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Terms and Conditions

Please read our terms carefully and ensure you are happy with the contents before you apply to open an account or invest.

If you require clarification on any of these documents please contact us for further information.

HL Service

HL Service Terms and Conditions (current)

HL Service Terms and Conditions (from 1 July 2020)

HL Service Key Features

HL Workplace Service Terms and Conditions (current)

HL Workplace Service Terms and Conditions (from 1 July 2020)

Online Service

Website terms of use

Retirement Services

Annuity Service Terms and Conditions

Drawdown Key Features

Active Savings

Active Savings Terms and Conditions

Dealing Terms

Fund Dealing Terms and Conditions

Certificated Dealing Terms and Conditions

Order Handling Policy

Portfolio Management Service

Portfolio Management Service Terms and Conditions (current)

Portfolio Management Service Terms and Conditions (from 1 July 2020)

Currency Service

Currency Service Terms and Conditions

General Terms

Conflicts Policy