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Legal and Regulatory Information

This website is owned and maintained by Sanlam FOUR Investments UK Limited.

The use of this website is subject to the following terms and conditions which you should read carefully. By using this website you agree to be legally bound by these terms and conditions. If you do not accept these terms and conditions, please do not use this website.

Legal Information

This website is intended for professional investors only. Past performance is not a guide to future performance.

The market value of, and the income derived from, the shares of any Sanlam FOUR Fund may fluctuate in accordance with: the values of the investments held by the Funds and other market conditions. Investors may not get back the full value of their investment. There can be no guarantee that the investment objectives of the Funds will be met. The Funds may from time-to-time be more concentrated than those of other investment funds and thus potentially carries a higher level of risk than a more diversified portfolio. There will be times when the Funds' investment performance will be quite unlike that of any stock market index, which may or may not be to the advantage of the Funds. This website does not constitute an offer, invitation or solicitation. The information and opinions contained in this website are subject to change without notice.

This website has been prepared by Sanlam FOUR Investments UK Limited (“Sanlam FOUR”), which is authorised and regulated in the United Kingdom by the Financial Conduct Authority.

This website and the information contained in it is confidential and is being supplied to potential investors solely for information and may not be reproduced, redistributed or passed on, directly or indirectly, to any other person or published in whole or in part, for any purpose.

This website does not constitute or form any part of any offer or invitation to issue or other solicitation of any offer to subscribe for or recommendation to issue, acquire, sell or arrange any transaction in any securities. No reliance may be placed for any purpose whatsoever on the information, representations or opinions contained in this website nor shall it or any part of it form the basis of or act as an inducement to enter into any contract for any securities, and no liability is accepted for any such information, representations or opinions.

The information contained in this website is in summary form and is being provided for background purposes only, has not been verified and is subject to material amendment, revision and up-dating.

The statements contained in, or incorporated by reference into, this website that are not historical facts are “forward-looking statements”, which can be identified by the use of forward-looking terminology such as “believes”, “expects”, “intends”, “may”, “will”, “should” or “anticipates” or the negative thereof or other variations thereof or comparable terminology, that involves risks and uncertainties. Such risks and uncertainties include, but are not limited to, changes in market, political or business conditions or in the tax or regulatory framework in the UK or other relevant jurisdictions, any of which could cause actual results to vary materially from the future results implied in such forward-looking statements. No assurance can be given as to the future results that will be achieved. The past performance of funds managed by Sanlam FOUR is not a guide to the future performance of funds managed by Sanlam FOUR.

Neither Sanlam FOUR nor any other person makes any guarantee, representation or warranty, express or implied as to the accuracy, completeness or fairness of the information and opinions contained in this website which has been prepared in good faith, nor does either Sanlam FOUR nor any other person accept any responsibility or liability whatsoever for any loss howsoever arising, either directly or indirectly from any use of this website or its contents or otherwise arising in connection therewith. The information contained in this website may not be reproduced without the prior written consent of Sanlam FOUR.

Regulatory Information

Sanlam FOUR Investments UK Limited (“Sanlam FOUR”) is a limited liability company incorporated in England & Wales with registered number 5809399 and having its registered office at 1 Ely Place London EC1N 6RY. Sanlam FOUR is authorised and regulated by the Financial Conduct Authority.


The contents of this website do not purport to provide any financial, investment or professional advice and nothing on the pages of this website shall be deemed to constitute the offer or provision of financial, investment or other professional advice in any way. In particular, you should obtain advice from a qualified expert before making any investment decision.

Use of Website

The information provided on this website (or in any communication containing a link to this site) is for personal use and informational purposes only and is not intended for distribution to, or use by, any person or entity in any jurisdiction in any country where such distribution or use would be contrary to law or regulation or which would subject any member of the Sanlam Group to any registration requirement within such jurisdiction or country. Where any opinions are expressed on this website, they are provided by the Sanlam Group for personal use and for informational purposes only.

Unless otherwise stated on the product pages, the services and products on this website are intended for use by residents of the UK and South Africa, and are not aimed at or intended for use by residents of any other jurisdiction.

This website is designed to be accessed through its principal home pages and such other pages as we may decide. If you access the site through individual pages directly, which are not designed for this purpose, you may not see important information which is relevant to information on this website. You will be referred on certain site pages to read "Legal information". This Important Information will contain important details and relevant legal or regulatory information and should be read in conjunction with the relevant site pages.

Exclusion of Liability

These 'Exclusion of Liability' provisions should be read carefully as they exclude or limit our legal liability in connection with your use of this website. Nothing in these terms and conditions and in particular within the 'Exclusion of Liability' clauses shall attempt to exclude liability that is not permissible under applicable law, including without limitation, for death or personal injury, or for fraudulent misrepresentation.

Nothing in these terms and conditions shall exclude or limit or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000, or any conduct of business rules which we are bound to comply with.

While we have taken all reasonable steps to ensure the accuracy and completeness of the content of the website, we exclude any warranties, undertakings or representations (either express or implied) to the full extent permitted under applicable law, that the website or (including without limitation) all or any part of the content or materials, accuracy, availability or completeness of the content of the website or any part of the content or materials are appropriate or available for use either in the United Kingdom or in other jurisdictions. If you use this website from other jurisdictions, you are responsible for compliance with applicable local laws.

We accept no liability (including without limitation) in either contract, tort, negligence, statutory duty or otherwise (to the maximum extent permitted by applicable law) arising out of the use of or access to this website (which includes without limitation) any errors or omissions contained in this website or if the website is unavailable and we shall not be liable for any direct or indirect: economic losses (including without limitation loss of revenues, data, profits, contracts, use, opportunity, business or anticipated savings); loss of goodwill or reputation; special, incidental, consequential loss or damage, suffered or incurred arising out of or in connection with your use of this website and these terms and conditions. Access to and use of this website is at the user's own risk. we do not warrant that the use of this website or any material downloaded from it will not cause damage to any property, or otherwise minimise or eliminate the inherent risks of the internet including but not limited to loss of data, computer virus infection, spyware, malicious software, Trojans and worms. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this website by unauthorised third parties.

The above limitation or exclusion may not apply to you to the extent that applicable law may not allow the limitation or exclusion of liability for incidental or consequential damages.

Personal Data

We may use and share your information with other members of the Group to help us and them: assess financial and insurance risks; develop customer relationships, services and systems; prevent and detect crime, your information includes information about your transactions.

We do not disclose your information to anyone outside the Group except: where we have your permission; or where we are required or permitted to do so by law; or to other companies who provide a service to us or you where we may transfer rights and obligations under this agreement.

From time to time we may change the way we use your information. Where we believe you may not reasonably expect such a change we shall write to you. If you do not object to the change you consent to that change.

Changes to Website

The contents of this website, including these terms and conditions of use, are subject to change by us without notification and the Sanlam Group shall not be obliged to remove any outdated information from the website or to expressly mark it as being outdated.

Other Important Information

The information, and any opinion contained in this website does not constitute a public offer under any applicable legislation or an offer to sell or solicitation or an offer to buy any securities or financial instruments or any advice or recommendation with respect to such securities or other financial instruments.

Information in this website relating to the price at which investments have been bought or sold in the past or the yield on investments cannot be relied upon as a guide to future performance.

The financial information published or to be published on this website, or made available or to be made available through this website, such as annual reports and quarterly reports, is compiled and placed on this website with the greatest of care.

Nevertheless, only the original hard-copy English versions of this information shall be regarded as the original version. No rights may be derived from financial information published or to be published on this website, or available or to be made available through this website, including with regard to its accuracy and completeness.

In addition, it should be noted that the annual report and accounts which are published on this website or made available through this website, may be subject to adoption by the Annual General Meeting of Shareholders for the year to which the report and accounts relate.

General Information


In the event any provision of these terms and conditions of use and access of this website is held unenforceable; it will not affect the validity and enforceability of the remaining provisions and will be replaced by an enforceable provision that comes the closest to the intention underlying the unenforceable provision.

Governing Law

The terms and conditions of use of this website are governed by the laws of England & Wales and any dispute regarding this website shall be subject to the exclusive jurisdiction of the Courts of England & Wales.

Sanlam Life Insurance is a licensed financial service provider.
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