Terms and conditions

The terms on which you may use this website.

SJP Approved xx/xx/xx

1. Who we are

This website is operated by Legacy Capital Management, a trading name of Scott Mackey, a St. James’s Place Partner Practice. Members of the St. James’s Place Partnership in the UK represent St. James’s Place Wealth Management plc, which is authorised and regulated by the Financial Conduct Authority.

By using this website you accept these terms. If you do not accept them, please do not use the site.

2. The information on this site is not advice

Everything on this website is provided for general information only. It is not personal financial advice and it is not a recommendation to take, or not take, any particular course of action. Nothing here takes account of your own circumstances, objectives or attitude to risk.

Advice is only given after we have understood your circumstances and set out a recommendation in writing. If you are considering any financial decision, please speak to us first.

3. Risk warnings

Your home may be repossessed if you do not keep up repayments on your mortgage. The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested. Past performance is not indicative of future performance. The levels and bases of taxation, and reliefs from taxation, can change at any time and are generally dependent on individual circumstances.

4. Keeping the site available

We take reasonable care to keep the information on this site accurate and up to date, but we do not guarantee that it is complete, current or error-free. We may change, suspend or withdraw all or any part of the site at any time without notice, and we do not guarantee that the site will always be available or uninterrupted.

5. Links to other websites

Where we link to websites operated by other organisations, including St. James’s Place, those links are provided for your convenience. We have no control over the contents of those sites and accept no responsibility for them or for any loss arising from your use of them.

6. Intellectual property

The content of this site, including text, images, layout and branding, is owned by or licensed to us and is protected by copyright and other intellectual property laws. You may view, download and print pages for your own personal use. You may not reproduce, republish or use any part of the site for commercial purposes without our written permission.

7. Your use of the site

You agree not to use this site in any way that is unlawful, or that could damage the site, impair its availability, or interfere with anyone else’s use of it. You must not attempt to gain unauthorised access to the site or to any server or database connected to it.

8. Your personal information

We handle any personal information you give us in line with our privacy policy. Our use of cookies is set out in our cookie policy.

9. Complaints

St. James’s Place acts as principal to the Partnership and is responsible for managing any complaints made in respect of the services we provide. If you are unhappy with anything we have done, please tell us on 07444 783390 in the first instance so we can try to put it right.

10. Governing law

These terms are governed by the law of England and Wales, and the courts of England and Wales have exclusive jurisdiction over any dispute arising from them.

11. Changes to these terms

We may update these terms from time to time. The version published on this page is the one that applies to your use of the site.