Legal Information

M&S Credit Card Terms and Conditions

M&S Credit Card Summary Box

Your guide to credit scoring

M&S Chargecard Terms and Conditions

M&S Chargecard Summary Box

Your guide to credit scoring

M&S Personal Loans Summary Box

If you use your loan to purchase a car, we recommend that you take care of the vehicle so that the value at the end of the loan period is greater than the deferred amount. We cannot guarantee your car’s value as this will depend on many factors, including mileage and condition. You will still have to pay the deferred amount, whatever the value of your car. Marks & Spencer Money cannot take responsibility for the car at the end of the loan period. It is your responsibility to arrange for its sale or trade in, or continue repayment, depending which option you choose.

M&S Car Buying Plan Summary Box

About Us - Important Information

The Financial Services Authority (FSA) is the independent watchdog that regulates financial services. It requires us to give you this information.

Whose products are offered?

Only M&S Home Insurance which is underwritten and administered by AXA Insurance UK plc.

What service is provided?

You will not receive any advice or recommendation about M&S Home Insurance. You will need to make your own choice about how to proceed.

What will you have to pay for this service?

You will not be charged a fee for arranging this insurance.

Who is the regulator?

AXA Insurance UK plc is authorised and regulated by the Financial Services Authority. AXA Insurance UK plc Registered in England No. 78950. Registered Office: 5 Old Broad Street, London, EC2N 1AD.

The FSA register number is 202312. The permitted business for AXA Insurance UK plc is to arrange and underwrite general Insurance products. You can check this on the FSA register by visiting the FSA’s website at www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

What to do if you have a complaint?

If you have a complaint, it should be addressed to the Customer Care helpline on 0800 121 4078.

Alternatively you may write to M&S Home Insurance, The Customer Care Department, 7th Floor, Civic Drive, Ipswich IP1 2AN or email: customercare@axa-insurance.co.uk

Please provide your policy number or claim number in any correspondence. If you are not satisfied you can approach The Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of the complaints process is available in the Policy Wording.

Financial Services Compensation Scheme (FSCS)

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you. This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available on the FSCS website www.fscs.org.uk or FSCS, 7th Floor, Lloyds Chambers, Portsoken Street, London, E1 8BN.

Get a quote for M&S Home Insurance

Important Documents

M&S Home Insurance Policy Booklet

M&S Home Insurance Policy Summary

About Us - Important Information

The Financial Services Authority (FSA) is the independent watchdog that regulates financial services. It requires us to give you this information.

Whose products do we offer?

Marks & Spencer Money are able to offer you information on Motor Insurance administered by BISL Limited. BISL Limited act as an insurance intermediary who provide insurance products from a range of insurers.

Customers can only apply for Marks & Spencer Car Insurance over the internet or by telephone.

When you take out Marks & Spencer Car Insurance over the internet, we are not able to give advice or make a recommendation to you.

If you take out Marks & Spencer Car Insurance by telephone, we will make a recommendation to you after assessing your insurance needs.

Who regulates us?

The Financial Services Authority (FSA) is the independent watchdog that regulates financial services, including insurance. Marks & Spencer Money is a trading name of Marks & Spencer Financial Services plc (Kings Meadow, Chester, CH99 9FB) who are authorised and regulated by the Financial Services Authority.

Our FSA Registration Number is 151427

BISL Limited, Pegasus House, Bakewell Road, Orton Southgate, Peterborough, PE2 6YS is authorised and regulated by the Financial services Authority (FSA), with FSA Registration number 308896. BISL Limited’s permitted business is arranging general insurance contracts.

You may check this information and obtain further information about how the FSA protects you by visiting the FSA website or by contacting the FSA on 0845 606 1234.

What to do if you have a complaint

If you wish to make a complaint, please contact us, by phone on 0870 0601 091, or in writing to Service Quality & Assessment Manager, Fusion House, Bretton Way, Peterborough, PE3 8BG.

For full details of our complaints handling process please see the section marked 'Our Service Commitment' in your main policy documentation.

We are a member of the Financial Ombudsman Service. If you have complained to us and we have been unable to resolve your complaint, you may then be entitled to refer if to this independent body.

Are we covered by the Financial Services Compensation Scheme (FSCS)?

Marks and Spencer Financial Services plc is a member of the Financial Services Compensation Scheme (FSCS). If we were unable to meet our obligations you may be entitled to compensation from the scheme, depending on the type of insurance and circumstances of the claim.

Prior to 1 January 2010, insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, with no upper limit. With effect from 1 January 2010, the compensation limit will change to 90% of the claim, with no upper limit. Further information about compensation scheme arrangements is available from the FSCS, 7th Floor, Lloyds Chambers, Portsoken Street, London E1 8BN or www.fscs.org.uk.

Get a quote for M&S Car Insurance

About Us - Important Information

The Financial Services Authority (FSA) is the independent watchdog that regulates financial services, including insurance. Use this information to decide if the services are right for you.

Whose products are offered?

Only M&S Travel Insurance which is underwritten and administered by AXA Insurance UK plc.

What service is provided?

You will not receive any advice or recommendation about M&S Travel Insurance. You will need to make your own choice about how to proceed.

What will you have to pay for this service?

You will not be charged a fee for arranging this insurance.

Who is the regulator?

AXA Insurance UK plc is authorised and regulated by the Financial Services Authority. AXA Insurance UK plc Registered in England No. 78950. Registered Offices: 5 Old Broad Street, London, EC2N 1AD.

The FSA register number is 202312.

The permitted business for AXA Insurance UK plc is to arrange and underwrite general insurance products. You can check this on the FSA register by visiting the FSA’s website at www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

What to do if you have a complaint

If you have a complaint, it should be addressed to the Customer Care helpline on 0800 068 3918. Alternatively you may write to AXA Insurance, The Customer Care Department, 7th Floor, Civic Drive, Ipswich, IP1 2AN or email: customercare@axa-insurance.co.uk

Please provide your policy number or claim number in any correspondence.

If you are not satisfied, you can approach The Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of the complaints process is available in the Policy Wording.

Financial Services Compensation Scheme (FSCS)

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you. This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available on the FSCS website www.fscs.org.uk or FSCS, 7th Floor, Lloyds Chambers, Portsoken Street, London, E1 8BN.

Important Documents

M&S Travel Insurance – Premier Cover Policy Booklet

M&S Travel Insurance – Standard Cover Policy Booklet

About Us - Important Information

The Financial Services Authority (FSA) is the independent watchdog that regulates financial services. It requires us to give you this information.

Whose products do we offer?

We are able to offer you information on M&S Pet Insurance which is underwritten and administered by Royal & Sun Alliance Insurance plc. Registered in England No 93792. Registered office: St Mark's Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised and regulated by the Financial Services Authority.

Which Service will we provide you with?

We are not able to give you advice or make any recommendation to you about M&S Pet Insurance.

Who regulates us?

The Financial Services Authority (FSA) is the independent watchdog that regulates financial services, including insurance. Marks & Spencer Money is a trading name of Marks and Spencer Financial Services plc, a wholly owned subsidiary of HSBC Bank plc. Registered office Kings Meadow, Chester, CH99 9FB. Registered No. 1772585.Authorised and regulated by the Financial Services Authority.

Our FSA Registration Number is 151427

Our permitted business includes arranging general insurance products

You may check this information and obtain further information about how the FSA protects you by visiting the FSA’s website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

What to do if you have a complaint

If you have a complaint you can contact us on 0800 980 8740. Alternatively you may write to us at M&S Pet Insurance, 35 Friday Street, Henley-on-Thames, Oxfordshire RG9 1RX. Fax: 01491 636234.

Full details of addresses and contact numbers can be found within the Policy Wording. Please provide your policy number or claim number in any correspondence.

We are a member of the Financial Ombudsman Service. If you have complained to us and we have been unable to resolve your complaint, you may then be entitled to refer if to the Financial Ombudsman Service.

Making a complaint will not prejudice your right to take legal proceedings.

Are we covered by the Financial Services Compensation Scheme (FSCS)?

Marks and Spencer Financial Services plc is a member of the Financial Services Compensation Scheme (FSCS). If we were unable to meet our obligations you may be entitled to compensation from the scheme, depending on the type of insurance and circumstances of the claim.

Prior to 1 January 2010, insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, with no upper limit. With effect from 1 January 2010, the compensation limit will change to 90% of the claim, with no upper limit. Further information about compensation scheme arrangements is available from the FSCS, 7th Floor, Lloyds Chambers, Portsoken Street, London E1 8BN or www.fscs.org.uk.

Get a quote for M&S Pet Insurance

Important Documents

M&S Pet Insurance Policy Booklet

M&S Pet Insurance Policy Summary

About Us - Important Information

The Financial Services Authority (FSA) is the independent watchdog that regulates financial services. It requires us to give you this information.

Whose products do we offer?

Marks & Spencer Money are able to offer you Wedding Insurance under an exclusive arrangement with Ecclesiastical Insurance Group.

Which service will we provide you with?

If you apply via the internet you will not receive advice on whether this cover is suitable for your needs. If you apply via the telephone we may provide advice and make recommendations based on your demands and needs.

Who regulates us?

The Financial Services Authority (FSA) is the independent watchdog that regulates financial services, including insurance. Marks & Spencer Money is a trading name of Marks and Spencer Financial Services plc (Kings Meadow, Chester, CH99 9FB) who are authorised and regulated by the FSA. Registration Number 151427.

You may check this information and obtain further information about how the FSA protects you by visiting the FSA’s website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

What to do if you have a complaint

We hope that you will be very happy with the service we provide. However, if for any reason you are unhappy with this, we would like to hear from you. If you have a complaint it should be addressed to:
Compliance Officer
Ecclesiastical Insurance Group
Beaufort House
Brunswick Road
Gloucester
GL1 1JZ
Tel 01452 528533

Please provide your policy number or claim number in any correspondence. We are a member of the Financial Ombudsman Service. If you have complained to us and we have been unable to resolve your complaint, you may then be entitled to refer it to this independent body.

Are we covered by the Financial Services Compensation Scheme (FSCS)?

Marks and Spencer Financial Services plc and Ecclesiastical Insurance Group are members of the Financial Services Compensation Scheme (FSCS). If we were unable to meet our obligations you may be entitled to compensation from the scheme, depending on the type of insurance and circumstances of the claim.

Prior to 1 January 2010, insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, with no upper limit. With effect from 1 January 2010, the compensation limit will change to 90% of the claim, with no upper limit. Further information about compensation scheme arrangements is available from the FSCS, 7th Floor, Lloyds Chambers, Portsoken Street, London E1 8BN or www.fscs.org.uk.

Apply for M&S Wedding Insurance

Important Documents

M&S Wedding Insurance Policy Booklet

About Us - Important Information

The Financial Services Authority (FSA) is the independent watchdog that regulates financial services. It requires us to give you this information.

Whose products do we offer?

We offer the Marks & Spencer Life Cover and Marks & Spencer Mortgage Life Cover policy which is provided by HSBC Life (UK) Limited, a wholly owned subsidiary of HSBC Bank plc.

HSBC Life (UK) Limited is authorised and regulated by the Financial Services Authority under registration number 133435. These details may be checked on the FSA’s register by visiting the FSA website http://www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234. HSBC Life (UK) Limited is a member of the Association of British Insurers and its; main business is writing life policies.

HSBC Life (UK) Limited deal with the servicing of this policy which means any post-sale communication will be directly with them and not Marks & Spencer Money.

Which service will we provide you with?

You will need to make your own choice when deciding to proceed with this policy. You will not receive advice or a recommendation from us.

Who regulates us?

Marks & Spencer Money is a trading name of Marks and Spencer Financial Services plc, Kings Meadow, Chester CH99 9FB who are authorised and regulated by the Financial Services Authority (FSA). Our FSA Register number is No. 151427. Our permitted business includes advising on and arranging insurance products. You can check this on the FSA’s Register by visiting the FSA’s website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

What to do if you have a complaint

If you are unhappy with the sale of this cover, you can contact us by phone on 0800 058 2140. If you remain unhappy, you may be able to refer to the Financial Ombudsman Service. Making a complaint will not prejudice your right to take legal proceedings.

Are we covered by the Financial Services Compensation Scheme (FSCS)?

Marks and Spencer Financial Services plc is a member of the Financial Services Compensation Scheme (FSCS). If we were unable to meet our obligations you may be entitled to compensation from the scheme, depending on the type of insurance and circumstances of the claim.

Prior to 1 January 2010, insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, with no upper limit. With effect from 1 January 2010, the compensation limit will change to 90% of the claim, with no upper limit. Further information about compensation scheme arrangements is available from the FSCS, 7th Floor, Lloyds Chambers, Portsoken Street, London E1 8BN or www.fscs.org.uk.

Get a quote for M&S Life Insurance

Important Documents

M&S Life Insurance Policy Document

Important documents

M&S Cash ISA Summary Box

M&S Cash ISA Terms and Conditions

M&S Cash ISA Key Features

M&S Fixed Rate Savings Issue 9 (Cash ISA) Terms and Conditions

M&S Fixed Rate Savings Issue 9 Terms and Conditions

M&S Fixed Rate Savings Summary Box

M&S Everyday Savings Account Terms and Conditions

M&S Everyday Savings Account Summary Box

We subscribe to the following codes of conduct and guidance:

The Code of Conduct for the Advertising of Interest Bearing Accounts

Cash ISA Transfer Guidelines

Marks & Spencer Money and Your M&S are trading names of Marks and Spencer Unit Trust Management Limited. Registered in England No: 2253009. Registered Office: Kings Meadow, Chester CH99 9FB. Authorised and regulated by the Financial Services Authority. A wholly owned subsidiary of HSBC Bank plc. Marks & Spencer, M&S Money and Your M&S are registered trademarks of Marks and Spencer plc and used under licence. © Marks and Spencer Unit Trust Management Limited 2009. All Rights Reserved.Marks and Spencer Unit Trust Management Limited is entered in the FSA register. FSA registration no. 141662.

As with any investment where the underlying investments are shares and bonds, the price of units and the income from them can go down as well as up, and you may get back less than the amount originally invested. Investment in the Fund should be considered a medium to long term investment (5 years or more).

Past performance is no guarantee of future performance.

The performance of the Fund will depend on the investments selected by the fund advisers.

If you apply to invest in the Fund following investment advice, you will have the right to cancel your application. If you exercise the right to cancel, the amount returned may be less than the amount you invested if there has been a downward movement in the stock market from the date of investment to the date your instruction to cancel was received.

Inflation will reduce what you could buy in the future.

The regulatory and taxation regime under which the Fund operates may change in the future.

Worldwide Managed Fund

The fund invests in bonds and shares. Share and bond prices go up or down, meaning you may get back less than you invested.

As part of the Fund is invested overseas the value of your investment may be affected by changes in currency exchange rates.

Changes in interest rates may affect the value of the bonds held in the Fund. If interest rates go up, the value of bonds may fall. If interest rates go down, the value of bonds may rise.

A small part of the Fund may invest in emerging markets. This may involve greater risk in buying and selling investments, settlement arrangements and the safekeeping of the investments held.

UK Selection Portfolio

The fund invests in bonds and shares. Share and bond prices go up or down, meaning you may get back less than you invested.

The Fund will hold investments in smaller companies where the share prices can change significantly, and the shares can be difficult to buy and sell.

As the Fund may invest in bonds, changes in interest rates may affect the value of any bonds held in the Fund.

If interest rates go up, the value of bonds may fall. If interest rates go down, the value of bonds may rise.

UK100 Companies Fund

The Fund invests in shares. Share prices go up or down, meaning you may get back less than you invested.

Although your investment is spread across the 100 companies that make up the FTSE® 100 Index, some companies and/or sectors can grow so large that they make up a large percentage of the index which increases risk.

The Fund will not track the FTSE® 100 Index exactly. In other words there will be a difference between the performance of the Fund and the FTSE® 100 Index.

High Income Fund

The fund invests in bonds. Bond prices go up or down, meaning you may get back less than you invested.

Changes in interest rates may affect the value of the bonds held in the Fund. If interest rates go up, the value of bonds may fall. If interest rates go down, the value of bonds may rise.

As part of the Fund is invested overseas the value of your investment may be affected by changes in currency exchange rates.

Part of the Fund may invest in emerging markets. This may involve greater risk in buying and selling investments, settlement arrangements and the safekeeping of the investments held.

The annual management charge is deducted from capital. This may reduce the potential for growth and there may be times when the charge is greater than the growth of the Fund.

Ethical Fund

The fund invests in shares. Share prices go up or down, meaning you may get back less than you invested.

The Fund only invests in companies that meet its ethical standards. This limits the number of companies that the fund will invest in and therefore may reduce growth.

As part of the Fund may be invested overseas the value of your investment may be affected by changes in currency exchange rates.

As the Fund may invest in bonds, changes in interest rates may affect the value of any bonds held in the Fund. If interest rates go up, the value of bonds may fall. If interest rates go down, the value of bonds may rise.

A small part of the Fund may invest in emerging markets. This may involve greater risk in buying and selling investments, settlement arrangements and the safekeeping of the investments held.

Important documents

Stocks and Shares ISA Terms and Conditions

Ethical Fund Prospectus

Ethical Fund Simplified Prospectus

High Income Fund Prospectus

High Income Fund Simplified Prospectus

Worldwide Managed Fund Prospectus

Worldwide Managed Fund Simplified Prospectus

UK 100 Companies Fund Prospectus

UK 100 Companies Fund Simplified Prospectus

UK Selection Portfolio Prospectus

UK Selection Portfolio Simplified Prospectus

Stocks and Shares ISA Information

Important Information for Investors

Acknowledgements

FTSE® is a trademark of the London Stock Exchange plc and The Financial Times Limited and is used by FTSE® International Limited (FTSE®) under licence. The FTSE® indices are calculated by FTSE® and all rights in and to these indices vest in FTSE® and its licensors. FTSE® does not sponsor, endorse or promote our products.