Terms and conditions

The Offer

1. The following terms and conditions apply to this Income Investing offer promotion (the “Promotion”). J.P. Morgan Personal Investing Limited (“JPM PI”) is the promoter. The terms set out here are the “Promotional Offer T&Cs”.

2. As part of this Promotion, if you open a JPM PI investment pot with an Income Investing style (“Income Investing pot”), you will pay 0% portfolio management fees (“Promotional Fee Rate”) on your Income Investing pot until 31 December 2025 at 23:59.

3. The main agreement between you and JPM PI is set out in the J.P. Morgan Personal Investing Terms and Conditions, which are available here. The J.P. Morgan Personal Investing Terms and Conditions govern how JPM PI will provide investment services to you. The Promotional Offer T&Cs set out additional terms, including some which amend the J.P. Morgan Personal Investing Terms and Conditions. You should read both the J.P. Morgan Personal Investing Terms and Conditions and the Promotional Offer T&Cs before taking up this Promotion.

4. The capitalised words in these Promotional Offer T&Cs have the same meaning as in the J.P. Morgan Personal Investing Terms and Conditions, unless they are expressly given a different meaning here.

5. If there is an inconsistency between (a) the Promotional Offer T&Cs; and (b) the J.P. Morgan Personal Investing Terms and Conditions these Promotional Offer T&Cs will apply.

Availability

6. This Promotion is open to New and Existing Customers (defined below) who wish to open an Income Investing Pot.

a. “Existing Customers” are individuals who are already JPM PI customers when they create an Income Investing pot;

b. “New Customers” are individuals who have not invested with, or used the services of JPM PI before and who meet the eligibility requirements in Section 1.1 and Section 1.2 of the J.P. Morgan Personal Investing Terms and Conditions, at the date of opening an account, including being UK resident and not a U.S. person.

7. An Income Investing pot can only be opened within a JPM PI Stocks and Shares ISA or General Investment Account. The Promotional Fee Rate will only apply to investments in the Income Investing pot. In addition to the Promotional Fee Rate, additional costs may apply to your investments, for example where we carry out transactions on your behalf. More detail can be found in the Schedule of fees and charges of the J.P. Morgan Personal Investing Terms and Conditions.

Accepting the offer

8. To accept this offer and receive the Promotional Fee Rate until 31 December 2025 at 23:59, you must create an Income Investing pot which New Customers can do when you onboard and Existing Customers can do via your JPM PI dashboard or app. You must fund your Income Investing pot with the minimum investment amount specified in the J.P. Morgan Personal Investing Terms and Conditions.

9. If you fund your Income Investing pot via a transfer of an ISA to JPM PI from a third party provider, you will need to select the ‘income investing’ style for the pot once the transfer has completed. JPM PI does not currently support transfers of general investment accounts from third party providers.

When will the Promotional Fee Rate be applied

10. The Promotional Fee Rate will be applied automatically to each Income Investing pot you create. In the case of transfers this will be from when you select the ‘income investing’ style for the pot in accordance with Section 9.

11. The Promotional Fee Rate is only available until 31 December 2025 at 23:59. From 1 January 2026 at 00:00 the standard JPM PI fees and charges which cover your chosen product will apply.

General

12. JPM PI cannot be held responsible for any issue or delays in transferring an ISA caused by your current provider.

13. In addition to its rights in the J.P. Morgan Personal Investing Terms and Conditions, JPM PI reserves the right to change, terminate or withdraw the Promotion immediately without notice to you in cases of:

a. suspected abuse, fraud or violation of its rules;

b. your failure to comply with any obligations under these Promotional Offer T&Cs; or

c. unexpected operational constraints.

14. We may terminate or withdraw this Promotion at any time by giving you reasonable written notice before this happens.

15. We may change these Promotional Offer T&Cs at any time. Any changes we make to Promotional Offer T&Cs will be effective immediately on posting to the website. Unless legal or regulatory obligations prevent us from doing so or where the change is not to your disadvantage (e.g. making these terms easier to understand), we will give you reasonable prior written notice of any change to these Promotional Offer T&Cs before these take effect.

16. Where this Promotion is changed, terminated or withdrawn in accordance with this Section, these Promotional Offer T&Cs will no longer apply.

17. These Promotional Offer T&Cs shall be governed by English law, and the parties submit to the non-exclusive jurisdiction of the courts of England and Wales.

Additional terms applicable to this offer

18.   JPM PI charges management and other fees. The details are available here.

Getting in contact

19.   We're here for you. To get in touch with us, you can send a secure message from your dashboard (our Message Centre), use the Chat feature on our website, call 020 3598 1515, or email support@personalinvesting.jpmorgan.com

20. If we need to get in touch with you, we will send you a secure message. You must sign in to our website to read any secure messages we send you. We may also call you by phone, use email or the post to contact you. We aren't responsible if you don't get information or notices from us because we've used out-of-date contact details. That's why it's really important that you:

· tell us as soon as possible if your contact details change; and

· check your secure messages regularly.

21. If you're deaf, hard of hearing, or have a speech disability, you can call us via the Relay UK app, or by dialing 18001-020 3598 1515 from a textphone. We can provide alternative accessible formats for certain documents. If you need them or want more information on how we help those with accessibility needs, you can contact us on the details above.

Copyright © J.P. Morgan Personal Investing Limited.

J.P. Morgan Personal Investing is authorised and regulated by the Financial Conduct Authority, no. 552016, registered in England and Wales, no. 07503666, with a registered office at 25 Bank Street, Canary Wharf, London E14 5JP.

J.P. Morgan Personal Investing is covered by the Financial Services Compensation Scheme in respect of the investment business it provides. Please see Section I of the J.P. Morgan Personal Investing Terms and Conditions for more information.