Terms and Conditions of Use
Please read the following terms and conditions carefully before using this website. By using this website, you agree to these terms and conditions. If you do not agree to these terms and conditions, please do not use this website. These terms and conditions set out the terms and conditions on which you may use this website and apply to every page of this website, whether or not these terms and conditions appear on each individual page.
This website is owned and operated by Vanguard Group (Ireland) Limited. Vanguard Group (Ireland) Limited reserves the right, at its discretion, to change, modify, add to, or remove portions of these terms and conditions at any time and to restrict access to any areas of this website at any time, without notice or liability. Vanguard Group (Ireland) Limited suggests that you check these terms and conditions periodically for changes. If you use this website after changes are posted to this section, you accept the changed terms and conditions.
These terms and conditions are specific to this website and do not relate to any site of The Vanguard Group, Inc. ("VGI") or the site of any other member of The Vanguard Group of Companies (as defined under 'About Vanguard Group (Ireland) Limited' below), although VGI and other members of The Vanguard Group of Companies do have certain rights under these terms and conditions, as provided for in these terms and conditions. These terms and conditions are intended to be enforceable by Vanguard Group (Ireland) Limited and VGI and also by other members of The Vanguard Group of Companies, as well as by you.
This website will not be considered a solicitation for or offering of any investment product or service to any person in any jurisdiction where such solicitation or offering would be illegal. The distribution of the information contained in this website in certain countries may be restricted by law and, accordingly, persons who access it are required to inform themselves about and to comply with any such restrictions. When using this website, you must comply with all applicable local, national and international laws and regulations, including those related to data privacy, international communications and exportation of technical or personal data. It may be illegal to download the information contained on this website in certain countries and Vanguard Group (Ireland) Limited and each other member of The Vanguard Group of Companies disclaims all responsibility if you download any information from this website in breach of any law or regulation of the country in which you reside.
About Vanguard Group (Ireland) Limited
Vanguard Group (Ireland) Limited is registered in Ireland with registration number 266761 and has its registered office at 70 Sir John Rogerson’s Quay, Dublin 2 Ireland. Vanguard Group (Ireland) Limited is authorised and regulated in Ireland by the Central Bank of Ireland and is authorised to passport its investment services and activities into other EU countries. Vanguard Group (Ireland) Limited's VAT number is IE 8266761 H. Vanguard Group (Ireland) Limited is a member of a group of companies of which VGI, incorporated in Pennsylvania, USA, is the ultimate holding company ("The Vanguard Group of Companies").
Products and services described in this website may not be suitable for all users. The material contained in this document is not to be regarded as an offer to buy or sell or the solicitation of any offer to buy or sell securities in any jurisdiction where such an offer or solicitation is against the law, or to anyone to whom it is unlawful to make such an offer or solicitation, or if the person making the offer or solicitation is not qualified to do so.
The value of investments, and the income from them, may fall or rise and investors may get back less than they invested. The value of any investment may fall or rise as a result of change in exchange rates. Some funds may invest in emerging markets which can be more volatile than more established markets. As a result the value of any investment may rise or fall. Corporate bonds may provide higher yields but as such may carry greater credit risk increasing the risk of default on repayment and erosion of the capital value of your investment and the level of income may fluctuate. Fixed interest securities also carry the risk of default on repayment and erosion of the capital value of your investment and the level of income may fluctuate. Movements in interest rates are likely to affect the capital value of fixed interest securities. Investments in smaller companies may be more volatile than investments in well-established blue chip companies. Some funds may invest in derivatives. The risks associated with the use of derivatives are different from, or possibly greater than, the risks associated with investing directly in securities and other traditional investments. There is no assurance that any derivative strategy used by any fund will succeed and a fund may suffer a substantial loss as a result. Past performance is not a reliable indicator of future results.
Vanguard Investments UK, Limited is the Authorised Corporate Director of Vanguard Investment Funds ICVC and Vanguard LifeStrategy Funds ICVC, and the Manager of Vanguard FTSE UK All Share Index Unit Trust. The Manager of Vanguard Investment Series plc, Vanguard Funds plc and Vanguard Common Contractual Fund is Vanguard Group (Ireland) Limited.
Vanguard Investment Series plc, Vanguard Funds plc and Vanguard Common Contractual Fund have been authorised by the Central Bank of Ireland as UCITS umbrella funds with segregated liability between sub-funds, and have been registered for public distribution in certain EU countries. Prospective investors requiring further information are referred to the relevant prospectus for the fund and sub-funds. Prospective investors are also urged to consult their own professional advisors on the implications of making an investment in, and holding or disposing shares of the funds and the receipt of distributions with respect to such shares under the law of the countries in which they are liable to taxation.
Vanguard Group (Ireland) Limited only gives information on products and does not give investment advice based on individual circumstances. If you have any questions related to your investment decision or the suitability or appropriateness for you of the product[s] described on this website, please contact your financial adviser.
Material on this Website
This website provides general information about Vanguard Group (Ireland) Limited and its business, including information about the services it offers. The materials on this website are for information purposes only. Nothing on this website constitutes legal, tax, or investment advice. You must not, therefore, rely on the content of this website when making any investment decisions. You alone will bear the sole responsibility of evaluating the merits and risks associated with the use of any materials on this website before making any decisions based on such materials. In exchange for using such materials, you agree not to hold Vanguard Group (Ireland) Limited or any member of The Vanguard Group of Companies liable for any possible claim for damages arising from any decision you make based on the materials made available to you through this website.
Limited Licenses and Restrictions on Use of Materials
Vanguard Group (Ireland) Limited grants you a limited, revocable, nonexclusive, nontransferable license to view, store, bookmark, download, and print the pages within this website solely for your personal, informational, and noncommercial use or as expressly authorized by Vanguard Group (Ireland) Limited in writing. You are responsible for obtaining and maintaining all equipment, services, and other materials that you need to access this website. Vanguard Group (Ireland) Limited reserves all rights not expressly granted in these terms and conditions. Except as otherwise stated in these terms and conditions or as expressly authorized by Vanguard Group (Ireland) Limited in writing, you may not (or enable others to):
- Modify, copy, screen capture, distribute, forward, transmit, post, display, perform, reproduce, publish, broadcast, license, create derivative works from, transfer, sell or exploit any reports, data, information, content, software, products, services or other materials on, generated by or obtained from this Site, whether through links or otherwise (collectively, "Materials");
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- Probe, scan, or test the vulnerability of any Materials, services, systems, networks, servers, or accounts related to this Site or attempt to gain unauthorised access to Materials, services, systems, networks, servers, or accounts connected or associated with this Site through hacking, password or data mining, or any other means of circumventing any access-limiting, user authentication or security device of any Materials, services, systems, networks, servers, or accounts related to this Site;
- Modify, copy, obscure, remove, or display name, logo, trademarks, text, notices, or images of any of The Vanguard Group of Companies without their express written permission. To obtain such permission, you may e-mail us at: email@example.com; or
- Include the term "Vanguard," any VGI trademark, the name of any executive of The Vanguard Group of Companies, or any variation of the foregoing, as a meta-tag, hidden textual element, or any other indicator that creates an impression of affiliation, sponsorship, or endorsement by Vanguard Group (Ireland) Limited and/or The Vanguard Group of Companies.
You may not link to this website unless you comply with these linking conditions ("Linking Conditions"). Vanguard Group (Ireland) Limited grants you a limited, revocable, nonexclusive right to create a hyperlink to this website ("Link"), provided you comply at all times with the following conditions:
- The Link must resolve only to Vanguard Group (Ireland) Limited's homepage of this website. Linking to other content within this website is prohibited without Vanguard Group (Ireland) Limited's express written permission.
- The text of the link must read either "Vanguard Group (Ireland) Limited" or "www.vanguard.co.uk". You may not use any VGI logo or graphic, or any other VGI trademark, as part of the link without Vanguard Group (Ireland) Limited's express written permission.
- The link and surrounding context on the linking site must not: (a) falsely represent or misrepresent any relationship between the linking site and The Vanguard Group of Companies, including suggestions of affiliation, endorsement or sponsorship; (b) portray The Vanguard Group of Companies, or their products or services, in a false, misleading, derogatory or otherwise offensive manner; or (c) alter the layout, content, look or feel of this website. You may not maintain numerous or pervasive links to this website.
User Content and License Grant
You agree that you are solely responsible for all information, data, content, text, photographs, graphics, images, videos, messages, comments, quotations, files, documents, and any other materials that you submit, upload, post, e-mail, transmit, or otherwise make available via this website ("User Content"). By submitting, uploading, posting, e-mailing, or transmitting User Content to this website, you represent and warrant that either you own all right, title, and interest in and to the User Content or have express permission from the owner to copy and use such User Content for all purposes related to this website. Vanguard Group (Ireland) Limited, VGI and other members of The Vanguard Group of Companies do not control and are not responsible for the User Content uploaded via this website, and Vanguard Group (Ireland) Limited, VGI and other members of The Vanguard Group of Companies neither guarantee the accuracy, quality, or appropriateness of nor endorse any User Content submitted to this website.
You grant Vanguard Group (Ireland) Limited, VGI and other members of The Vanguard Group of Companies and each of their affiliates, subsidiaries, directors, officers, employees, agents, licensors, and vendors a perpetual, worldwide, irrevocable, nonexclusive, fully-paid up, royalty-free, sublicensable, and transferable right and license to use, store, modify, adapt, translate, publish, display, broadcast, perform, disclose, distribute, sell, reproduce, and create derivative works from any User Content, in whole or in part, in any medium or technology throughout the world, including any inventions, concepts, techniques, know-how, ideas, or expressions of ideas arising out of or based on the User Content, for any purpose in the sole discretion of Vanguard Group (Ireland) Limited, VGI and other members of The Vanguard Group of Companies, without the requirement of any permission from or compensation or notice, and without liability, to you or any third party. Vanguard Group (Ireland) Limited, VGI and other members of The Vanguard Group of Companies shall exclusively own all right, title, and interest in and to any derivative works or inventions created by or on behalf of Vanguard Group (Ireland) Limited, VGI and other members of The Vanguard Group of Companies that incorporate or otherwise make use of any User Content, without the requirement of any permission from or compensation or notice, and without liability, to you or any third party.
None of the User Content that you submit, upload, post, e-mail, or transmit or otherwise make available via this website shall be subject to any confidentiality obligations by Vanguard Group (Ireland) Limited, VGI and other members of The Vanguard Group of Companies and each of their affiliates, subsidiaries, directors, officers, employees, agents, licensors, and vendors. Except as may be provided by applicable laws, Vanguard Group (Ireland) Limited, VGI and other members of The Vanguard Group of Companies shall not be liable in any way for any User Content or for the use or disclosure of any User Content. You acknowledge that Vanguard Group (Ireland) Limited, VGI and other members of The Vanguard Group of Companies and/or their vendors may or may not (but are not obligated to) monitor User Content, but that Vanguard Group (Ireland) Limited, VGI and other members of The Vanguard Group of Companies shall have the right in their sole discretion to monitor, post, move, refuse, or remove any User Content, in whole or in part, for any reason whatsoever, without notice and without liability.
Vanguard Group (Ireland) Limited is in no way responsible for the content of any site owned by a third party that may be linked to this website via hyperlink, whether such hyperlink is provided by Vanguard Group (Ireland) Limited or by a third party. Where this website contains links to other sites and resources provided by third parties, these links are provided for your information only. Vanguard Group (Ireland) Limited has no control over, and does not prepare, edit, or endorse, the contents of those sites or resources and neither Vanguard Group (Ireland) Limited nor any other member of The Vanguard Group of Companies makes any representation as to the accuracy, timeliness, suitability for use, or completeness of any of such sites or resources and has not and will not review or update them. You will use any such third party content at your own risk.
- THERE ARE NO IMPLIED OR EXPRESS WARRANTIES ON THE MATERIALS IN THIS WEBSITE; THEY ARE PROVIDED "AS IS."
- VANGUARD GROUP (IRELAND) LIMITED DISCLAIMS, TO THE FULLEST EXTENT PERMITTED BY LAW, ALL IMPLIED OR EXPRESS WARRANTIES, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
- VANGUARD GROUP (IRELAND) LIMITED DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS.
Copyrights, Trademarks and Patents
All materials on this website, whether separate or compiled, including, but not limited to, text, graphics, audio clips, logos, buttons, images, digital downloads, data compilations, software, icons, html code and xml code, as well as all copyright, patent, trademark, trade dress and other rights therein, are owned or licensed by VGI and its third party information providers (and are used by Vanguard Investments Switzerland GmbH under license).
Pursuant to Section 512(c)(2) of the Copyright Revision Act, as enacted through the Digital Millennium Copyright Act, Vanguard designates an agent as described below to receive notifications of claimed copyright infringement by mail: Pamela Crocker Senior Counsel, The Vanguard Group, Inc., P.O. Box 2600, V-26, Valley Forge, PA 19482-2600.
All VGI graphics, logos, page headers and service names are trademarks, service marks or trade dress of VGI. VGI's trademarks, service marks and trade dress may not be used in connection with any product or service that is not The Vanguard Group of Companies', in any manner that is likely to cause confusion among customers or investors, or in any manner that disparages or discredits any member of The Vanguard Group of Companies. Nothing contained on this website should be construed as granting any license or right in or to any trademarks, service marks or trade dress of VGI.
CGS identifiers have been provided by CUSIP Global Services, managed on behalf of the American Bankers Association by Standard & Poor’s Financial Services, LLC, and are not for use or dissemination in a manner that would serve as a substitute for any CUSIP service. The CUSIP Database, © 2018 American Bankers Association. “CUSIP” is a registered trademark of the American Bankers Association.
Copyright © 2017, Citigroup Index LLC. All rights reserved. "Citigroup", "Citi" and other service marks and trademarks related to Citigroup Index LLC are trademarks and service marks of Citigroup Inc. or its affiliates, are used and registered throughout the world, and are used under license for certain purposes by Vanguard. The investment fund offered herein is not sponsored, endorsed, sold or promoted by Citigroup Index LLC ("Citigroup Index"), and Citigroup Index makes no representation regarding the advisability of investing in such fund. Reproduction of the Citigroup Index data and information in any form is prohibited except with the prior written permission of Citigroup Index. Although such data and information is believed to be reliable, Citigroup Index does not guarantee the accuracy, adequacy, completeness or availability of any data and information and is not responsible for any errors or omissions or for the results obtained from the use of such data and information. CITIGROUP INDEX GIVES NO EXPRESS OR IMPLIED WARRANTIES, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE. In no event shall Citigroup Index be liable for any direct, indirect, special or consequential damages in connection with any use of the Citigroup Index data and information.
All trademarks, service marks and logos appearing on this website are the exclusive property of their respective owners.
Apple, the Apple logo, iPad, iPhone, and iPod touch are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
The Vanguard ETFs are not sponsored, endorsed, sold or promoted by Barclays. Barclays does not make any representation regarding the advisability of Vanguard ETFs or the advisability of investing in securities generally. Barclays' only relationship with Vanguard is the licensing of the Index which is determined, composed and calculated by Barclays without regard to Vanguard or the Vanguard ETFs. Barclays has no obligation to take the needs of Vanguard or the owners of the Vanguard ETFs into consideration in determining, composing or calculating the Index. Barclays has no obligation or liability in connection with administration, marketing or trading of the Vanguard ETFs.
CFA® and Chartered Financial Analyst® are trademarks owned by CFA Institute.
Vanguard funds are not sponsored, endorsed, sold, or promoted by the University of Chicago or its Center for Research in Security Prices, and neither the University of Chicago nor its Center for Research in Security Prices makes any representation regarding the advisability of investing in the funds.
The Dow Jones indexes (the "Indexes") are products of Dow Jones Indexes, licensed trademarks of CME Group Index Services LLC ("CME"), and have been licensed for use. "Dow Jones®" and "Dow Jones Indexes" are service marks of Dow Jones Trademark Holdings, LLC ("Dow Jones"), have been licensed to CME, and have been sublicensed for use for certain purposes by The Vanguard Group, Inc. The Vanguard Group Inc.'s funds and/or ETFs based on the Indexes are not sponsored, endorsed, sold or promoted by Dow Jones, CME or their respective affiliates and Dow Jones, CME and their respective affiliates make no representation regarding the advisability of investing in such product(s).
Financial Engines, Financial Engines Investment Advisor, Advice Server, and AdviceLight are trademarks of Financial Engines, Inc. Financial Engines Advisors LLC, a federally registered investment adviser and wholly owned subsidiary of Financial Engines, Inc., provides all advisory services.
London Stock Exchange Group companies include FTSE International Limited ("FTSE"), Frank Russell Company ("Russell"), MTS Next Limited ("MTS"), and FTSE TMX Global Debt Capital Markets Inc. ("FTSE TMX"). All rights reserved. "FTSE®", "Russell®", "MTS®", "FTSE TMX®" and "FTSE Russell" and other service marks and trademarks related to the FTSE or Russell indexes are trademarks of the London Stock Exchange Group companies and are used by FTSE, MTS, FTSE TMX and Russell under licence. All information is provided for information purposes only. No responsibility or liability can be accepted by the London Stock Exchange Group companies nor its licensors for any errors or for any loss from use of this publication. Neither the London Stock Exchange Group companies nor any of their licensors make any claim, prediction, warranty or representation whatsoever, expressly or impliedly, either as to the results to be obtained from the use of the FTSE Indices or the fitness or suitability of the Indices for any particular purpose to which they might be put.
Android is a trademark of Google Inc.
Vanguard Annuity Access is offered in collaboration with Hueler Investment Services, Inc. through the Income Solutions platform. Income Solutions is a registered trademark of Hueler Investment Services, Inc. and used under license. United States Patent No. 7,653,560.
TurboTax and TurboTax Online are trademarks and service marks of Intuit Inc., registered in the United States and other countries.
Morningstar data © Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) does not constitute investment advice offered by Morningstar; and (4) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results.
The funds or securities referred to herein are not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to any such funds or securities. The prospectus or the Statement of Additional Information contains a more detailed description of the limited relationship MSCI has with Vanguard and any related funds.
Dividend Achievers is a trademark of The NASDAQ OMX Group, Inc. (collectively, with its affiliates, "NASDAQ OMX") and has been licensed for use by The Vanguard Group, Inc. Vanguard mutual funds are not sponsored, endorsed, sold, or promoted by NASDAQ OMX, and NASDAQ OMX MAKES NO WARRANTIES AND BEARS NO LIABILITY WITH RESPECT TO THE VANGUARD MUTUAL FUNDS.
Reader's Digest and the Pegasus logo are registered trademarks of The Reader's Digest Association, Inc. Used under license.
The Russell Indexes and Russell® are registered trademarks of Russell Investments and have been licensed for use by The Vanguard Group, Inc. The products are not sponsored, endorsed, sold or promoted by Russell Investments and Russell Investments makes no representation regarding the advisability of investing in the products.
S&P® and S&P 500® are registered trademarks of Standard & Poor's Financial Services LLC ("S&P") and have been licensed for use by S&P Dow Jones Indices LLC and its affiliates and sublicensed for certain purposes by Vanguard. The S&P Index is a product of S&P Dow Jones Indices LLC and has been licensed for use by Vanguard. The Vanguard Fund(s) is not sponsored, endorsed, sold or promoted by S&P Dow Jones Indices LLC, Dow Jones, S&P or their respective affiliates, and none of S&P Dow Jones Indices LLC, Dow Jones, S&P nor their respective affiliates makes any representation regarding the advisability of investing in such product(s).
SEDOL Data has been provided from the London Stock Exchange's SEDOL Masterfile® SEDOL and SEDOL Masterfile® are registered trademarks of the London Stock Exchange Group PLC.
Upromise, the Upromise logo and Ugift are registered service marks of Upromise, Inc.
Visa and Plus are trademarks of Visa International Service Association.
"Wilshire 4500" and "Wilshire 5000" are trademarks and "Wilshire" is a service mark of Wilshire Associates Incorporated and they have been licensed for use by The Vanguard Group, Inc. ("Vanguard"). The Vanguard funds and/or ETFs (the "Products") are not sponsored, endorsed, sold or promoted by Wilshire Associates Incorporated or any of its subsidiaries or affiliates, and they make no representation regarding the advisability of investing in the Products.
Automated Form and Signature Capture Technology Licensed under Comfidex U.S. Patents 6,189,009 and 6,725,220.
Vanguard owns issued patents for its Vanguard Exchange-Traded Funds ("Vanguard ETFs") under U.S. Patent Nos. 6,879,964; 7,337,138; 7,720,749; 7,925,573; and 8,090,646.
Vanguard owns issued patents for its Auto-Rebalancing methodology under U.S. Patent Nos. 7,149,713 and 7,552,079.
Vanguard owns issued patents for its Bond ETF Dividend Declaration model under U.S. Patent Nos. 7,792,725 and 8,175,944.
Vanguard owns issued patents for its Personal QDI Calculation Process under U.S. Patent No. 7,953,661.
Vanguard owns issued patents for its Managed Payout Funds under U.S. Patent Nos. 8,180,695; 8,185,464; and WIPO Application No. WO2009/036276.
Use of this Website and Limitation of Liability
Your use of this website
You must not use this website (or permit or procure others to use it) for any unlawful, improper or illegal purpose or activity; to communicate or receive information that is obscene, indecent, pornographic, sadistic, cruel, or racist in content, of a sexually explicit or graphic nature, which promotes or incites discrimination, hatred or racism or which might be legally actionable for any reason; in a manner intended to threaten, harass, or intimidate; to violate any copyright, trademark, proprietary or other intellectual property rights of any member of The Vanguard Group of Companies or of any third party; to damage the Vanguard name or reputation or that of any member of The Vanguard Group of Companies or of any third parties; to impersonate any employee of any member of The Vanguard Group of Companies or any other person or use a false name while using this website or implying an association with The Vanguard Group of Companies; to penetrate The Vanguard Group of Companies' security measures or other entities' systems; to transmit unsolicited voluminous emails (for example, spamming) or to intercept, interfere with or redirect email intended for others using this website; to generate excessive amounts of internet traffic, to interfere with the network of The Vanguard Group of Companies or of any member of The Vanguard Group of Companies or any other person's use of this website or to engage in activities designed to or having the effect of degrading or denying service to users of this website or others; to introduce viruses, worms, harmful code and/or Trojan horses onto the internet or into this website or any other entity's systems and it is your responsibility to ensure that whatever you download or select for your use from this website is free from such items; to post or transmit information that is defamatory, fraudulent or deceptive; and/or to transmit confidential or proprietary information, except solely at your own risk.
User identification code
You may be provided with a user identification code and password to access this website or certain parts of it. You must treat this information as confidential and you must not disclose it to any third party or allow any third party to access this website using your user identification code or password. You are responsible for any use of this website by any third party to whom you have disclosed your user identification code and/or password. You agree to notify Vanguard Group (Ireland) Limited immediately if you suspect any unauthorised use of this website or of your user identification code or password.
Liability for use of this website/ Indemnity
YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THIS WEBSITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. VANGUARD GROUP (IRELAND) LIMITED DOES NOT ACCEPT ANY LIABILITY IF FOR ANY REASON THIS WEBSITE IS UNAVAILABLE AT ANY TIME OR FOR ANY PERIOD.
Information and opinions contained on this website have been compiled or arrived at by Vanguard Group (Ireland) Limited from sources believed to be reliable. However, to the extent permitted by law, Vanguard Group (Ireland) Limited, each other member of The Vanguard Group of Companies and other third parties affiliated to Vanguard Group (Ireland) Limited hereby expressly exclude all conditions, warranties, representations and other terms which might otherwise be implied by statute, common law or the law of equity and any liability for any direct, indirect, incidental, special, punitive, exemplary or consequential loss or damage of any kind incurred by any user in connection with this website or in reliance on the information or opinions contained in it or by anyone who may be informed of any of the contents of this website at any time, or by any user or any such other person in connection with the use, inability to use, or results of the use of this website or any sites linked to it or materials posted on it. This does not affect Vanguard Group (Ireland) Limited's liability for any loss or damage which cannot be excluded or limited under applicable law and does not exclude or restrict any duty or liability that Vanguard Group (Ireland) Limited has to any person under the regulatory system in the United Kingdom.
NEITHER VANGUARD GROUP (IRELAND) LIMITED NOR ITS AFFILIATES, SUBSIDIARIES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, OR ANY THIRD-PARTY INFORMATION PROVIDERS AND VENDORS WILL BE LIABLE UNDER ANY CIRCUMSTANCES INCLUDING BUT NOT LIMITED TO NEGLIGENCE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, EXEMPLARY OR CONSEQUENTIAL DAMAGES THAT MAY RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE MATERIALS IN THIS WEBSITE, EVEN IF VANGUARD GROUP (IRELAND) LIMITED OR A VANGUARD GROUP (IRELAND) LIMITED-AUTHORISED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
The internet is not a completely reliable transmission medium and neither Vanguard Group (Ireland) Limited nor any other member of The Vanguard Group of Companies accepts any liability for any data transmission errors such as data loss or damage or alteration of any kind or for the security or confidentiality of information transmitted across the internet to or from Vanguard Group (Ireland) Limited or any other member of The Vanguard Group of Companies. Any such transmission of information is entirely at your own risk. This does not exclude or restrict any duty or liability that Vanguard Group (Ireland) Limited has to any person under the regulatory system in the United Kingdom.
You agree to indemnify, defend and hold harmless The Vanguard Group of Companies, its subsidiaries and affiliates, and each of its and their officers, directors, employees and agents, from and against all claims, demands, liabilities, damages, losses or expenses, including legal fees and costs, arising out of or related to your improper access to or use of this website, or any violation by you of these terms and conditions.
Timeliness of content
All content on this website is presented only as of the date published or indicated, and may be superseded by subsequent market events or for other reasons. No reliance should be placed on this information in making any decision. In addition, you are responsible for setting the cache settings on your browser to ensure you are receiving the most recent data.
The rights granted to you herein terminate immediately upon any violation by you of these terms and conditions. Vanguard Group (Ireland) Limited, in its sole discretion, reserves the right to temporarily or permanently terminate your access to and use of this website at any time and for any reason whatsoever, without notice or liability. Neither Vanguard Group (Ireland) Limited nor any member of The Vanguard Group of Companies will be liable to you or any third party for any termination of your access to or use of this website.
Your personal data
Vanguard Group (Ireland) Limited may collect and process the following personal data about you in accordance with these terms and conditions:
- Information that you provide by filling in any forms on this website, including information provided at the time of registering to use this website, subscribing to Vanguard Group (Ireland) Limited's service, posting material or requesting further services;
- If you contact Vanguard Group (Ireland) Limited, Vanguard Group (Ireland) Limited may keep a record of that correspondence and may record and monitor telephone calls for security and customer services purposes;
- Vanguard Group (Ireland) Limited may ask you to complete surveys for research purposes, although you do not have to respond to them; and
- Details of your visits to this website and the materials and information that you access; and for the following purposes:
- To ensure that content from this website is presented in the most effective manner for you and for your computer;
- To provide you with information, products or services that you request from Vanguard Group (Ireland) Limited or which Vanguard Group (Ireland) Limited feel may interest you, where you have consented to be contacted for such purposes.
- To allow you to participate in any interactive features of Vanguard Group (Ireland) Limited's service, when you choose to do so; and
- To notify you about changes to Vanguard Group (Ireland) Limited's service.
Vanguard Group (Ireland) Limited may disclose your personal data to other members of The Vanguard Group of Companies, including, without limitation, those outside the European Economic Area for the purposes stated above. Vanguard Group (Ireland) Limited may also disclose your personal data to agents and service providers (within and outside the European Economic Area) of The Vanguard Group of Companies for the purposes stated above (who may also collect and process your personal data), to third parties located outside the European Economic Area for purposes similar to those stated above or if Vanguard Group (Ireland) Limited or any other member of The Vanguard Group of Companies are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply these terms and conditions or other agreements, or to protect the rights of Vanguard Group (Ireland) Limited, their customers, or others. By using this website, you consent to processing of your personal data in accordance with these terms and conditions and you warrant that all data provided by you is accurate.
If you would like to receive a copy of any personal data that Vanguard Group (Ireland) Limited holds or a description of that personal data, please contact Vanguard Group (Ireland) Limited at firstname.lastname@example.org. This request will incur a fee of up to £10. You may also ask for any inaccurate information to be corrected or deleted.
What is a cookie?
A cookie is a small file of letters and numbers that is stored on your computer, tablet, mobile phone, or other device when you visit a website. Cookies contain information that is transferred to or read on your device and allow websites to recognize devices and store certain information, such as user preferences. Cookies are used to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse our website and also allows us to improve our site.
We use session cookies, which link your actions during a particular browser session and expire at the end of that session, as well as persistent cookies, which remain on your device and allow us to remember your actions or preferences across multiple browser sessions.
What cookies do we use and why?
The cookies used on our site are categorized as follows:
'Strictly Necessary' cookies let you enter and move around the website and use essential features. Without these cookies, services and information you have asked for cannot be provided. We use these Strictly Necessary cookies primarily to identify you as having confirmed your eligibility to enter and use our website, and to make sure you connect to the right service on our website when we make any changes to the way the website works. Accepting these cookies is a condition of using the website, so if you prevent these cookies, we cannot guarantee your use of our website or how the security on our website will perform during your visit.
'Performance' cookies collect information about how you use our website, such as which pages you visit and any errors you experience. These cookies are used to help us improve how our website works and understand what interests our users. We use Performance cookies for:
- analytics, to provide a variety of statistics on how our website is used;
- error management, to help us improve the website by measuring any errors that occur;
- design testing, to test different designs of our website to improve the users' experience; and
- website analytics, which enable us to collect, either directly or through third-party service providers, certain technical and navigational information, such as computer browser type, internet protocol (IP) address, pages visited, date and time of your visit, and average time spent on our website. This information may be used, for example, to alert you to software compatibility issues or to resolve technical or service problems. We also analyze this information, with the assistance of our service providers, to improve our web design and functionality, to enhance our ability to serve you and your accounts, and to tailor our communications to you regarding our products and services.
Some of our Performance cookies are managed for us by third parties. However, we do not allow the third party to use the cookies for any purpose other than those listed above.
'Functionality' cookies help to provide services or to remember settings to improve your visit. We use Functionality cookies primarily to identify whether and when you've visited our site previously. Some of these cookies are managed for us by third parties, but we don't allow the third party to use the cookies for any purpose other than those listed above.
For more information on advertising-related cookies and how to opt out of them, please visit the Internet Advertising Bureau guide to online behavioural advertising at www.youronlinechoices.eu.
How to withdraw your consent or delete or block our cookies
The Help feature on most web browsers will tell you how to prevent your browser from accepting new cookies, how to receive notice when a new cookie is set, and how to disable cookies altogether.
If you change the settings on your web browser, you will be presented with the consent option again the next time you visit our website.
For further information about deleting or blocking cookies, please visit: http://www.aboutcookies.org/Default.aspx?page=2.
Law and Severability
These terms and conditions are governed by and shall be construed in accordance with the laws of England and Wales. The English courts will have non-exclusive jurisdiction over any dispute arising from, or related to, use of this website and it is a condition of using this website that you waive any objection to proceedings in such courts on the grounds of venue or that proceedings have been brought in an inconvenient forum, although each of Vanguard Group (Ireland) Limited and each other member of The Vanguard Group of Companies retains the right to bring proceedings against you for breach of these terms and conditions in your country of residence or any other relevant country.
If any provision of these terms and conditions is deemed unlawful, void, or for any reason unenforceable, then that provision will be deemed severable from these terms and conditions and will not affect the validity and enforceability of the remaining provisions of these terms and conditions. These terms and conditions represent the entire agreement between you and each member of The Vanguard Group of Companies relating to the subject matter herein.
Issued by Vanguard Group (Ireland) Limited which is authorised and regulated in Ireland by the Central Bank of Ireland.
© 2020 Vanguard Group (Ireland) Limited.