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Terms and Conditions

Important Information

This important legal information relates to the website www.barclaysinvestments.com (the "Site") and contains the terms and conditions on which we make it available to you (the “Terms”). The information also includes important information about the regulatory status of some of our companies and important risk warnings. Please read this important information carefully.

Some products, services and investments described on this Site are available on a limited basis only, due to local regulatory and legal requirements.

Site terms and conditions

References to "you" or "your" are references to any person accessing the Site.

References to "we", "us" or "our" are references to Barclays Investment Solutions Limited, 1 Churchill Place, London E14 5HP.

References to "Barclays" are references to us, our parent company and any companies we or our parent company totally or partly own at any time.

These Terms govern your use of the Site and by accessing the Site you agree to be bound by them. If you do not agree with these Terms, you should exit this Site immediately.

We may change these Terms from time to time. We will give you 30 calendar days’ notice of any change where regulatory requirements allow. We will give you this notice via this Site. We encourage you to review the changes made to these Terms.

Where we do so:

  1. we will tell you on the Site the date the change comes into effect;
  2. by continuing to access and use the Site, we will assume that you have read and accepted any changes to these Terms.

If you do not want to be treated as accepting a change, you should not access or use the Site.

Please note that if you are an existing customer of Barclays Bank UK PLC, these Terms will apply separately to those contained in your product or service terms, an additional copy of which can be obtained from us. For new customers, those product or service terms will be provided to you before you enter into a contractual relationship in respect of a particular product or service.

Use of Site

We may, in whole or in part, on a permanent or temporary basis, withdraw access to this Site. We may do this without prior notice but, where possible and within the law, we will provide as much reasonable notice as possible.

Cookies

On this site we use "Strictly Necessary Cookies":

  • Strictly Necessary Cookies are used on this Site. They are used only to enable the functionalities of this Site and provide you with the relevant content corresponding to your selected criteria (i.e. country and investor type). These cookies are not used to collect any information for targeted marketing; and
  • We do not use cookies for purposes of targeted profiling or marketing

When you connect to the Site for the first time, a banner appears in order to enable you to accept or reject the placement of Cookies on your device. Please note that you will be able to withdraw your consent and disable such cookies at any time, as explained in the Cookie policy.

Strictly Necessary Cookies are kept as long as they are not actively disabled. Please note that if you choose to disable Strictly Necessary Cookies, we will not be able to provide you with access to the areas of the Site that suit your selected criteria (i.e. country and type of investor).

To learn more about the cookies used on this Site, please read our Cookie policy.

Regulator and responsibility

The Site is maintained by Barclays Investment Solutions Limited. Barclays Investment Solutions Limited is authorised and regulated by the Financial Conduct Authority and is a member of the London Stock Exchange and NEX. Registered in England. Registered No. 2752982. Registered Office: 1 Churchill Place, London E14 5HP. The address of the Financial Conduct Authority is 12 Endeavour Square, London, E20 1JN.

Risk Warnings

Risk warnings are provided for your information and protection. We strongly encourage you to read them and to contact us or your local distributor if you have any questions about the features or risks of any investment or service. If you have an account with us, you should raise any questions with your usual contact. Otherwise, we recommend that you seek professional advice.

Investment in the products referred to in this Site may not be suitable for all investors and involve a significant degree of risk. You should read carefully and ensure you understand the risk factors in the relevant prospectus. Any investment information which may be provided on this Site is provided for illustration only. Illustrations of the likely risk and reward properties of possible portfolios and investments on this Site are not specific advice about any investment and you should not rely on them. Any illustrations are accurate at the time of writing only, and may be subject to change.

The recommendations made for your actual portfolio might differ from any asset allocation or strategies outlined on this Site. Please ensure that your portfolio is updated or redefined when your investment objectives or personal circumstances change.

Risks associated with investment performance

The value of the investments which may be stated in this Site, and the income from them, may fall as well as rise. Past performance of investments is no guide to future performance.

Exchange rate movements can affect the value of investments involving exposure to foreign currencies.

You may not get back the amount of capital you invest. Any income projections and yields are estimated and are included for indication only. Further, any valuations given in this Site may not accurately reflect the values at which investments may actually be bought or sold and no allowance has been made for taxation.

Data which may be found on this Site is based on quantitative research and analysis of historic data using current and proposed asset weightings and proprietary projections of expected returns and estimates of future volatility. Data does not reflect actual trading, liquidity constraints, fees and other costs. It should not be taken as a forecast or estimate of likely future returns. As illustrations do not take into account fees and commissions, or taxation, the actual performance of any investment might be more or less than is stated in any illustration.

Legal and tax advice

We do not provide any legal or tax advice and recommend that you obtain your own independent legal advice and independent tax advice, tailored to your particular circumstances, before making any investment. In order to provide you with information on our products and services, we may explain to you our understanding of the general tax position relating to them. We do not assume any legal responsibility for anyone acting on the information provided, and as tax law is subject to frequent change, your position should be checked with an independent professional adviser.

Our liability to you

We have duties to you under the Financial Services and Markets Act 2000 and other applicable laws and regulations, and will be liable to you in the circumstances prescribed by those laws and regulations. Save as otherwise provided in these Terms, we will be liable to you for loss you may suffer in respect of the Site and any information on it or in connection with the access of, use of, performance of, browsing in or linking to other sites from this Site or your use or inability to use the Site, only to the extent it results from our wilful default of these Terms or our fraud. To the fullest extent permitted by law, we will accept no liability (whether in contract, tort or otherwise) in any other circumstances for loss of any kind, including (without limitation) direct, indirect, incidental, special or consequential damages, loss of any profit, goodwill or reputation, expenses or losses arising out of, or in connection with any error, omission, defect, computer virus or system failure, of whatever nature no matter how they may arise, even if expressly advised of the possibility of such loss or damages.

We will be liable to you for any loss you may suffer as a result of acts or omissions relating to any Site services which we have delegated to any of our agents to the extent we would be liable for our own acts. None of our agents will be directly liable to you in any way.

This Site does not contain information which is intended to be investment, legal, tax or other advice. You should obtain relevant and specific professional advice tailored to your personal circumstances before making any investment decision.

Availability of the Site

We may modify, suspend or discontinue, temporarily or permanently, the Site or any part of it, with or without notice, at any time. You agree that we will not be liable to you or to any third party for any losses of any kind, no matter how they may arise, for any such modification, suspension or discontinuance of the Site.

Internet communications are not secure

Please remember that internet communications are not secure. We cannot accept any responsibility for the unauthorised access by a third party and/or the corruption of data being sent by individuals to the Barclays Group. Some countries prohibit transmission of encrypted data over telephone lines. You should not encrypt data transmitted if you know that doing so would contravene applicable local, national or international laws. For guidance relating to your use of internet communications, please contact a legal adviser.

Data Protection

This Site is used and maintained by Barclays Investment Solutions Limited.

Barclays Investment Solutions Limited does not collect Personal Information about you through this Site.

It is only in circumstances where you would like to inform us of any technical problem with this Site, through the email address mentioned in the “Contacting us” section below (barclaysinvestments.technicalhelp@barclays.com), that Barclays Investment Solutions Limited, as a data controller, will collect Personal Information about you - only the Personal Information contained in your email (i.e. your email address, first and last names if mentioned and your message) - in order to answer your request/question. “Personal Information” is any information relating to an identified or identifiable natural person.

Please note that the “barclaysinvestments.technicalhelp@barclays.com” email address should be used only to inform us of technical problems with this Site (please see the “Contacting us” section below).

For any other request, notably about the funds, please contact directly the relevant entity or service mentioned under the “Contacting us” section. Please note that we do not provide advice about funds through the “barclaysinvestments.technicalhelp@barclays.com” email address, so it is not necessary to send us information about your personal circumstances. We encourage you to mention as little Personal Information as possible in your email and only information necessary to answer your request. Your Personal Information will be used only by the authorised teams within Barclays Investment Solutions Limited in order to answer your request. If you wish to access, delete or correct your Personal Information (i.e. the information contained in your email) or object to its use, on legitimate grounds, please send us your request, with a copy of an ID, to barclaysinvestments.technicalhelp@barclays.com.

The above reflects the way in which we use Personal information, as stated in the Privacy policy of the Site.

Recording of communications

Telephone and other communications with the Investment Manager and/or its associated persons may be recorded and retained.

Hyperlinks

Where we provide hypertext links to third party internet websites, such links are not an endorsement by us of any products or services in such websites. You use such links entirely at your own risk and we accept no responsibility or liability of any nature whatsoever for the content, use or availability of such websites. We have not verified the truth or accuracy of any content of such websites.

No party is permitted to link any other website to this Site or frame or scrape the content of this Site without obtaining our prior written consent.

No Offer

No information on this Site should be construed as an offer or recommendation to acquire, continue to hold or dispose of any investment or to engage in any other transaction, or to provide any investment advice or service. The information does not take into account individual investor circumstances and no determination has been made regarding the suitability of any investment for any investor. You should obtain relevant and specific professional advice, tailored to your personal circumstances, before making any investment decision.

Countries from which you may access this Site

This Site is not directed to, nor intended for distribution or use by, any person or entity in any jurisdiction or country where the publication or availability of this Site or such distribution or use would be contrary to local law or regulation. You should not access the Site or information on this Site if you know that your access would contravene applicable local, national or international laws. For guidance on rules governing your use, please contact a legal adviser. In particular, but without limitation, this Site is not directed to, or intended for use by “U.S. Persons” (please see below). By accessing the Site, you hereby confirm that you are not a U.S. Person. If you are a U.S. Person, please exit the Site immediately.

A “U.S. Person” is: (a) a citizen or resident (including a ‘green card’ holder) of the United States; (b) a partnership, corporation, limited liability company or similar entity, organised or incorporated under the laws of the United States or having its principal place of business in the United States, or an entity taxed as such or subject to filing a tax return as such under the United States federal income tax laws; (c) any estate or trust the executor, administrator or trustee of which is a US Person unless (1) in the case of trusts of which any professional fiduciary acting as trustee is a US Person, a trustee who is not a US Person has sole or shared investment discretion with respect of trust assets and no beneficiary of the trust (and no settler if the trust is revocable) is a US Person; (2) in the case of estates of which any professional fiduciary acting as executor or administrator is a US Person, an executor or administrator of the estate who is not a US Person has sole or shared investment discretion with respect to the assets of the estate and the estate is governed by foreign law; (d) any estate the income of which arises from sources outside of the United States, is not effectively connected to a US trade or business and is includible in gross income for purposes of computing United States income tax payable by it; (e) any agency or branch of a foreign entity located in the United States; (f) any trust if a court within the United States is able to exercise primary supervision over the administration of the trust, and one or more US Persons have the authority to control all substantial decisions of the trust; (g) any discretionary account or non-discretionary account or similar account (other than an estate or trust) held by a dealer or other fiduciary located within or outside the United States for the benefit or account of a US Person; (h) any discretionary account or similar account (other than an estate or trust) held by a dealer or other fiduciary organised, incorporated or (if an individual) resident in the United States, except that any discretionary account or similar account (other than an estate or trust) held for the benefit or account of a non-US Person by a dealer or other professional fiduciary organised, incorporated (or if an individual) resident in the United States will not be deemed a US Person; (i) any firm, corporation or other entity, regardless of citizenship, domicile, situs or residence if, under the income tax laws of the United States from time to time in effect, any proportion of the income thereof would be taxable to a US Person even if not distributed, other than a passive foreign investment company; (j) any partnership, corporation or other entity if (A) organised or incorporated under the laws of any foreign jurisdiction; and (B) owned or formed by a US Person or Persons principally for the purpose of investing in securities not registered under the US Securities Act of 1933 (including but not limited to Shares of the Sub-Fund), unless it is organised or incorporated, and owned, by accredited investors (as defined in Rule 501(a) under the 1933 Act) who are not natural persons, estates or trusts; (k) any employee benefit plan unless such employee benefit plan is established and administered in accordance with the law of a country other than the United States and customary practices and documentation of such country; (l) a pension plan unless such pension plan is for the employees, officers or principals of an entity organised and with its principal place of business outside the United States; and (m) any entity organised principally for passive investment such as a commodity pool, investment company or other similar entity (other than a pension plan for the employees, officers or principals of an entity organised and with its principal place of business outside the United States) (1) in which United States persons who are not qualified eligible persons (as defined in Regulation 4.7 under the US Commodity Exchange Act) hold units of participation representing in the aggregate 10% or more of the beneficial interest in the entity; or (2) which has as a principal purpose the facilitating of investment by a United States person in a commodity pool with respect to which the operator is exempt from certain requirements of Part 4 of the US Commodity Futures Trading Commission’s regulations by virtue of its participants being non-United States persons.

Information on the Site may not be accurate

Although we have taken all reasonable care to ensure that the information provided on this Site is accurate, we give no warranties, guarantee or assurance of any kind, express or implied, with regard to the accuracy, reliability, suitability, quality, availability, timeliness, completeness, functionality, merchantability or fitness for a particular purpose of any such information, or as to its results, performance, or non-infringement.

Opinions and any other content of the Site are provided by us for your personal use and informational purposes only. They are subject to change without notice. Barclays has no obligation to update any or all content on this Site.

Security

We give no guarantees or warranties that functions contained on the Site or its content will be uninterrupted or error-free, that defects will be corrected, or that the Site or content, or any method of access to or storage in either, will be free of viruses or other harmful components. We will not be liable for any damage that may occur, viruses or other harmful components that may infect, or services, repairs or corrections that must be performed on account of your accessing or use of the Site or content. You should take steps to ensure that harmful components, such as viruses, trojans, worms or equivalent or similar harmful components, do not enter your computer system. For further information or advice on security, please read our Security section.

Intellectual property

The entire content of the Site is subject to copyright with all rights reserved and is provided only for your personal use. You may print part or all of the Site for your personal use, provided that you retain all copyright and other legal notices and otherwise comply with these Terms. We can revoke these permissions at any time. You may not download any portion of the Site for non-personal use or otherwise reproduce, transmit or modify any portion of the Site without our prior written permission.

Barclays, Barclays Wealth and Barclays Bank UK PLC are registered trademarks owned by Barclays. Your use of this Site does not give rise to any license of these trademarks. Other trademarks displayed on this Site are the property of their respective owners and are used with their permission.

No act of downloading or otherwise copying from this Site will transfer title to any software or material at this Site to you. No software on the Site may be downloaded or otherwise exported in contravention of U.S. Department of Treasury, U.S. Department of Commerce or other applicable regulations or laws, or to a resident of or location in any nation to which the United States or United Kingdom has embargoed goods. You also agree not to use the information for any unlawful purpose and you will comply with any request from us to protect our or any third party's rights in the information.

Contacting us

All communications between you and us will be in English.

Luxembourg-domiciled funds

If you are an investor in, or wish to invest in the Luxembourg domiciled Barclays Portfolios SICAV, please contact:

  • Your usual Barclays contact or professional financial adviser
  • The helpline on +352 276 222 469 between 9.00am and 6.00pm Central European Time (Monday to Friday, excluding bank holidays)
  • The following email address: barclays-ta-lux@ntrs.com

Ireland-domiciled funds

If you are an investor in, or wish to invest in one of our Ireland domiciled funds, please contact:

  • Your usual Barclays contact or professional financial adviser
  • The helpline on +353 (0) 1 434 5131 between 9:00am and 5.15pm GMT (Monday to Friday, excluding bank holidays)
  • The following email address: barclays_ta@ntrs.com
  • Barclays Personal Investment Management (BPIM) clients should contact their Investment Servicing Manager on 0333 202 7478 between 9.00am and 6.00pm (Monday to Friday, excluding bank holidays)

Jersey-domiciled funds

If you are an investor in, or wish to invest in our Jersey domiciled fund, please contact:

  • Your usual Barclays contact or professional financial adviser
  • The helpline on +44 (0)1534 812 800 between 8:00am and 6:00pm GMT (Monday to Friday, excluding bank holidays)
  • The following email address: barclayssbf@ntrs.com

United Kingdom-domiciled funds

If you are an investor in one of our United Kingdom-domiciled funds, please contact:

  • Your usual Barclays contact or professional financial adviser
  • The helpline on 0333 300 0093 between 8:00am and 6.00pm GMT (Monday to Friday, excluding bank holidays)
  • The following email address: barclays@ntrs.com
  • Barclays Personal Investment Management (BPIM) clients should contact their Investment Servicing Manager on 0333 202 7478 between 9.00am and 6.00pm (Monday to Friday, excluding bank holidays)

Technical problems with this website

To report a fault with this Site, please email barclaysinvestments.technicalhelp@barclays.com.

Please note that this email address should be used only to inform us of technical problems with this Site. We do not provide advice about funds through this email address, so it is not necessary to send us information about your personal circumstances. We encourage you to mention as little Personal Information as possible in your email and only information necessary to answer your request.

For any other request, notably for information about the funds, please contact directly the relevant entity or service mentioned above.

Severability

If any provision in these Terms is held to be illegal, invalid or unenforceable, in whole or in part, then such provision or part of it will, to the extent that it is illegal, invalid or unenforceable, be deemed not to form part of these Terms and the legality, validity and enforceability of the remainder of these Terms will not be affected.

Law and where any dispute would take place

These Terms, and any non-contractual obligations arising out of or in connection with them, are governed by English law. The courts of England will have exclusive jurisdiction to settle any dispute arising out of or in connection with this Agreement or any non-contractual obligation arising out of or in connection with these Terms.

The UK Stewardship Code

In July 2010, the UK’s Financial Reporting Council published "The UK Stewardship Code." This Code comprises a set of guidelines aimed at improving the ways in which institutional investors interact with the management of companies in which they invest. In addition it proposes measures to increase the level of transparency surrounding institutional investors’ activities as shareholders for the benefit of the investors’ underlying clients.

This section of the Terms explains how Barclays Investment Solutions Limited address the measures proposed in these guidelines.

Investment management is carried out for professional investors in the UK by Barclays Investment Solutions Limited. Investment management activity is predominantly carried out in the form of multi-manager and fund of fund arrangements. That is to say that we choose to outsource the selection of assets, including shares, to other investment managers, by either investing into a fund or by giving a number of managers a portion of the money that we raise for investment from underlying fund investors. These managers we select through a thorough due diligence process, focusing in every case on identifying a manager that we believe can generate the best risk-adjusted returns in the asset class or strategy in relation to which we are seeking to delegate management.

As part of the manager selection process, and on an ongoing basis, we will consider numerous factors around the manager’s proposed investment strategy and their performance against that strategy.

Across all of our UK investment management activity, Barclays Investment Solutions Limited will not generally exercise voting rights. However, where Barclays Investment Solutions Limited does exercise discretion to vote for or against a particular proposal it will be in a manner consistent with its customers’ best interests. We do not therefore directly commit to observe the Stewardship Code, though we do support its aims. Our main goal in fund management is to ensure that we select managers and funds that seek to maximise investor returns within the constraints they operate under given their particular specialism.

Important company and regulatory information

This Site provides information relating to a number of different funds. Not all funds are available to all investors. To check which funds are available to you, select your country and investor type from the available options. If you have any questions, please get in touch with your usual Barclays contact or professional financial adviser.

Our range of funds includes:

Barclays Multi-Manager Fund public limited company, Barclays Investment Funds (Channel Islands) Limited, Barclays Portfolios SICAV, Barclays Wealth Investment Funds (UK), Barclays Multi-Manager Fund (UK), Barclays Multi-Manager Fund (UK Series 2), Barclays Dividend and Growth Portfolio and Barclays Charity Fund, which are all either authorized or recognised collective investment schemes as defined under Section 237 (3) of the Financial Services and Markets Act 2000 (as amended) in the UK.