assurance Society Limited
Company registered number 166055. Registered number 117659. - Legal & General Assurance (Pensions Management) Limited
Registered number 202202.
The Registered Office of all of the above companies is in the United Kingdom at: One Coleman Street, London, EC2R 5AA.
The following companies of Liverpool Victoria General Insurance Group are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
- Fairmead Insurance Limited
Company registered number 423930. Registered number 202050. - Fairmead Distribution Services Limited
Company registered number 8083925. Registered number 583269.
The Registered Office of all of the above companies is in the United Kingdom at: 57 Ladymead, Guildford, Surrey, GU1 1DB
The Company registration numbers above refer to our registration with the “Companies House”. Companies House is the United Kingdom Registrar of Companies and is an Executive Agency of the United Kingdom Government Department for Business, Innovation and Skills. All forms of companies in Great Britain are incorporated and registered with Companies House and file specific details as required by the current Companies Act 2006.
Each of these companies is entered on the Financial Services Register which you can check by visiting the Financial Conduct Authority’s website http://www.fca.org.uk/firms/systems-reporting/register or by contacting the Financial Conduct Authority on 0800 111 6768.
I am an expert in legal and regulatory matters, particularly in the field of financial services and regulations. My knowledge and expertise extend to understanding the intricacies of legal frameworks, terms and conditions, disclaimers, and regulatory compliance within the financial industry. I have a proven track record of interpreting and analyzing complex legal documents and providing insights into the implications for users and businesses.
Now, let's delve into the legal and regulatory concepts mentioned in the provided article:
-
Terms and Conditions:
- Legal & General's general site Terms and Conditions govern the use of the website.
- Users are required to read and accept these terms when using the site, indicating their agreement.
-
Professional Advice:
- The article explicitly states that nothing on the site constitutes financial or professional advice.
- Users are advised not to rely solely on the information within the site pages when purchasing Legal & General products.
-
Variation of Content:
- Legal & General reserves the right to remove, amend, or vary any content on the site at any time without notice.
- Changes to terms and conditions will be posted on the site, and users are bound by the revised conditions if they continue to use the site.
-
Disclaimer:
- Despite efforts to ensure accuracy and compliance with regulations, Legal & General does not provide a warranty or representation regarding the accuracy or completeness of the site's information.
- Users are made aware that Third Party Content on the website is not created or endorsed by Legal & General, and the company assumes no responsibility for it.
-
Third Party Content:
- Legal & General clarifies that Third Party Content is for general informational purposes only and does not constitute a recommendation or solicitation for investment decisions.
- No guarantees are made regarding the accuracy, completeness, or timeliness of Third Party Content.
-
General Provisions:
- Legal & General disclaims liability for losses or damages arising from errors or omissions on the website.
- Users are prohibited from engaging in rate scraping activities and are restricted in using information from the website for purposes other than purchasing Legal & General products.
-
Copyright and Trademarks:
- Copyright in the pages, screen displays, and information on the site is owned by Legal & General Assurance Society Limited.
- Use of trade marks, service marks, company names, or logos without permission may constitute an infringement of rights.
-
Telephone Recording:
- Legal & General records all telephone and electronic communications related to financial transactions for a specified period, as required by applicable laws.
-
Legal & General Companies:
- The article provides information about various subsidiary companies of Legal & General Group PLC, their registration numbers, and regulatory authorities overseeing them.
By understanding these legal and regulatory concepts, users can navigate the Legal & General website with awareness of their rights, responsibilities, and the limitations of the information provided.
