Terms and Conditions

Whenever you access www.mh-europeinvestment.co.uk, you accept that these Conditions apply to your use of www.mh-europeinvestment.co.uk and to all matters arising from your use of www.mh-europeinvestment.co.uk. MH Europe Investments (UK) Ltd and MH Europe Investments Wealth Management, collectively trading as MH Europe Investments (MH Europe), (we or us) may change these Conditions at any time and without prior notice. You agree to be bound by the Conditions pertaining at the time you access the site.

Entry restrictions

The information on www.europeinvestment.co.uk is intended solely for the use of people who are UK residents for tax and investment purposes. It is not for distribution in any other jurisdiction.

General provisions

This website is not, and should not be construed as an offer, or the solicitation of any offer, or general or definitive advice to buy or sell any investment. The information on this website does not constitute investment advice under the Financial Services and Markets Act (FSMA). If you have any doubt about whether any of our services are suitable for you, you are strongly advised to consult your financial adviser, or see “What if I don’t have a Financial Adviser?”

The views expressed on this website are based on information which we believe to be reliable but are not guaranteed as to accuracy or completeness by MH Europe and any expressions of opinion are subject to change without notice.

Use of the information on this website by any party for any purpose whatsoever shall be entirely at such party’s risk. We accept no liability whatsoever for such use and no claims for loss or damage arising from reliance on the information by any party shall be entertained. We will not be liable to you for any disruption in the service because of something we cannot reasonably control (eg a systems failure).

A failure or delay by either party to enforce any right under these Conditions is not an implied waiver of that right or of any other right in the future. If any provision in these Conditions is held or made invalid by a court statute or rule or otherwise, the remainder of these Conditions will not be affected. These Conditions are subject to English Law and other applicable Laws and rules and all parties shall submit to the exclusive jurisdiction of the English Courts. In the event of a conflict between these Conditions and any other such laws and rules the latter will prevail. Nothing in these Conditions is intended to affect your rights under the Financial Services and Markets Act.

Links to other websites

Our website may contain links to enable you to visit other websites of interest easily. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.

Online valuation service

As well as general information about MH Europe and our investment services, www.mh-europeinvestment.co.uk includes an online valuation service to allow clients and their professional advisers to check the current value of their investments with MH Europe. This service does not replace the hard copy periodic report which is sent to clients at regular intervals.

In addition, professional advisers who use 1st Software’s ‘Adviser Office’ administration system are able to access the valuation data in MH Europe’s on-line valuation service directly from Adviser Office.

Valuations for the online valuation service are as at the close of business on the previous business day (or once a month, in the case of certain corporate bonds) and are calculated on the following basis:

UK quoted securities are valued at the mid-market price or last traded price on the relevant stock exchange as obtained from FT Interactive Data;
Unit trusts and OEICs are valued at the mid price;
Unquoted securities are valued at prices obtained from accredited sources. Sources supplied on request;
Overseas quoted securities are valued at the mid market price or last traded price in the local currency on the relevant stock exchange as obtained from accredited sources. Sources supplied on request. Exchange rates are closing mid-point spot rates as quoted in the Financial Times.
Online valuations will not include a measure of performance.
The online valuation service is based on sources of information believed to be reliable in all material respects at the date of publication and is published in good faith. However, no guarantee is given as to the accuracy or completeness of the content. In particular, no guarantee can be given in respect of the prices which are used to up-date the valuations on a daily basis, as these are provided by external sources. In respect of certain third party accounts (eg Lloyds and certain pension providers), we are reliant on the third party to pass us their valuations so that we can mirror the transactions. In some cases, these may only be provided to us on a quarterly basis.

No action should be taken solely based on the prices or valuations shown on our online valuation service, which are given only as an indication of the true current value. This is particularly important for intra-day valuations where the price shown is not updated during the day.

Risk factors

Investing involves risk and the value of investments and the income from them may fall as well as rise and is not guaranteed. Investors may not get back the original amount invested. Past performance should not be seen as an indication of future performance.

Additional risk factors can apply when investing and these are described at the Important Information page to which reference should be made.