Ross works with DB pension schemes ranging in size from £50m to £5bn.
He is also a member of our Investment Strategy Committee, responsible for developing our house approach to strategic advice for DB clients.
He is a qualified actuary and holds a degree in Mathematics from the University of Warwick.
IT IS IMPORTANT THAT YOU READ THIS PAGE
The information on this page sets out the terms and conditions (the “Terms and Conditions”) that govern your use of and access to this website www.riverandmercantile.com (Website). Access to the Website is offered subject to your acceptance of these Terms and Conditions in their entirety and by using the Website you confirm that you accept and agree to be bound by these Terms and Conditions.
Please click “ACCEPT AND CLOSE” at the bottom of this page to confirm you have read, understood and accept these Terms and Conditions.
The Website is operated by River and Mercantile Group PLC on behalf of itself and its subsidiaries (collectively, River and Mercantile or we/us/our).
Company and contact information
River and Mercantile Group PLC is registered in England and Wales with Company Number 04035248 and has its registered office is at 30 Coleman Street, London, EC2R 5AL.
River and Mercantile Group PLC has three operating subsidiaries:
If you have any enquiries in relation to this Website or the information on it, please contact us by email at [email protected].
The Website and the nature of its information
Certain parts of the Website may contain financial promotions. Where financial promotions are included you may assume that they have been approved as such in accordance with applicable FCA rules. However, they may not have been approved as being appropriate for all persons in all jurisdictions.
The Website and the information contained on it are provided for general information purposes only and do not constitute advice of any kind on which you should rely, or a recommendation to buy or sell any product, service or investments. Products or services mentioned on this Website are subject to their own terms and legal and regulatory requirements and may not be available or appropriate for persons in all jurisdictions. The products and services are not available to persons in any jurisdiction where River and Mercantile is not registered or authorised to engage in any investment business or activity requiring registration or authorisation. If you choose to access information on this Website it is your responsibility to comply with applicable local, national or international laws. In particular, this Website and its contents are not directed at any person that is resident in the United States of America ("US person") and no offer or invitation is made to any US person to acquire or sell any product, service or security referred to. The provision of any information in this Website does not constitute an offer to US persons to purchase securities.
Nothing on this Website should be construed as financial, investment, tax, legal or other advice.
The Website contains information for both individual and private investors as well as professional investors and financial intermediaries. Certain parts of this Website and its contents may not be distributed to, entered by or relied upon by individual or private investors. Neither the Website nor any of its contents takes into account your personal objectives, financial situation or needs, or the suitability of any content for you. You should consult your own professional investment, tax and/or legal advisors in order to understand the consequences of any investment in the products and services described on this Website and the suitability of the products or services to your particular financial circumstances.
River and Mercantile has expressed its own views and opinions on the Website and these may change without notice.
Investment performance and risk warnings
Past performance is not a reliable indicator of future performance. The value of investments and the income from them can go down as well as up and investors may not get back the amount originally invested and may lose all of any investment made. In the case of financial derivatives, losses may be substantial and may exceed the amount invested. Exchange rate changes may cause the value of overseas investments to rise or fall. Certain investments involve an above-average degree of risk and should be seen as speculative and/or long-term in nature.
River and Mercantile and its staff may hold positions in investments described on the Website.
You should consult a professional adviser on your particular financial circumstances before taking, or refraining from taking, any action on the basis of the content of the Website, and you should not rely on the material on this Website.
Any investment involves substantial risks. For certain funds, further information about the types of risks associated with investment in the funds referred to on this Website can be found in the prospectus and KIID documents for each fund. These documents also contain risk warnings which are specific to relevant fund, you should consider these carefully before taking any decision to invest.
Viruses and security
We do not guarantee that our Website will be secure or free from bugs or viruses. 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.
You must not misuse our Website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Website, the server on which our Website is stored, or any server, computer or database connected to our Website. You must not use our Website to send or transmit, whether directly or indirectly, unsolicited or unauthorised advertising or promotional material.
Data protection and privacy
When you use the site we may collect, use and are responsible for certain personal information about you. When collecting and using your personal data, we are regulated under the General Data Protection Regulation (applicable across the European Union) and Data Protection Act 2018 (applicable in the UK). We are responsible as “controller” of that personal information for the purposes of those laws and any subsequent, corresponding, or equivalent national laws. Full details on how we collect and use your data is set in our Privacy policy and Cookie policy both of which form part of these Terms and Conditions.
Complaints handling procedures
Information about our complaints handling procedures can be found on the Website and is available on request.
Agree to be bound
If you do not agree to be bound by these Terms and Conditions, please cease accessing and using this Website immediately. We reserve the right to change, modify, add or remove any portion of these Terms and Conditions in whole or in part, at any time, without notice and your continued use of the Website will be considered acceptance of any such changes. We recommend you review the current Terms and Conditions from time to time.
Copyright and intellectual property
This Website is copyrighted and protected by copyright laws. You agree to comply with all copyright laws in your use of this Website and to prevent any unauthorised copying of the materials. Except as expressly provided herein, we do not grant any express or implied intellectual property rights to you. You may not modify or copy the layout of this Website or any computer software and code contained in the Website. You agree to abide by all additional restrictions displayed on the Website as it may be updated from time to time.
Copyright on all materials belongs to River and Mercantile and does not pass to you if you download the materials. You must retain any copyright or other proprietary notices contained in any of the materials you download from this Website. You must not alter the materials in any way or reproduce or otherwise use them for any public or commercial purpose. You must not transfer, transmit or distribute the materials to any other person.
Access to this Website
We do not guarantee that our Website, or any content on it, will always be available or will be uninterrupted. Access to our Website is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our Website without notice. We will not be liable to you if for any reason our Website is unavailable at any time or for any period.
Changes to this Website
We may in our absolute discretion, at any time, terminate, change, suspend or discontinue any aspect of the Website, including the availability of any features of the Website. River and Mercantile may also impose limits on certain features and services or restrict your access to parts of or the entire Website without notice or liability. Please note that any of the content on our Website may be out of date at any given time and we are under no obligation to update it.
Third party websites
We may provide links to other websites owned and operated by other companies or individuals. These websites are provided as a convenience to you only and do not constitute an endorsement of those websites or the information contained therein. We are not responsible for the material contained on those linked websites and they may have their own terms and conditions of use.
If you use these websites, you do so at your own risk, it is your responsibility to take all protective measures to guard against viruses or other destructive elements.
Third party products
Certain products and services referenced on this Website may be provided or governed by third parties. River and Mercantile is not responsible for these products or services and does not necessarily endorse any views or actions taken by relevant third parties. You should exercise your own judgment and seek independent professional advice before taking up any product or service offered by any party. River and Mercantile does not accept liability for any loss or damage incurred by you in taking up or relying on any product or service offered by a third party on this Website.
Law and Jurisdiction
The material on this Website has been prepared for persons resident in the United Kingdom and we make no representation that it is appropriate or available for use at other locations outside of the United Kingdom. If you access this Website from locations outside of the United Kingdom you do so on your own initiative and at your own risk, and you are solely responsible for compliance with local laws, if and to the extent local laws are applicable. The Terms and Conditions are governed by the laws of England and Wales. You agree to the jurisdiction of the courts of England to determine any dispute arising out of these Terms and Conditions.
The Term and Conditions constitute the entire terms of access between us and you with respect to your use of the Website. Any cause of action you may have with respect to your use of the Website must be commenced within the period provided by any applicable statutory limitation period. If for any reason a court of competent jurisdiction finds any provision of the Terms and Conditions, or portion thereof, to be unenforceable, such provision(s) shall be enforced to the maximum extent permissible so as to give effect to the intent of these Terms and Conditions and the remainder of these Term and Conditions shall continue in full force and effect.
Waiver
If River and Mercantile fails at any time to insist upon strict performance of any of your obligations under these Terms and Conditions, or if River and Mercantile fails to exercise any of its rights or remedies to which it is entitled under these Terms and Conditions, it shall not constitute a waiver of such rights or remedies and shall not relieve you from compliance with such obligations.
Entire Agreement
These Terms and Conditions set out the whole agreement between you and River and Mercantile in relation to your use of and access to the Website. All users of the Website acknowledge that in agreeing to these Terms and Conditions they do so freely and without reliance upon any representations or promise undertaking, warranty or other statement (whether written or oral) of any nature whatsoever except as may be expressly provided in these Terms and Conditions.
Disclaimer and liability
It is your responsibility to consider legal and regulatory positions in relevant jurisdictions and to ensure that your use of and access to this Website and any content on it does not contravene any such restrictions or applicable laws and regulations of any jurisdiction. Please seek the advice of professionals, as appropriate, regarding your use of the Website or its content.
The Website is provided "as is" and “as available” and no representations, guarantees or warranties are given with respect to it or any content on it. River and Mercantile does not represent or warrant that the information accessible from or via the Website is accurate, complete or up to date. You acknowledge that you are responsible for assessing the accuracy and completeness of the Website and its content, reliance on any opinion, advice, statement, memorandum or information shall be at your own risk.
To the fullest extent permitted by law, River and Mercantile excludes all conditions, warranties, representations or other terms which may apply to the Website or any content on it, whether express or implied.
River and Mercantile, its subsidiaries, associated entities, directors, partners, employees, representatives or suppliers will not be liable, on any grounds whatsoever, whether in contract, tort (including without limitation negligence), misrepresentation, restitution, under statute or otherwise. Liability is excluded for any loss or damage, including without limitation loss of profits, loss of income, loss of anticipated savings, loss of revenues, loss of data, loss of goodwill or loss of contracts or business (in each case whether direct or indirect) or for any indirect, economic, consequential or special loss resulting from whatever cause and in connection with (i) your use of, or inability to use, or the results of your use of the Website; (ii) your use of or reliance on the Website or your use of, or reliance on any of its content; (iii) any website linked to the Website or the material in such websites; and (iv) any failure or performance error, omission, interruption, defect, delay in operation or transmission, system failure, unavailability or suspension of the Website, virus, distributed denial-of-service attack or other technologically harmful material that may infect your computer equipment, software, data or other proprietary material on account of your use of the Website or your downloading of any material from the Website or any websites linked to the Website.
This does not exclude or restrict any duty or liability that River and Mercantile has to its clients under the Financial Services and Markets Act 2000 or any other regulatory system under the laws of applicable jurisdictions.
Nothing in these Terms and Conditions shall exclude or limit River and Mercantile's liability for (i) death or personal injury arising from its negligence, (ii) fraud or fraudulent misrepresentation; or (iii) for any other liability to the extent that such liability cannot be limited and/or excluded by applicable law.
This Website contains information for individual investors as well as professional investors. Certain parts of this Website and its contents may not be distributed to, entered by or relied upon by individual investors.
If you are uncertain as to whether you are an Investment Professional or an Individual Investor you should seek independent advice. Neither the Website nor any of its contents takes into account your personal objectives, financial situation or needs, or the suitability of any content for you.
