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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 Reference Guide

HL Service Terms and Conditions

HL Service Terms and Conditions from 1 January 2024

HL Service Key Features

Retirement Services

Annuity Service Terms and Conditions

Drawdown Key Features

Active Savings

Active Savings Terms and Conditions

Pay by Bank

Pay by Bank Privacy Notice

Dealing Terms

Fund Dealing Terms and Conditions

Order Handling Policy

Portfolio Management Service

Portfolio Management Service Terms and Conditions

Portfolio Management Service SIPP Key Features

Portfolio Management Service ISA and Main Account Key Features

General Terms

Website terms of use

Conflicts Policy