Important Legal Information

ACCEPTANCE

You acknowledge and agree that access to this Site is provided only in accordance with these Terms & Conditions. By accessing this website (the ‘Site’), you agree to be bound by the following terms and conditions (the ‘Terms’). Before using this Site, you should read carefully the Terms, our Cookie Policy and also our Privacy & Security Statement. If you do not agree to these Terms & Conditions, please do not make use of this Site.

 

THIS WEBSITE IS TARGETED AT INVESTORS WHO ARE GENERALLY CLASSIFIED AS QUALIFIED, PROFESSIONAL, ACCREDITED OR INSTITUTIONAL.

The content of this website has been prepared by Pacific Capital Partners Limited [PCP] incorporated in England and Wales, with its registered office at 74 Wigmore Street, London, W1U 2SQ, United Kingdom, registered number 02849777. PCP is authorised and regulated by the UK Financial Conduct Authority, FRN 171200. Pacific Asset Management is a trading name of PCP.

Not for U.S. Persons
The provision of the information in this web site does not constitute an offer of securities to any person in the United States or to any U.S. Person as defined under the Securities Act of 1933, as amended. The information contained in this site about PCP is not directed to any person in the United States. Funds referred to herein are neither registered under the Securities Act 1933 of the USA, nor are they registered under the Investment Company Act of 1940. Consequently, they cannot be offered for sale or be sold in the USA, its territories, possessions or protectorates under its jurisdiction, nor to nationals, citizens or residents in any of those areas.

 

Terms and Conditions of Use

IMPORTANT LEGAL NOTICE

The following terms and conditions (“Terms”) apply to your access to and use of this website (the “Website”). Each time you access or use the Website, you agree to comply with, and be bound by, the Terms and acknowledge that we may rely upon your agreement. Please read the following Terms carefully and if you do not accept any, please do not access or use the Website.

 

1. Information on the Website
Except where stated otherwise, the information and content on the Website (the “Information”) is provided by PCP (referred to as “we” and “us”) as at the date indicated on the relevant material and is provided for information purposes only.

You should not rely on the Information and should obtain relevant and specific professional advice in making any investment decision.

None of the material contained on the Website is intended to constitute an offer to sell, or an invitation or solicitation of an offer to buy any product or service provided by PCP and must not be relied upon in connection with any investment decision. The Website does not provide any specific investment advice and does not take into consideration the investment needs of any particular investor or investors.

2. Permitted Users of the Website
The laws and regulations of the country from which you access the Website may include restrictions on the distribution of the Information. The Website is not directed at or intended for distribution to or use by any person or entity in any jurisdiction where (by reason of that jurisdiction’s applicable securities laws, person’s nationality, residence or otherwise) such distribution, publication, availability or use of the Website or any part of its contents would be contrary to applicable law or regulation or would subject PCP to any registration or licensing requirement within such jurisdiction. If you are such a person or entity, you are not authorised to enter the Website. It is your responsibility to ensure that your use of the Website complies with any restrictions or any applicable local laws regarding use of the Information on the Website. Persons or entities in respect of whom such restrictions apply must not access the relevant pages on the Website.

Certain materials on the Website have been created specifically for certain jurisdictions and as such it is your responsibility to ensure you navigate to the correct prepared material. PCP will not be responsible to you for your access to any material incorrect for the jurisdiction that you require.

3. Investment Performance
Past performance is not a guide to future performance. The value of an investment may go down as well up so that an investor’s investment, when redeemed, may be more or less than the original investment amount.

4. Accuracy of Information
The information contained on the Website is provided as is, is subject to change without notice and no guarantee is made as to its accuracy, completeness or fitness for a particular purpose. PCP has expressed its own views and opinions on this website, and these may change without notice. PCP is under no obligation to update information and you should verify any Information or other material obtained from the Website before you use it.

If you use the Information, you do so at your own risk.

In addition, PCP does not represent or warrant that the Website or the servers that make the Website available will be uninterrupted, error free, or free from infection, viruses, worms or any other harmful code which may have contaminating or destructive properties. You are fully responsible for ensuring protective steps to be taken such as virus checking.

5. Internet and email communications
Messages sent over the internet (including e-mail) cannot be guaranteed to be completely secure as they are subject to possible interception, monitoring, delay, loss or alteration. PCP is not responsible for any such messages nor liable to you or anyone else for any damages or otherwise in connection with any messages sent by you to us or any other party or any messages sent or appearing to be sent by PCP or any third party to you over the Internet (including e-mail). You should not include any sensitive or confidential information in such messages.

6. Monitoring of communication
To help us improve our service and in the interest of security, we may monitor and/or record communications (whether over the Internet, telephone or otherwise) between you and us. All recordings are our sole property.

7. Exclusion of Liability
To the fullest extent permitted by law, PCP accepts no liability to you or any third party for any losses or damages, including, without limitation, direct or indirect damages, consequential or special damages, loss of use, data or profits, costs or expenses incurred or suffered by you or third party, whether in contract or due to negligence or other tortious action, arising out of or in connection with the access to, use of, reliance on, or performance of this website or any information contained on this website, whether due to inaccuracy, error, omission or any other cause and whether on the part of us, our servants, agents or any other person.

Nothing in the Terms excludes, restricts or modifies any condition, warranty or liability which may at any time be implied by statute or any other applicable law where to do so is illegal or would render any provision of an agreement void.

8. Third Party Websites
Links to third party websites are provided solely for your convenience. We have not reviewed any third party websites and are not responsible for their content. PCP does not endorse or make representations about them, or any material found there, or any results that may be obtained from using them. If you access any third party websites linked to this website, you do so entirely at your own risk.

9. Indemnity
You agree to indemnify PCP from and against any claim brought by third parties against PCP as a consequence of your breach of the Terms. Furthermore, if your use of the Website results in the need for servicing, repair or correction of equipment, software or data, you are responsible for all costs.

10. Intellectual Property Rights
The copyright, trade mark or any other intellectual property rights in the Website and the Information are owned by or licensed to PCP. You may download or print out a hard copy for your personal use provided you do not remove any copyright or other proprietary notices. You may not reproduce (in whole or in part), transmit (by electronic means or otherwise), modify, link to or use for any public or commercial purpose this Website without the prior written permission of PCP.

11. Privacy Policy and Cookie Policy

We are committed to protecting your privacy. PCP may use “Cookies” to collect and access information concerning your visit to and use of the Website and is committed to preserving the privacy of all visitors. Please see our Privacy Policy and Cookie Policy in relation to how your data may be collected, stored and processed by visiting this site.

12. Governing Law
The Terms are governed by the laws of England and Wales and the courts of England and Wales will have exclusive jurisdiction over any disputes arising under them.

Updated and effective as of June 2024

Important Legal Information

ACCEPTANCE

You acknowledge and agree that access to this Site is provided only in accordance with these Terms & Conditions. By accessing this website (the ‘Site’), you agree to be bound by the following terms and conditions (the ‘Terms’). Before using this Site, you should read carefully the Terms, our Cookie Policy and also our Privacy & Security Statement. If you do not agree to these Terms & Conditions, please do not make use of this Site.

THIS WEBSITE IS TARGETED AT INVESTORS WHO ARE GENERALLY CLASSIFIED AS QUALIFIED, PROFESSIONAL, ACCREDITED OR INSTITUTIONAL.

The content of this website has been prepared by Pacific Capital Partners Limited [PCP] incorporated in England and Wales, with its registered office at 74 Wigmore Street, London, W1U 2SQ, United Kingdom, registered number 02849777. PCP is authorised and regulated by the UK Financial Conduct Authority, FRN 171200. PCP is also registered as an investment advisor with the US Securities & Exchange Commission (SEC). Pacific Asset Management is a trading name of PCP.

Under no circumstances should any part of this website be construed as an offering or solicitation of an offer. Any investment in the products of this site should only be made on the basis of an Offering Memorandum or Prospectus.


Terms and Conditions of Use

IMPORTANT LEGAL NOTICE

The following terms and conditions (“Terms”) apply to your access to and use of this website (the “Website”). Each time you access or use the Website, you agree to comply with, and be bound by, the Terms and acknowledge that we may rely upon your agreement. Please read the following Terms carefully and if you do not accept any, please do not access or use the Website.

 

1. Information on the Website

Except where stated otherwise, the information and content on the Website (the “Information”) is provided by PCP (referred to as “we” and “us”) as at the date indicated on the relevant material and is provided for information purposes only.

You should not rely on the Information and should obtain relevant and specific professional advice in making any investment decision.

None of the material contained on the Website is intended to constitute an offer to sell, or an invitation or solicitation of an offer to buy any product or service provided by PCP and must not be relied upon in connection with any investment decision. The Website does not provide any specific investment advice and does not take into consideration the investment needs of any particular investor or investors.

2. Permitted Users of the Website

The laws and regulations of the country from which you access the Website may include restrictions on the distribution of the Information. The Website is not directed at or intended for distribution to or use by any person or entity in any jurisdiction where (by reason of that jurisdiction’s applicable securities laws, person’s nationality, residence or otherwise) such distribution, publication, availability or use of the Website or any part of its contents would be contrary to applicable law or regulation or would subject PCP to any registration or licensing requirement within such jurisdiction. If you are such a person or entity, you are not authorised to enter the Website. It is your responsibility to ensure that your use of the Website complies with any restrictions or any applicable local laws regarding use of the Information on the Website. Persons or entities in respect of whom such restrictions apply must not access the relevant pages on the Website.

Certain materials on the Website have been created specifically for certain jurisdictions and as such it is your responsibility to ensure you navigate to the correct prepared material. PCP will not be responsible to you for your access to any material incorrect for the jurisdiction that you require.

3. Investment Performance

Past performance is not a guide to future performance. The value of an investment may go down as well up so that an investor’s investment, when redeemed, may be more or less than the original investment amount.

4. Accuracy of Information

The information contained on the Website is provided as is, is subject to change without notice and no guarantee is made as to its accuracy, completeness or fitness for a particular purpose. PCP has expressed its own views and opinions on this website, and these may change without notice. PCP is under no obligation to update information and you should verify any Information or other material obtained from the Website before you use it.

If you use the Information, you do so at your own risk.

In addition, PCP does not represent or warrant that the Website or the servers that make the Website available will be uninterrupted, error free, or free from infection, viruses, worms or any other harmful code which may have contaminating or destructive properties. You are fully responsible for ensuring protective steps to be taken such as virus checking.

5. Internet and email communications

Messages sent over the internet (including e-mail) cannot be guaranteed to be completely secure as they are subject to possible interception, monitoring, delay, loss or alteration. PCP is not responsible for any such messages nor liable to you or anyone else for any damages or otherwise in connection with any messages sent by you to us or any other party or any messages sent or appearing to be sent by PCP or any third party to you over the Internet (including e-mail). You should not include any sensitive or confidential information in such messages.

6. Monitoring of communication

To help us improve our service and in the interest of security, we may monitor and/or record communications (whether over the Internet, telephone or otherwise) between you and us. All recordings are our sole property.

7. Exclusion of Liability

To the fullest extent permitted by law, PCP accepts no liability to you or any third party for any losses or damages, including, without limitation, direct or indirect damages, consequential or special damages, loss of use, data or profits, costs or expenses incurred or suffered by you or third party, whether in contract or due to negligence or other tortious action, arising out of or in connection with the access to, use of, reliance on, or performance of this website or any information contained on this website, whether due to inaccuracy, error, omission or any other cause and whether on the part of us, our servants, agents or any other person.

Nothing in the Terms excludes, restricts or modifies any condition, warranty or liability which may at any time be implied by statute or any other applicable law where to do so is illegal or would render any provision of an agreement void.

8. Third Party Websites

Links to third party websites are provided solely for your convenience. We have not reviewed any third party websites and are not responsible for their content. PCP does not endorse or make representations about them, or any material found there, or any results that may be obtained from using them. If you access any third party websites linked to this website, you do so entirely at your own risk.

9. Indemnity

You agree to indemnify PCP from and against any claim brought by third parties against PCP as a consequence of your breach of the Terms. Furthermore, if your use of the Website results in the need for servicing, repair or correction of equipment, software or data, you are responsible for all costs.

10. Intellectual Property Rights

The copyright, trade mark or any other intellectual property rights in the Website and the Information are owned by or licensed to PCP. You may download or print out a hard copy for your personal use provided you do not remove any copyright or other proprietary notices. You may not reproduce (in whole or in part), transmit (by electronic means or otherwise), modify, link to or use for any public or commercial purpose this Website without the prior written permission of PCP.

11. Privacy Policy and Cookie Policy

We are committed to protecting your privacy. PCP may use “Cookies” to collect and access information concerning your visit to and use of the Website and is committed to preserving the privacy of all visitors. Please see our Privacy Policy and Cookie Policy in relation to how your data may be collected, stored and processed by visiting this site.

12. Governing Law

The Terms are governed by the laws of England and Wales and the courts of England and Wales will have exclusive jurisdiction over any disputes arising under them.

Updated and effective as of June 2024

Important Legal Information

ACCEPTANCE

You acknowledge and agree that access to this Site is provided only in accordance with these Terms & Conditions. By accessing this website (the ‘Site’), you agree to be bound by the following terms and conditions (the ‘Terms’). Before using this Site, you should read carefully the Terms, our Cookie Policy and also our Privacy & Security Statement. If you do not agree to these Terms & Conditions, please do not make use of this Site.

THIS WEBSITE IS TARGETED AT INVESTORS WHO ARE GENERALLY CLASSIFIED AS QUALIFIED, PROFESSIONAL, ACCREDITED OR INSTITUTIONAL.

The content of this website has been prepared by Pacific Capital Partners Limited [PCP] incorporated in England and Wales, with its registered office at 74 Wigmore Street, London, W1U 2SQ, United Kingdom, registered number 02849777. PCP is authorised and regulated by the UK Financial Conduct Authority, FRN 171200. Pacific Asset Management is a trading name of PCP.

Information on this website is solely for eligible persons or companies located in Canada (“Eligible Canadians”) who are “accredited investors”, as defined in National Instrument 45-106 Prospectus Exemptions, and “permitted clients”, as defined in National Instrument 31-103 Registration Requirements, Exemptions and Ongoing Registrant Obligations (NI 31-103). PCP is not registered as a dealer in any jurisdiction of Canada and trades securities with Eligible Canadians in reliance upon the international dealer exemption that is available pursuant to section 8.18(2) of NI 31-103.


Terms and Conditions of Use

IMPORTANT LEGAL NOTICE

The following terms and conditions (“Terms”) apply to your access to and use of this website (the “Website”). Each time you access or use the Website, you agree to comply with, and be bound by, the Terms and acknowledge that we may rely upon your agreement. Please read the following Terms carefully and if you do not accept any, please do not access or use the Website.


1. Information on the Website
Except where stated otherwise, the information and content on the Website (the “Information”) is provided by PCP (referred to as “we” and “us”) as at the date indicated on the relevant material and is provided for information purposes only.

You should not rely on the Information and should obtain relevant and specific professional advice in making any investment decision.

None of the material contained on the Website is intended to constitute an offer to sell, or an invitation or solicitation of an offer to buy any product or service provided by PCP and must not be relied upon in connection with any investment decision. The Website does not provide any specific investment advice and does not take into consideration the investment needs of any particular investor or investors.

2. Permitted Users of the Website

The laws and regulations of the country from which you access the Website may include restrictions on the distribution of the Information. The Website is not directed at or intended for distribution to or use by any person or entity in any jurisdiction where (by reason of that jurisdiction’s applicable securities laws, person’s nationality, residence or otherwise) such distribution, publication, availability or use of the Website or any part of its contents would be contrary to applicable law or regulation or would subject PCP to any registration or licensing requirement within such jurisdiction. If you are such a person or entity, you are not authorised to enter the Website. It is your responsibility to ensure that your use of the Website complies with any restrictions or any applicable local laws regarding use of the Information on the Website. Persons or entities in respect of whom such restrictions apply must not access the relevant pages on the Website.

Certain materials on the Website have been created specifically for certain jurisdictions and as such it is your responsibility to ensure you navigate to the correct prepared material. PCP will not be responsible to you for your access to any material incorrect for the jurisdiction that you require.

3. Investment Performance

Past performance is not a guide to future performance. The value of an investment may go down as well up so that an investor’s investment, when redeemed, may be more or less than the original investment amount.

4. Accuracy of Information

The information contained on the Website is provided as is, is subject to change without notice and no guarantee is made as to its accuracy, completeness or fitness for a particular purpose. PCP has expressed its own views and opinions on this website, and these may change without notice. PCP is under no obligation to update information and you should verify any Information or other material obtained from the Website before you use it.

If you use the Information, you do so at your own risk.

In addition, PCP does not represent or warrant that the Website or the servers that make the Website available will be uninterrupted, error free, or free from infection, viruses, worms or any other harmful code which may have contaminating or destructive properties. You are fully responsible for ensuring protective steps to be taken such as virus checking.

5. Internet and email communications

Messages sent over the internet (including e-mail) cannot be guaranteed to be completely secure as they are subject to possible interception, monitoring, delay, loss or alteration. PCP is not responsible for any such messages nor liable to you or anyone else for any damages or otherwise in connection with any messages sent by you to us or any other party or any messages sent or appearing to be sent by PCP or any third party to you over the Internet (including e-mail). You should not include any sensitive or confidential information in such messages.

6. Monitoring of communication

To help us improve our service and in the interest of security, we may monitor and/or record communications (whether over the Internet, telephone or otherwise) between you and us. All recordings are our sole property.

7. Exclusion of Liability

To the fullest extent permitted by law, PCP accepts no liability to you or any third party for any losses or damages, including, without limitation, direct or indirect damages, consequential or special damages, loss of use, data or profits, costs or expenses incurred or suffered by you or third party, whether in contract or due to negligence or other tortious action, arising out of or in connection with the access to, use of, reliance on, or performance of this website or any information contained on this website, whether due to inaccuracy, error, omission or any other cause and whether on the part of us, our servants, agents or any other person.

Nothing in the Terms excludes, restricts or modifies any condition, warranty or liability which may at any time be implied by statute or any other applicable law where to do so is illegal or would render any provision of an agreement void.

8. Third Party Websites

Links to third party websites are provided solely for your convenience. We have not reviewed any third party websites and are not responsible for their content. PCP does not endorse or make representations about them, or any material found there, or any results that may be obtained from using them. If you access any third party websites linked to this website, you do so entirely at your own risk.

9. Indemnity

You agree to indemnify PCP from and against any claim brought by third parties against PCP as a consequence of your breach of the Terms. Furthermore, if your use of the Website results in the need for servicing, repair or correction of equipment, software or data, you are responsible for all costs.

10. Intellectual Property Rights

The copyright, trade mark or any other intellectual property rights in the Website and the Information are owned by or licensed to PCP. You may download or print out a hard copy for your personal use provided you do not remove any copyright or other proprietary notices. You may not reproduce (in whole or in part), transmit (by electronic means or otherwise), modify, link to or use for any public or commercial purpose this Website without the prior written permission of PCP.

11. Privacy Policy and Cookie Policy

We are committed to protecting your privacy. PCP may use “Cookies” to collect and access information concerning your visit to and use of the Website and is committed to preserving the privacy of all visitors. Please see our Privacy Policy and Cookie Policy in relation to how your data may be collected, stored and processed by visiting this site.

12. Governing Law

The Terms are governed by the laws of England and Wales and the courts of England and Wales will have exclusive jurisdiction over any disputes arising under them.

Updated and effective as of June 2024

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Institutional Investors
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Important Legal Information

ACCEPTANCE

You acknowledge and agree that access to this Site is provided only in accordance with these Terms & Conditions. By accessing this website (the ‘Site’), you agree to be bound by the following terms and conditions (the ‘Terms’). Before using this Site, you should read carefully the Terms, our Cookie Policy and also our Privacy & Security Statement. If you do not agree to these Terms & Conditions, please do not make use of this Site.
The Site has been approved for issue in the UK by Pacific Capital Partners Limited trading as Pacific Asset Management. Pacific Capital Partners Limited is authorised and regulated by the Financial Conduct Authority ("FCA"), and is entered on the Financial Services Register with the firm reference number 171200. Pacific Capital Partners Limited is part of a global group of businesses known as Pacific Investments which is ultimately owned by Pacific Investments Limited. Pacific Capital Partners Limited is registered in England with its registered office at 124 Sloane Street, London, SW1X 9BW; and its business address at 74 Wigmore Street, London, W1U 2SQ, which is its registered office.

Unless otherwise stated in relevant sections of the website, this website is targeted at investors who are generally classified as qualified, professional, accredited or institutional. The information contained in this website is directed only at persons in a country or jurisdiction where access to the information and the use thereof is not contrary to local law or regulation. It is your responsibility to be aware of and to observe all applicable laws and regulations of any relevant jurisdiction when accessing the information contained in this website. In particular, no offer or invitation is made to any US persons (being residents of the United States of America or partnerships or corporations organised under the laws of the United States of America or any state, territory or possession thereof), who are excluded from the services, funds and products included in this site. There will be no public offering of services, funds and products in the United States. The services, funds and products will not generally be available to U.S. Persons.

Should you wish to contact us please refer to the Contact Us link which can be found on each page of the Site.

In these Terms:

  • ‘Content’ means all pages, screens, information and materials included in or accessible through this Site (including any content available on any email or SMS services).
  • ‘you’, ‘your’ and ‘yours’ means you, the person(s) accessing this Site and the party on whose behalf you are doing so.
  • ‘we’, ‘us’ and ‘our’ means Pacific Capital Partners Limited.
  • ‘Pacific / Pacific Group’ means Pacific Investments Limited, its subsidiaries and associated companies from time to time.

Terms

These Terms cover your use of this Site. All products and services provided by members of the Pacific Group have their own terms and conditions (the ‘Product Terms’). You must read both the Product Terms and these Terms. To the extent that the Product Terms conflict with these Terms or any Local Sites’ terms and conditions then the Product Terms will prevail.

We are required by law to tell you that the terms and conditions are in English and that we will communicate with you in English.

From this Site we may provide information or hyperlinks to other websites or pages provided by other entities within the Pacific Group (‘Local Sites’) and other parties. Your use of Local Sites and other parties’ sites may be subject to their own terms and conditions. You should read them.

This Site is intended for those who access it from within the United Kingdom. Because of this we cannot guarantee that the Site, or the information thereon, complies with the local laws or regulations of, or is appropriate for use in, any other jurisdiction from which you access it. If you choose to access this Site from a jurisdiction other than the United Kingdom you do so at your own risk and the Pacific Group will not be liable for any breach of local law or regulation that you commit as a result of doing so.

Please make sure you read carefully all applicable terms, conditions and disclaimers relevant to your use of the products, services or information that may be offered to you from time to time.

If any part of these Terms is found by any court or other competent authority to be invalid, unlawful or unenforceable then such part shall be severed from the rest of the Terms which shall continue to be valid and enforceable to the fullest extent permitted by law.

Changes to our Terms

You acknowledge that we may amend these Terms from time to time, at our sole discretion. If we elect to amend these Terms, the revised version will be posted on the Site. You undertake to check the Site regularly for any changes we may have made since your last visit to the Site, since any such changes will be binding on you. By using the Site after we have changed or amended these Terms, you acknowledge that you will be accepting those changes or amendments.

These Terms & Conditions were last updated on 17 January 2017.

Availability of site, products and services

The Content, including layout, of this Site or products or services available via this Site may be wholly or partially suspended, withdrawn or changed at any time.

We also reserve the right at any time to immediately suspend the provision of all or any part of this Site to you and/or block your access to this Site.

The provision of financial services or products

Not all the products and services that you may be able to view via the Site are available in all geographical locations. The relevant Pacific Group member reserves the right to make the final determination on whether or not you are eligible for any particular product or service.

If you choose to enter a website outside your country of residence, you are advised that it may not be legal in that jurisdiction for you to access or use the facilities available on that site and the legal requirements of that jurisdiction may prohibit you from dealing or otherwise transacting in that jurisdiction. No member of the Pacific Group will be liable for any breach of local law or regulation that you may commit as a result of using and accessing a website in a country in which you are not resident.

Please be aware that some of the products and services listed within the Site and those provided by any other Pacific Group members or third parties that may be accessed via a link from this Site may not be suitable for all investors. Always read the product information fully before committing to any contractual agreement.

All products or services provided to you by us or any other Pacific Group member shall only be available in the jurisdiction/s within which the member providing the product or service is authorised to operate.

You agree that any of the products or services provided to you by us or any other Pacific Group member shall be deemed to be provided in the jurisdiction within which the member providing the product or service is authorised to operate.

No offer

Information or opinions contained on this Site or in any Local Sites do not constitute an offer to sell or a solicitation, or offer to buy, any securities or financial instruments or investment advice or any advice or recommendation in respect of such securities or other financial instruments.

Should you seek to rely in any way whatsoever upon any Content contained on this Site, you do so at your own risk.
Before you make any decision or take any action that might affect you or your personal finances or business, you should always consult a suitably qualified professional adviser(s) to obtain appropriate financial, legal, accounting, tax and other advice.

Investment performance

Please note that the value of investments and the income derived from them may fluctuate and an investor may not receive back the amount originally invested. Where past performance is shown it refers to the past and should not be seen as an indication of future performance. The value and any income arising from any investment referred to on this Site may go down as well as up. In particular you may not get back the full amount invested. Where overseas securities are held the rate of currency exchange may cause the value of the investment to go up as well as down. Any forecast, projection or target is indicative only and is not guaranteed in any way. We accept no liability for any failure to meet such a forecast, projection or target.

In the case of investments for which there is not a recognised market it may be difficult for investors to sell their investment or to obtain reliable information about its value or the extent of the risks to which it is exposed.

The information on this Site is based on understanding of current law, regulation and HM Revenue & Customs practice at the time of going to press. Future changes in law, regulation, tax levels or HMRC practice could affect the information on this Site.

No warranties

Other than the warranties and representations contained in these Terms, all other warranties and representations, whether express, implied or statutory are, to the fullest extent permitted by the law, excluded. We do not exclude or restrict our liabilities or duties to you where or to the extent that this is prohibited by law or regulation. Use of this Site is at your sole risk.

We do not represent that:

  • any information contained on this Site will be accurate, complete or up to date or meet your specific requirements,
  • this Site will be available,
  • access to this Site will be uninterrupted or that there will be no delays, failures, errors or omissions or loss of information as this Site is transmitted to you,
  • no viruses or other contaminating or destructive materials or elements will be transmitted or that your computer system will not be damaged.

We do not provide any guarantee about the accuracy, functionality or performance of any third party software, Content or equipment used in connection with this Site.

Exclusion of our liability

To the extent permitted by law, neither we nor any member of the Pacific Group shall be liable for any damage, loss or liability (whether arising in contract, tort, including negligence, or otherwise) arising out of or in connection with:

  • your use of this Site,
  • your reliance on or your inability to use the information, products or services on this Site, or
  • any failure or performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure to this Site or your use or attempted use of it.
  • The above exclusions apply to any damage which is direct, indirect, special, incidental or consequential or consists of loss of profits, business, opportunity or data.

    • All of the above exclusions apply even if you have advised us or any other member of the Pacific Group of the possibility of the above types of damage, loss or liability.

    Password and security

    In order to use the Site or one or more parts of it, you may be required to become a registered user. In order to become a registered user we will issue you with one or more of the following, namely, registered username, password other security identifier (‘Password’) in accordance with our procedures in place from time to time.

    You will keep your Password secret and confidential at all times. Your Password will allow you to access your personal and confidential account and/or financial information.

    You must tell us immediately of any unauthorised access to the Site using your Password or any unauthorised transaction or instruction which you know of or suspect of if you suspect someone else knows your Password. We will need you to help us and any law enforcement agency in trying to recover any losses. We may disclose information about you or your account to a law enforcement agency or other third parties if we think it will help prevent or recover losses.

    You are wholly responsible for use of the Site by any person using your Password.

    We reserve the right to suspend access to the Site in the event that we suspect that an unauthorised person is attempting to access the Site using your Password.

    Your obligations

    Security – it is your sole responsibility adequately to:

  • protect and back up your data and equipment,
  • undertake reasonable and appropriate precautions against any computer virus or other destructive materials or elements, and
  • ensure that your computers and your access to this Site are adequately secured against any unauthorised users.
  • Your use of this Site – you may not use this Site or permit others to use this Site:
    • in any way (including via electronic means) and for any purpose which is unlawful, defamatory or libelous, offensive, abusive, indecent, menacing or threatening or in any way that infringes any intellectual property rights or breaches any obligations of confidence, or
    • to cause annoyance, inconvenience or needless anxiety to any other person or in any other way which is in violation of any applicable law or regulation in any jurisdiction in the world, or
    • to introduce a virus or other disruptive material or element or otherwise disrupt or impair this Site or any communication service.
    • You undertake to comply with any terms notified to you as required from time to time by any third party supplier of data or services to this Site, including but not limited to, where necessary, entering into a direct agreement with such third party in respect of your use of their data.

    Third party site and endorsement

    Links to Third Party Sites – where we provide hypertext links to other locations on the Internet, we do so for information purposes only. We are not responsible for the content of any websites or pages of third parties linked to or from this Site. Following links to any websites or pages of third parties shall be at your own risk. We shall not be responsible or liable for any damages or in any other way in connection with such linking of those websites or pages.
    Downloads from Third Party Sites – links to third party downloadable software sites are for convenience only and we are not responsible nor are we liable for any difficulties or consequences associated with downloading that software. You are responsible for obtaining all necessary authorisations to use such software and we give no implied licence or warranty in relation to the obtaining of or use of such software whatsoever.
    No Endorsement of Third Parties – no endorsement, approval or responsibility for appropriateness of any third parties or their advice, opinions, information, products or services is expressed or implied by any hyperlinks to or from any third party websites or pages.

    Links to our site

    Neither you nor any other party may use any part of this Site on any other website, or link any other website to this Site, without our prior written permission.

    We are not responsible for the set-up of any link from a third party website to our Site.

    Neither you nor any other party may deep link to, frame, spider, harvest or scrape the Content or otherwise access the Content for any purposes, or use any machine, electronic, web based or similar device to read or extract the Content by machine based or automated means, without our prior written permission.

    Intellectual property rights

    Our Rights – all intellectual property rights (including, without limitation, copyright, database rights, design rights, patents and trademarks) in the Content are owned by or licensed to us unless otherwise stated.
    Pacific – Pacific and the Pacific logo are trademarks of Pacific Investments Limited and all rights and benefits in them vest in Pacific Investments Limited.
    Copying by you and your access to the Site – you may print, copy, download or temporarily store extracts from this Site for your personal use or to help you use our products and services. You must not alter any extract contained on or obtained from this Site in any form. Any other use is prohibited unless you first get our written permission. Without limiting the above, unless you first get our written consent, you may not reproduce, modify, adapt, transmit, publish, broadcast, create derivative works of, store, archive or in any way exploit any of the Content. Without limitation, neither you nor any other party may do any of the following without prior written consent from us:
    create any data base in electronic or structured manual form by systematically downloading and storing all or any of the Content; or
    redistribute any of the Content (including by using it as part of any syndication, content aggregation, archive or similar service); or
    remove the copyright or trademark notice from any copies of Content made in accordance with these Terms.

    Internet and e-mail communications

    Messages sent over the Internet (including e-mail) cannot be guaranteed to be completely secure as they are subject to possible interception, monitoring, delay, loss or alteration.

    Neither we nor any other member of the Pacific Group are responsible for any such messages nor liable to you or anyone else for any damages or otherwise in connection with any messages sent by you to us or any other party or any messages sent or appearing to be sent by us or any third party to you over the Internet (including e-mail). You should not include any sensitive or confidential information in such messages.

    Our monitoring of communication

    To help us improve our service and in the interest of security, we may monitor and/or record communications (whether over the Internet, telephone or otherwise) between you and us. All recordings are our sole property.

    Data protection and Privacy

    We are committed to protecting your privacy. All information gathered from you in connection with your use of the Site or any Local Site will be maintained in accordance with the applicable privacy policies disclosed for this Site (see our Privacy & Security Statement / Use of Cookies) or any of the Local Sites.

    Cookies

    You should read our Privacy & Security Statement / Use of Cookies to find out more about how Pacific and our trusted partners use cookies, which is relevant to your online security: we use cookies to make our website more secure and easier to use.

    Governing Law

    These Terms are governed by and are to be interpreted in accordance with the laws of England and Wales.

    The courts in England and Wales will have non-exclusive jurisdiction in respect of any dispute which may arise in connection with the Terms or your use of this Site.

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