Terms and conditions

See our general terms and conditions for Investments.

Availability

1. This offer is open to New Customers of John Lewis Investments only who are registered as a My John Lewis member. “New Customers” are individuals who:
a. have not invested with, or used the services of John Lewis Investments provided by Nutmeg Saving and Investment Limited (“Nutmeg”) before; and
b. in John Lewis Investments’ reasonable opinion, are capable of being accepted as a customer of Nutmeg, in accordance with the requirements of John Lewis Investments’ Standard Terms and Conditions, and all applicable law.
c. To qualify for this offer, you must be a registered My John Lewis member and invest in a new John Lewis Investment product.

2. This offer will:
a. open for acceptance from the 07 February 2022 at 00:01; and
b. close on the 05 April 2022 at 23:59.

The period between 2(a) and 2(b) is the “Offer Period”.

3. This offer cannot be used:
a. if you are an existing or have ever been a customer of Nutmeg; or
b. multiple times for an individual New Customer; or
c. in conjunction with any other John Lewis Investments’ offer or promotion; or
d. to invest, or transfer any eligible product, into a 100%-cash pot.

Accepting the offer

4. To accept this offer, and benefit from the promotional 0% per annum portfolio management fee (“Promotional Fee Rate”) for 12 months, you must do each of the following:
a. Sign-up via investments.johnlewisfinance.com/my-offer; and
b. Fund your new John Lewis Investments product during the Offer Period, by:

i. in the case of John Lewis Investments ISA, or General Investment Account, making a minimum initial investment of £500; or
ii. initiating a transfer of an existing ISA, into a new John Lewis Investments ISA, with a minimum of £500; or
iii. in the case of a John Lewis Investments Junior ISA by making a minimum investment of £100; or
iv. initiating a transfer of an existing Junior ISA or Child Trust Fund into a new John Lewis Investments Junior ISA, with a minimum of £100.

5. Failure to perform the above steps may invalidate your acceptance of the offer. John Lewis Investments accepts no liability in these circumstances.

When and how the offer will be applied

6. The Promotional Fee Rate will be applied within one (1) month of the funds in the new John Lewis Investments customer’s account first being traded (“First Traded Date”).

7. After a period of twelve (12) months the standard John Lewis Investments fees will be applied. 

General

8. John Lewis Investments reserves the right to withdraw the offer at any time without prior notice in cases of suspected abuse, fraud or violation of its rules.

9. This offer, the ISA, GIA, and JISA, and transfers and withdrawals, are subject to, and governed by, John Lewis Investments’ Standard Terms and Conditions. If there is a conflict between (a) the terms of this offer; and (b) John Lewis Investments’ Standard Terms and Conditions the latter will prevail.

10. John Lewis Investments charges management and other fees.

11. Neither John Lewis Investments or Nutmeg Saving and Investment Limited can be held responsible for any issue or delays in transferring your ISA or Junior ISA caused by the ceding provider.

12. John Lewis Investments reserves the right to change, terminate or withdraw this offer without prior notice due to unexpected operational constraints.
 

As with all investing, your capital is at risk. Tax treatment depends on your individual circumstances and may be subject to change in the future. The value of your portfolio can go down as well as up, and there's a chance you could get back less than you invest.

Availability

1. This offer is open to New Customers of John Lewis Investments only who are registered as a My Waitrose member. “New Customers” are individuals who:
a. have not invested with, or used the services of John Lewis Investments provided by Nutmeg Saving and Investment Limited (“Nutmeg”) before; and
b. in John Lewis Investments’ reasonable opinion, are capable of being accepted as a customer of Nutmeg, in accordance with the requirements of John Lewis Investments’ Standard Terms and Conditions, and all applicable law.
c. To qualify for this offer, you must be a registered my Waitrose member and invest in a new John Lewis Investment product.

2. This offer will:
open for acceptance from the 07 February 2022 at 00:01; and
close on the 05 April 2022 at 23:59.

The period between 2(a) and 2(b) is the “Offer Period”.

3. This offer cannot be used:
a. if you are an existing or have ever been a customer of Nutmeg; or
b. multiple times for an individual New Customer; or
c. in conjunction with any other John Lewis Investments’ offer or promotion; or
d. to invest, or transfer any eligible product, into a 100%-cash pot.

Accepting the offer

4. To accept this offer, and benefit from the promotional 0% per annum portfolio management fee (“Promotional Fee Rate”) for 12 months, you must do each of the following:
a. Sign-up via investments.johnlewisfinance.com/my-offer; and
b. Fund your new John Lewis Investments product during the Offer Period, by:

i. in the case of John Lewis Investments ISA, or General Investment Account, making a minimum initial investment of £500; or
ii. initiating a transfer of an existing ISA, into a new John Lewis Investments ISA, with a minimum of £500; or
iii. in the case of a John Lewis Investments Junior ISA by making a minimum investment of £100; or
iv. initiating a transfer of an existing Junior ISA or Child Trust Fund into a new John Lewis Investments Junior ISA, with a minimum of £100.

5. Failure to perform the above steps may invalidate your acceptance of the offer. John Lewis Investments accepts no liability in these circumstances.

When and how the offer will be applied

6. The Promotional Fee Rate will be applied within one (1) month of the funds in the new John Lewis Investments customer’s account first being traded (“First Traded Date”).

7. After a period of twelve (12) months the standard John Lewis Investments fees will be applied.

General
8. John Lewis Investments reserves the right to withdraw the offer at any time without prior notice in cases of suspected abuse, fraud or violation of its rules.

9. This offer, the ISA, GIA, and JISA, and transfers and withdrawals, are subject to, and governed by, John Lewis Investments’ Standard Terms and Conditions. If there is a conflict between (a) the terms of this offer; and (b) John Lewis Investments’ Standard Terms and Conditions the latter will prevail.

10. John Lewis Investments charges management and other fees.

11. Neither John Lewis Investments or Nutmeg Saving and Investment Limited can be held responsible for any issue or delays in transferring your ISA or Junior ISA caused by the ceding provider.

12. John Lewis Investments reserves the right to change, terminate or withdraw this offer without prior notice due to unexpected operational constraints.


As with all investing, your capital is at risk. Tax treatment depends on your individual circumstances and may be subject to change in the future. The value of your portfolio can go down as well as up, and there's a chance you could get back less than you invest.

1. Promotion and Applicable T&Cs

1.1 John Lewis Investments provided by Nutmeg Saving and Investments Limited (“Nutmeg”) is offering a promotional rate of 0% portfolio management fees for a period of six (6) months on selected investments held with Nutmeg. This offer is referred to here as the “Promotional Fee Rate”.

1.2 The main agreement between you and John Lewis Investments is set out in the John Lewis Investments Standard T&Cs. The terms set out below are the “Promotional Offer T&Cs”. The Promotional Offer T&Cs set out additional terms, including some terms which amend the John Lewis Investments Standard T&Cs. You should read both sets of T&Cs before redeeming the Promotional Fee Rate.

1.3 The capitalised words in these Promotional Offer T&Cs have the same meaning as in the John Lewis Investment Standard T&Cs, unless they are expressly given a different meaning here.

1.4 If there is an inconsistency between (a) the Promotional Offer T&Cs; and (b) the John Lewis Investments Standard T&Cs, these Promotional Offer T&Cs will apply.

1.5 By creating a John Lewis Investments account in accordance with paragraph 4.1 below, you are agreeing to be bound by these Promotional Offer T&Cs and the John Lewis Investments Standard T&Cs.

1.6 This offer will open for acceptance on 3 January 2023 at 00:01 and close on 31 May 2023 at 23:59 (the “Offer Period”).

1.7 Offer available to new customers only.
 

2. Who is able to benefit from the Promotional Fee Rate?

2.1 The Promotional Fee Rate is only available to “Eligible Participants”. Eligible Participants are individuals who, in addition to meeting the eligibility requirements in Sections 1.1 and 1.2 of the John Lewis Investments Standard T&Cs, at the date of opening a John Lewis Investments account:
a) have not previously invested with, or used the services of, John Lewis Investments or Nutmeg; and
b) are UK resident and are not a US Person.

2.2 By creating a John Lewis Investments account in accordance with paragraph 4.1 below, you confirm that you are an Eligible Participant. 
 

3. What John Lewis Investment products does the Promotional Fee Rate apply to?

3.1 The Promotional Fee Rate is available in respect of the following John Lewis Investments products (including any variants of these products that may launch during the Offer Period):
a) Stocks and Shares ISA with an investment of at least £500;
b) Stocks and Shares Junior ISA with an investment of at least £100; and
c) General Investment Account with an investment of at least £500
(each an “Eligible Product”).

3.2 The Promotional Fee Rate cannot be used:
a) in conjunction with any other John Lewis Investments offer or promotion, except the John Lewis Investments My JL prize draws in January, February and March; or
b) multiple times by an Eligible Participant; or
c) to invest or transfer an Eligible Product into a 100%-cash pot.
 

4. How to validate the Promotional Fee Rate

4.1 In order to validate and benefit from the Promotional Fee Rate, you must do all of the following during the Offer Period:
a) open a John Lewis Investment account; and
b) fund or initiate a transfer of an Eligible Product into your new John Lewis Investment product in accordance with the minimum investment requirements set out in Section 1.1 of the John Lewis Investments Standard T&Cs.

For a transfer to be considered valid, the ceding provider must confirm the transfer within the Offer Period.

4.2 Once you have completed the steps at paragraph 4.1 above, the Promotional Fee Rate will be applied automatically to your John Lewis Investment account within the time frame specified in clause 5.1 below and you will not need to take any further action.

4.3 If you do not follow all of the steps in paragraph 4.1 correctly, you will not be eligible to receive the Promotional Fee Rate for your John Lewis Investment account. In this case, John Lewis Investments normal fees and charges, as set out in Section I of the John Lewis Investments Standard T&Cs, will apply.

4.4 If you notice that you have not signed up correctly and the Promotional Fee Rate has not been applied to your John Lewis Investment account, please contact the John Lewis Investments customer service team on 020 3598 1515 who may be able to assist.

4.5 We do not accept responsibility for your failure to successfully complete the steps at paragraph 4.1 or for any network, computer or software failures of any kind, which may result in the Promotional Fee Rate not being validated.
 

5. When will the Promotional Fee Rate be applied?

5.1 The Promotional Fee Rate will be applied within thirty (30) days of the funds in your John Lewis Investment account first being traded.

5.2 The Promotional Fee Rate will apply for a period of six (6) months from the date on which the Promotional Fee Rate was first applied to the funds in your John Lewis Investment account. After those six (6) months, the standard Nutmeg fees and charges will apply. Please refer to Section I of the John Lewis Investment Standard T&Cs.

5.3 You will still be subject to the underlying fund costs and impact of market spread as this is not charged by John Lewis Investments. Details of these costs and charges are set out in Section I of the John Lewis Investments Standard T&Cs
 

6. General Terms

6.1 In addition to its rights in the John Lewis Investments Standard T&Cs, John Lewis Investments and Nutmeg reserve the right to change, terminate or withdraw the Promotional Fee Rate at any time without prior notice. Where the Promotional Fee Rate is changed, terminated or withdrawn in accordance with this section 6.1, these Promotion Fee T&Cs will no longer apply.

6.2 Neither John Lewis Investments or Nutmeg can be held responsible for any issue or delays in transferring your ISA or Junior ISA caused by the ceding provider.

6.3 These terms and conditions shall be governed by English law, and the parties submit to the non-exclusive jurisdiction of the courts of England and Wales.

As with all investing, your capital is at risk. Tax treatment depends on your individual circumstances and may be subject to change in the future. The value of your portfolio can go up as well as down, and there's a chance you could get back less than you invest.

To open a John Lewis JISA, your child must be under the age of 16 and funds cannot be withdrawn until your child turns 18. Tax treatment depends on your individual circumstances and may be subject to change in the future. If you are unsure if a Junior ISA is the right choice for you and your child, please seek financial advice.

John Lewis plc trading as John Lewis Finance acts as an Appointed Representative of Nutmeg Saving and Investment Ltd for the purpose of making introductions to Nutmeg and distributing financial promotions. John Lewis Investments services are provided by Nutmeg Saving and Investment Limited; 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.

Nutmeg Saving and Investment Limited is authorised and regulated by the Financial Conduct Authority, whose address is 12 Endeavour Square, London E20 1JN, www.fca.org.uk. Our firm registration number is 552016. Nutmeg is covered by the Financial Services Compensation Scheme. There is more information about this in our Standard Terms and Conditions.

My John Lewis January 2023 prize draw terms and conditions

1. By entering the prize draw you are deemed to have accepted these terms and conditions.

Eligibility

2. The promoter is John Lewis plc trading as John Lewis Investments (“John Lewis Investments”).

3. John Lewis plc trading as John Lewis Investments acts as an Appointed Representative (having firm reference number: 416011) of Nutmeg Saving and Investment Ltd (“Nutmeg”) for the purpose of making introductions to Nutmeg and distributing financial promotions. John Lewis Investments services are provided by Nutmeg Saving and Investment Limited; 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.

4. The prize draw is open to New Customers (defined below) of John Lewis Investments who:

a) open an account with John Lewis Investments and fund a General Investment Account, or fund or initiate a transfer of a new Stocks and Shares ISA or Stocks and Shares Junior ISA with John Lewis Investments, provided by Nutmeg Saving and Investment Limited (“Eligible Product”); and
b) are MyJL members before the time of opening of the Eligible Product

(each an “Eligible Participant”).

5. For the purpose of these terms “New Customers” are individuals who:

a) have not invested with, or used the services of Nutmeg before
b) meet the eligibility requirements of the John Lewis Investments Standard T&Cs at the date of opening a John Lewis Investments account, in particular clause 1.1, 1.2 and 24.4 (for JISA)
c) are resident for tax purposes in the UK only (this excludes residents of Channel Islands and the Isle of Man); and
d) are not a U.S national.

For the avoidance of doubt, the individual meeting the criteria in clause 24.4 of the John Lewis Investments Standard T&Cs who opens the Stocks and Shares Junior ISA with John Lewis Investments will be the Eligible Participant for the prize draw, not the child.

6. This prize draw will:

a) be open for acceptance from 11 January 2023 at 00:01; and
b) close on 31 January 2023 at 23:59
(the “Prize Draw Period”).

7. You will not be eligible to enter this prize draw by investing into a 100% cash pot or transferring an Eligible Product into a 100% cash pot.

8. The prize draw is limited to one entry per John Lewis Investments account holder. As above, the individual meeting the criteria in clause 24.4 of the John Lewis Investments Standard T&Cs who opens the Stocks and Shares Junior ISA with John Lewis Investments will be the Eligible Participant for the prize draw, not the child.

9. Employees, officers or directors of John Lewis Plc and Nutmeg Saving & Investment Limited will not be eligible to enter the prize draw.

How to enter

10. To enter, within the Prize Draw Period, Eligible Participants must:

a) open a new John Lewis Investments account;
b) submit their My JL account number when opening a new John Lewis Investments account; and
c) complete at least one of the following steps:

i. Open and fund a new John Lewis Investments General Investments Account by making a minimum investment of £500; or
ii Open and fund a new John Lewis Investments Stocks and Shares ISA by making a minimum investment of £500; or
iii Open a new John Lewis Investments Stocks and Shares ISA and complete an application to transfer an existing ISA with a minimum value of £500 to John Lewis Investments. For the transfer application to be considered valid for the purpose of the prize draw, the ceding provider must confirm the transfer within the Prize Draw Period; or
iv. Open and fund a new John Lewis Investments Stocks and Shares Junior ISA by making a minimum investment of £100; or
v. Complete an application to transfer a Junior ISA or Child Trust Fund with a minimum value of £100 to John Lewis Investments. For the transfer application to be considered valid for the purpose of the prize draw, the ceding provider must confirm the transfer within the January Prize Draw Period.

Upon completion of any of the above steps, the Eligible Participant will automatically be entered into the prize draw.

11. Failure to complete an action listed in clause 10 above within the Prize Draw Period will result in your prize draw entry being voided.

12. Should you wish to be excluded from the prize draw, please contact us at competitions@nutmeg.com before the close of the Prize Draw Period. By not opting out of the prize draw, you confirm that you are eligible for entering the prize draw and eligible to claim any prize you may win.

John Lewis Investments and Nutmeg shall not be held responsible for:

a) failures or delays caused by third-party providers; and
b) failed entries due to technical failures outside of John Lewis Investments or Nutmegs’ reasonable control.

The prizes

13. The prize will be a cash sum of £10,000. There is one prize available to be won. The prize is non-exchangeable, non-transferable and will be paid directly to the bank account associated with your John Lewis Investments account. In the case of a Stocks and Shares Junior ISA, this will be the individual who opens the account.

Winner announcement

14. The winner of the draw will be randomly selected from all eligible entries in accordance with the laws of chance by an independent third party on 15 May 2023. John Lewis Investments will notify the winner within 5 working days from the date of selection via email using the email address associated with their John Lewis Investments account.

John Lewis Investments will make all reasonable efforts to contact the prize winner. If any prize winner fails to claim a Prize, they will forfeit the prize and John Lewis Investments reserves the right to randomly draw another valid entry.

Please note, we are required to provide details proving a valid award has taken place to anyone requesting such information. We will comply with this requirement by disclosing the winner’s surname and county upon request. Should you wish to object to these details being shared, please contact us at johnlewisinvestments@nutmeg.com. For the avoidance of doubt, regardless of your objection and in the event we are asked for it, we will still be required to share the winner’s surname and county with the Advertising Standards Authority or any other authority.

15. We may contact the winner of the prize draw to ask for consent to make an announcement of the winner on certain marketing material. If you'd like to read more on how and where John Lewis Investments collect or how we use your personal data, please see our Privacy Notice.

Receipt of the prize

16. We will provide the prize via electronic transfer to the bank account associated with your John Lewis Investments account within 30 days of successfully contacting the winner, subject to the winner’s confirmation that the payment details and information we hold is correct. We reserve the right to perform any checks or verification or checks we deem necessary.

General

17. John Lewis Investments reserves the right to void a prize draw entry at any time without prior notice.

John Lewis Investments reserve the right to change, terminate or withdraw this prize draw without prior notice.

This prize draw should not form the basis of any decision to invest. If you are unsure if a General Investment Account, a Stocks and Shares ISA or a Stocks and Shares Junior ISA is the right choice for you, please seek financial advice. John Lewis Investments does not have the ability to provide any financial advice.

The prize draw, the John Lewis Investments General Investment Account, Stocks and Shares ISA and Stocks and Shares Junior ISA, transfers and withdrawals, are subject to, and governed by, John Lewis Investments Standard Terms and Conditions and the general law. If there is a conflict between (a) the terms of this prize draw; and (b) John Lewis Investments Standard Terms and Conditions and the general law, the latter will prevail followed by the John Lewis Investments Standard Terms and Conditions.

18. Nutmeg charge management and other fees. The details are available here. John Lewis Investments may receive a portion of the fees charged by Nutmeg for their services.

19. Nutmeg will assist in the administration of this prize draw.

20. This prize draw and these terms and conditions are governed by English Law and subject to the exclusive jurisdiction of the English courts.

As with all investing, your capital is at risk. Tax treatment depends on your individual circumstances and may be subject to change in the future. The value of your portfolio can go down as well as up, and there’s a chance you could get back less than you invest. We recommend you seek appropriate financial advice that is tailored to your situation before you invest.

John Lewis plc trading as John Lewis Finance acts as an Introducer Appointed Representative of Nutmeg Saving and Investment Ltd for the purpose of making introductions to Nutmeg and distributing financial promotions. John Lewis Investments services are provided by Nutmeg Saving and Investment Limited; 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.

My John Lewis February 2023 Prize Draw Terms and Conditions

1. By entering the prize draw you are deemed to have accepted these terms and conditions.
 

Eligibility

2. The promoter is John Lewis plc trading as John Lewis Investments (“John Lewis Investments”).

3. John Lewis plc trading as John Lewis Investments acts as an Appointed Representative (having firm reference number: 416011) of Nutmeg Saving and Investment Ltd (“Nutmeg”) for the purpose of making introductions to Nutmeg and distributing financial promotions. John Lewis Investments services are provided by Nutmeg Saving and Investment Limited; 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.

4. The prize draw is open to New Customers (defined below) of John Lewis Investments who:

a) open an account with John Lewis Investments and fund a General Investment Account, or fund or initiate a transfer of a new Stocks and Shares ISA or Stocks and Shares Junior ISA with John Lewis Investments, provided by Nutmeg Saving and Investment Limited (“Eligible Product”); and
b) are MyJL members before the time of opening of the Eligible Product

(each an “Eligible Participant”).

5. For the purpose of these terms “New Customers” are individuals who:

a) have not invested with, or used the services of Nutmeg before;
b) meet the eligibility requirements of the John Lewis Investments Standard T&Cs at the date of opening a John Lewis Investments account, in particular clause 1.1, 1.2 and 24.4 (for JISA);
c) are resident for tax purposes in the UK only (this excludes residents of Channel Islands and the Isle of Man); and
d) are not a U.S national.

For the avoidance of doubt, the individual meeting the criteria in clause 24.4 of the John Lewis Investments Standard T&Cs who opens the Stocks and Shares Junior ISA with John Lewis Investments will be the Eligible Participant for the prize draw, not the child.

6. This prize draw will:

a) be open for acceptance from 1 February 2023 at 00:01; and
b) close on 28 February 2023 at 23:59

(the “Prize Draw Period”).

7. You will not be eligible to enter this prize draw by investing into a 100% cash pot or transferring an Eligible Product into a 100% cash pot.

8. The prize draw is limited to one entry per John Lewis Investments account holder. As above, the individual meeting the criteria in clause 24.4 of the John Lewis Investments Standard T&Cs who opens the Stocks and Shares Junior ISA with John Lewis Investments will be the Eligible Participant for the prize draw, not the child.

9. Employees, officers or directors of John Lewis Plc and Nutmeg Saving & Investment Limited will not be eligible to enter the prize draw.

How to enter

10. To enter, within the Prize Draw Period, Eligible Participants must:

a) open a new John Lewis Investments account;
b) submit their My JL account number when opening a new John Lewis Investments account; and
c) complete at least one of the following steps:

vi. Open and fund a new John Lewis Investments General Investments Account by making a minimum investment of £500; or
vii. Open and fund a new John Lewis Investments Stocks and Shares ISA by making a minimum investment of £500; or
viii. Open a new John Lewis Investments Stocks and Shares ISA and complete an application to transfer an existing ISA with a minimum value of £500 to John Lewis Investments. For the transfer application to be considered valid for the purpose of the prize draw, the ceding provider must confirm the transfer within the Prize Draw Period; or
ix. Open and fund a new John Lewis Investments Stocks and Shares Junior ISA by making a minimum investment of £100; or
x. Complete an application to transfer a Junior ISA or Child Trust Fund with a minimum value of £100 to John Lewis Investments. For the transfer application to be considered valid for the purpose of the prize draw, the ceding provider must confirm the transfer within the February Prize Draw Period.

Upon completion of any of the above steps, the Eligible Participant will automatically be entered into the prize draw.

11. Failure to complete an action listed in clause 10 above within the Prize Draw Period will result in your prize draw entry being voided.

12. Should you wish to be excluded from the prize draw, please contact us at competitions@nutmeg.com before the close of the Prize Draw Period. By not opting out of the prize draw, you confirm that you are eligible for entering the prize draw and eligible to claim any prize you may win.
John Lewis Investments and Nutmeg shall not be held responsible for:

a) failures or delays caused by third-party providers; and
b) failed entries due to technical failures outside of John Lewis Investments or Nutmegs’ reasonable control.

The prizes

13. The prize will be a cash sum of £8,000. There is one prize available to be won.
The prize is non-exchangeable, non-transferable and will be paid directly to the bank account associated with your John Lewis Investments account. In the case of a Stocks and Shares Junior ISA, this will be the individual who opens the account.

Winner announcement

14. The winner of the draw will be randomly selected from all eligible entries in accordance with the laws of chance by an independent third party on 15 May 2023.
John Lewis Investments will notify the winner within 5 working days from the date of selection via email using the email address associated with their John Lewis Investments account.
John Lewis Investments will make all reasonable efforts to contact the prize winner. If any prize winner fails to claim a Prize, they will forfeit the prize and John Lewis Investments reserves the right to randomly draw another valid entry.
Please note, we are required to provide details proving a valid award has taken place to anyone requesting such information. We will comply with this requirement by disclosing the winner’s surname and county upon request. Should you wish to object to these details being shared, please contact us at johnlewisinvestments@nutmeg.com. For the avoidance of doubt, regardless of your objection and in the event we are asked for it, we will still be required to share the winner’s surname and county with the Advertising Standards Authority or any other authority.

15. We may contact the winner of the prize draw to ask for consent to make an announcement of the winner on certain marketing material.
If you'd like to read more on how and where John Lewis Investments collect or how we use your personal data, please see our Privacy Notice.
 

Receipt of the prize

16. We will provide the prize via electronic transfer to the bank account associated with your John Lewis Investments account within 30 days of successfully contacting the winner, subject to the winner’s confirmation that the payment details and information we hold is correct. We reserve the right to perform any checks or verification or checks we deem necessary.

General

17. John Lewis Investments reserves the right to void a prize draw entry at any time without prior notice.
John Lewis Investments reserve the right to change, terminate or withdraw this prize draw without prior notice.
This prize draw should not form the basis of any decision to invest. If you are unsure if a General Investment Account, a Stocks and Shares ISA or a Stocks and Shares Junior ISA is the right choice for you, please seek financial advice. John Lewis Investments does not have the ability to provide any financial advice.
The prize draw, the John Lewis Investments General Investment Account, Stocks and Shares ISA and Stocks and Shares Junior ISA, transfers and withdrawals, are subject to, and governed by, John Lewis Investments Standard Terms and Conditions and the general law. If there is a conflict between (a) the terms of this prize draw; and (b) John Lewis Investments Standard Terms and Conditions and the general law, the latter will prevail followed by the John Lewis Investments Standard Terms and Conditions.

18. Nutmeg charge management and other fees. The details are available here. John Lewis Investments may receive a portion of the fees charged by Nutmeg for their services.

19. Nutmeg will assist in the administration of this prize draw.

20. This prize draw and these terms and conditions are governed by English Law and subject to the exclusive jurisdiction of the English courts.

As with all investing, your capital is at risk. Tax treatment depends on your individual circumstances and may be subject to change in the future. The value of your portfolio can go down as well as up, and there’s a chance you could get back less than you invest. We recommend you seek appropriate financial advice that is tailored to your situation before you invest.

John Lewis plc trading as John Lewis Finance acts as an Introducer Appointed Representative of Nutmeg Saving and Investment Ltd for the purpose of making introductions to Nutmeg and distributing financial promotions. John Lewis Investments services are provided by Nutmeg Saving and Investment Limited; 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.

My John Lewis March 2023 Prize Draw Terms and Conditions

1. By entering the prize draw you are deemed to have accepted these terms and conditions.

Eligibility

2. The promoter is John Lewis plc trading as John Lewis Investments (“John Lewis Investments”).

3. John Lewis plc trading as John Lewis Investments acts as an Appointed Representative (having firm reference number: 416011) of Nutmeg Saving and Investment Ltd (“Nutmeg”) for the purpose of making introductions to Nutmeg and distributing financial promotions. John Lewis Investments services are provided by Nutmeg Saving and Investment Limited; 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.

4. The prize draw is open to New Customers (defined below) of John Lewis Investments who:

a) open an account with John Lewis Investments and fund a General Investment Account, or fund or initiate a transfer of a new Stocks and Shares ISA or Stocks and Shares Junior ISA with John Lewis Investments, provided by Nutmeg Saving and Investment Limited (“Eligible Product”); and
b) are MyJL members before the time of opening of the Eligible Product

(each an “Eligible Participant”).

5. For the purpose of these terms “New Customers” are individuals who:

a) have not invested with, or used the services of Nutmeg before;
b) meet the eligibility requirements of the John Lewis Investments Standard T&Cs at the date of opening a John Lewis Investments account, in particular clause 1.1, 1.2 and 24.4 (for JISA);
c) are resident for tax purposes in the UK only (this excludes residents of Channel Islands and the Isle of Man); and
d) are not a U.S national.

For the avoidance of doubt, the individual meeting the criteria in clause 24.4 of the John Lewis Investments Standard T&Cs who opens the Stocks and Shares Junior ISA with John Lewis Investments will be the Eligible Participant for the prize draw, not the child.

6. This prize draw will:

a) be open for acceptance from 1 March 2023 at 00:01; and
b) close on 05 April 2023 at 23:59

(the “Prize Draw Period”).

7. You will not be eligible to enter this prize draw by investing into a 100% cash pot or transferring an Eligible Product into a 100% cash pot.

8. The prize draw is limited to one entry per John Lewis Investments account holder. As above, the individual meeting the criteria in clause 24.4 of the John Lewis Investments Standard T&Cs who opens the Stocks and Shares Junior ISA with John Lewis Investments will be the Eligible Participant for the prize draw, not the child.
9. Employees, officers or directors of John Lewis Plc and Nutmeg Saving & Investment Limited will not be eligible to enter the prize draw.

How to enter

10. To enter, within the Prize Draw Period, Eligible Participants must:

a) open a new John Lewis Investments account;
b) submit their My JL account number when opening a new John Lewis Investments account; and
c) complete at least one of the following steps:

xi. Open and fund a new John Lewis Investments General Investments Account by making a minimum investment of £500; or
xii.Open and fund a new John Lewis Investments Stocks and Shares ISA by making a minimum investment of £500; or
xiii. Open a new John Lewis Investments Stocks and Shares ISA and complete an application to transfer an existing ISA with a minimum value of £500 to John Lewis Investments. For the transfer application to be considered valid for the purpose of the prize draw, the ceding provider must confirm the transfer within the Prize Draw Period; or
xiii. Open and fund a new John Lewis Investments Stocks and Shares Junior ISA by making a minimum investment of £100; or
xiv. Complete an application to transfer a Junior ISA or Child Trust Fund with a minimum value of £100 to John Lewis Investments. For the transfer application to be considered valid for the purpose of the prize draw, the ceding provider must confirm the transfer within the March Prize Draw Period.

Upon completion of any of the above steps, the Eligible Participant will automatically be entered into the prize draw.

11. Failure to complete an action listed in clause 10 above within the Prize Draw Period will result in your prize draw entry being voided.

12. Should you wish to be excluded from the prize draw, please contact us at competitions@nutmeg.com before the close of the Prize Draw Period. By not opting out of the prize draw, you confirm that you are eligible for entering the prize draw and eligible to claim any prize you may win.

John Lewis Investments and Nutmeg shall not be held responsible for:

a) failures or delays caused by third-party providers; and
b) failed entries due to technical failures outside of John Lewis Investments or Nutmegs’ reasonable control.

The prizes

13. The prize will be a cash sum of £6,000. There is one prize available to be won. The prize is non-exchangeable, non-transferable and will be paid directly to the bank account associated with your John Lewis Investments account. In the case of a Stocks and Shares Junior ISA, this will be the individual who opens the account.

Winner announcement

14. The winner of the draw will be randomly selected from all eligible entries in accordance with the laws of chance by an independent third party on 15 May 2023.
John Lewis Investments will notify the winner within 5 working days from the date of selection via email using the email address associated with their John Lewis Investments account.

John Lewis Investments will make all reasonable efforts to contact the prize winner. If any prize winner fails to claim a Prize, they will forfeit the prize and John Lewis Investments reserves the right to randomly draw another valid entry.

Please note, we are required to provide details proving a valid award has taken place to anyone requesting such information. We will comply with this requirement by disclosing the winner’s surname and county upon request. Should you wish to object to these details being shared, please contact us at johnlewisinvestments@nutmeg.com. For the avoidance of doubt, regardless of your objection and in the event we are asked for it, we will still be required to share the winner’s surname and county with the Advertising Standards Authority or any other authority.

15. We may contact the winner of the prize draw to ask for consent to make an announcement of the winner on certain marketing material.
If you'd like to read more on how and where John Lewis Investments collect or how we use your personal data, please see our Privacy Notice.

Receipt of the prize

16. We will provide the prize via electronic transfer to the bank account associated with your John Lewis Investments account within 30 days of successfully contacting the winner, subject to the winner’s confirmation that the payment details and information we hold is correct. We reserve the right to perform any checks or verification or checks we deem necessary.

General

17. John Lewis Investments reserves the right to void a prize draw entry at any time without prior notice.

John Lewis Investments reserve the right to change, terminate or withdraw this prize draw without prior notice.

This prize draw should not form the basis of any decision to invest. If you are unsure if a General Investment Account, a Stocks and Shares ISA or a Stocks and Shares Junior ISA is the right choice for you, please seek financial advice. John Lewis Investments does not have the ability to provide any financial advice.

The prize draw, the John Lewis Investments General Investment Account, Stocks and Shares ISA and Stocks and Shares Junior ISA, transfers and withdrawals, are subject to, and governed by, John Lewis Investments Standard Terms and Conditions and the general law. If there is a conflict between (a) the terms of this prize draw; and (b) John Lewis Investments Standard Terms and Conditions and the general law, the latter will prevail followed by the John Lewis Investments Standard Terms and Conditions.

18. Nutmeg charge management and other fees. The details are available here. John Lewis Investments may receive a portion of the fees charged by Nutmeg for their services.

19. Nutmeg will assist in the administration of this prize draw.

20. This prize draw and these terms and conditions are governed by English Law and subject to the exclusive jurisdiction of the English courts.

As with all investing, your capital is at risk. Tax treatment depends on your individual circumstances and may be subject to change in the future. The value of your portfolio can go down as well as up, and there’s a chance you could get back less than you invest. We recommend you seek appropriate financial advice that is tailored to your situation before you invest.

John Lewis plc trading as John Lewis Finance acts as an Introducer Appointed Representative of Nutmeg Saving and Investment Ltd for the purpose of making introductions to Nutmeg and distributing financial promotions. John Lewis Investments services are provided by Nutmeg Saving and Investment Limited; 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.
 

The Offer

1. The following terms and conditions apply to this Transfer Offer Promotion (the “Promotion”).

2. The promoter is John Lewis plc trading as John Lewis Investments (“John Lewis Investments”).

3. John Lewis plc trading as John Lewis Investments acts as an Appointed Representative (having firm reference number: 416011) of Nutmeg Saving and Investment Ltd (“Nutmeg”) for the purpose of making introductions to Nutmeg and distributing financial promotions. Nutmeg Saving and Investment Limited is authorised and regulated by the Financial Conduct Authority, no. 552016, registered in England and Wales, company no. 07503666, with a registered office at 25 Bank Street, Canary Wharf, London E14 5JP.

4. As part of this Promotion, if you transfer a cash ISA, Stocks and Shares ISA, cash Junior ISA, Stocks and Shares Junior ISA or Child Trust Fund to John Lewis Investments within the specified Promotion Period you will receive cashback into your un-allocated cash pot (“Investment Boost”) as detailed in Table 1. The cashback is restricted to one payment with a maximum value of £150 per product held with John Lewis Investments (as set out in Table 1).

5. The John Lewis Investments Standard T&Cs, apply to the opening and administration of your account. These terms are the “Promotional Offer T&Cs”. Please carefully read and understand both sets of T&Cs before entering the Promotion and redeeming the Reward.

6. The capitalised words in these Promotional Offer T&Cs have the same meaning as in the John Lewis Investments Standard T&Cs, unless they are expressly given a different meaning here.

7. If there is an inconsistency between (a) the Promotional Offer T&Cs; and (b) the John Lewis Investments Standard T&Cs, the John Lewis Investment Standard T&Cs will apply.

8. By completing an ISA or JISA transfer request in accordance with paragraph 13 below, you are agreeing to be bound by these Promotional Offer T&Cs and the John Lewis Investments Standard T&Cs.

Availability 

9. The Promotion will run from 00:01 on 6th April 2023 to 23:59 on 31st May 2023 (the “Promotion Period”).

10. This Promotion is open to new and existing customers who wish to transfer an existing cash ISA, Stocks and Shares ISA, cash Junior ISA, Stocks and Shares Junior ISA or Child Trust Fund from another provider to John Lewis Investments.

(a). Existing customers are individuals who are John Lewis Investment customers that have opened an account before the 5th April 2023.

(b). New customers are individuals who:

(i). Have not invested with, or used the services of John Lewis Investment or Nutmeg before

(ii). Meet the eligibility requirements of the John Lewis Investments Standard T&Cs at the date of opening a John Lewis Investments account, in particular clause 1.1, 1.2 (for any account) and 24.4 (for JISA)

(iii). are resident for tax purposes in the UK only (this excludes residents of Channel Islands and the Isle of Man)

(iv). are not a U.S national; and

(iii). Will be transferring an existing cash ISA, Stocks and Shares ISA, cash Junior ISA, Stocks and Shares Junior ISA or Child Trust Fund from another provider to John Lewis Investments by opening a new John Lewis Investments ISA or Junior ISA.

11. This offer cannot be claimed:

(a). in conjunction with any other Nutmeg or John Lewis Investments offer, or promotion; or

(b). to transfer any eligible product into a 100% cash pot. 

12. The Promotion is limited to one Investment Boost per customer of up to £150 as described in Table 1.

Accepting the offer – Investment Boost

13. To accept this Promotion, and receive the Investment Boost (as set out in Table 1), you must do each of the following during the Promotion Period:

(a). Ensure the transfer(s) you wish to initiate meets the minimum threshold of £5,000. If you complete multiple transfers, the cumulative value of the transfers will count towards the minimum threshold; and 

(b). Complete the product transfer request via the relevant link here.

Table 1

Transferred Value: £5,000.00 - £9,999.99 = Investment Boost Reward: £50

Transferred Value: £10,000.00 - £19,999.99 = Investment Boost Reward: £100

Transferred Value: £20,000.00+ = Investment Boost Reward: £150

14. John Lewis Investments is not responsible for providing any financial advice. Please seek appropriate financial and tax advice that is tailored to your situation before availing yourself of this promotion. 

15. John Lewis Investments is not responsible for any potential additional tax liabilities that could arise from your availing yourself of this Promotion.

When and how the Reward will be paid

16. The Investment Boost will be paid to your account within three (3) months of successful completion of your product transfer request and the funds in your John Lewis Investments ISA or Junior ISA being traded. If the product transfer requires more than three (3) months to be completed, the Investment Boost will be paid to your account upon the successful transfer completion and the funds in your John Lewis Investments ISA or Junior ISA being traded.

17. In every case:

The Investment Boost will be left in 'un-allocated cash' and you will be notified via Nutmail that you have cash waiting for allocation. You can then choose which product to allocate this cash to, or submit a request to withdraw the ‘un-allocated cash’.

General

18. John Lewis Investments cannot be held responsible for any issues or delays in transferring your eligible product caused by the ceding provider.

19. In addition to its rights in the John Lewis Investments Standard T&Cs, John Lewis Investments reserves the right to change, terminate or withdraw the Promotion at any time without prior notice to you in cases of:

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

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

(c). unexpected operational constraints.

Where this Promotion is changed, terminated or withdrawn in accordance with this paragraph 19, these Promotional Offer T&Cs will no longer apply.

20. This Promotion should not form the basis of any decision to invest. If you are unsure if a Stocks and Shares ISA or a Stocks and Shares Junior ISA is the right choice for you, please seek financial advice. John Lewis Investments does not provide any financial advice.

21. Nutmeg charges management and other fees. The details are available here. John Lewis Investments may receive a portion of the fees charged by Nutmeg for their services.

22. These terms and conditions shall be governed by English law, and the parties submit to the non-exclusive jurisdiction of the courts of England and Wales.

As with all investing, your capital is at risk. Tax treatment depends on your individual circumstances and may be subject to change in the future. The value of your portfolio can go down as well as up, and there’s a chance you could get back less than you invest. We recommend you seek appropriate financial advice that is tailored to your situation before you invest.

John Lewis plc trading as John Lewis Finance acts as an Appointed Representative of Nutmeg Saving and Investment Ltd for the purpose of making introductions to Nutmeg and distributing financial promotions. John Lewis Investments services are provided by Nutmeg Saving and Investment Limited; 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.

1. Promotion and Applicable T&Cs

1.1  John Lewis Nest Egg (“Nest Egg”) is a reward promotion whereby eligible participants (as defined in paragraph 3 below) who open a John Lewis Junior ISA (“JISA”) with John Lewis Investments, will receive cashback rewards of 1.25% into their John Lewis Nest Egg account when they make online purchases only through johnlewis.com and on the John Lewis mobile app (the “Nest Egg Reward”). Exceptions apply - please refer to paragraph 6.3 below.  Eligible participants who open a John Lewis JISA with the Nest Egg promotion will also benefit from a £50 activation bonus (the “Activation Bonus”).

1.2  The main agreement between you and John Lewis Investments is set out in the John Lewis Investments Standard T&Cs. The terms set out below are the “John Lewis Nest Egg T&Cs”. The John Lewis Nest Egg T&Cs set out additional terms. You should read both sets of T&Cs before opening a John Lewis Nest Egg JISA. 

1.3  The capitalised words in these John Lewis Nest Egg T&Cs have the same meaning as in the John Lewis Investments Standard T&Cs, unless they are expressly given a different meaning here.

1.4  If there is an inconsistency between (a) the John Lewis Nest Egg T&Cs; and (b) the John Lewis Investments Standard T&Cs, these John Lewis Nest Egg T&Cs will apply. 

1.5  By opening a John Lewis JISA with the Nest Egg promotion account via the dedicated webpage in accordance with paragraph 4 below, you are agreeing to be bound by these John Lewis Nest Egg T&Cs and the John Lewis Investments Standard T&Cs. 

2. Duration and Availability

2.1  John Lewis Nest Egg is a promotion and will be available to the first 1000 Eligible Participants or, from the 18th of May 2023 to the 18th of August 2023, whichever is reached first (the “Acquisition Period”).

2.2  After the Acquisition Period, John Lewis Investments may provide 60 days prior notice to Eligible Participants as to when John Lewis Nest Egg will close and when the Nest Egg  Reward will stop. From the closure date these John Lewis Nest Egg T&Cs will no longer apply. 

2.3  On the date  the John Lewis Nest Egg promotion ends , the John Lewis Nest Egg JISA will revert to the standard John Lewis Investments JISA under the John Lewis Investments Standard T&Cs.

2.4  The Nest Egg Reward will still be available during the 60 day notice period.

2.5  Activation Bonuses that are pending after the end of the Acquisition Period will still be paid to Eligible Participants.

2.6  Eligible Participants who successfully open a John Lewis JISA with the  Nest Egg promotion, will NOT be eligible to enter any future John Lewis Investments promotional prize draws which are for customers who have not previously invested with, or used the services of, John Lewis Investments.

3. John Lewis Nest Egg Eligible Participants

3.1  John Lewis Nest Egg is only available to “Eligible Participants”. Eligible Participants are individuals who, in addition to meeting the eligibility requirements in Sections 1.1 and 1.2 of the John Lewis Investments Standard T&Cs, at the date of opening their first John Lewis JISA with the Nest Egg promotion account:

a)  have not previously invested with, or used the services of, John Lewis Investments; and Nutmeg Saving and Investment Limited (“Nutmeg”), and

b)  are UK resident and are not a U.S. national; and

c)  open their first John Lewis JISA with a Nest Egg promotion during the Acquisition Period and invest a minimum of £50; and

d)  have an account with johnlewis.com and use the same email associated with their johnlewis.com account to sign up for a John Lewis Investment Account.

3.2  The Nest Egg Reward and Activation Bonus is not available with a John Lewis Investments ISA or General Investment Account or any other John Lewis investment product. The Nest Egg Reward and Activation Bonus is only available for the first John Lewis JISA opened by the Eligible Participant with the Nest Egg promotion. The Nest Egg Reward and Activation Bonus is not available for each subsequent John Lewis JISA opened by the Eligible Participant. 

3.3  If you are transferring a JISA from another provider, the ceding provider must also confirm the transfer and the funds must be in your John Lewis Nest Egg account within three (3) months of account opening for you to be considered an Eligible Participant. In addition, you must comply with all requirements set out in paragraph 3.1 above.  

3.4  By opening a John Lewis JISA with the Nest Egg promotion via the dedicated webpage in accordance with paragraph 4 below, you confirm that you are an Eligible Participant. If we find at any time during the promotion that you are not an Eligible Participant or have become ineligible during the course of the promotion, you will be immediately disqualified. If you become ineligible at any time during the promotion, please inform John Lewis Investments of the change in your circumstances. 

3.5  When a John Lewis JISA with the Nest Egg promotion is opened both Nutmeg and John Lewis are independent controllers of information relating to your eligibility for the Nest Egg  Reward and the Activation Bonus. Your associated email address and information including; account opening and closing dates and confirmation that the minimum investment amount has been met, will be sent to John Lewis plc to enable the calculation of qualifying spend for the Nest Egg Reward and eligibility for the Activation Bonus. 

4. How To Open A John Lewis JISA with the  Nest Egg promotion

4.1  In order to open a John Lewis JISA with the Nest Egg promotion and benefit from the Nest Egg Reward and the Activation Bonus, you must do all of the following during the Acquisition Period:

a) Open a John Lewis JISA with the Nest Egg promotion or complete an application to transfer an existing JISA with another provider to John Lewis Investments via the dedicated John Lewis Nest Egg webpage; and

b) Use the same email address as your johnlewis.com account to sign up for your John Lewis Investments Account; and

c) Fund your John Lewis JISA with the Nest Egg promotion or transfer in your existing JISA from another provider with the minimum investment amount of £50.

4.1  If you do not follow all of the steps in paragraph 4.1 correctly, we will not be able to apply the Nest Egg Reward or the Activation Bonus to your John Lewis Investment account.

4.3  If you notice that you have not signed up correctly and the Nest Egg Reward or the Activation Bonus has not been applied to your John Lewis Investment account, please contact us at johnlewisinvestments@nutmeg.com or call us on 020 3014 7485. 

4.4  We do not accept responsibility for your failure to successfully complete the steps at paragraph 4.1 or for any network, computer or software failures of any kind, which may result in the Nest Egg Reward or Activation Bonus not being validated.

5. John Lewis Nest Egg Activation Bonus

5.1  To receive the Activation Bonus, Eligible Participants must follow the steps in paragraph 4 above.

5.2  Eligible Participants will receive the Activation Bonus within 60 days from opening their John Lewis JISA with the Nest Egg promotion.

5.3  The Activation Bonus will be paid directly into your John Lewis JISA.

5.4  The Activation Bonus can only be paid once per Eligible Participant, and will be paid into the first John Lewis JISA which the Eligible Participant opens with the Nest Egg promotion.

6. Nest Egg Reward

6.1  To receive the Nest Egg Reward, Eligible Participants must follow the steps in paragraph 4 above.

6.2  The Nest Egg Reward will be activated once the first contribution into your JISA is invested.

6.3  Once the Nest Egg Reward is activated, Eligible Participants will receive 1.25% cashback of the total order value on John Lewis purchases by observing the following conditions:

i) Only online purchases through johnlewis.com or the John Lewis mobile app qualify for the Nest Egg  Reward. Purchases made in John Lewis stores do not qualify. Eligible participants must log in to their John Lewis accounts when shopping online or on the John Lewis mobile app.

ii) You must use the same email address to log into your John Lewis account and your John Lewis Investment account.

In case you do not follow the steps described above - you will miss out on collecting the Nest Egg Reward and this can not be added on manually at a later time. 

6.4  There is no limit on the type or value of your purchases on johlewis.com or the John Lewis mobile app for the Nest Egg Reward to apply, except for online John Lewis gift card purchases and the John Lewis Fashion rental service. However, if any suspicious activity is identified or it is found that you are misusing the scheme under the promotion - you will be immediately disqualified from earning any further rewards (detailed in paragraph 7.1. below).

6.5  The amount of the Nest Egg Reward will be calculated every month and will take into account the purchases for the previous calendar month that has ended.

6.6  The amount of the Nest Egg Reward will be transferred into your John Lewis JISA with the Nest Egg promotion  within the first 30 working days of each calendar month for the previous month. Your first Nest Egg reward can take up to 60 days to be transferred in. 

6.7  The Nest Egg Reward does not interfere with other John Lewis promotions unless specified otherwise.

6.8  If an item that is eligible for the Nest Egg Reward is returned, the value of the cashback originally received for that purchase will be adjusted against future cashback payments.

6.9  Each month, the amount of the Nest Egg Reward will be rounded up to the nearest pence.     

6.10  The Nest Egg Reward will be paid directly into the first John Lewis JISA which the Eligible Participant opens with the Nest Egg promotion and therefore will count towards your child's £9,000 annual tax-free JISA allowance. If your child also has a cash JISA with another provider, you should be mindful that the subscription limit is £9,000 across all JISAs. You should not subscribe more than the subscription limit in any tax year to the Junior ISA and any cash ISA that the child may hold. John Lewis Investments and Nutmeg shall not be held accountable for any Rewards that may be invested in this JISA or for ensuring that you are meeting your taxable limits. 

7. General Terms:

7.1  In addition to its rights in the John Lewis Investments Standard T&Cs, John Lewis Investments reserves the right to change, terminate or withdraw John Lewis Nest Egg, the Nest Egg Reward and/or the Activation Bonus:

i)  Immediately, at any time without prior 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 Nest Egg T&Cs; or

c)  unexpected operational constraints. 

ii)  immediately, at any time by providing notice on its website.

Where the Nest Egg Reward and/or the Activation Bonus is changed, terminated or withdrawn in accordance with this paragraph 7.1, these Nest Egg T&Cs will no longer apply. 

7.2  John Lewis Investments cannot be held responsible for any issue or delays in transferring your Junior ISA caused by the ceding provider.

7.3  John Lewis Investments charges management and other fees. The details are available here.

7.4  These terms and conditions shall be governed by English law, and the parties submit to the non-exclusive jurisdiction of the courts of England and Wales.

8. Beta Terms 

8.1  This clause (the "Beta Clause") applies to the Beta Programme offered by John Lewis Investments. The Beta Programme is being conducted for the purpose of testing the John Lewis Nest Egg JISA product, its services, features or functionality ("Beta Services"). Your participation in the Beta Programme as well as use of Beta Services is governed by these Beta Terms. By accepting these Beta Terms, you agree to be bound by the terms as set out in the Beta Terms.

8.2  You understand and acknowledge that the Beta Services are being provided as a "Beta" version and made available on an "as is" basis. Beta Services may contain bugs, errors, and other operating issues. You acknowledge and agree that you are using the Beta Services at your own risk and that you are solely responsible for any costs or expenses associated with your use of the Beta Services including without limitation, any costs incurred in connection with accessing the internet or using your device, setting up your JISA and any damage to any equipment, software, information or data.

8.3  The Beta Services are made available to you for the purposes of evaluation and feedback and without any compensation or reimbursement of any kind from John Lewis Investments.

8.4  You acknowledge and agree that all data and information made available or accessible through or in connection with or contained in a Beta Programme is commercially sensitive and confidential.

8.5  John Lewis Investments and Nutmeg will not be liable, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, for any special, indirect or consequential losses or for any:‎ (a) loss of profits, sales or business; (b) loss of opportunity;‎ (b) loss of anticipated savings or income;‎ (c) loss of or corruption of software, data or information, in each case whether direct or indirect and whether or not JL has been advised of the possibility of such loss or damage arising.‎

8.6  These Beta terms are applicable to anyone who has signed up for the product during the Acquisition Period. John Lewis Investments will notify you when the Acquisition Period comes to an end and this Clause 8 (Beta Terms) will no longer apply. Please note that the rest of the John Lewis Nest Egg T&Cs will continue to apply.