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DATA PROTECTION STATEMENT
The information you provide is subject to the Data
Protection Act 1998 (the “Act”). By using this site you
consent to us or any company associated with us
processing, both manually and by electronic means, your
personal data for the purposes of providing advice,
administration and management.
“Processing” includes obtaining, recording or holding
information or data, transferring it to other companies
associated with us, product providers, the FSA or any
other statutory, governmental or regulatory body for
legitimate purposes including, where relevant, to
solicitors and/or other debt collection agencies for
debt collection purposes and carrying out operations on
the information or data.
We may also contact you or pass your details to other
companies associated with us to contact you (including
by telephone) with details of any other similar
products, promotions, or for related marketing purposes
in which we think you may be interested.
The information provided may also contain sensitive
personal data for the purposes of the Act, being
information as to your physical or mental health or
condition; the commission or alleged commission of any
offence by you; any proceedings for an offence committed
or alleged to have been committed by you, including the
outcome or sentence in such proceedings; your political
opinions, religious or similar beliefs, sexual life; or
your membership of a Trade Union.
If at any time you wish us or any company associated
with us to cease processing your personal data or
sensitive personal data, or contacting you for marketing
purposes, please contact The Data Protection Officer on
0845 22 55 192 or in writing at 45 Market Street Hoylake
Wirral Ch47 2BQ.
You may be assured that we and any company associated
with us will treat all personal data and sensitive
personal data as confidential and will not process it
other than for a legitimate purposes. Steps will be
taken to ensure that the information is accurate, kept
up to date and not kept for longer than is necessary.
Measures will also be taken to safeguard against
unauthorised or unlawful processing and accidental loss
or destruction or damage to the data.
Subject to certain exceptions, you are entitled to have
access to your personal and sensitive personal data held
by us. You may be charged a fee (subject to the
statutory maximum) for supplying you with such data.
PAYMENT FOR SERVICES
We normally derive our income from commission paid to us
by life assurance companies and the operators of
collective investment schemes through which investments
are made. We shall tell you the amount of commission
payable to us on any such investment.
If we receive a commission or other form of benefit from
the issuer of a security or from another intermediary,
we will inform you, but we will not tell you its amount
unless you ask us to do so.
Alternatively, if you or we propose to operate on a fee
basis, we will agree its basis, frequency and method
with you in writing before we carry out any chargeable
work. Should we receive commission from any third party
in relation to transactions arranged for you, we will
offset the amount received against any fees due.
ACCOUNTING TO YOU
Unless in exceptional circumstances, we will confirm to
you in writing the basis or our reason for recommending
the transaction executed on your behalf.
We will also make arrangements for all your investments
to be registered in your name unless you first instruct
us otherwise in writing. We will forward to you all
documents showing ownership of your investments as soon
as practicable after we receive them; where a number of
documents relating to a series of transactions is
involved, we will normally hold each document until the
series is complete and then forward them to you.
INVESTMENT OBJECTIVES & RESTRICTIONS
Following the issue of this letter any subsequent advice
or recommendation offered to you will be based on your
stated investment objectives, acceptable level of risk
and any restrictions you wish to place on the type of
investments or policies you are willing to consider.
Details of your stated investment objectives will be
included in the suitability letter we will issue to you
to confirm our recommendation. Unless confirmed in
writing, to the contrary, we will assume that you do not
wish to place any restrictions on the advice we give