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Terms and Conditions of Use of this Website

Monitoring of risks associated with investment of funds

Legal information

All information on this website is approved for publication by Sumitomo Mitsui Trust Asset Management Co., Ltd. This website is owned and operated by Sumitomo Mitsui Trust Asset Management Co., Ltd. which is registered in Japan. Sumitomo Mitsui Trust Asset Management Co., Ltd. is authorised and regulated by the Financial Services Agency of Japan and registered under Kanto Local Finance Bureau (FIBO) No.347.

The terms and conditions of this website (the "Terms") will govern your use of this website at, which is owned and operated by Sumitomo Mitsui Trust Asset Management Co., Ltd. ("SMTAM", "we", "us" or "our") By continuing to access and use the website, you are deemed to have understood and agreed to the Terms. Please read them carefully and confirm that you agree to the Terms of this website. The website is primarily directed towards and intended for institutional investors in Europe, Middle East and Asia.

This website may however be accessed by citizens or residents of or located in any country or jurisdiction provided that the Terms are complied with. All persons must satisfy themselves that they are not subject to any local requirements which would restrict or prohibit them from accessing this website. SMTAM does not give any assurance that the website complies with the regulatory requirements in other jurisdictions.

In any event, this website is not intended for persons resident in the United States of America.

Information purpose only

Use of all information, text, data, databases, charts, tables, tools, press releases, software, graphics, names, logos, trademarks, service marks and other material on the website (the "content"), and your subsequent use of it, may from time to time be subject to certain statutory or other external regulation conditions and restrictions. Use of all information by you must comply with such regulations, conditions or restrictions.

The content provided may include reference to specific investments but none of the content provided is intended to constitute, and nor shall it be regarded as constituting, an offer to sell or the solicitation to buy any investments or services or any advice or recommendation with respect to such investments that may be referenced on or through this website. The content does not purport to provide, nor does it constitute investment, legal, tax or other advice. No comment or observation is given by SMTAM in connection with any of the investments or services discussed on, or accessible through, this website. You acknowledge that the provision of any content through this website shall not constitute or be considered investment advice.

This content does not constitute an offer or invitation to anyone in any jurisdiction to invest in any of our products, or use any of our services where such offer or invitation is not lawful or in which the person making such offer or invitation is not qualified to do so, or to anyone to whom it is unlawful to make such offer or invitation and has not been prepared in connection with any such offer or invitation.

Investment information

Past performance of an investment is not a guide to future returns. The value of investments can fall as well as rise. As a result an investor may not receive back the amount invested.

Investments which take place in currencies other than the investor's own currency will be subject to movements in foreign exchange rates.

The tax position or proposed tax position prevailing at the time of an investment may subsequently change.

Accuracy of information

The website and content on it is provided "as is" and on an "as available" basis.

Unless otherwise specified, SMTAM is the source of all information. SMTAM does not guarantee the accuracy, timeliness, completeness, performance or fitness for a particular purpose of the website or any of the information.

SMTAM uses all reasonable skill and care in compiling the information. However errors or omissions in the content may occur because of a number of factors which are inherent in any internet access system and are not within SMTAM's reasonable control. Also, this service is accurate only on the date that such information is supplied by SMTAM via its internet service. SMTAM endeavours to ensure that all the information provided on the website is correct as at the date of its publication but no responsibility is accepted.

Whilst we have taken reasonable steps to ensure the accuracy, correctness and completeness of the information provided, we do not give or make any warranty or representation of any kind and all implied warranties are excluded from the Terms to the extent that they may be excluded as a matter of law.

SMTAM is not obligated to update, or to continue to offer information accessible through this website.

Based on the above, SMTAM accepts no liability for the results of any action taken on the basis of the content contained on this website. Further, we do not warrant that the website will be uninterrupted or error free or that any defects will be corrected. We will not be liable for any loss or any damage arising out of or in connection with access or use of the website except that nothing herein excludes or limits any liability for losses which may not be lawfully excluded or limited by applicable law.

Third party information

Through this website, you may have access to information which SMTAM obtains from third parties who are independent of SMTAM. Even though the sources of the information are believed to be reliable by SMTAM, SMTAM is not responsible for, and makes no warranty with respect to, the contents, accuracy, completeness, timeliness, suitability, or reliability of the third party content within such information.

Use of content

The content and all rights in it belong to us or have been duly licensed to us.

You may not copy, reproduce, duplicate, adopt or lend, sell, disseminate or otherwise transfer, in whole or in part, any of the content, except for the purpose of accessing the site.

Solely for the purposes of informing yourself about SMTAM and its services, you may retrieve, display on a computer screen, copy, print, make photocopies of printed material, store in electronic form or on disk, download and republish content.

You may not adapt, alter, modify, add content, create derivative works or otherwise change parts of the content.

Intellectual property rights

All copyright, trademarks, database rights and other intellectual property rights that may exist in this website and the content shall remain at all time our intellectual property. Except as expressly permitted by these Terms, nothing in this website shall be construed as granting, by implication or otherwise, any licence or right to use the content without our prior written permission. If you become aware of anything which appears to infringe these Terms, you agree to contact us promptly.


Access to, and use of, this website is at your own risk. In no event will SMTAM be liable for any loss, damages or expenses which may be suffered or incurred by you (or your clients) which are caused directly or indirectly by accessing this website including, but not limited to, loss, damages or expenses caused by any failure, delayed or defective operation or unavailability of any pages of this website or any computer virus arising in connection with this website.

You will indemnify SMTAM (including its affiliated or associated companies) and their officers, directors, employees and agents in respect of any third-party claim for any injury, loss, damage or expense occasioned by or arising directly or indirectly from the operation, use or supply of information to a third party provided in breach of any of your obligations under these Terms.

Unlawful use

You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of or restrict or inhibit the use and enjoyment of the website by any third party.

Computer viruses, worms and Trojan horses

We do not warrant that the website is free from computer viruses, worms, and Trojan horses and we accept no liability whatsoever for damage that may result from the transmission of any computer viruses, worms, or Trojan horses via the website.

Linking and framing

The website may contain hyperlinks to websites owned and operated by third parties. We do not accept any responsibility for the content of third party websites or web pages, nor do we accept responsibility for any losses or penalties incurred as a result of your use of any links or reliance on the content of any website to which the website is linked.

Creating links to our website is freely permitted so long as this is done in a manner that is not misleading and does not imply endorsement by or affiliation with SMTAM. You are prohibited from framing this website.

File download

Certain files of content may be available for download from the website. These files of content are subject to these Terms.

SMTAM has discretion to change content within the website, or the Terms and Conditions, and to withdraw access to the site

We reserve the right, at our discretion, to make changes to the contents of this website or these Terms at any time without notice to users. You must check these Terms periodically for changes. Any changes, modifications, or additions to, or deletions from these Terms shall be effective upon posting on this website. If you access this Website after we post changes to the Terms, you accept the Terms as changed.

We also reserve the right to grant or evoke the authority to use this website at our absolute discretion.

Your use of the products and services on this website may be monitored by SMTAM, and the resultant information may be used by SMTAM for its internal business purposes and/or in accordance with applicable laws and regulations.

Notes Concerning Investment Trusts

The term, "investment trusts", used in this website means any fund products regulated under the Law Concerning Investment Trusts and Investment Companies of Japan. No such investment trusts shall be offered or sold to any person in any jurisdiction in which such offer or solicitation would be unlawful under the securities regulation of such jurisdictions.

Investment trusts invest in securities and other instruments such as shares and public corporation bonds whose prices are subject to change (when investments are made in assets denominated in foreign currencies, there are also risks associated with changes in currency exchange rates), and therefore, net asset values are subject to change. Consequently, unlike deposits with financial institutions, investment principals are not guaranteed.

Gains and losses resulting from investment in an investment trust shall be imputed to the customers who purchased the investment trust.

Investment trusts are not subject to deposit insurance.

Unlike amounts guaranteed under deposit insurance, funds received from investment in investment trusts are not guaranteed.

Investment trusts are not insurance and are not subject to the Non-life Insurance Policy-holders Protection Corporation of Japan.

Unlike securities companies, registered financial institutions are not members of the Japan Investor Protection Fund.

When making investments, be sure to read the investment trust prospectus provided to you.

Recommended Environment

We recommend that this website be viewed by Internet Explorer 11.0 or above or by the latest version of Chrome or Safari if viewing the smartphone site. Please be reminded that some content may not be displayed correctly if you are viewing this website in any other environment or, even in a recommended environment, depending on your browser settings.

This website uses JavaScript to control the display. If JavaScript is disabled in your browser settings, this website may not work properly. Please enable JavaScript when viewing this website.

You need Adobe Reader to view PDF files. If Adobe Reader is not installed on your terminal, please download and install it from the Adobe website and use it.

Governing Law

These Terms are governed by and interpreted in accordance with the laws of Japan.

Contacting us about this Website

If you have any queries concerning this website or the Information contained on this website, please contact Sumitomo Mitsui Trust Asset Management Co., Ltd. on +81-(0)3-6737-0500. Calls may be monitored or recorded to maintain and improve services.