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Terms and Conditions

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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.

Product availability

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.

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.

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. 


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.

All material on this website is Copyright © Old Mutual Wealth and Old Mutual International. Information accessed on this website is protected under Copyright Law. You may not copy, re-publish or re-distribute the information contained on the website for commercial purposes or gain other than whilst operating as a financial adviser acting within his or her normal business activities, except with the express agreement of Old Mutual Wealth and Old Mutual International.

In the event of any party wishing to publish or distribute written marketing or other promotional material based upon the content of this website, he/she may only do so having first obtained the prior written consent of Old Mutual Wealth and Old Mutual International.

This website contains names and logos which are trademarks of Old Mutual Wealth and Old Mutual International. Any use of any of these names and logos would constitute an infringement of those trademarks and is therefore forbidden.

This website uses files called ‘cookies’ which automatically collect information from your computer to help us give you the full experience of this website. By using this website, you consent to the use of cookies – details of which can be found in our Privacy Policy

Registered users are given the ability to leave online comments relating to our content. The registered user’s name and photo (if added to the Personal Details section of the site) will automatically be added to the comment.

When commenting, please be respectful to other users and refrain from using any language which may be seen as offensive, intended for commercial use or unlawful.

Comments are monitored and we retain the right to remove any comments that are deemed inappropriate in any way.

We retain the right to remove the ability for all users to leave comments on our site at any time.



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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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