Terms of Use

This Terms of Use Agreement is a binding contract between you and Franklin Templeton Investments. It governs your use of this website and all products, services, content, tools and information available through the website. By using or accessing this website, you accept and agree to be bound by these Terms of Use. If you do not agree with the terms and conditions of the Terms of Use Agreement, you are not granted permission to access or otherwise use this website.

These Terms were last amended as of: 21 October 2008

  • This Terms of Use Agreement (the "Terms of Use") states the terms and conditions under which you may use the website located at www.temit.co.uk, and all products, services, content, tools, and information available through the website (referred to collectively as the "Site" or the "Site Content"). Please read the Terms of Use carefully. By accessing, browsing and/or using this Site, you acknowledge that you have read, understood and agree to be legally bound by the Terms of Use.

    These Terms of Use are in addition to any other agreements between you and us, including any customer or account agreements, and any other agreements that govern your use of Franklin Templeton's or any third party's (companies not affiliated with us) products, services, content, tools, and information available on this Site.

    Your use of this Site is governed by the version of the Terms of Use in effect on the date this Site is accessed by you. We reserve the right to change the Site and the Terms of Use at any time, without notice. The date of any amendment will be shown in the Table of Contents. If you use the Site after the amended Terms of Use have been posted, you will be deemed to have agreed to the Terms of Use, as amended.

  • This Site is provided as a service, and for informational purposes only, by Franklin Templeton Investments corporate group of companies (collectively, "Franklin Templeton" or "Franklin Templeton Investments" or "we" or "us").

  • This site is intended for residents of the UK. If you do not reside in the UK, please visit international websites link for assistance with products and services legally available in your place of residence.

    Nothing on this 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 solicitation, offer, purchase or sale would be unlawful under the laws of that jurisdiction.

  • UK resident use only. Franklin Templeton Investment Management Limited is authorised and regulated in the United Kingdom by the Financial Conduct Authority. This Site is intended for residents of the UK only. If you choose to access this Site from locations outside of the UK, you do so at your own initiative and risk, and are responsible for compliance with all applicable laws.

    Personal use. This Site is intended only for your personal, non-commercial use, unless you and we have agreed otherwise in writing.

    No solicitations. Nothing on this Site shall be considered a solicitation to buy or an offer to sell, or a recommendation for, a security, or any other product or service, to any person in any jurisdiction where such solicitation, offer, recommendation, purchase or sale would be unlawful under the laws of that jurisdiction.

    No investment recommendations or professional advice; use of tools. This Site is not intended to provide any tax, legal, insurance or investment advice, and nothing on the Site should be construed as a recommendation, by us or any third party, to acquire or dispose of any investment or security, or to engage in any investment strategy or transaction. While certain tools available on the Site may provide general investment or financial analyses based upon your personalised input, such results are not to be construed as our providing investment recommendations or advice. Unless otherwise specified, you alone are solely responsible for determining whether any investment, security or strategy or any other product or service, is appropriate or suitable for you based on your investment objectives.

  • Prohibited Uses. Because all servers have limited capacity and are used by many people, you may not use the Site in any manner that could damage or overburden any Franklin Templeton server, or any network connected to any Franklin Templeton server. You may not use the Site in any manner that would interfere with any other party's use of the Site.

    Means of Access. The Site is generally intended to be viewed by a conventional web browser with a screen resolution of 640 by 480 pixels or greater, such as Netscape Navigator® 6.1 or Microsoft® Internet Explorer® 5.5. Although you may use other means to access the Site, be aware that the Site may not appear accurately through other access methods, and you use them only at your own risk. You are responsible for setting the cache settings on your browser to ensure that you are receiving the most recent data. You should not access the Site through devices or services that are designed to provide high-speed, automated, repeated access, unless such devices are approved by us.

    Password protected areas. Access to and use of password-protected and/or secure areas of the Site are restricted to authorized users only. You may not obtain or attempt to obtain unauthorized access to such parts of our Site, or to any other protected materials or information, through any means not intentionally made available by us for your specific use. Unauthorized individuals attempting to access, or actually accessing, these areas can be subject to criminal and/or civil prosecution.

  • Personal Information Transmission. Your use of the Site may involve the transmission of information, including personally identifiable data, about you. You consent to the transmission of such information by electronic means through the Internet and represent that such consent shall be effective each time you use the Site. All personal data and all and any further data collected in the course of your relationship with Franklin Templeton Investments may be collected, recorded, organised, stored, adapted or altered, retrieved, transferred, disseminated or otherwise processed and used ("processed") by the companies of Franklin Templeton Investments including Franklin Resources, Inc., One Franklin Parkway, San Mateo, California 94403-1906, U.S.A. and/or its subsidiaries and associates from time to time for the purposes of handling a contractual relationship between yourself and Franklin Templeton Investments, fulfilling an information request from you, and/or for direct marketing purposes. By accepting these Terms of Use, you agree that your data may be processed in accordance with the above and that your data may be transferred outside the European Economic Area. You may at any time request that the information about you be amended or deleted. You are also entitled to receive annually a copy of your personal data kept on record by us free of charge. Franklin Templeton Investments is responsible for the processing of your personal data and all requests to amend or receive a copy of this information should be posted to Franklin Templeton Investments, 78 Cannon Street, London, EC4N 6HL and marked "Attention: the Franklin Templeton Investments Personal Data Officer".

    Unsolicited communications. We welcome your feedback about this Site and may use it to improve the Site. Should you provide unsolicited ideas, or material of any kind ("Communications") and we use it to develop or market products, services, content, tools or information, you agree that we can do so without compensating you. By providing us with such Communications, you represent to us that you own all rights to it. Technically this means that you hereby grant Franklin Templeton a perpetual, worldwide, royalty-free, irrevocable license to edit, reproduce, disclose, transmit, publish, broadcast, or post your Communications either on the Site or elsewhere with no liability or obligation to you. Franklin Templeton is free to use any ideas, concepts, know-how, or techniques obtained in your unsolicited Communications for any purpose including, but not limited to, developing and marketing products. Unless we state otherwise on the Site, any Communications that you email or otherwise transmit through the Site can be treated by us as non-confidential and nonproprietary.

    Usage monitoring. We reserve the right, but do not have the obligation, to access, archive, or monitor any use of this Site, or your use of this Site and your Communications. By using the Site, you accept our right to access, archive, or monitor usage to ensure service quality, or to evaluate the Site, the security of the Site, compliance with these Terms of Use, or for any other reason. You agree that our monitoring activities will not entitle you to any cause of action or other right with respect to the manner in which we monitor your Site usage and enforce, or fail to enforce, these Terms of Use. You further agree that in no event will Franklin Templeton be liable for any damages incurred by you as a result of our usage monitoring.

    Cookies. Under UK legislation and in accordance with similar legislation in other member countries of the European Union, anyone visiting a web page must be informed about what "cookies" are used for and be given the opportunity to refuse permission for such use. A "cookie" is a small text file that contains information and is stored on your computer. Cookies are used purely for technical purposes to facilitate use of the web page. One type of cookie saves a file permanently on your computer. It may then be used to personalize a web page according to the user's choices and interests. The other type of cookie is called a "session cookie". While you are visiting a web page, cookies are sent between your computer and the server to access information. Session cookies disappear when you turn off your web browser. Both session cookies and permanent cookies are used on this Site. If you do not wish to accept cookies, your web browser can be set so that you automatically deny the storage of cookies or are informed every time a website requests to be allowed to store a cookie. Previously stored cookies can also be deleted through the web browser. Visit the web browser's help pages for more information.

  • To be an authorized link, a website that links to this Site:

    May link only to:

    • the home page of Franklin Templeton website (www.temit.co.uk)
    • Must clearly show that the link is to the website of "Franklin Templeton Investments."
    • May link to, but not replicate, the Franklin Templeton Site, in whole or in part, and the link must maintain the integrity of our layout, "look and feel," and Site Content.
    • Must not "frame" or create a browser or border environment or advertising around any Franklin Templeton Site Content.
    • Must not misrepresent its relationship with Franklin Templeton (including suggesting that Franklin Templeton is sponsoring, endorsing, or affiliated with it or its products and services).
    • Must not present false information about or disparage Franklin Templeton, its products or services, or otherwise tarnish or diminish the goodwill in its name.
    • Must not contain content that could be construed as illegal, distasteful, offensive or controversial, and should contain only content that is appropriate for all its authorized users.
    • Must only use the Franklin Templeton logo with written permission or in compliance with these Policies.
    • The following sentences about Franklin Templeton's websites may be used on your website in connection with the authorized link. If used, it must not be altered in any way: Public site link: "Visit www.temit.co.uk, Franklin Templeton Investments’ UK website."
    • The link must be a Permitted Use (see Copyright, Trademark and other Intellectual Property Rights) and comply with all applicable laws and our website's Terms of Use.
  • A Franklin Templeton logo used by a third party on the Internet in connection with an Authorized Link:

    Must be used solely for the purpose of providing an Authorized Link to the Franklin Templeton site.
    Must be the Franklin Templeton logo approved for this purpose, and provided below in this section.
    Must not be altered in any way.

    Instructions for downloading a Franklin Templeton logo in connection with an authorized link:
    Highlight the image. When the menu pops up, select "Save this image as..." and save it to your desktop or other appropriate file.

  • Conditions may apply to third party content. Some of the products, services, content, including advertisements, tools, and information available through the Site may be provided by companies that are not affiliated with Franklin Templeton ("Third Party Content") and their source is clearly identified. In some cases, the Third Party Content may be framed-in on the Franklin Templeton Site or available through a link to a third party site. In the case of Third Party Content, there may be additional restrictions that apply to its use. You should be careful to examine them (for example, in accompanying statements or disclaimers or their posted terms of use) because they may be more restrictive than the restrictions Franklin Templeton imposes on our own, proprietary Site Content. Third Party Content providers may have reserved a right to modify the restrictions they impose on use of their content without notice. As with our Site's Terms of Use, use of Third Party Content after a change in the posted restrictions relating to that content will constitute acceptance of those changes.

    Not responsible for Third Party Content, referrals or links to third parties or third party sites. For informational or educational purposes, or as a service and convenience to you, this Site may provide referral information, Third Party Content or live links to a regulatory agency, non-profit organisation, or other unaffiliated third party and their websites, including companies that have a relationship with Franklin Templeton. Our decision to provide referral information to a third party or to pass on an offer made by a third party vendor or to provide a link from our Site to a third party site is not an endorsement of the third party, their products or services, or their website accessed through any such links. While we would generally only provide such information from, or links to, sources considered reliable, we do not have the resources to conduct independent investigations and accordingly we make no representations or warranties as to third party products, services, content, tools and information, and do not guarantee their accuracy, timeliness, completeness or usefulness. We advise and encourage you to do your own research You will use Third Party Content only at your own risk.

    Although Third Party Content may be displayed, framed-in or provided in a pop-up box on the Site, or available through a live link from our Site to a third party site, Franklin Templeton does not prepare, edit, guarantee or endorse Third Party Content. By clicking on a link from our Site to any third party site, you will leave this Site (even if, for your convenience, a second browser window is opened). When viewing Third Party Content through such a link, keep in mind that the third party's site terms and conditions, privacy and security policies, or other legal information may be different from those of Franklin Templeton's Site. We are not liable for any direct or indirect technical or system issues, consequences, or damages arising from your use of any third party website.

    WE ARE NOT RESPONSIBLE FOR ANY THIRD PARTY, THEIR PRODUCTS OR SERVICES, THEIR WEBSITE, OR ANY CONTENT MADE AVAILABLE THROUGH SUCH THIRD PARTY SITES, NOR DO WE MAKE ANY WARRANTIES OR REPRESENTATIONS, EXPRESS OR IMPLIED, REGARDING THIRD PARTY CONTENT (OR ITS ACCURACY) ON ANY THIRD PARTY SITES, AND WE SHALL HAVE NO LIABILITY OF ANY NATURE WHATSOEVER IN RELATION TO ANY OF THE FOREGOING.

  • DISCLAIMER OF WARRANTIES. YOU ACKNOWLEDGE AND AGREE THAT THIS SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. NONE OF FRANKLIN TEMPLETON, ITS AFFILIATES OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES OR AGENTS (COLLECTIVELY, THE "FRANKLIN TEMPLETON PARTIES") GUARANTEES THE TIMELINESS, ACCURACY, RELIABILITY, COMPLETENESS, OR USEFULNESS OF ANY OF THE SITE. NONE OF THE FRANKLIN TEMPLETON PARTIES WARRANT THAT THIS SITE OR DOWNLOADS WILL MEET YOUR NEEDS OR EXPECTATIONS, OR BE UNINTERRUPTED, SECURE OR ERROR FREE OR THAT THIS SITE, ITS SERVER OR ANY FILES AVAILABLE FOR DOWNLOADING THROUGH THIS SITE ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL ELEMENTS. THE FRANKLIN TEMPLETON PARTIES HAVE NO RESPONSIBILITY FOR VIRUSES OR ANY OTHER DAMAGE THAT MAY BE CAUSED TO YOU AS A RESULT OF USING THIS SITE. PERIODS OF VOLATILE OR UNUSUAL MARKET ACTIVITY, IN PARTICULAR, MAY AFFECT SYSTEMS AVAILABILITY OR RESPONSE TIME.

    YOU EXPRESSLY AGREE THAT THE ENTIRE RISK AS TO THE QUALITY AND PERFORMANCE OF THIS SITE AND THE TIMELINESS, USEFULNESS, ACCURACY OR COMPLETENESS OF THE SITE IS ASSUMED SOLELY BY YOU. ALL OF THE FRANKLIN TEMPLETON PARTIES HEREBY SPECIFICALLY DISCLAIM ANY REPRESENTATIONS, ENDORSEMENTS, GUARANTEES, OR WARRANTIES, EXPRESS OR IMPLIED, REGARDING THIS SITE, INCLUDING WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, ALL OF THE FRANKLIN TEMPLETON PARTIES DISCLAIM ANY WARRANTIES WITH RESPECT TO ANY RESULTS THAT MAY BE OBTAINED FROM THE USE OF THIS SITE.

    You are responsible for your connectivity. You agree that you are responsible for the means you use to access the Site and understand that your hardware, software, the Internet, your Internet Service Provider, and other third parties involved in connecting you to our Site may not perform as intended or desired.

    Not responsible for third party damages. Franklin Templeton also disclaims responsibility for damages third parties may cause to you through the use of this Site, whether intentional or unintentional. For example, you understand that hackers could breach our security procedures, and that Franklin Templeton will not be responsible for any related damages.

    No reliance on Data. Reasonable precautions have been taken to ensure that Site Content is complete and accurate. However, due to the nature of information delivery technology and the necessity of using multiple data sources, including Third Party Content, we are unable to assure the accuracy of the data you access through this Site. Site Content is presented only as of the date published or indicated and may be superseded by subsequent market events or other reasons. Franklin Templeton has no duty to update this Site or any Site Content. WE SHALL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DAMAGES ARISING FROM ANY ACTIONS OR INVESTMENT DECISIONS TAKEN BY YOU BASED ON THE ACCURACY OF THE DATA PRESENTED THROUGH THIS SITE.

    Cautions about future or "forward-looking" statements. Speculation or stated beliefs about future events, such as market and economic conditions, company or security performance, upcoming product offerings or other projections are "forward-looking statements". These forward-looking statements represent the beliefs of the speaker/author and do not necessarily represent the views of Franklin Templeton Investments Corp. General business, market, economic and political conditions could cause actual results to differ materially from what the speaker/author presently anticipates or projects.

    Internet email. We discourage you from using e-mail for sending confidential or sensitive information. If you send e-mail (encrypted or not) to us over the Internet, you are accepting the associated risks of lack of confidentiality.

  • YOUR SOLE REMEDY FOR DISSATISFACTION WITH YOUR USE OF OUR SITE IS TO STOP USING THE SITE. YOU AGREE THAT UNDER NO CIRCUMSTANCES WILL THE FRANKLIN TEMPLETON PARTIES BE LIABLE FOR ANY DAMAGES, WHETHER DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE OR EXEMPLARY DAMAGES (COLLECTIVELY, THE "EXCLUDED DAMAGES"), ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR USE OF OR INABILITY TO USE THIS SITE, INCLUDING BUT NOT LIMITED TO: LOSS OF REVENUE, TRADING LOSSES, ANTICIPATED PROFITS, BUSINESS, SAVINGS, GOODWILL OR DATA; ANY FAILURE OF PERFORMANCE, DENIAL OF SERVICE, ATTACK, INTERRUPTION, DEFECT, OPERATOR ERRORS, INCONVENIENCE OR DELAY IN OPERATION OR TRANSMISSION OR COMPUTER VIRUS; FAILURE OF ELECTRONIC OR MECHANICAL EQUIPMENT OR COMMUNICATIONS LINES (INCLUDING TELEPHONE, CABLE AND INTERNET); SEVERE OR EXTRAORDINARY WEATHER (INCLUDING FLOOD, EARTHQUAKE, OR OTHER ACT OF GOD); FIRE, WAR, INSURRECTION, TERRORIST ACT, RIOT, LABOUR DISPUTE AND OTHER LABOUR PROBLEMS, ACCIDENT, EMERGENCY OR ACTION OF GOVERNMENT; OR THIRD PARTY THEFT OF, DESTRUCTION OF, UNAUTHORIZED ACCESS TO, ALTERATION OR USE OF YOUR INFORMATION, EQUIPMENT OR PROPERTY, EVEN IF THE FRANKLIN TEMPLETON PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF OR COULD HAVE FORESEEN THE EXCLUDED DAMAGES. FURTHER, THE FRANKLIN TEMPLETON PARTIES WILL NOT BE RESPONSIBLE FOR ANY FAILURE TO COMPLY, BY YOU OR ANY THIRD PARTY, WITH THESE TERMS OR WITH APPLICABLE FEDERAL, PROVINCIAL AND LOCAL LAWS. THESE LIMITATIONS OF LIABILITY WILL APPLY REGARDLESS OF: (I) ANY NEGLIGENCE OR GROSS NEGLIGENCE OF ANY FRANKLIN TEMPLETON PARTY OR (II) WHETHER THE LIABILITY SOUNDS IN NEGLIGENCE, STRICT LIABILITY, CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER THEORY OF LEGAL LIABILITY; AND WILL REMAIN IN EFFECT EVEN IF ANY REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

  • As a condition of your use of the Site, you agree to make the Franklin Templeton Parties and their third party providers whole for any and all claims, losses, liabilities and expenses (including but not limited to attorneys' fees) arising from any use of the Site or your violation of these Terms of Use.

  • Failure by Franklin Templeton to enforce any provision(s) of these Terms of Use shall not be construed as a waiver of any provision or right. This Site is controlled and operated by Franklin Templeton from its offices within California in the United States of America. The laws of the State of California govern these Terms. If you take legal action relating to these Terms, you agree to file such action only in the state courts of the City and County of San Mateo, California, or the United States District Court for the Northern District of California, and you consent and submit to the personal jurisdiction of those courts for the purposes of litigating any such action.

    If any provision of these Terms of Use is deemed unlawful, void, or for any reason unenforceable, the remaining provisions shall be enforced to the fullest extent possible, and the remaining provisions shall remain in full force and effect.

    You shall comply with all laws, rules and regulations by any governmental authority or agency which govern or apply to the operation and use of the Site. Without limiting the foregoing, you agree to comply with such restrictions and not to export or re-export any of the Site to countries or persons prohibited under the export control laws of the United States. These Terms of Use inure to the benefit of Franklin Templeton, its successors and assigns. You may not assign the Terms of Use. No waiver shall be effective unless in writing. All rights not expressly granted herein are reserved by Franklin Templeton.

  • You acknowledge and agree that Franklin Templeton may restrict, suspend or terminate the Terms of Use or your access to, and use, of all or any part of Site, including any links to third-party sites, at any time, with or without cause, including but not limited to any breach of the Terms of Use, in Franklin Templeton's absolute discretion and without prior notice or liability. The relevant version of the Terms of Use shall continue to apply to all prior use of the Site. The following paragraphs of this Terms of Use shall survive termination of your use or access to the Site: paragraphs concerning Indemnification, Disclaimers, Limitations of Liability, Termination and General Provisions, and any other provision that by its terms survives termination of your use of or access to the Site.