Please feel free to get in touch

Please see our Website Privacy Policy for information


Terms of use and legal information


Please read these Terms of Use (“Terms”) carefully before using our website. The Terms, together with the documents or policies referred to in them tell you the terms on which you may use our website.

References in these Terms to “Sanlam”, “we”, “us” or “our” mean any and each of Sanlam UK Limited, Sanlam Life & Pensions UK Limited, Sanlam Financial Services UK Limited, Sanlam Wealth Planning UK Limited and English Mutual Limited, unless otherwise indicated.

By using this website you confirm that you have understood and accepted the following terms and conditions of use. If you do not agree to our Terms you must not use our website. We may revise these Terms from time to time by updating this page. You should revisit this page regularly so that you are aware of the current Terms as they will apply to you when you are using our website.

Copyright and trademark law

All elements of this website and its content are protected by copyright law and belong to Sanlam UK Limited or such other member of the Sanlam group as Sanlam UK Limited directs. The copyrights of third parties are reserved. Changes to this website by unauthorised persons are prohibited.

This website, or any part thereof, may not be copied, transmitted (electronically or otherwise), linked to or used for public or commercial purposes without the prior written consent of Sanlam.

Downloading or copying this website or any part of it does not confer a licence or any right to use any image, trademark, logo or software. Sanlam reserves all rights to all material on this website.

Not an offer

The contents of this website are for information purposes only and are not binding, unless expressly stated otherwise. The contents of this website do not constitute a request or an offer in a legal sense or a recommendation to undertake any financial transaction or decision. You should take professional advice before entering into any financial arrangements.

Our website is intended for the information of residents in the United Kingdom unless otherwise stated.

No undertakings or guarantees

Although all reasonable care has been taken in compiling the content of this website, Sanlam cannot offer any undertaking or guarantee, either expressly or implicitly, including liability towards third parties, regarding the website or its contents being correct, complete or up-to-date. Sanlam reserves the right to supplement this website at any time or to change or delete any information contained or views expressed on this website. Sanlam reserves the right to suspend or withdraw access to the pages of this website without notice at any time and accepts no responsibility if these pages are not available at any given time. We do not guarantee that our website, or any content on it, will always be available or be uninterrupted. We will not be liable to you if for any reason our site is unavailable at any time for any period.

Sanlam does not warrant and makes no representation that any information or other material accessible through this website is free of virus or other harmful components, and it is your responsibility to ensure that whatever you download from or select for your use from this website is free from these items. You are responsible for configuring your information technology, computer programmes and platform in order to access our website.  You should use your own virus protection software.

Sanlam can also offer no undertaking that the information set out in this website is correct or has not been interfered with owing to technical problems (whether transmission errors, technical deficiencies, interruptions, illegal interventions by third parties, or otherwise) or for any other reason.
Under no circumstances will Sanlam be liable for any loss or damage, including but not limited to direct, indirect or consequential loss or damages that result in any way and for any reason from your use of the information and material provided in this website or from access to other material on the internet via web links from this website.

You must not misuse our website by knowingly introducing viruses, Trojans, worms or other material which is malicious or technologically harmful.  You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site.  You must not attack our website via a denial-of-service attack or a distributed denial-of-service attack.  We will report any such activity to the relevant law enforcement authorities.  In the event of such activity your right to use our website shall cease immediately.

You must not establish a link to our website in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

Financial Adviser login

If you choose, or are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.  We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms.

If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us.  You are solely responsible for your use of your account.


The articles comprising the Sanlam blog “Soul Tonic” which are made available on the Sanlam website represent the personal opinions of Richard Waters and not those of Sanlam. The information and views expressed should not be attributed to Sanlam nor should Sanlam be construed as approving the content of the article. The content of the articles is not intended to represent any form of financial advice or recommendation or other professional advice or services. The views expressed are Richard Waters' as at the date appearing on the material and may be subject to change without notice. Whilst information contained in the blog is compiled in good faith and based on sources believed to be reliable, neither its accuracy nor completeness are guaranteed. Your use of the content is at your own risk, you should not rely on this information to make an investment or financial decision. In no event shall Sanlam or the Sanlam group be liable for any errors or omissions or for the results obtained from using or relying on any of this information.

Data security and data protection

In the case of electronic contact or communication, your data is transmitted via a publicly accessible network. Data transmissions may cross international borders, even if the sender and recipient are both located in the same country. Even when the individual data packets are encrypted, the names of the sender and recipient may not be. There is no guarantee that any email sent will be received, or that the contents of any such email will remain private or unaltered during internet transmission.  If you have any such conerns, you may prefer to telephone or write to us instead. 

In accordance with the provisions of the Data Protection Act 1998 (as amended) (‘the Act’) Sanlam handles personal data (as defined in the Act) in accordance with the Act and takes appropriate measures to protect such data from unauthorised manipulation. Please note however that the world wide web is a publicly accessible system. Making personal information (including personal data) voluntarily available on-line is done at your own risk. Such data can be lost during transmission or be accessed by unauthorised parties, and Sanlam cannot accept any responsibility for data security in these circumstances.

Data sent to Sanlam via the internet will only be used by Sanlam for the desired purpose or to ensure that the desired purpose has been successfully achieved. Please inform our sales and marketing team if you do not wish to be so contacted by clicking here. Please refer here to the Sanlam Privacy and Cookie Policy for further information.

Links to other websites/third-party contents

Please note that when you click on any external hyperlink you will leave our site and access the external site(s) at your own risk. Sanlam has not checked the contents of third-party websites linked to this website and does not accept any liability for their contents or for the products and services they offer.


This website is established in the United Kingdom, and is governed by the law of England and Wales. A condition of using this website is that in the event of any dispute or proceeding regarding or arising out of the use of this website, the information contained within it, or any matters raised in this notice, you irrevocably submit to the exclusive jurisdiction of the Courts of England and Wales, and waive any objections to proceedings on the grounds of venue or inconvenience of forum.

About Sanlam

Sanlam UK Limited is an appointed representative of Sanlam Life & Pensions UK Limited (SLP), Sanlam Financial Services UK Limited (SFS), Sanlam International Investments Limited (SIIL) and Sanlam Private Investments (UK) Ltd (SPI).   SLP is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. SFS, SPI and SIIL are authorised and regulated by the Financial Conduct Authority.  Sanlam Distribution is a trading name of Sanlam UK Limited.  Sanlam UK Limited is registered in England and Wales, No 6575962. Registered office: St. Bartholomew’s House, Lewin’s Mead, Bristol BS1 2NH. 

If you would like to view the regulatory and legal status of each Sanlam company to which this website relates, please click here.

Investing involves risk and the value of investments and the income from them may fall as well as rise and are not guaranteed. Investors may not get back the original amount invested.