Important legal information
Please take a moment to read these terms and conditions, which govern your use of this website.
Please check these Terms and Conditions regularly for changes. Your continued use of this website after these Terms and Conditions have changed will confirm your agreement to the revised Terms and Conditions.
This website contains details of investment products and services which are provided by Janus Henderson Investors. These investment products and services are available through this website only to UK residents and nothing on this website is an offer to anyone outside the United Kingdom to acquire an investment product or service.
This website is not for use by “US Persons”. A “US Person” is defined by US laws and regulations in force from time to time. If you are resident in the US, or as a corporation or other entity are organised under US law or administered by or operated for the benefit of a legal or natural US person, you should take professional advice to determine whether you are a US Person and you should not access this website until you are sure that you are not a “US Person”.
If you proceed to use this website, we are entitled to take that use as your assurance that you are resident for tax and investment purposes in the United Kingdom. If this is not the case, please return to JanusHenderson.com and choose the appropriate jurisdiction, where you will find investment products and services which are available to you.
Please note the following in your use of this website:
- if after accessing this website you decide to apply for any of the investment products or services mentioned on this website, you should read the relevant application form, prospectus and the key information document (KID) applicable to your chosen product or service.
- other companies within the Janus Henderson Group or Janus Henderson Group employees may have holdings in Janus Henderson Investors’ investment products or services and may otherwise have an interest in transactions that you effect in those products or services;
- past performance is not a guide to future performance. The value of an investment and the income from it can fall as well as rise and you may not get back the amount originally invested.
- tax assumptions and reliefs depend upon an investor’s particular circumstances and may change if those circumstances or the law change.
- nothing on any part of this website, including on any section of this website which is password-protected, is intended to be or should be understood as being investment advice.
Intellectual property rights and use of content
Copyrights, trademarks, logos, service marks, trade names, or other intellectual property displayed on, or used in conjunction with, this website are proprietary to Janus Henderson Investors. The content of this website is protected by applicable intellectual property law; Janus Henderson Investors reserves all rights with respect to intellectual property ownership of all material on this website, and will enforce such rights to the full extent permissible by law. Other company product and service names and logos used and displayed on this website may be trademarks or service marks owned by others. Nothing on this website should be construed as granting any license or right to use any of these trademarks without the prior written permission in each instance of the owner(s) of such other trademarks. This website also contains text, software, graphics, images, and other material protected by copyrights or other proprietary rights and laws (collectively, the “Proprietary Material”), owned by Janus Henderson Investors or its licensors. Any use of such Proprietary Material other than as permitted herein is expressly prohibited without the prior permission of Janus Henderson Investors and/or the relevant rights holder in writing.
Normally, we are happy for you to download or print copies of a reasonable amount of the information contained on this website for your personal use.
In certain circumstances, we may agree with you that you may distribute particular information which you access via this website to third parties. If you wish to use information in this way, you must email us at firstname.lastname@example.org. If we accept your application, we will send you confirmation by email. You may not redistribute any part of the contents of this website until you have received our confirmation that you are permitted to do so.
Where we have given you permission to redistribute information to third parties, this permission is given on condition that you:
- use the material in the form in which it was originally displayed on the website;
- clearly attribute that material to Janus Henderson Investors, using wording which we specify from time to time;
- do not claim any goodwill or other ownership of any of that material;
- take all necessary steps to ensure that the material is distributed only to the relevant audience as defined by geographical, regulatory and other restrictions set out in these Terms and Conditions;
- do not display the information in a way which implies sponsorship or endorsement of any third party goods, services or materials by any member of the Janus Henderson Group, or in a manner that is misleading, defamatory, infringing, libellous, disparaging, obscene or otherwise objectionable; and
- cease your use, and require the third party recipients to cease their use, of those materials if we request you to do so in writing.
Please note that you may not otherwise use the name of any Janus Henderson Group company nor the name ‘Janus Henderson’ itself, nor any Janus Henderson Group company trade mark, logo or design without our consent.
Please see the ‘Your liability to us’ section below for details of your liability to Janus Henderson Investors in circumstances where you redistribute information originating from this website to third parties.
Third Party Content
This website may contain or link to content which is generated by third parties. However, we do not approve this third party content and so we are not responsible or liable for that content or for the consequences of your use of it.
Please read the following sections carefully. They set out the circumstances in which we will and will not be liable to you and to third parties, and give you certain liability to Janus Henderson Investors where you redistribute information originating from this website to third parties.
Nothing in these Terms and Conditions operates to exclude or restrict any liability which we are obliged by applicable laws or regulation to accept.
Our responsibility to you
We will always endeavour to provide a reliable and secure website. However, the internet is an imperfect medium and is susceptible to interruption and error. In particular, messages sent electronically may not be secure. We recommend that you do not send any confidential information to us via electronic methods. If you choose to send any confidential information to us this way, you do so at your own risk and in the knowledge that a third party may intercept this information.
The website may occasionally be unavailable for maintenance or other reasons. Where this happens, we regret any inconvenience caused but we are not responsible for any losses arising from this unavailability.
We will not be liable or responsible for any failure to perform, or delay in performance of, any of our obligations under a contract that is caused by any act or circumstance outside our reasonable control.
Further, none of the companies within the Janus Henderson Group will be liable for any special, indirect, incidental or consequential loss suffered by any person in connection with the use of this website.
Whilst we believe that the information contained on this website is accurate, we do not guarantee its accuracy or completeness and we disclaim all representations and warranties of any kind in respect of that information. Please conduct your own checks on any information obtained from this website before relying or acting upon it in any way.
Our responsibility to third parties
In addition to the limitations on Janus Henderson Investors’ liability set out above, no member of the Janus Henderson Group has any duty to any third party recipient to whom you may redistribute material originating from this website. No third party has any right to bring any claim against any member of the Janus Henderson Group in connection with any such redistributed material.
Your liability to us
Where you redistribute information originating from this website to third parties, you will indemnify each member of the Janus Henderson Group against any damages and costs incurred as a result of any claim from a third party that the third party relied to its detriment on material originating from this website.
Who we are and how to get in touch
If you have any queries or complaints regarding this website or these Terms and Conditions, please do contact us at email@example.com .
This website is issued in the UK by Janus Henderson Investors (also referred to throughout these Terms and Conditions as ‘we’ or ‘us’). Janus Henderson Investors is the name under which Janus Capital International Limited (reg no. 3594615), Henderson Global Investors Limited (reg. no. 906355), Henderson Investment Funds Limited (reg. no. 2678531), Henderson Investment Management Limited (reg. no. 1795354), AlphaGen Capital Limited (reg. no. 962757) and Henderson Equity Partners Limited (reg. no. 2606646) (each incorporated and registered in England and Wales with registered office at 201 Bishopsgate, London EC2M 3AE and authorised and regulated by the Financial Conduct Authority) provide investment products and services.
Where these Terms and Conditions refer to the ‘Janus Henderson Group’, this means Janus Henderson Group plc (incorporated and registered in Jersey, registered no. 101484, registered office 47 Esplanade, St Helier, Jersey JE1 0BD) and all of its wholly owned subsidiaries.
At Janus Henderson Investors, maintaining your privacy is important to us and we take precautions to safeguard your information. After all your relationship with us is built on trust and our goal is to preserve that trust. This policy applies where we are acting as a data controller with respect to your information; in other words, where we determine the purpose and means of the processing of that information. This policy sets out the basis on which your information is collected, stored and used by us.
- Who we are and how to contact us
- Information we collect
- How and why we use information
- Sharing of your information
- Your rights
- Storage, transfers and retention
- Making changes to this information
- Who we are and how to contact us
Janus Henderson Investors
Data Privacy Office
151 Detroit Street
Denver, CO, 80206-4805
United States of America
2. Information we collect
By “information” we mean all of the personal and financial information about you that we collect, use, share and store. Most of the information collected by us is information which you have provided to us directly, whether this is from you signing up online to receive information from us or by your providing information to us when becoming a client of ours.
Information we collect from you when you visit and/or request to receive information from our website (by way of a non-exhaustive list):
- personal contact information (e.g. first name, family name, position in the company, company name, company email address, business phone number, business address, city, postcode and country); and
- how you access and use our website or other digital services (e.g. your IP address, your location, the device and software being used, pages visited, content viewed, links and buttons clicked through).
Information that we collect or generate about you includes (by way of a non-exhaustive list):
- the Janus Henderson services or products which you have engaged with and our interactions with you; and
If you are looking to become a client of ours, or are already a client of ours, in addition to the above, we may also collect or generate additional information about you. This includes (by way of a non-exhaustive list):
- financial information associated with managing your account with us, including bank account numbers and account transactions;
- investment details including aims and/or objectives, and risk profile;
- regulatory requirements, such as country of tax residency, tax identification number, signature, death and marriage certificates, appointed power of attorney, appointed court of protection order, bankruptcy orders, change of name deed, and trust deed;
- information about other people you are financially linked to (e.g. your spouse) or who have an interest in or association with any of your accounts (e.g. where you have opened an account for the benefit of a child);
- new account information, including date of birth and/or age, city or country of birth, and nationality;
- employment status including whether you are employed, retired or receive benefits;
- proof of identification information, which may include a copy of your driver’s license, passport, or other appropriate identification documentation (depending on what you provide to us); and
- any other relevant information provided by you to us in correspondence, whether by email, written letter, or telephone call.
There may be some instances where we receive information about you from a third party. This includes (by way of a non-exhaustive list):
- information received when you use an investment professional to make an application with us;
- information received from any fraud protection agency in relation to you, your account or any of your investments;
- background checks including information from social media; and
- events which you registered for and/or attended that featured a Janus Henderson investment product.
In addition to the categories of information described above, Janus Henderson will also process further anonymised information and data that is not processed by reference to a specific individual. Your information may be converted into statistical or aggregated data which cannot be used to re-identify you. It may then be used to produce statistical research and reports which may be shared within Janus Henderson.
3. How and why we use your information
We process your information to the extent necessary for us to carry out investment activities, provide communications to you, meet our regulatory obligations and for other legitimate purposes permitted by applicable law. Your information may be stored and processed by us in the following ways and for the following purposes (by way of a non-exhaustive list):
- opening of accounts, administering and managing your investment account(s) (as applicable), updating your records and tracing your whereabouts to contact you about your account;
- understanding your needs and interests;
- allowing you to use and access the functionality provided by our website services;
- communicating with you, where you have requested or consented, regarding any product or service or any other situation where you have engaged us to provide you with information;
- recording of incoming and outgoing calls for training, monitoring, and security purposes;
- ensuring the security of your investments by obtaining and/or verifying instructions either directly from you or through an agent appointed to act on your behalf;
- notifying you about any change to your investments, and/or to contact you about and enable you to exercise any rights in relation to your investments;
- investigating any complaint, dispute and/or any concerns relating to your investments and or activity on your account;
- identification verification, money laundering and other checks to confirm your identity and to ensure that the investments which we handle for you are done in compliance with our legal obligations;
- maintaining a register of investors;
- managing and administering our business;
- complying and assessing compliance with applicable law, rules and regulations and internal policies and procedures;
- administering and maintaining databases that store information;
- for some of our profiling and other automated decision making, which may be relevant to your investments and/or the way we manage your investments;
- anonymisation that enables us to undertake market research, analysis and developing statistics from information that is not referenced to a specific individual;
- for marketing communications (where it is lawful for us to do so and where you have not objected to the use of your information for these purposes);
- to carry out searches at fraud protection agencies pre-application, at the application stage, and periodically after that; and
- to deal with requests from you to exercise your rights under data protection laws.
Whenever we use information, we make sure that the usage complies with all applicable laws. Data protection laws require us to have one or more of the following reasons:
- ‘Contract performance’ – the information needed to deliver your account, product or service (e.g. we’ll need to hold your transaction history to give you an account statement).
- ‘Legal obligation’ – we are required by law to process your information (e.g. to verify your identity).
- ‘Legitimate interest’- we’re allowed to use your information where, on balance, the benefits of us doing so are legitimate and not outweighed by your interests or legal rights (e.g. we have an interest in knowing what our clients do and don’t like so we can offer better products and services).
- ‘Consent’- in some cases we may obtain your consent to use information in a particular way or where the law requires consent to be obtained (e.g. if you consent to us sending information about new products. Whenever ‘consent’ is the only reason for us using the information you have the right to change your mind and change or withdraw your consent).
4. Sharing of your information
We may share your information within Janus Henderson (both in the UK and internationally) for the purposes described above. All of our employees and contractors are required to follow our data privacy and security policies when handling information.
We may also share your information outside of Janus Henderson under the following circumstances.
Legal obligations: we share information: (i) to the extent that we are required to do so by applicable law, by a governmental body or by a law enforcement agency, or for crime prevention purposes (including fraud protection); (ii) in connection with any legal proceedings (including prospective legal proceedings); or (iii) in order to establish or defend our legal rights.
Consent: when you request that we share your information with someone else (for example if you engage the services of a professional advisor after you have become a client of ours and request that we provide information about your account to that professional advisor) or when we have otherwise obtained your consent. If we share information other than as permitted or described above, we will provide you with a choice to opt in to such sharing and you may choose to instruct us not to share the information.
Business sale: if we sell some or all of our business or assets we may need to disclose your information to a prospective buyer for due diligence purposes. If we are acquired by a third party, the information held by us about you will be disclosed to the third party buyer.
5. Your rights
You have the following rights under data protection laws within the EU. In most cases you can exercise them free of charge. If your investment is through one of our US companies, you may not be entitled to all of the rights set out in this section.
You have the right to:
- be informed about the processing of your information;
- have your information corrected if it is inaccurate and to have incomplete information completed;
- object to or restrict processing of your information. Please note that there may be circumstances where you object to, or ask us to restrict our processing of your information but we are legally entitled to refuse that request;
- withdraw your consent to processing of your information at any time. Please note, however, that we may still be entitled to process your information if we have another legitimate reason for doing so (e.g. we may need to retain information to comply with a legal obligation);
- have your information erased in certain circumstances. Please note that there may be circumstances where you ask us to erase your information but we are legally entitled to retain it;
- request access to your information and to obtain information about how we process it;
- move, copy or transfer your information;
- receive some information in a structured commonly used and machine-readable format and/or request that we transmit that data to a third party where technically feasible. Please note that this right only applies to information which you have provided directly to Janus Henderson and may not always apply;
- lodge a complaint with the relevant data protection regulator if you think any of your rights have been infringed by us; and
- be informed how your information is used in relation to automated decision making which has a legal effect on or otherwise significantly affects you.
Please note that if you withdraw your consent for the future processing of your information we may be unable to send you some marketing communications or information regarding events sponsored by Janus Henderson. Additionally note, when we send you marketing, you will always be provided with an option to unsubscribe or opt out of receiving further marketing from us.
If you wish to exercise any of the rights above please contact us at firstname.lastname@example.org or by postal service at:
Data Privacy Office
151 Detroit Street
United States of America.
In the EU, you have the right to complain to the data protection regulator in your jurisdiction. As our European headquarters are in the UK, you can also contact the Information Commissioner’s Office which enforces data protection laws: https://ico.org.uk/.
6. Storage, transfers and retention
The information that we collect from you may be transferred to, and stored at, a destination outside the European Economic Area (the “EEA”). It may be processed by staff operations outside the EEA who work for us or for one of our service providers.
Where we transfer your information to another country outside the EEA, we will ensure that it is protected and transferred in a manner consistent with legal requirements. In relation to information being transferred outside of the EEA, for example, this may be done in one of the following ways:
- the country that we send the information to might be approved by the European Commission as offering an adequate level of protection for information;
- the recipient might have signed up to a contract based on “model contractual clauses” approved by the European Commission, obliging them to protect your information;
- the country that we send the information to may subscribe to an “international framework” intended to enable secure data sharing;
- where the recipient is located in the US, it might be a certified member of the EU-US Privacy Shield scheme; or
- in other circumstances the law may permit us to otherwise transfer your information outside the EEA.
You can obtain more details of the protection given to your information when it is transferred outside the EEA (including a copy of the standard data protection clauses which we have entered into with recipients of your information) by contacting us via email at email@example.com or by postal service at:
Data Privacy Office
151 Detroit Street80206-4805
United States of America
We will retain information as needed to fulfill the purposes for which it was collected. We will retain and use your information as necessary to comply with our business requirements, legal obligations, resolve disputes, protect our assets, and enforce our agreements. We will not retain your information for longer than is reasonably necessary.
We have physical, administrative, procedural and technical safeguards in place to protect your information from unauthorised access, use or disclosure. We also contractually require that our third party service providers protect such information to the standard required in the EEA. We regularly adapt these controls to respond to changing requirements and advances in technology.
As a condition of employment, Janus Henderson employees are required to follow all applicable laws and regulations, including data protection laws. Access to sensitive information is limited to those employees who need it to perform their roles. Unauthorised use or disclosure of confidential client information by a Janus Henderson employee is prohibited and may result in disciplinary measures.
8. Making changes to this information
We’ll keep this information up to date and it will always be available at janushenderson.com or on request at any time.
We collect information about your computer including your Internet Protocol address (“IP address”), operating system, browser type, pages visited and average time spent on our websites. We use this information for a variety of purposes, such as maintaining the security of your online session, online advertising of our products and services, facilitating site navigation, improving our websites’ design and functionalities, and personalising your experience. On their own cookies do not contain or reveal any personally identifiable information. However, if you choose to furnish us with any personal or financial information, this information can be associated with the data collected by the cookies.
2. Types of cookies we use
Strictly necessary cookies: Generally these cookies will be essential first party session cookies and are required for the operation of our website. They include cookies that enable you to log into secure areas of our website and help ensure the content of the pages you request load quickly. Without these cookies, you will not be able to access our online services (e.g. our website or a service on our website) which you have requested.
Analytical/performance cookies: These cookies can be first or third party, session or persistent cookies. To fall within this category their usage typically is limited to performance and website improvement. These cookies don’t collect any information that could be used to identify you – all the information collected is anonymous and is only used to help us improve the performance of our websites. A first party example is a cookie that allows us to both count visitors and see how visitors navigate our websites. This helps us improve the way our websites work (e.g. improve the usability to ensure visitors easily find what they want).
Functional cookies: These cookies can be first party or third party, session or persistent cookies. These cookies allow us to provide you with a more personal experience so that you do not have to reset your preferences each time you visit one or more of our websites. To deliver a more personal experience, they enable us to personalise content for you, greet you by name, and remember your preferences (e.g. your choice of language or region).
Targeting cookies: These cookies can be first party or third party. They will always be persistent but time-limited cookies. Targeting cookies are used to send you relevant information and see which content you use. They do this by recording your visits to our websites, the pages you have visited and the links you have followed. We then use the information collected to tailor both our website and the relevance of our advertising displayed to your interests. In order to make our advertising displayed more relevant, we provide the information collected to advertising networks. Please note these cookies do not contain any of your personal or financial information.
3. Cookies we use
The following cookies may be placed on your computer or device by us:
|Cookie Name||Purpose||Cookie Type|
|We use these cookies to collect information about how visitors use our websites. We use the information to compile reports to help us improve our websites. The cookies collect information in an anonymous form, including the number of visitors to our websites, how they came to our websites and the pages they visited.||Analytical / Performance|
|Important-message-closed||We use these cookies to hide the ‘Important Message’ banner that appears on our websites.||Performance|
|LegalAcceptance||We use these cookies to stop visitors from having to repeatedly agree (clicking on accept) to our legal terms and conditions. There could be multiple LegalAcceptance cookies depending on how many of our websites the visitor accepted terms on. These cookies are set for 90 days.||Functional|
|MyHGiNotViewedCount||We use these cookies to show a label next to the ‘Welcome’ text to highlight how many new unseen posts have been created (based on what the visitor is following). These cookies reset each time a visitor accesses one of our websites since they are session based and not visitor specific.||Performance|
|ProfileName||We use these cookies so our system can identify what layout the visitor should be shown (mobile or desktop). These cookies reset each time a visitor accesses our websites since they are session based and not visitor specific.||Strictly Necessary|
|Property-map-instructions-read-1||We use these cookies to hide the initial property map instructions after the visitor has read them and clicked on ‘Understood’, so that the map is not seen on return visits to the page.||Performance|
|UserGUID||We use these cookies to track sign-in so that the visitor does not have to repeatedly log in. These cookies are set for 2 years.||Functional|
The following cookies may be placed on your computer or device by third parties:
|Provider||Cookie Name||Purpose||Cookie Type|
|DoubleClick (a Google Company)||Googleads.g.doubleclick.net||We use these cookies to collect anonymous visitor data to measure the effectiveness of our advertising campaigns and to tailor advertisements based on a visitor’s prior visits to our websites.||Targeting|
|Google Remarketing||gtag.js – AW.xxxxxx||We use these cookies (provided by Google AdWords) to generate and show advertisements to people who have visited our websites.||Targeting|
|We use these cookies to identify page views of our visitors. Metadata (such as IP address information), timestamps, and events. All data is encrypted. These cookies are stored in the visitor’s browser until they are either deleted or expired (there’s a rolling six-month expiration from the visitor’s last visit).||Analytical / Performance|
|We use these cookies to track visitor and prospect activities on our websites and landing pages. These cookies remember preferences when a visitor returns to our websites and maintain sessions for logged-in visitors. There are three kinds of cookies used:
i) the visitor cookie composed of a unique visitor ID and the unique identifier for your account which is set for visitors by the Pardot tracking code,
ii) the opt-in preferences cookie set with a true or false value when the visitor opts in or out of tracking, and
iii) the session cookie when a visitor is logged in as a Pardot visitor. This cookie is not set on a visitor’s browser beyond the length of the session.
Pardot cookies do not store personal or financial information, only a unique identifier.
|We use these cookies to collect information about how visitors use our websites. We use the information to compile reports to help us improve our websites. The cookies collect information in an anonymous form, including the number of visitors to our websites, where visitors have come from to our websites and the pages they visited.||Analytical / Performance|
|We use these cookies to collect information about how visitors use our sites. The information is used by MS3Insight to compile, aggregate and benchmark data across a number of asset management firms. The cookies collect information in an anonymous form including the number of visitors to our websites, how they came to our websites and the pages they visited.
The S3optout cookie stores the opt-outs from sophus3 services.
|Analytical / Performance|
4. Managing cookies
The browsers of most computers, smartphones and other web-enabled devices are typically set up to accept cookies. You can manage cookies that are placed on your browser by activating the setting on your internet browser that allows you to refuse the setting of some or all cookies.
For more information about how to do this, you can use the following links for guidance: Disable/enable Adobe cookies, Control Google web analytics and cookies (browser add-on), Control all cookies with your browser (please note some parts of the website will not function when all cookies are disabled), and Understand Google’s use of advertising cookies.
We understand that some internet browsers have incorporated ‘Do Not Track’ features. Most of these features, when turned on, send a signal or preference to the websites you visit indicating that you do not wish to be tracked. This is different from blocking or deleting cookies, as browsers with a ‘Do Not Track’ feature enabled may still accept cookies. Our websites do not currently recognise and respond to ‘Do Not Track’ requests.
First and third party cookies – whether a cookie is ‘first’ or ‘third’ party refers to the domain placing the cookie. First party cookies are those set by a website that is being visited by the visitor at the time – the website displayed in the URL window. Third party cookies are cookies that are set by a domain other than that of the website being visited by the visitor. If a visitor visits a website and another entity sets a cookie through that website this would be a third party cookie.
Session cookies—these cookies allow website operators to link the actions of a visitor during a browser session. A browser session starts when a visitor opens the browser window and finishes when they close the browser window. Session cookies are created temporarily. Once you close the browser, all session cookies are deleted
Persistent cookies – these cookies remain on a visitor’s device for the period of time specified in the cookie. On the date specified in the expiration, the cookie will be removed from the visitor’s disk unless deleted before by the visitor.