Terms, Conditions and Legal Information
Please read this information carefully. Access to this website is confirmation that you have understood and agree to be bound by all of these terms and conditions. The information provided on this website is for the use of residents of the United Kingdom.
TERMS & CONDITIONS
- We do our best to ensure that the website operates properly at all times, but we make no warranties as to the availability or accessibility of the website, and (save as otherwise set out in these terms and conditions) we will not be liable for any damages, loss, costs or expenses incurred by you as a result of any lack of availability or accessibility of the website.
- Nothing within these conditions operates so as to exclude, limit or restrict our liability for death or personal injury.
- Where you deal as a consumer, nothing in the above exclusions affects your statutory rights.
- All Intellectual Property Rights and goodwill in or relating to the contents of the website belong to ourselves or to our suppliers.
Nothing contained in these conditions or the website should be construed as granting by implication, estoppel, personal bar, or otherwise, any licence or right to use any of the trade marks without our permission. However, copying and printing of those web pages which contain the trademarks is permitted within the scope of the licence below.
You may download to a local hard disk and print extracts from the website solely for personal, non-commercial use. You may also recopy downloaded extracts to others for their personal, non-commercial use.
You may not reproduce part or all of the contents of the website in any form unless it is for personal, non-commercial use.
You may not copy or otherwise incorporate into or store in any other website, electronic retrieval system, publication or other work any of the content of the website in any form (whether hard copy, electronic or other).
You may not frame or link to the website or any part of it without our express permission.
SITE DISCLAIMER
The information published on this website is provided as a convenience to visitors and should be used for information purposes only and is subject to change without notice. None of the information contained in this website constitutes financial or other professional advice in any way. If you require additional information, you should contact one of our personnel.
While we use reasonable efforts to ensure that the information contained on this website is current and accurate at the date of publication, no warranties are made, either expressed or implied, as to reliability, accuracy or completeness of the information. We accept no liability for any loss arising directly or indirectly from the use of or action taken in reliance on such information. These documents should not be copied, reproduced or redistributed, in whole or in part.
No warranty is given as to the freedom of this website from errors, defects, viruses, malicious programs or macros. Links from this website exist for information only and we accept no responsibility or liability for the information contained on any such site. The existence of a link to another website does not imply or express endorsement of its provider, product or services by us or St. James’s Place. Links to this website are not permitted without our prior written consent. Please note that clicking on links to external websites will cause you to leave this website.
PRIVACY
Frederick Charles Wealth Management is committed to protecting the privacy of its users and we therefore ask that you please read our Privacy Policy before providing us with any information about you or any other person (“Personal Information”).
Our Use of Your Personal Information
We are happy to provide you with details of the Personal Information, which we process about you. To protect our customers’ personal information, we follow strict storage and disclosure procedures, which mean that we will require proof of identity from you prior to disclosing such information. We may charge a small administration fee in relation to any requests for access to personal information.
Frederick Charles Wealth Management Ltd (Company No. 10829230) has its registered office at 36 Cleveland Drive, Westcliff on Sea, Essex, SS0 0SU. Frederick Charles Wealth Management Ltd Head Office: Fredrick Charles House, 4a Market Hill, Maldon, Essex, CM9 4PZ. For the purpose of the Data Protection Act 1998 the data controller is: The Data Protection Officer, Fredrick Charles House, 4a Market Hill, Maldon, Essex, CM9 4PZ., United Kingdom.
Cookies
The Frederick Charles Wealth Management website and content provided by Asset.tv uses cookies – small text files that are stored on your computer or in your browser – to help us to monitor how visitors use our site and allow us to maintain the optimum experience for website users. The website does not store or capture personal information about you when you visit it, it merely records traffic information. This means information about all of our visitors collectively, for example the number of visits the website receives. In order to respect our visitors’ rights of privacy, this information is anonymous and no individual visitor can be identified from it.
You can disable and delete cookies by changing the appropriate setting within your browser’s ‘Help’, ‘Tools’ or ‘Settings’ menu. Please note that by disabling cookies you may not benefit from some of the features of our site. You can find out more about deleting or controlling cookies by visiting aboutcookies.org.
Google Analytics
This website uses Google Analytics, a web analytics service provided by Google, Inc. (“Google”). Google Analytics uses cookies (text files placed on your computer) to help the website operators analyse how users use the site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. Google will not associate your IP address with any other data held by Google.
In addition, we use Google’s remarketing technology to advertise online. In doing so, Google will place or read a unique ad-serving cookie on your computer and will use non-personal information about your browser and your activity on our sites to serve ads on their content network. Please click here for more information about remarketing or to opt-out of the Google remarketing cookie.
We will only collect personal information about you if you send us an e-mail enquiry via the ‘contact us’ facility or you register to receive your Unit Trust Manager’s Reports by email. In order for this to happen, you will need to fill out the on line ‘contact us’ form or complete the registration details. The type of information being collected for an enquiry will be apparent from the layout of the ‘contact us’ form, which also tells you how this information will be used. The type of information collected to register to receive the Unit Trust Manager’s Reports by email will be apparent from the details requested when you register. The information collected when you register will only be used to email your Unit Trust Manager’s Reports and for no other reason.
We take all reasonable precautions to protect our visitors’ information, both on and off line. If your personal information changes, please let us know and we will correct, update or remove any information that we hold about you on our active databases. We may however need to retain archive copies of that personal information for legal or audit purposes. If you have any queries regarding the way in which Frederick Charles Wealth Management handles data collected from you on this website, please visit the contact us page.
By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out in the above four paragraphs.
When might we disclose your personal information to others?
Please be assured that except for the reasons listed below, we will not disclose your personal information to others.
We may disclose your personal information to others in the following circumstances and/or for the following purposes:
Where it is necessary for the provision of information or services to you
Where we are required to do so by the courts or to comply with other legal, statutory and/or regulatory obligations including accounting and taxation requirements
To prevent and/or detect crime
Where we believe that you may be interested in the services offered by other organisations including our group companies. Please contact us if you would like details about these companies. If you do not wish to receive direct marketing from Frederick Charles Wealth Management, please write to us at Fredrick Charles House, 4a Market Hill, Maldon, Essex, CM9 4PZ.
For credit reference purposes Personal information collected from you so that you may receive your Unit Trust Manager’s Reports by email will only be disclosed to third parties who process this information on our behalf for administrative purposes; where we are required to do so by the courts or to comply with other legal, statutory and/or regulatory obligations including accounting and taxation requirements and to prevent and/or detect crime.
Monitoring
Please note that if you communicate with us electronically, including by e-mail, telephone or fax, this communication may be randomly monitored and/or recorded to protect the interests of our business and our customers. This includes for the purposes of maintaining customer/service quality standards, detection of and/or prevention of crime and to ensure that Frederick Charles Wealth Management employees comply with legal obligations and policies and procedures (including our customer relations practices).
Hyperlinks
We may provide hyperlinks from this website (‘the Site’) to websites of other organisations including websites of associated companies. Please note that this Privacy Policy applies only to this Site and that Frederick Charles Wealth Management will not be liable for the contents of linked websites or any transactions carried out with organisations operating those websites.
Information Updates
Please help us to keep your Personal Information current and accurate by contacting us if your Personal Information is or becomes inaccurate and/or out-of-date.
Contacting Us
If you do not want us to use your Personal Information in the manner set out in this Privacy Policy, need to advise us of any changes to your personal information, or would like any more information about the way in which we collect and use your Personal Information, please contact us at Frederick Charles Wealth Management, Fredrick Charles House, 4a Market Hill, Maldon, Essex, CM9 4PZ or by telephone on 01621 735000.
Security
At Frederick Charles Wealth Management, we take our responsibility to look after your personal information and privacy seriously. In today’s world, we have all seen a growing trend in cybercrime and security breaches. We have a number of security measures in place to help prevent fraud and cybercrime.
We have a dedicated group, the ‘Information Security Oversight Committee’, that provides oversight and guidance to our information security and privacy programme.
We educate and train our employees, Partners and contractors on their information security, fraud prevention and privacy obligations annually.
When you login, or send us information on the internet we protect the security of this information while it is being transmitted by encrypting it using Secure Sockets Layer (SSL).
We will always interact with you in a safe, secure and consistent manner.
We continually review our physical and logical security controls in place across the business.
We conduct security testing of our applications and services in a controlled testing environment before they are made available for our Clients to use.
We have a business resiliency plan with a disaster recovery and business continuity testing.
However, whilst we take appropriate technical and organisational measures to safeguard your personal data, please note that we cannot guarantee the security of any personal data that you transfer over the internet to us.
Changes to this Privacy Policy
This Privacy Policy will change from time to time, and you should check the Site on a regular basis to ensure that you are aware of our most recent policies (including this Privacy Policy and the Terms relating to your use of the Site).
User declaration
By providing Frederick Charles Wealth Management with any Personal Information you consent to the use of your Personal Information for the purposes and in the manner set out in this Privacy Policy.