IMPORTANT INFORMATION FOR INVESTORS AND WEBSITE USERS

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Use of this Website

Products and Services

Tax  

Copyright 

Contents 

Links to other websites  

Privacy and Information Sharing  

Disclaimer 

Information For Foreign Investors  

Governing Law

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Where the information on this website is accessed by users and investors in Ireland, it is issued by Mercer Human Resource Consulting Limited, an Irish incorporated entity which is authorised and regulated by the Irish Financial Services Regulatory Authority (“IFSRA”).  Where the information on this website is accessed by users and investors in the United Kingdom, it is issued by Mercer Human Resource Consulting Limited, an entity incorporated under the laws of England and Wales which is authorised and regulated  by the UK Financial Services Authority (“FSA”).  In the United Kingdom, Mercer Investment Management is a division of Mercer Human Resource Consulting Limited (“Mercer”), and  is part of the wider Mercer Investment Management Group globally.

Please note: the following Important Information applies to all UK investors and other users of this website, unless otherwise specified.

Use of this Website:

Please read with care the terms and conditions of this Important Information section. By accessing this Mercer Investment Management Site (the term “Site” refers to this Site as well as to the content on it)  or any other Mercer Investment Management website and the pages thereof, you are indicating that you have read, acknowledged and agree to be bound by the terms and conditions of this Important Information section. 

The information herein is current at the date of publication but is subject to change without notice. You should review the Important Information section regularly as your continued use constitutes agreement to all such changes.

This website may not be reproduced, redistributed, passed on or published, in whole or in part, for any purpose, without the prior written consent of Mercer Investment Management. 

Products and Services:

The information contained herein is current at the date of publication, but is subject to change without notice. Where Mercer Investment Management has expressed its own views and opinions on this website, and these may change, and should not in any event be relied on as recommendations or advice.

This website is not directed at you if we are prohibited by any law of any jurisdiction from making the information on this site available to you and is not intended for any use that would be contrary to local law or regulation. Neither the information contained on this website nor any other statement made at any time in connection herewith is intended to constitute any offer to sell or an invitation or solicitation of an offer to buy any product or service by Mercer and must not be relied upon in connection with any investment decision. Products or services mentioned on this site are subject to legal and regulatory requirements in applicable jurisdictions and may not be available in all jurisdictions. Accordingly persons are required to inform themselves of and observe any such restrictions. Nothing in this website should be construed as investment, tax, legal or other advice.

All Mercer Investment Management Funds established in Ireland and referred to in these pages (“Funds”) are authorised and regulated by IFSRA.   Authorisation by IFSRA does not constitute a warranty by IFSRA as to the performance of the Funds and IFSRA shall not be liable for the performance or default of the Funds.  Authorisation by IFSRA is not an endorsement or guarantee of the Funds by IFSRA nor is IFSRA responsible for the contents of the prospectus(es) of the Funds or of this website.

No warranty is given, in whole or in part, regarding the performance of any of the Funds and there is no guarantee that the investment objectives of any of the Funds will be achieved. This website does not constitute an offer to sell or any solicitation of any offer to purchase shares in the Funds. Application for investment in the Funds from prospective investors will only be accepted on the basis of the current prospectus of the relevant Fund, together with the latest audited annual report (and subsequent semi annual report, if published).

Investors and potential investors should be aware that past performance is not a guide to future returns. The price of units and the income from them may fluctuate upwards or downwards and cannot be guaranteed.

The information and opinions contained in this website have been obtained from sources Mercer Investment Management considers to be reliable. No responsibility can be accepted for errors of fact or opinion. Reliance should not be placed on the views and information in this website when taking individual investment and/or strategic decisions.

The offering of shares in certain jurisdictions may be restricted and accordingly persons are required by Mercer and Mercer Investment Management to inform themselves of and observe any such restrictions.

If you are located in the UK, you should note that the Funds are collective investment schemes within the meaning of Section 235 of the UK Financial Services and Markets Act 2000 (“FSMA”). The Funds are not authorised unit trust schemes, open ended investment companies (OEIC’s) or recognised schemes within the meaning of the FSMA and therefore constitute unregulated collective investment schemes. As unregulated collective investment schemes, the distribution and promotion of units is restricted, for the purposes of Sections 21 and 238 of the FSMA, to persons who are themselves authorised under the FSMA or who otherwise fall within the categories or exceptions made under Sections 21 and 238. Accordingly, this material is directed at market counterparties and authorised persons; intermediate customers; existing investors; and clients and newly accepted clients of Mercer or Mercer Investment Management where reasonable steps have been taken to ensure that investment in the Funds is suitable. This material should not be relied upon by persons of any other description.  All or most of the protections provided by the UK regulatory system do not apply to investment in an Irish based fund and compensation under the UK Financial Services Compensation Scheme will not be available. 

Tax:

The investment products and services described in the website may have tax consequences. Any tax reliefs referred to are those currently available and their value depends on the circumstances of the individual investor. You acknowledge that levels and bases of taxation may change, and that Mercer does not provides tax advice. You should consult your own tax advisor in order to understand the tax consequences of the products and services described in the website.

Copyright:

The copyright and all other rights in all of the material on this website are owned by the company listed on the web page or the material is included with the permission of the rights owner. The information contained in this website is intended solely for the use of the person who has accessed this information and may not be reproduced, distributed or published to any other person. You may copy material on this website for your own private or domestic use only. All other copying is prohibited. 

Contents:

Whilst Mercer seeks to ensure that the information on this website is accurate and complete at the date of publication, Mercer does not warrant the adequacy, accuracy or completeness of this information and does not accept any liability arising from any inaccuracy or omission in or the use of or reliance on the information on this website.

Nothing in the Important Information shall restrict or exclude any liability that Mercer has to any party that cannot be excluded by law. You are advised to verify the accuracy of any information before relying on it. Mercer will not assume any liability for any loss or damage kind arising, whether direct or indirect, caused by the use of the information provided.   This does not exclude or restrict any duty or liability that Mercer may have to its customers in the UK under the FSMA or to any customers under any other regulatory system under the laws of applicable jurisdictions.

Links to other websites:

On this website you may be offered automatic links to other non-Mercer websites which we hope you will be interested in. These links are provided only as convenience. Mercer does not accept any responsibility for the content of those websites or your use or inability to use such websites, the owners of which do not necessarily have any link, commercial or otherwise, with Mercer. The inclusion of any link does not imply affiliation, sponsorship, endorsement, verification or monitoring or approval by Mercer of any information contained in any non-Mercer website. You should also be aware that the terms and conditions of such website and the website’s statement relating to the collection and use of your personal information may be different from those applicable to your use of this website. 

Privacy and Information Sharing:

In order to provide efficient and reliable services we may need to share your personal information with service providers. These service providers will be subject to contractual requirements to maintain the confidentiality of any personal information that they may obtain in the performance of their services. If we transfer your information to a service provider or agent in another country, we will ensure that the service provider or agent agrees to apply, in our view, the same or similar levels of protection as we are required to apply to information held in the European Economic Area and use your information only for the purpose of providing the service to you. Otherwise, we will only use your personal information in accordance with our Privacy Statement and/or in the manner disclosed to you at the time we collect the personal information from you.

Disclaimer:

To the greatest extent permitted by applicable law, this website is provided for your use "AS IS" without any warranties (whether express or implied) of any kind including, but not limited to, any warranty as to the completeness or accuracy of any information on this website, of non-infringement of third party rights or freedom from computer virus. As a result, Mercer does not accept any ongoing obligation or responsibility in respect of any errors, omissions, interruptions or delays in service which may occur. Neither the Internet nor email is a secure medium of communication unless the data being sent is encrypted. Mercer cannot accept any responsibility for unauthorised access by a third party to, or the corruption of, data sent to or by it. 

Information For Foreign Investors:

The Site is intended to be made available only to qualified persons and institutions resident in the United Kindgom and Ireland, and the information on the Site is only for such persons. Nothing on the Site shall be considered a solicitation to buy or an offer to sell a security, or any other product or service, to any person in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful under the laws of such jurisdiction.

Governing Law:

This Important Information section and your use of this web site shall be construed under and governed by the laws of England and Wales and the courts of England and Wales will have exclusive jurisdiction in respect of any dispute that may arise, except where such content is expressed to be governed by the laws of another jurisdiction.  If for any reason a court of competent jurisdiction finds any provision of the Important Information section unenforceable, that provision shall be enforced to the maximum extent permissible, and the remainder of the Important Information shall continue in full force and effect. The Important Information section constitutes the entire agreement between Mercer and you with regard to this website and it supersedes all prior or contemporaneous communications, agreements and understandings between Mercer and you with respect to the subject matter hereof.