Thank you for logging on to view your revised product Terms and Conditions and other supporting literature, as detailed in the mailing you received week commencing 7 December 2015. 

Please click on the appropriate product tab to access the literature that applies to you. If you are unsure of your product name you will find this in your letter.


Please read the documentation.

If you are unhappy with any material change to your SIPP product Terms and Conditions, you may transfer your SIPP to another pension provider. We will waive our transfer out fee provided you give us your instructions to transfer out within 90 days of the change coming into effect.

If you have any questions about these changes, please contact your Financial Adviser or James Hay Account Executive team.