It's important that you read this page. It contains important information. This page together with the documents referred to on it (the "Terms of Service") contain the terms and conditions by which you may use this Aegon website (as described below).
www.cofunds.aegon.co.uk is a website (called the "Website" in these Terms of Service) operated by Cofunds Limited ("we" or “our”). We are registered in England (registered no. 3965289), our registered office is Level 43, The Leadenhall Building, 122 Leadenhall Street, London EC3V 4AB (“Cofunds”). Cofunds is a wholly owned subsidiary of Aegon UK plc.
We may revise these Terms of Service at any time, without notice to you.
Please read these Terms of Service carefully before you use the Website as these will apply to your use of the Website. By using or accessing the Website you accept and agree to comply with these Terms of Service. If you do not agree to these Terms of Service, you must not use the Website.
The Website is subject to change without notice. The Website is not in any way an offer to sell our products. The Website only gives you information about the services, products and support we provide and, through which, you or your intermediary can submit an application for an:
and gives you information about the products that you hold with us and allows you to make changes to them.
We do not offer any financial or investment advice and nothing on this Website (or in any email you receive from us, see clause 6 (Email)) should be regarded as offering personal financial or investment advice and/or the provision of advice on the suitability of a Cofunds or Scottish Equitable plc product or an investment or fund.
After you leave the Website (whether knowingly or not), we are not responsible in any way for any other pages, websites, documents etc that you access, and the results of accessing them. We do not accept any liability for your use of any third party website and resources. In particular, you may be going to a website whose originator is not authorised and regulated by the Financial Conduct Authority.
We are not responsible for the security of content of any non-Aegon websites which are linked to from the Website. Any link is not intended to be, nor should be construed as, an endorsement of any kind by us.
We grant you a revocable right to use the Website for your personal (non-commercial) use in accordance with these Terms of Service.
Copyright in the Website, any trade marks displayed on the Website, and all other logos and trading names, text, photographic and video images, sound recordings, and the design, layout and appearance of and graphics contained within the Website, are owned by Aegon UK plc or other Aegon group companies. All rights reserved.
You agree that you will not use any of the foregoing for any purpose whatsoever, except for the use of the Website as permitted under these Terms of Service.
The Website is intended for the information and use of United Kingdom residents, who are aged 18 or over, only. We will provide information on the Website only in English. By using the Website you confirm that you are a United Kingdom resident aged 18 or over.
Please note that any downloading of software or information is done at your own risk. We do not warrant the suitability of anything that is downloaded and accept no liability for any problems that may arise as a result. If you're in any doubt about downloading anything, we recommend that you take specialist advice before downloading.
We do not guarantee that any email sent to us through the Website will be received or that the contents will remain private during transmission. If you are concerned about this, then please consider other means of communication. You will be responsible for ensuring that any electronic message or information you send to us is free from any virus or defect that may harm our systems in any way, and that you are otherwise complying with clause 8 (Terms of acceptable use).
We do not guarantee that the Website will be available at all times. Access to the Website is permitted on a temporary basis. Further, we reserve the right to withdraw the Website at any time without notice. Neither Aegon UK plc nor any other Aegon group company shall be liable to you or any third party in any way if the Website is unavailable or withdrawn at any time or for any period.
We reserve the right to suspend or terminate your access to the Website where we reasonably believe you have breached these Terms of Service, or there is fraudulent activity or a security breach (whether or not caused by you).
Where you have breached these Terms of Service, you acknowledge that we may also (i) take legal proceedings against you for reimbursement of our costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) resulting from the breach; (ii) take any further legal action against you; and/ or (iii) disclose such information to law enforcement authorities as we reasonably feel is necessary.
We make the Website and forms of communication on the Website, such as, email available for you to use. Your use of the Website and email is subject to you not including and/or uploading any comment or material in an email that is, or could be construed as being:
You also agree that you shall not:
link to the Website:
We reserve the right, at our sole discretion, to suspend or terminate your access the Website and remove any comment or material if we consider, acting reasonably, or we reasonably believe another person may consider, that (i) any such posting or email contains such comment or material, or (ii) that you have breached our Fair Use Terms.
Aegon UK has "General social media participation guidelines" that apply to anyone accessing or posting to Aegon UK social media or blogs. Please read the guidelines carefully as they will apply to you in these circumstances.
We will not be liable or responsible for any failure to perform, or delay in performance of, any of our obligations under these Terms of Service if that is caused by events outside our reasonable control, including any act, event, non-happening, omission or accident beyond our reasonable control. Some examples of such an event are:
Our performance under these Terms of Service will be suspended for the period that such events set out above continues, and we will have an extension of time to carry out our obligations under these Terms of Service for the duration of that period. Where possible, we will use reasonable efforts to bring such event detailed above to a close or to find a solution.
Our use of your personal information is governed by our Privacy Statement, which forms part of these Terms of Service. Please read the Privacy Statement carefully – it deals with your rights and our obligations in relation to your personal data, including what we can do with it, to whom we may disclose it, together with your rights under applicable data protection laws.
We make products and services available to you through the platform that you can access via the Website. The terms and conditions of the Aegon GIA, Aegon ISA, Aegon LISA (where this is available to you), the Aegon SIPP and the platform services that we provide in respect of these and certain other products are contained in a separate document entitled “the Aegon Platform terms and conditions”, together with additional terms and conditions documents for the Aegon LISA and Aegon SIPP and certain other products we may make available to you. Copies of these documents are available via the Website but those terms and conditions and the products and services to which they relate are separate from these Terms of Service.
Aegon categorises all of our clients as ‘Retail clients’ under the Financial Conduct Authority rules for all services and transactions. This helps us to make sure that you receive the appropriate disclosure documents from us and that you are made aware of everything you need to know in a timely fashion.
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