Legal

Everything you need to know

Corporate information and Financial Regulation

• All the companies collectively referred to as James Hay are wholly owned subsidiaries of the IFG Group PLC.
• James Hay Insurance Company Limited is the provider of the James Hay SIPP products and the underlying framework for these products is the ’James Hay Personal Pension Plan’ (the ‘Scheme’). James Hay Insurance Company Limited is authorised and regulated by the Jersey Financial Services Commission (JFSC) – Registration Number 77318
• James Hay Insurance Company Limited has appointed James Hay Pension Trustees Limited as Trustee of the Scheme and James Hay Administration Company Limited to administer the Scheme. James Hay Administration Company Limited is authorised and regulated by the Financial Services Authority (FSA) to operate the James Hay Personal Pension Plan FSA Registration Number 460698. You can check this authorisation with the Financial Services Authority at www.fsa.gov.uk/pages/register* or by calling them on 0845 606 1234
• The James Hay Wrap is provided by James Hay Wrap Managers Limited, a company authorised and regulated by the Financial Services Authority (FSA) – FSA Registration Number 225574. You can check this authorisation with the Financial Services Authority at www.fsa.gov.uk/pages/register* or by calling them on 0845 606 1234
• James Hay is subject to the jurisdiction of the Financial Ombudsman Service. The contact details are: Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR. Telephone: 0845 080 1800.
• James Hay follows the FSA's* complaint handling requirements. For more information see James Hay’s A Guide to our Complaints Procedure*.
• The Wrap Offshore Bond is provided and administered by Royal London 360 Insurance Company Limited, a Royal London company, and a provider of investment, life assurance and retirement planning products. Royal London 360 Insurance Company Limited is regulated by the Isle of Man Government Insurance and Pensions Authority and is a member of the Association of International Life Offices
• Holders of policies issued by Royal London 360 Insurance Company Limited will not be protected by the Financial Services Compensation Scheme established under the UK Financial Services and Markets Act 2000 if it is unable to meet its liabilities to them
• Investors with Royal London 360 Insurance Company Limited receive the protection of the Isle of Man Life Assurance (Compensation to Policyholders) Regulations 1991
• Royal London 360 Insurance Company Limited reserves the right to adjust the return for investment to reflect any levy or charge made on us under the Isle of Man Life Assurance (Compensation of Policyholders) Regulations 1991 or similar legislation

Company Registrations

• James Hay Insurance Company Limited is registered in Jersey, Registration number 77318. Registered office: IFG House, 15 Union Street, St Hellier, Jersey, JE1 1FG
• James Hay Pension Trustees Limited is registered in England, Registration number. 1435887
• James Hay Administration Company Limited (JHAC) is registered in England, Registration number 4068398
• James Hay Wrap Managers Limited is registered in England, Registration number 4773695
• The registered office of these companies is IFG, Trinity House, Buckingway Business Park, Swavesey, Cambs, CB24 4UQ
• Royal London 360 Insurance Company Limited is a Royal London company and a provider of investment, life assurance and retirement planning products. Royal London 360 Insurance Company Limited is regulated by the Isle of Man Government Insurance and Pensions Authority. Registered Office: Royal London House, Isle of Man Business Park, Cooil Road, Douglas, Isle of Man, IM2 2SP, British Isles. Telephone: +44 (0)1624 681681. Telephone calls may be recorded. Fax: +44 (0)1624 677336 or Website: www.royallondon360.com. Registered in the Isle of Man Number 053002C. A Member of the Association of International Life Offices

UK website use

This website is intended for use only by regulated Financial Advisers who can access it from within the UK and those of their clients that they have notified to James Hay Wrap Managers Limited may be granted such access. Any products or services referred to on these pages are intended for sale only to UK residents.

The information on this website is for regulated Financial Advisers only. It is not a consumer advertisement and should not be displayed and used as such.

Laws that Govern Our Site

This site is governed and shall be construed in accordance with the laws of England and Wales and any dispute or action arising out of this site shall be determined in accordance with such laws.

Intellectual Property Rights

"Intellectual Property" Rights means any patents, copyright, database rights, design rights, registered designs, trademarks or service marks, trade names or know how (whether registered or not) and all rights or forms of protection of a similar nature existing anywhere in the world. All intellectual property rights on this site are the exclusive property of the IFG Group PLC and may not be produced or copied, except as set out below. The contents of this site are © IFG Group PLC 2010. You are permitted to reproduce some of the content of this website only if specifically permitted in accordance with the instructions on how to use this website and the terms and conditions that govern your permission to use this website.

Liability

James Hay excludes all liability whatsoever for any loss or damage howsoever arising to the full extent lawfully permitted, as a result of the use of this website or reliance on any of its contents; loss includes all losses, claims, liabilities, costs expenses (including legal fees) and damages of any sort whatsoever and whether or not reasonably foreseeable or avoidable.

James Hay accepts no liability for any loss that may arise if the products or services advertised within this website become unavailable.

Hypertext Links

Certain hypertext links in this website may lead you to websites which are not under the control of James Hay. When you activate these, you may leave the James Hay website. These links are provided solely for your convenience and do not represent any endorsement or recommendation by James Hay.

James Hay accepts no responsibility or liability for the contents of any website to which a hypertext link exists and gives no representation or warranty as to the information on such websites. James Hay accepts no responsibility or liability for any loss arising from any contract entered into with any website to which a hypertext link exists.

No links may be created to this site without the express prior written consent of James Hay.

Information only

This site is not, and should not be construed as, an offer to sell or invitation to buy, or the solicitation of any offer to buy any investments, securities or other products or services. The information and opinions provided on this site are for guidance only and are not intended to provide investment, tax, legal or accounting advice to you. The information and opinions should not be relied on as authoritative or definitive and whilst they have been compiled in good faith, there is no representation or warranty, express or implied, as to their accuracy or completeness. They should not be used as the basis of any decision nor as a recommendation of the products and services referred to on this website, nor their suitability. Use of this website cannot be a substitute for taking your own advice about your particular circumstances.

Updating our important information

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