Please read this section carefully, as it details the terms and conditions of using our website ("F&C Website", or the "Website") and by using any part of the Website, you agree to these terms. We keep our terms and conditions under regular review to ensure they remain relevant and up to date, and therefore reserve the right to amend them at any time. The latest version will always be made available for you to view here on our Website.

    Your privacy is important to F&C ("we” or "us"). Please read our privacy and cookies policy to better understand how we use your personal information.
    The information on this Website is not intended to, nor does it, create any contract or any other legal rights or obligations between us, nor does it create any legal obligations on the part of any other member of the F&C Group.

    It is important to ensure that you are within the correct section of this Website, relevant to your country of residence and/or investor status before proceeding further. As products and services mentioned on this Website are subject to local legal and/or regulatory requirements in applicable countries and may not be available in all countries, visitors are not permitted to access sections or view content not aimed at their country of residence and/or investor status.

    Availability of Investment Products and Services

    The products and services described on this Website are only registered for distribution in certain countries. Please ensure, prior to considering investment in any products or receipt of any services detailed on this Website, that they are available in your country of residence and that you are eligible to undertake such an investment or receive such service. For the avoidance of doubt, none of the investment products detailed on this Website have been registered under the United States Securities Act of 1933, and are not offered or available to be sold in the United States or to United States citizens and residents. Equally, the investment products are not offered to any other person in any country where offering or selling such products is contrary to the local law or regulation.
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    The risks of investing

    Please remember that past performance is not a guide to future results. The value and any income derived from investments can go down as well as up and may be affected by exchange rate fluctuations. Therefore, investors may not get back the full amount invested.
    Applications to invest in any investment product referred to on this Website, must only be made on the basis of the offer document relating to the specific investment product which will be provided or made available, as appropriate, no later than at the time of investment.

    Tax implications

    Depending on your individual circumstances, the investment products and services described in this Website may have tax consequences, and tax rules may change in the future. If you are at all unsure as to the potential tax implications of investing in any investment product or receiving any service described in this Website, please consult a specialist tax adviser before investing.

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    We make every reasonable effort to maintain the availability of this Website; however this cannot be guaranteed. This Website may also change from time to time and therefore the continuation of the information provided through it cannot be guaranteed.

    As you would expect, we use all reasonable skill and care in compiling and maintaining the information contained on this Website. However no promise is given, either express or implied, as to the accuracy, reliability, timeliness or completeness of the information. No liability is assumed by F&C for any use, or misuse, of the information presented on this Website. We also take all reasonable steps to ensure the security of the Website and any personal information provided to us through the Website; however due to the nature of the internet we cannot provide an absolute guarantee of security. Please see our privacy policy section for more information.

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    F&C makes no representation as to the accuracy, completeness, timeliness or suitability of any information contained or linked to on this Website that is provided to F&C by third parties. We will not review or update such information on an ongoing basis and therefore any use made of third party information contained within our Website is also at your own risk.

    Third Party Content Providers

    This website may contain FTSE, Morningstar and S&P data.

    “Source: FTSE International Limited (“FTSE”) © FTSE 2017. “FTSE®” is a trademark of the London Stock Exchange Group companies and is used by FTSE International Limited under licence. All rights in the FTSE indices and/or FTSE ratings vest in FTSE and/or its licensors. Neither FTSE nor its licensors accept any liability for any errors or omissions in the FTSE indices and/or FTSE ratings or underlying data. No further distribution of FTSE Data is permitted without FTSE’s express written consent.”

    “©2017 Morningstar. All Rights Reserved. The information, data, analyses, and opinions contained herein (1) include the proprietary information of Morningstar, (2) may not be copied or redistributed, (3) do not constitute investment advice, (4) are provided solely for informational purposes, (5) are not warranted to be complete, accurate or timely; and (6) may be drawn from fund data published on various dates. Morningstar shall not be responsible for any trading decisions, damages, or other losses resulting from information or its use. Please verify all of the information before using it and do not make any investment decision except upon advice of a professional financial adviser. Past performance is no guarantee of future results. The value and income derived from investments may go down as well as up.”

    “Copyright © 2017, S&P Capital IQ (and its affiliates, as applicable). This may contain information obtained from third parties, including ratings from credit ratings agencies such as Standard & Poor’s. Reproduction and distribution of third party content in any form is prohibited except with the prior written permission of the related third party. Third party content providers do not guarantee the accuracy, completeness, timeliness or availability of any information, including ratings, and are not responsible for any errors or omissions (negligent or otherwise), regardless of the cause, or for the results obtained from the use of such content.”

    “Source: MSCI.  The MSCI data is comprised of a custom index calculated by MSCI for, and as requested by F&C Management Limited. The MSCI data is for internal use only and may not be redistributed or used in connection with creating or offering any securities, financial products or indices. Neither MSCI nor any other third party involved in or related to compiling, computing or creating the MSCI data (the “MSCI Parties”) makes any express or implied warranties or representations with respect to such data (or the results to be obtained by the use thereof), and the MSCI Parties hereby expressly disclaim all warranties of originality, accuracy, completeness, merchantability or fitness for a particular purpose with respect to such data.  Without limiting any of the foregoing, in no event shall any of the MSCI Parties have any liability for any direct, indirect, special, punitive, consequential or any other damages (including lost profits) even if notified of the possibility of such damages.”


    “Source: MSCI. The MSCI information may only be used for your internal use, many not be reproduced or redisseminated in any form and may not be used as a basis for or a component of any financial instruments or products or indices. None of the MSCI information is intended to constitute investment advice or a recommendation to make (or refrained from making) any kind of investment decision and may not be relied on as such.  Historical data and analysis should not be taken as an indication or guarantee of any future performance analysis, forecast or prediction. The MSCI information is provided on an “as is” basis and the user of this information assumes the entire risk of any use made of this information. MSCI, each of its affiliates and each other person involved or related to compiling, computing or creating any MSCI information (collectively the “MSCI Parties”) expressly disclaims all warranties (including, without limitation, any warranties of originality, accuracy, completeness, timeliness, non-infringement, merchantability and fitness for a particular purpose) with respect to the information. Without limiting any of the foregoing, in no event shall any MSCI Party have any liability for any direct, indirect, special, incidental, punitive, consequential (including, without limitation, lost profits) or any other damages. (www.msci.com)

    Email Communications

    Email is not guaranteed and therefore is not a secure method of communication. F&C does not guarantee that any e-mails sent by you over the internet will be received by us, nor can we guarantee the privacy and/or security of e-mails or data contained in any e-mails including, but not limited to, emails containing confidential information or instructions directed to any member of F&C.

    This Website is operated by F&C Management Limited (“F&C”), which is authorised and regulated by the Financial Conduct Authority (Reference No.119230) (www.fca.org.uk) and registered in England and Wales (Company Registration No. 517895). Its registered address is at Exchange House, Primrose Street, London EC2A 2NY, VAT No: GB 945 6754 80. General enquiries about this Website should be sent to info@fandc.com. This email address should not be used for any enquiries relating to investments.

    This Website is hosted in the UK and operated to comply with the laws of England and Wales. All visits, content and use of the Website, as well as these Terms and Conditions, are subject to, and governed by, the laws of England and Wales. If any dispute arises from your use of the Website or any of the information on or included within it, you therefore agree to submit to the exclusive jurisdiction of the Courts of England and Wales.

    Company Information

    F&C Management Limited is a member of the F&C Group of which F&C Asset Management plc is the holding company. The F&C Group is wholly owned by the Bank of Montreal. The F&C Group contains a number of other UK regulated subsidiary companies and subsidiary undertakings, including the following:
    Governing Law and Jurisdiction

    Company Name

    Company No.

    Registered Office*

    FCA Number

    F&C Managers Limited


    Ex House


    F&C Asset Managers Limited


    Ex House


    F&C Fund Management Limited


    Ex House


    F&C Investment Business Limited




    F&C Property Asset Management plc


    Ex House


    Thames River Capital LLP**


    Ex House


    Thames River Multi-Capital LLP


    Ex House


    *'Ex House' denotes Exchange House, Primrose Street, London EC2A 2NY and '6th Flr, Quartermile 4, 7a Nightingale Way, Edinburgh EH3 9EG

    **F&C Management Limited (CRD number 111598) and Thames River Capital LLP (CRD number 156432) are also registered as investment advisers in the US by the SEC.

    The F&C Group also contains a number of overseas regulated subsidiary companies: F&C Netherlands B.V., registered in Utrecht, which is regulated by The Netherlands Authority for the Financial Markets (Autoriteit Financiele Markten; the "AFM") and the Dutch Central Bank (De Nederlandsche Bank; "DNB"); and F&C Portugal, Gestão de Patrimónios, S.A., registered in Lisbon, which is regulated by the Banco de Portugal and by the Comissão do Mercado de Valores Mobiliários ("CMVM").     

    ® F&C, F&C Monogram, F&C Investments Monogram, F&C Investments, FANDC, FandC, fandc, Thames River, Thames River Capital and BMO Global Asset Management are registered trademarks of F&C Management Limited.

Information in this section of the Website is directed solely at persons who are located in the UK and can be categorised as retail clients. Nothing on this website is, or is intended to be, an offer, advice, or an invitation, to buy or sell any investments. Please read our full terms and conditions and the relevant Key Information Documents (“KID”) before proceeding further with any investment product referred to on this website. This website is not suitable for everyone, and if you are at all unsure whether an investment product referenced on this website will meet your individual needs, please seek advice before proceeding further with such product.



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