Please take time to read these terms and conditions. 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 (“Aegon”).
We recommend that you read these Terms of Service whenever you visit this Website, as we may revise these Terms of Service, from time to time. We may update and change our site from time to time to reflect changes to our products, our user’s need and our business purpose.
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. We recommend that you print a copy of these Terms of Service for future reference.
The Website is subject to change from time to time. 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.
The content on our Website is provided as general information only. It is not intended to amount to advice on which you should rely. We do not offer any financial or investment advice and nothing on this Website (or in any email you receive from us, see the paragraph “Email” below) 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. If you are unsure about the suitability of a course of action, you must obtain professional or specialist advice before taking, or refraining from, any action based on the content on our Website.
After you leave the Website (whether knowingly or not including hyperlinks to third parties which are offered on the Website), we are not responsible in any way for any other pages, websites, documents etc. that you access, and the results of accessing them. These links are provided for your information only and do not imply any endorsement by Cofunds, Aegon, Scottish Equitable plc or any other Aegon group company or its service providers, of the linked website or resources. Such links should not be interpreted as approval by Cofunds, Aegon, Scottish Equitable plc and any other Aegon group companies, of those linked websites or resources or information you may obtain from them. We and any Aegon group company have no control over the contents of those sites or resources
We do not accept any liability for your use of any third-party website and resources. 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.
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 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. We do not represent that content available on or through our Website is appropriate for use or available in other locations.
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 the paragraph “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 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.
You are responsible for making all arrangements necessary for you to have access to this Website. It is your responsibility to install, configure, maintain and obtain licenses for any software required to use and access this Website and for you to ensure this software is operating properly. You must not misuse our Website by knowingly introducing viruses, trojans, worms, logic bombs, spyware or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Website, the server on which our site is stored, or any server, computer or database connected to our Website. You must not attack our Website via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Website will cease immediately.
This paragraph sets out the content standard that apply when you upload content to our Website, make contact with other users on our Website, link to our site, or interact with our Website in any other way.
By using this Website, you confirm that you agree to accept the terms of acceptable use and you agree to comply with them.
If you do not agree with these terms you, you must not use the Website.
We may amend the terms of the terms of acceptable use, from time to time. Every time you use the Website, please check these terms to ensure you under the terms that apply at that time.
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 to the Website or in an email that is, or could be construed as being:
You also agree that you shall not:
We exclude our liability for all actions we may take in response to breaches of this paragraph “Terms of acceptable use”. The actions we may take are not limited to those described above, we may take any other action we reasonably deem appropriate.
Aegon UK has "General social media participation guidelines" that apply to anyone accessing or posting to Aegon social media or blogs. Please read the guidelines carefully as they will apply to you in these circumstances.
You must not post to any social media or modify the paper or digital copies of any materials that you have printed off or downloaded, and you must not use any illustrations, graphics, video or audio sequences separately from any accompanying text or explanation.
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, 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.
If you wish to complain about the content on or uploaded on to the Website or have any other questions, please contact us by:
Phone: call our helpdesk on 0345 604 4001, Monday to Friday 8:30am to 5.30pm (call charges will vary).
Post: you can write to us at Complaints Department, Aegon Cofunds Administration, PO Box 17491, Edinburgh EH12 1PB.
Calls may be recorded and monitored. Call charges will vary. You can contact us by email but it isn’t a secure method of communication. You may want to use other contact methods to send any personal, financial or banking information.