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The "reasons for recommendation" found within this site are provided for Merrill Lynch to copy onto client files to act as a reminder of product features and the reasons why a particular product was recommended. The "client report" paragraphs provided on this site are to assist Merrill Lynch in writing client recommendation reports. These are only suggestions for some of the more typical investment scenarios and will often need to be adapted to specific investor requirements. In all cases Merrill Lynch will be responsible for the content of the client files and the client reports and the compliance of these with their regulatory body(ies). None of the information contained on this site constitutes personal recommendations nor advice. Product details should always be read in conjunction with the prospectus, simplified prospectus or the key investor information document, and the terms and conditions, all of which are available on site.

WE BELIEVE THAT THE INFORMATION WHICH MAY BE VIEWED ON THIS WEB SITE IS ACCURATE AS AT THE DATE OF PUBLICATION, BUT WE DO NOT GUARANTEE THE ACCURACY OR CURRENTNESS OF THE DATA AND WE DISCLAIM ALL REPRESENTATIONS AND WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY, FITNESS FOR PARTICULAR PURPOSES, TITLE AND NON-INFRINGEMENT. (IN PARTICULAR, THE INVESTMENT TRUST PRICE DATA CONTAINED ON THIS WEB SITE IS PROVIDED NOT BY US BUT BY TRUSTNET AND THE ASSOCIATION OF INVESTMENT TRUST COMPANIES AND THE UNIT TRUST AND OEIC PRICE AND PERFORMANCE DATA PROVIDED BY TRUSTNET). FURTHERMORE, THE INFORMATION MAY BE AMENDED BY US AT ANY TIME WITHOUT NOTICE. BY PROCEEDING YOU AGREE TO THE EXCLUSION BY US, SO FAR AS THIS IS PERMITTED UNDER THE PROVISIONS OF THE UK FINANCIAL SERVICES AND MARKETS ACT (OR ANY REPLACEMENT LEGISLATION INSOFAR AS SUCH LEGISLATION PERMITS SUCH A STATEMENT TO BE MADE) AND THE APPLICABLE UK REGULATORY SYSTEM, OF ANY LIABILITYFOR ANY DIRECT, INDIRECT, PUNITVE, CONSEQUENTIAL, INCIDENTAL, SPECIAL OR OTHER DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, REVENUE OR DATA ARISING OUT OF OR RELATING TO YOUR USE OF AND OUR PROVISION OF THIS SITE AND CONTENT REGARDLESS OF THE FORM OF ACTION, WHETHER BASED ON CONTRACT, TORT (NEGLIGENCE), WARRANTY, STATUTE OR OTHERWISE, AND REGARDLESS OF WHETHER WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THIS SITE, OR OF THIS IMPORTANT INFORMATION, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF THIS SITE.

You should be aware that the internet is not a completely reliable transmission medium. We shall not have any liability for any data transmission errors such as data loss or damage or alteration of any kind, including, but not limited to, any direct, indirect or consequential damage, arising out of the use of the services provided herein.

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An application for any of the investment products on this site should be made having read fully not only the relevant application form, but also the relevant terms and conditions of the prospectus, simplified prospectus or the key investor information document and the latest annual or semi-annual report applicable to the chosen product. All these relevant documents can be found on this web site.

Our affiliates, officers and/or employees may have holdings in Janus Henderson Investors’ investment products and may otherwise be interested in transactions that you effect in those products.

Past performance is not a guide to future performance. The value of an investment and the income from it can fall as well as rise and you may not get back the amount originally invested. Tax assumptions and reliefs depend upon an investor’s particular circumstances and may change if those circumstances or the law change.

We do not offer investment advice.

Otherwise than as specifically set out, the information on this web site must in no circumstances be copied, reproduced or redistributed in whole or in part. You may download or print copies of some of the documentation contained on this web site for your own private use only, provided that you do not change any copyright, trademark or other proprietary notices. All intellectual and other property information contained in this web site shall continue to be held by us and no rights of any kind in it shall pass to you.

This web site may contain or be linked to advice or statements of third parties. We make no representation as to the accuracy, completeness, timeliness or suitability of such information, and we have not and will not review or update such information and caution you that any use made of such information is at your own risk. Some of the information contained on this web site may also have been prepared or provided by third parties and may not have been verified by us. We hereby exclude any liability arising out of any preparation or provision of such information for the web site and makes no warranty as to the accuracy, suitability or completeness of any such information.

This web site is governed by the laws of England and Wales.

This Important Legal Information may be updated from time to time. You will be advised within this site of the last date on which any updates have been made. If you choose to bookmark pages within the web site for future use, you agree that it is your responsibility to check if any such updates have been made since you last visited this web site.

Further Information

Please note that we may change this  Important Legal Information from time to time so please check it regularly.

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We may record telephone calls for our mutual protection and to improve customer service.

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A "US Person" is: any natural person resident in the United States ("US"); or a corporation or partnership incorporated or organised in the US, but excluding an offshore branch or agency of a US person that operates for valid business reasons and is engaged and regulated as an insurance company or bank; or a branch or agency of a foreign entity located in the US; or a trust of which the trustee is a US person, unless a non-US person has or shares investment discretion; or an estate of which a US person is the executor or administrator, unless the estate is governed by foreign law and a non-US person has or shares investment discretion; or a non-discretionary account held for the benefit of a US person; or a discretionary account held by a US dealer or fiduciary, unless held for the benefit of a non-US person; or any entity organised or incorporated for the purposes of evading US securities laws.