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What are the website’s terms and conditions?

This page provides information about who we are and the legal terms and conditions that may apply to your use of Informer.

Please read these Terms and Conditions carefully. By accessing any page of this website, you agree to be bound by the Terms and Conditions below. If you do not agree to these terms, please do not access any pages of this website. 

Content of site 
The information on this website is for information purposes only. Whilst considerable care has been taken to ensure the information contained within this website is accurate and up to date, no warranty is given as to the accuracy or completeness of any information and no liability is accepted for any errors or omissions in such information. All products referred to on this website are subject to change without notice.

Your use of the websites and the information contained in them is at your own risk and you assume full responsibility and risk of loss resulting from the use of the information.

Old Mutual Wealth and Old Mutual International accept no responsibility for any information contained in any website accessed via a hypertext link from this website. The content, accuracy and opinions expressed in such websites are not checked, analysed, monitored or endorsed by us.

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The information contained on this website does not constitute a distribution, an offer to sell or the solicitation of an offer to buy. Some products detailed on this website are only available to persons in certain named countries.  

None of the products, funds or services referred to on this website will be distributed to persons resident in any territory where such distribution would be contrary to local law or regulation. The information contained on the website does not constitute investment advice.

Products, funds or services referred to on the website are not available in the United States or its territories, nor are they available to US residents. Any investor who later becomes resident in the United States or its territories will be subject to restrictions placed on the investment, which include the suspension of premium payments and may include the ability to switch between funds.

Past performance is no guarantee of future returns. The value of the investments and the income from them can go down as well as up and the investor may not get back the amount invested. Where a transaction involves a foreign investment the investor may be exposed to the risk of currency fluctuations.

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Old Mutual Wealth and Old Mutual International do not offer investment advice on the merits or suitability of its products. Information contained within this website is not intended to constitute professional advice and should not be construed as such. Individual investors should seek advice from an independent financial adviser.

You are advised that our products are only available upon the recommendation of a financial adviser, and you must consult such an adviser in order to apply for any product.

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Except where stated otherwise, the contents of this website are based on our interpretation of taxation law and practice as at the date appearing at the foot of each product factsheet. 

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Old Mutual Wealth and Old Mutual International accept no legal liability for loss, damages or expenses which you may suffer or incur directly or indirectly by you accessing this website.

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Deeds of variation

How deeds of variation can be used to alter the position of a deceased person’s estate and how to register a deed of variation with HM Revenue & Customs (HMRC) in the UK.

What is a deed of variation and when would it be used?

deed of variation is a legal document which can be utilised where a person has received an asset via a Will (including a trust within the Will) or the intestacy rules, but the person would like to vary how they benefit or redirect who benefits from the asset...

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