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It is important that you read the following before proceeding as it explains certain legal and regulatory issues and other matters which you should be aware of when reviewing the content of this Website.

  1.  When using this Website (the "Website") and viewing its contents you agree and warrant that you do so in accordance with, and not in contravention of, the laws of the jurisdiction in which you are resident, domiciled or located. Nedgroup Trust accepts no liability arising from your use or viewing of this Website which is in contravention of the laws of the jurisdiction in which you are resident, domiciled or located.

  2. You may have access to our website. When accessing any such website you will be subject to the terms of use and liability exclusions appearing thereon from time to time. By using our website, you indicate that you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using our website.
  3. By accessing the Website you confirm that you are an individual of at least 18 years of age, or, if under 18, that you are accessing the Website with full parental/guardian consent. In making use of the Website you agree to abide by any and all of these following terms and conditions governing use of the Website (the "Terms"). In these Terms, "we", "our" and "us" means Nedgroup Trust and "you" and "your" means any natural or legal person who uses the Website and each entity on whose behalf the user acts.

  4. We may at any time terminate the website, or restrict access to it without prejudice to any other accrued rights. We aim to update our website regularly, and may change the content at any time. If the need arises, we may suspend access to our website or close it indefinitely. Any of the material on our website may be out of date at any given time, but we will take all reasonable steps to update material as soon as practicable.
  5. The purpose of the Website is to give information about our products and services. The information contained on the Website is not intended to and does not constitute any offer by us to sell, neither is it intended to be an invitation or solicitation to buy, any product or service and must not be relied upon in connection with any investment or other decision. Any application form, agreement or other document for or relating to any service or product which can be downloaded from the Website does not constitute any offer by us to provide the service or product to which it relates. Nedgroup Trust will not be bound by any communication from you. Nothing contained on the site constitutes investment, legal, tax or other advice and is not to be relied on in making an investment decision.

  6. You agree to abide by all applicable laws, regulations and codes (including self regulatory) and you agree to be solely responsible for all things arising from your use of the Website.

  7. You agree not to:

    1. modify, access or make available data stored on a computer or device which you have accessed through our network, when either the owner of the data, computer or device has taken steps to prevent you from doing this or the owner has expressed a wish that you do not do this;

    2. make available or upload files that contain software or other material, data or information not owned by or licensed to you or collect information about others (eg, names/addresses) without their prior consent;

    3. damage, interfere with or disrupt access to the Website or do anything which may interrupt or impair its functionality;

    4. save as authorised in these Terms or as agreed in writing between you and us, make any commercial or business use of the Website or resell or commercially benefit from any part or aspect of the Website.

    We retain the absolute right to disconnect you from the Website, without prejudice to any of our accrued rights, where we in our sole discretion consider you are contravening these Terms.

  8. You agree that we have no control over third party content and information which can be accessed using the Website and that we do not examine or edit the use to which you or others put the Website or the nature of the content or information being accessed and that we are excluded from all liability of any kind arising from such content or information.

  9. Neither we, nor any of our directors, employees or representatives shall be liable for any damages arising out of, or in connection with, the use of the Website. This limitation of liability applies to all damages of any kind, including, but not limited to compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property and claims of third parties.

  10. We will not be held responsible for the security of the Website, for any disruption to the Website (however caused) or for any loss or corruption of material when downloaded from the Website onto any computer system. In particular, although we seek to ensure that any information specifically relating to you and your account which may be accessed by you is incapable of being accessed by any third party, we cannot be held responsible if third parties hack into such information or it otherwise becomes available to third parties. We do not warrant that your use of the Website or material downloaded from it will not cause computer virus infection or other damage to property.

  11. Except as expressly provided for below, you agree to indemnify and hold us, and any of our officers, employees and agents harmless from and against all and any losses, liabilities, damages, costs or expenses of any character incurred or suffered and any claims or legal proceedings which are brought or threatened, in each case arising from your use of, or conduct on, the Website and/or any breach of these Terms.

  12. The copyright in the content of this Website is owned by or licensed to us and other intellectual property rights in and relating to the Website are owned by us. No part of the content of this Website may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means without our prior written consent, except that you may print or download the visible text of an individual page for private and personal non-commercial use only. You may not reproduce any other part of the Website (including without limitation the structure, overall style and program code). 

  13. No third party is permitted to link any other website to this site without obtaining our prior written consent.

  14. The Website may also contain links to other websites which are not under our control and are not maintained by us. We are not responsible or liable in any way for such websites and cannot vouch for the suitability or accuracy of the content of those websites. We provide these links for your information and convenience only but do not monitor or endorse the material on such other websites and you link to them at your own risk. We shall not be responsible or liable for any damages or in any other way in connection with linking to websites.

  15. We may at any time terminate the Website, or restrict your access to it, refuse to correspond with you, and/or remove your details from our database without prejudice to any other accrued rights.

  16. Internet communications are not secure unless the data being sent is encrypted. Please remember that email is not a completely secure means of communication: it is possible for others to intercept and to read your messages. Therefore, should you choose to send us information via email, it is at your own risk 

  17. We cannot take any responsibility for the unauthorised access by a third party and/or the corruption of data being sent by individuals to the offices of Nedgroup Trust.

  18. We reserve the right to amend these Terms. You will be bound by changes through your continued use of the Website.

  19. We may assign to any person all or any of our rights under these Terms.

  20. Our failure to exercise or enforce any of our rights in connection with these Terms shall not constitute a waiver of any such rights unless acknowledged and agreed to by us to you in writing.

  21. These Terms shall be construed in accordance with the laws of Jersey and Guernsey, as appropriate. We and you irrevocably agree that the courts of the Jersey and Guernsey, as appropriate, are to have non-exclusive jurisdiction to settle any disputes which may arise out of or in connection with these Terms. If any provision of these Terms is held by a court of competent jurisdiction to be contrary to the law then such provisions shall be construed as far as possible to reflect the intention of the parties with the other provisions remaining in full force and effect.


  1. We will store and process your information on our computers and in any other way. By "your information" we mean personal and financial information we obtain from you or from third parties (such as credit reference agencies or other organisations when you apply for a product or service), 

  2. We and other companies in the Old Mutual Group will use your information to provide our services, for assessment and analysis (including credit and/or behaviour scoring, market and product analysis), and to develop and improve our services to you, for example by informing you about products and services (including those of others) which may be of interest to you (although other members of the Group will only send marketing material to you with your consent). If you do not want to receive information about our products or services please inform us. 

  3. If we transfer your information to a service provider or agent in another country, we will make sure that the service provider or agent agrees to apply the same levels of protection as we are required to apply to information held in Jersey and Guernsey, and to use your information only for the purpose of providing the service to us. 

  4. The use of our web pages may enable us to count users who have visited certain pages on our website. This is not used by us to access your personal information. It is simply a tool we use to analyse which web pages customers view, in an aggregated manner.

  5. Calls may be recorded for security reasons and so that we may monitor the quality of our service.

  6. We will keep all information about you confidential and will not disclose any such information outside of the Old Mutual Group except: 
  • to persons acting as our agents under a strict code of confidentiality;

  • to anyone to whom we transfer or may transfer our rights and duties under your Service Agreement;

  • as required by law or regulation.

We are committed to protecting your privacy during your visits to our website and recognise our responsibility to hold your information securely and confidentially.

When you visit the website, we may collect information about you which may not personally identify you but which may be helpful for improving the operation of the website. Such information may be collected through "traffic data" and may entail the use of "Cookies", "IP addresses" or other numeric codes used to identify your computer.


Cookies are small text files placed on your computer and are commonly used on the internet. We use them to:

collect anonymous information that will help us understand visitors’ browsing habits on our website;

  • compile statistical reports on website activity, eg number of visitors and the pages they visit

  • temporarily store any information which you may enter in tools, such as demonstrations on our website; and in some cases, remember information about you when you visit our website. 

We may need to do this to provide some of our services.

We do not use cookies to track your use of the internet and other websites after you leave our website, nor do we store any personal information in them that others could read and understand.

We may use four types of cookie:

Session cookies - these are temporary and are deleted as soon as you close your browser.

Persistent/permanent cookies - these are stored on your computer until they expire or you remove them. Persistent cookies store your personal preferences such as your language preferences on multi-lingual sites to make subsequent visits easier.

Social cookies - These are cookies which are set by third-party social media site add-ons which allow you to share website content.

Third party cookies - we work with third parties who, on our behalf, research the use of our website and activities on it. In doing so they may place a cookie on your computer. However it would not contain any personal information that others could read and understand. We also work with third parties to evaluate the effectiveness of our advertising and promotions on third party websites. Again, the cookie would not contain any personal information that others could read and understand.

Accepting or rejecting cookies

You can configure your internet browser to warn you each time a new cookie is about to be stored on your computer so that you may make a decision whether to accept or reject it.

The Interactive Advertising Bureau is an industry body that has produced a series of web pages which explain how cookies work and how to disable and delete cookies if you wish.

Please note that some parts of our website may not function properly if you reject cookies.


Nedgroup Trust is a registered trade name of Nedgroup Trust Limited and Nedgroup Trust (Jersey) Limited.

Nedgroup Trust (Jersey) Limited is regulated by the Jersey Financial Services Commission. Nedgroup Trust Limited is licensed by the Guernsey Financial Service Commission under the Regulation of Fiduciaries Administration Businesses and Company Directors, etc (Bailiwick of Guernsey) Law 2000 to carry out Fiduciary Duties, and Company Administration. Company Registration No. 23460.