By using, you are confirming as an Individual User on behalf the Intermediary that you:

  • have read and agree to be bound by these Terms and Conditions (‘Terms’);
  • have authority to accept and agree to these Terms on behalf of the Intermediary; and
  • agree that it is a condition of these Terms, and you warrant, that you will comply with these Terms on behalf of the Intermediary.

If you do not accept these Terms, please leave immediately.

You should save or print a copy of these Terms and retain this for reference purposes.

The relationship between us and the Intermediary regarding the Intermediary's use of the Site(s) and the Services will be governed by:

  • the Intermediary Terms of Business to which the Intermediary is subject. Current version: Standard Life intermediary terms of business INT60;
  • the Terms contained in this document, which supplement the Intermediary Terms of Business; and
  • any Information (including but not limited to warnings and disclaimers) displayed on the Site(s)

The information on is designed for financial advisers. It's not suitable for anyone else. If you're not a financial adviser, please go to for information about the products and services we offer.