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  • Terms and conditions
    Please tick the box to indicate your consent with Morningstar's Terms of use.
    Terms of Use

    Terms and Conditions

    These general terms and conditions apply to the websites (which we will refer to as “the Site”) of the Morningstar UK companies (collectively “Morningstar”, or “we”, “our”), which includes Morningstar UK Limited (particularly its website morningstar.co.uk). Some specific Morningstar websites have particular terms and conditions which are relevant to their services.

    Please read these terms and conditions carefully as your use of the Site is subject to them. Morningstar reserves the right at its sole discretion to change, modify or add to these terms and conditions without prior notice to you. By continuing to use the Site you agree to be bound by such amended terms.

    1. What you are allowed to do

    Subject to the terms hereof, we hereby provide you with a non-exclusive, revocable, limited licence to do the following:

    (a)    browse the Site and view the information on it for private, non-commercial use only;
    (b)   print off pages from the Site to the extent reasonably necessary for your use of the Site in accordance with the above.

    provided that at all times you do not do any of the things set out in clause 2.

    2. What you are not allowed to do

    Subject to these terms and conditions, you may not:

    (a)    systematically copy (whether by printing off onto paper, storing on disk or in any other way) substantial parts of the Site;
    (b)   remove, change or obscure in any way anything on the Site or otherwise use any material contained on the Site except as set out in these terms and conditions;
    (c)   reproduce, retransmit, disseminate, sell, publish, broadcast the Site or any portion of it, or use the Site or anything available on it in connection with creating, promoting, trading or marketing investment products without our express written consent or
    (d)   Use the Site for unlawful purposes or fail to comply with any applicable laws, statutes or regulations that apply to your access or use of the Site or any information taken or derived from it.

    3. No Investment Advice

    You acknowledge that:

    (a)    We do not provide investment advice (as defined in the Financial Services Act 1986), that nothing on the Site constitutes investment advice and that you will not treat any of the Site's content as such;
    (b)   We do not recommend any financial product;
    (c)   We do not recommend that any financial product should be bought, sold or held by you;
    (d)   nothing on the Site should be construed as an offer, nor the solicitation of an offer, to buy or sell securities by us; and
    (e)   information which may be referred to on the Site from time to time may not be suitable for you and that you should not make any investment decision without consulting a fully qualified financial adviser.

    4. Access

    The Site is directed at users located in the United Kingdom.


    5. Your personal information

    Our use of your personal information is governed by Morningstar's Privacy Policy, which forms part of these terms and conditions.


    6. Copyright and Trade Marks

    6.1 All copyright and other intellectual property rights in any material (including, without limitation, text, photographs and other images and sound) contained in the Site is either owned by us or our third party content providers. You are only allowed to use the Site and the material contained in the Site as set out in these terms and conditions.

    6.2 The Site contains certain trade marks, All trade marks included on the Site are the property of Morningstar, or its content providers. You are not allowed to copy or otherwise use any of these trade marks in any way except as set out in these terms and conditions.


    7. Premium Service (on Morningstar.co.uk)

    In addition to the above, the following provisions shall apply to you if you have opted to subscribe to premium content/functionality on the Morningstar.co.uk website (collectively, the “Premium Service”).

    7.1 Subscription and Service

    You may not use any portion of the Premium Service without a valid subscription from Morningstar. To obtain a subscription, you must register for the Premium Service by completing the online registration form available on the Site. Your subscription will not be valid unless and until Morningstar accepts your registration. By registering for the Premium Service, you represent and warrant that all registration information that you provide is true, complete, and accurate, and you agree to notify Morningstar promptly of any changes to this registration information. This notification may be effected either by editing your user profile in the Membership area of the Site or by calling the number listed under "Customer Service and Product Support." on the Membership tab.

    You may be offered a free trial subscription to the Premium Service, beginning on the date on which Morningstar accepts your registration and you will be notified of the length of the trial subscription before you register for this service. If you don't terminate this subscription to the Premium Service during this trial period by notifying Morningstar on the telephone number provided to you at the time you register for the free trial subscription, the initial term of your regular paid Premium Service subscription will start immediately after the free trial period ends, and will continue for the length of time that you selected when you registered. If you have taken advantage of a free trial subscription for the Premium Membership in the past two years, you will not be eligible for a free trial and instead your credit card will be charged immediately for the Premium Service subscription fee associated with the term length you select when you register.

    You understand that, unless you notify Morningstar on the telephone number provided to you at the time that you register for the Premium Service, that you wish to terminate your Premium Service subscription before the end of your then-current subscription term, your subscription will continue to automatically renew for successive terms of the same duration and your credit card will be charged for each such renewal at the applicable subscription fee in effect at the time of that renewal. In those instances where you took advantage of a special or introductory offer to become a Premium Member, your subscription will automatically renew at Morningstar’s then-current subscription fee to the term specified in the offer and your credit card will be charged the subscription fee in effect at the time of that renewal. The term "subscription term" shall refer to the term of your subscription then in effect, regardless of whether it is the initial term or any renewal of that term.

    MORNINGSTAR RESERVES THE RIGHT TO CHANGE THE PREMIUM SERVICE AT ANY TIME WITHOUT NOTICE (INCLUDING BUT NOT LIMITED TO ADDING OR REMOVING FEATURES). IF YOU ARE DISSATISFIED WITH ANY SUCH CHANGES, OR IF YOU ARE OTHERWISE DISSATISFIED WITH THE PREMIUM SERVICE (INCLUDING BUT NOT LIMITED TO ITS PERFORMANCE OR AVAILABILITY), YOUR ONLY REMEDY WILL BE TO CANCEL YOUR SUBSCRIPTION, AS SET FORTH BELOW.

    Your subscription is personal to you, and you may not transfer or share your subscription with any other person (including but not limited to your co-workers) other than immediate family members living in the same household, provided that: (i) such family members have read and agree to be bound by the terms and conditions and these Premium User Provisions; (ii) your Premium Service subscription is not simultaneously used by more than one person at any given time; and (iii) you agree to be responsible for any use other than that described in (i) and (ii).

    7.2 Charges and Billing Practices

    If offered a free trial to the Premium Service, you will not be charged a subscription fee during that free trial period. Subscription Fees on credit-card transactions will be authorized immediately, but not actually processed until the trial period has expired. If you remain a subscriber to the Premium Service (a “Premium Member”) when your free trial period ends, you will be charged for the initial term of your Premium Service subscription and then, at the beginning of each renewal term, if any, you will be charged the then-current Premium Service subscription fee for the term length you selected. Subscription fees will be based upon the subscription rates in effect at the start of each subscription term and will apply whether or not you actually use the Premium Service during that term. You may always find the current retail subscription rates by reviewing the Member Benefits portion of the Site. Subscription fees are non-refundable, except as set forth below.

    We reserve the right to change the subscription or other fees it charges for products, services or features (collectively, "Products") offered in connection with the Premium Service and/or the Site at any time. These sorts of changes include, but are not limited to, adding fees for new/optional Products and/or modifying fees for existing Products. By using any of the Products with which there are associated fees, you agree to pay those fees and that Morningstar may charge your credit card for those fees. If you do not want to pay these associated fees, you must cancel your subscription, as set forth below.

    Subscription fees and all others fees and charges associated with your subscription (including, but not limited to, VAT) will be billed automatically to the credit card you provide ("your credit card") when registering for the Premium Service. If your credit card is a VISA or MasterCard and the number or expiration date for your credit card changes for any reason (for instance, you get a new number because your old card expired, was stolen, etc.), that updated information may be automatically passed on from your credit card issuer to Morningstar, and if Morningstar does receive such information, it will be treated by Morningstar as if it were originally furnished by you. To learn more about this service being provided by your credit card issuer, please contact them directly.

    You must promptly notify Morningstar (as set forth below) if any information related to your credit card changes or is no longer valid or of any other change to the information you provided Morningstar regarding your credit card (including, but not limited to, changes to your billing address or other pertinent contact information). Absent such notification, Morningstar will assume that all of the information related to your credit card remains valid and will submit to the card processor all information that it requires for approval, both when you initially subscribe and, if applicable, upon the commencement of any renewal of that subscription. If any subscription fees or other charges billed to your credit card are declined for any reason, Morningstar shall have the right to suspend your subscription until such subscription fees or other charges are paid in full. You agree to pay all reasonable costs (including attorneys' fees) actually incurred by Morningstar in collecting any unpaid subscription fees or other charges from you.

    7.3 Cancellation

    You may cancel your subscription by calling the telephone number listed below under "Customer Service and Product Support" to notify Morningstar. Morningstar will not process cancellations submitted via email.

    If you cancel your subscription during your free trial period, you will not be responsible for the payment of a subscription fee (but may, as set forth above, be responsible for printing fees associated with your exceeding the Printable Reports minimums). However, except as otherwise provided herein, if you subscribe on an annual or greater basis and you cancel your Premium Service subscription at any time after your trial period expires, your membership will terminate on that date. (For example, if your paid subscription start date is on January 1 and you cancel on June 15, your membership terminates on June 15, at which time it ends.) For persons that subscribe on an annual or greater basis, any remaining prepaid charges will be refunded, prorated on an annual basis, to your credit card after your membership is terminated. If you subscribe on a monthly basis and subsequently cancel your subscription during a month, your subscription will continue to the end of its monthly term and you will be entitled to continue to use the Premium Service until the time of termination.

    Morningstar may immediately cancel your subscription, without notice or liability, if it determines in its sole discretion that: (i) you have breached any portion of the terms and conditions or these Premium User Provisions; or (ii) your use of or access to the Premium Service or the Site violates any applicable law or regulation or otherwise inhibits any other subscriber from using or accessing the Premium Service or any other service offered by Morningstar on the Site. None of the foregoing limits any other legal, equitable, or contractual rights available to Morningstar.

    Morningstar may, in its sole discretion, choose not to renew your subscription by sending a notice of non-renewal at any time during your subscription term to the e-mail address you provided when completing your registration or to a new e-mail address where you have notified us of your change in e-mail address. You will be deemed to have received this notice, whether or not you saw it or the e-mail address most recently provided by you continues to be valid. In the event of such a notice, your subscription will cease and will not automatically renew at the end of your then-current subscription term.

    7.4 Customer Service and Product Support

    For customer service related to your Premium Service subscription (product, technical or subscription questions), please contact Morningstar via telephone (on working days, 9am-5pm London time) or using Morningstar’s online form. The link to the online form, as well as telephone number to use, are available on the ‘Contact Us’ page under the ‘Help’ section of the Site.



    8. Posting comments

    Users agree that, by posting comments on various articles and sections of the Site, you automatically grant, and represent and warrant that you have the right to grant, a non-exclusive, royalty-free, worldwide licence to display such comments on the Site and any other websites operated by Morningstar or our agents.


    9. Exclusions and limitations of liability

    9.1 We do not exclude or limit its liability for death or personal injury resulting from our negligence, fraud or any other liability which may not by applicable law be excluded or limited.

    9.2 Subject to clause 9.1, in no event shall Morningstar or its content providers (collectively, the “Morningstar Parties”) be liable (whether for breach of contract, negligence or for any other reason) for (i) any loss of profits, (ii) exemplary or special damages, (iii) loss of sales, (iv) loss of revenue, (v) loss of goodwill, (vi) loss of any software or data, (vii) loss of bargain, (viii) loss of opportunity, (ix) loss of use of computer equipment, software or data, (x) loss of or waste of management or other staff time, or (xi) for any indirect, consequential or special loss, however arising.

    9.3 Subject to clauses 9.1 and 9.2, the Morningstar Parties' liability to you whether in contract, tort or otherwise is limited to the greater of (i) £50 (fifty pounds) or (ii) the annual subscription fee for the Premium Service in the event that you are a subscriber to the Premium Service when the liability occurs.


    10. Disclaimer

    10.1 ALL INFORMATION CONTAINED ON THE SITE INCLUDING ANY INFORMATION PROVIDED UNDER THE PREMIUM SERVICE IS FOR GENERAL INFORMATIONAL USE ONLY AND MAY NOT BE RELIED UPON BY YOU FOR ANY PURPOSE, INCLUDING, WITHOUT LIMITATION, IN MAKING ANY INVESTMENT DECISION. THE SITE ONLY PROVIDES INFORMATION TO YOU AND DOES NOT PROVIDE INVESTMENT ADVICE AND NOTHING ON THE SITE SHOULD BE CONSTRUED AS BEING INVESTMENT ADVICE. BEFORE MAKING ANY INVESTMENT CHOICE YOU SHOULD ALWAYS CONSULT A FULLY QUALIFIED FINANCIAL ADVISER.

    10.2 ALTHOUGH WE USE REASONABLE EFFORTS TO ENSURE THAT INFORMATION ON THE SITE INCLUDING ANY INFORMATION PROVIDED UNDER THE PREMIUM SERVICE IS ACCURATE AND COMPLETE, WE DO NOT GUARANTEE THIS TO BE THE CASE. AS A RESULT, USE OF THE SITE IS AT YOUR SOLE RISK AND NEITHER MORNINGSTAR NOR ANY OTHER MORNINGSTAR PARTY CAN ACCEPT ANY LIABILITY FOR LOSS OR DAMAGE SUFFERED BY YOU ARISING FROM YOUR USE OF THE SITE OR ANY INFORMATION CONTAINED ON THE SITE. YOU SHOULD TAKE ADEQUATE STEPS TO VERIFY THE ACCURACY AND COMPLETENESS OF ANY INFORMATION CONTAINED ON THE SITE.

    10.3 Information contained on the Site including any information provided under the Premium Service is not tailored for your individual situation and, as a result, such information may be unsuitable for you and your investment decisions. You should consult a financial adviser before making any investment decision.

    10.4 The Site may include advertisements and links to external sites and co-branded pages in order to provide you with access to information and services which you may find useful or interesting. We do not endorse such sites or approve any content, information, goods or services provided by any of them. We are not responsibe or liable for any loss or damage suffered by you as a result of your use of such sites or any information appearing on them.

    10.5 We are not able to exercise control over the security or content of information passing over the Internet, and we hereby exclude all liability of any kind for the transmission or reception of infringing or unlawful information of whatever nature.

    10.6 We accept no liability for loss or damage suffered by you as a result of accessing Site content which contains any virus or which has been maliciously corrupted.


    11. Availability and updating of the Site

    11.1 We may suspend the operation of the Site at any time without notice. We do not warrant that access to or use of the Site or of any sites or pages linked to it will be uninterrupted or error free.

    11.2 We may change the format and content of the Site at its sole discretion at any time without notice. You should refresh your browser each time you visit the Site to ensure that you access the most up-to-date version of the Site and any information appearing on it.


    12. Enquiries or complaints

    If you have any enquiries or complaints about the Site then please address them (within 30 (thirty) days of such enquiry or complaint first arising) to:

    Holly Cook, Editorial & Product Manager, Morningstar UK
    1 Oliver's Yard, 55-71 City Road, London, EC1Y 1HQ United Kingdom

    email: UKEditorial@morningstar.com



    13. General and governing law

    13.1 These terms and conditions form the entire understanding of you and us with respect to the subject matter hereof and supersede all previous agreements, understandings and representations relating to that subject matter. If any provision of these terms and conditions is found to be unenforceable, that finding will not affect the validity of any other provision. You agree that we may sub-contract the performance of any of its obligations or may assign these terms and conditions or any of its rights or obligations without your consent or the need to give you notice.

    13.2 Morningstar will not be liable to you for any breach of these terms and conditions which arises because of any circumstances which Morningstar cannot reasonably be expected to control.

    13.3 These terms and conditions shall be governed and interpreted in accordance with English law, and you consent to the non-exclusive jurisdiction of the English courts.



    14. Principal trading address and company details

    Morningstar UK Ltd
    Registered in England No: 4031849

    1 Oliver’s Yard
    55-71 City Road
    London EC1Y 1HQ
    United Kingdom

    These terms and conditions were last updated on 26 March 2012.

     

     
    Please tick the box to indicate your consent with Morningstar's Privacy Policy.

    Privacy Policy

    The Privacy Policy was last updated on 9 July 2014.

    Your privacy is very important to us. At Morningstar, we want to make your experience with us satisfying and safe.

    This Privacy Policy sets out the terms on which Morningstar UK Limited collects, processes and handles personal data. Morningstar UK Limited processes personal data in accordance with the terms of this Privacy Policy. Morningstar UK Limited has a notification with the UK Information Commissioner’s Office.

    This Privacy Policy outlines the types of information we gather from your use of our products and services, how we use it, with whom we might share it, the means by which we keep it secure, and the choices you have about the information you choose to share with us.

    If you have any questions about the privacy practices of morningstar.co.uk or this Privacy Policy, please submit them using this form.

    PERSONAL INFORMATION WE COLLECT

    The types of personal information we collect depend on the product or service you ("You") receive from us. This information may include, but is not limited to:

    • Your Name, address, phone number, physical and e-mail address
    • Your Credit Card number
    • Your Account Information, including, but not limited to, account balances and the like
    • Demographic Information, such as your age, gender, income range, investment preferences, etc.
    • The name of your employing company, certain details about your employing company.

    As well as holding this personal data on servers in Europe, Morningstar exports personal data to be held on the servers of its parent company Morningstar, Inc. in the United States of America, your personal data being held there securely and subject to legal protection equivalent to that provided within the European Economic Area. Morningstar UK Limited is the data controller of your personal data and Morningstar, Inc. only acts as the data processor of your personal data. By using this website you consent to the export of your personal data outside the European Economic Area.

    PERSONAL INFORMATION WHY WE COLLECT IT

    Morningstar may collect, store and process certain personal information to provide you with investment information and tools, to allow you to use our products and services, to perform marketing and research related activities, to supply other administrative services (e.g., setting up new accounts), to respond to inquiries, etc. In addition we may from time to time review your usage of the site in order to assess how we can improve our products and services.

    PERSONAL INFORMATION HOW WE COLLECT IT

    The personal information we collect may be captured from a variety of sources. These sources include, but are not limited to:

    • Voluntary submissions (e.g., responses to surveys, requests for information on our products or those of our advertisers/marketing partners)
    • Registrations/applications to receive products or services
    • Reviews of site usage patterns

    USE AND ACCESS TO YOUR PERSONAL INFORMATION BY OTHERS

    As a general rule, we will not make the personal information gathered using our products and services available to anyone outside of the Morningstar group of companies -- except as instructed by you or where required by or permitted by law. Please note, however, that there are several exceptions to this policy. First, if we use third party service providers, these service providers may have access to your personal information to perform contractually specified services on our behalf. Secondly, if you indicate that you are interested in receiving information about a particular third party's products/services, or you opt to receive certain products or services through us, we may provide your personal information to that third party for purposes of fulfilling your request(s). With respect to service providers, Morningstar contractually requires that all personal information be kept confidential. Additionally, Morningstar take reasonable steps to ensure that third parties receiving information about you at your request maintain the confidentiality of that information.

    We may collect, store, and process your personal information so we can administer your subscription to our products and services. We may also use your personal information to send you information about other products and services offered by Morningstar.

    LINKS TO OTHER WEB SITES

    We may provide links to one or more other third party web-sites. We encourage you to read their individual privacy policies before providing any of your personal information to them.

    PROTECTION OF YOUR PERSONAL INFORMATION

    We put reasonable security measures in place to protect against unauthorised access to, or unauthorised alteration, disclosure or destruction of personal information. These measures include internal reviews of our data collection, storage and processing practices and security measures, as well as physical security measures to guard against unauthorised access to systems where we store personal data.

    We operate secure data networks protected by industry standard firewall and password protection systems. Our security and privacy policies are periodically reviewed and enhanced as necessary and only authorised individuals have access to the information provided.

    USE OF COOKIES

    A cookie is a small file which can be downloaded on a device when you access our website and is then sent back to our website each time you access our website. Cookies are useful because they allow us to recognise your device and your user preferences. We use cookies to set users' preferences, gather basic tracking information (such as login and password), date, time of visit and preferences, and monitor the presentation of our site. This information allows us to personalise the user experience and to improve the quality of our site navigation.

    We also use analytical cookies, which allow us to recognise and count the number of users on our website and to see how users move around the site when they are using it. This helps us improve the way the website works, for example by making sure users find easily what they need.

    Please note that advertisers on the Morningstar.co.uk website may also deploy cookies and web beacon technology to measure and improve the effectiveness of advertising for their clients. For more information regarding Advertisers Privacy Policies, they include but are not limited to the following:

    • http://www.adtech.com/privacy/
    • If you do not want cookies on your computer, you can remove them by changing your browser settings

    ACCURACY OF YOUR PERSONAL INFORMATION

    You are responsible for periodically checking to ensure that any personal information is updated and correct.

    HOW TO UPDATE OR REVIEW PERSONAL INFORMATION

    If you want to update any personal information, you may do so by accessing your personal account information on our website.

    WHAT ABOUT CHILDREN'S PRIVACY?

    Morningstar does not separately identify, or collect, any information that is specific to children.

    YOUR CONSENT

    By using our website, you consent to the collection and use of any personal information and any related information in the manner described in this Privacy Policy.

    CHANGES TO THE PRIVACY POLICY

    We reserve the right to change this policy at any time by distributing and/or posting a new privacy policy without notice. We encourage you to review our privacy policy on a regular basis so that you will be aware of any changes to it.

    If you have further questions about our privacy practices, please contact us using this form.