Legal

Privacy policy

unbiased.co.uk is operated by IFA Promotion Ltd under licence from unbiased.co.uk Limited ("we/us"). We are committed to protecting and respecting your privacy. This privacy policy explains what information we collect about you through our website and how we use that information and the procedures that we have in place to safeguard your privacy.

Cookies

We may obtain information about your general internet usage by using a cookie file which is stored on the hard drive of your computer. Cookies contain information that is transferred to your computer's hard drive. They help us to improve our website and to deliver a better and more personalised service.

You may refuse to accept cookies by activating the setting on your browser which allows you to refuse the setting of cookies. However, if you select this setting you may be unable to access certain parts of our website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you log on to our site.

Statistical information

We may use aggregate information and statistics for the purposes of monitoring website usage in order to help us develop unbiased.co.uk and our services and may provide such aggregate information to third parties. These statistics (e.g. IP address, operating system and browser type) will not include information that can be used to identify any individual.

Third Party Links

unbiased.co.uk contains links to websites owned and operated by third parties. If you follow a link to any of these websites, please note that they may have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.

Information we may collect from you if you are an advertiser

When you apply for a listing on unbiased.co.uk we may ask for the following details, to enable us to process your application effectively and to contact you in case of any query:

Forename and surname
Company name
Postal address
Position
Telephone number
Email and web addresses
Credit card details
Information about your business that you provide by filling in forms on unbiased.co.uk, or printed application forms

You may amend your listing at any time by logging on to your account and updating the relevant information or by telephoning our member hotline.

Information we may collect from you if you are a consumer

Only if you provide your email address to us during the search process (optional), we will hold your email address.

How we store the information we collect about you

Any information that relates to you personally will be collected, stored and otherwise processed by us in accordance with the Data Protection Act 1998 and other relevant rules and regulations.

All information you provide to us is stored on our secure servers. Any payment transactions will be encrypted using SSL (Secure Socket Layer) technology. All modern browsers have been designed to work with SSL and you will need to have at least one of the following to take advantage of this security - Internet Explorer 5.01, Netscape 4.77, Firefox 0.1, Mozilla 0.6, AOL 5, Opera 8, Safari 1.2. Where we have given you (or where you have chosen) a password which enables you to access certain parts of our site, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.

The transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to or from our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

How we use the information if you are an advertiser

We, and our agents and sub-contractors, use information held about you in the following ways:

To carry out our obligations to you and to process your application effectively
To ensure that content from our site is presented in the most effective manner for you and for your computer
To provide you with information, products or services that you request from us or which we feel may interest you, where you have consented to be contacted for such purposes
To allow you to participate in interactive features of our service, when you choose to do so
To notify you about changes to our service

We may also use aggregate information and statistics for the purposes of monitoring website usage in order to help us develop unbiased.co.uk and our services and may provide such aggregate information to third parties. These statistics (e.g. IP address, operating system and browser type) will not include information that can be used to identify any individual.

How we use the information if you are a consumer

We, and our advertisers, use information held about you in the following way:

To conduct surveys about your experiences of finding an adviser using our website and about your experiences of using the adviser thereafter, provided that you have consented to us doing so by providing your email address during the adviser search process. Your email address will never be used by us for any other purpose.

If you choose any of the options on our website such as 'Call me back' or 'Send an e-mail', you will choose to provide to your chosen adviser one or more of the following:

Name
Email address
Telephone number

Unbiased.co.uk will not have access to this personal information and will not have any responsibility for how the adviser uses it. Advisers are subject to Data Protection regulations and are responsible for protecting and using your data according to those regulations.

Disclosure of the information within our group

We may disclose your personal information to any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries.

If you are an advertiser, we will use your personal information to send you information about products and services of ours and any other companies in our group which we think may be of interest to you. This may include contacting you by post, telephone and email. If you have consented to receive such information you may opt out at any time by logging on to your account or via the 'contact us' section.

Disclosure of the information to third parties

If you are a consumer we will not share your personal information with anyone unless we are under a legal obligation to do so or in order to enforce our terms of use.

If you are an advertiser:

we may share your personal information with other companies so that they may send you information about their products and services. If you have consented to us sharing your personal information in this way you may opt out at any time by logging on to your account or via the 'contact us' section.
we will share your information if we are under a legal obligation to do so or in order to enforce our terms of use.

Advertisers' public information

Listings information submitted for display on the unbiased.co.uk website is information intended for the public domain and therefore cannot be classed as private. If we request any information which could be classed as private, we will make you aware of this at the time of submission.

By submitting your listings information to unbiased.co.uk, you give us unconditional permission to use this information regardless of any moral rights, copyright, service mark, trade mark or patent laws. Further, you allow us to publish, modify, edit, translate, distribute and otherwise reproduce the information in whatever format we choose.

Transfers out of the European Economic Area ("EEA")

The data that we collect from advertisers only may be transferred to, and stored by us at, a destination within the EEA.

Your Consent

By advertising with or otherwise using unbiased.co.uk, you consent to your information being gathered and used in the ways described in this policy.

If we change our privacy policy we will post the changes on this page, and may place notices on other pages of our website, so that you may be aware of the information we collect and how we use it at all times. Continued access to and use of the website will signify that you agree to any such changes.

However, if you change your mind about the way you have agreed your data can be used, just let us know via the 'contact us' section. The consent given in this paragraph extends to any individual applying for a listing on unbiased.co.uk, as well as to any individual representing or otherwise employed by or contracted to any company, firm or organisation applying for a listing on unbiased.co.uk to the extent that such individual's data forms part of such listing, and you confirm that all such individuals have given their consent to their information being gathered and used in the ways described in this policy.

Updating your information

If any of the information that you have provided to us changes, for example if you change your email address, name or payment details, please amend your details by logging on to your account or via the 'contact us' section.

How to contact us

We welcome your views about this site and our privacy policy. If you would like to contact us with any queries or comments please see the 'contact us' section on our website.

Website disclaimer

This web-site (www.unbiased.co.uk) is run by IFA Promotion Limited. It contains information on Independent Financial Advisers, mortgage brokers, and solicitors who provide advice and services in the UK. The information is directed only at persons in the UK and the financial information is approved by a person authorised and regulated by the Financial Services Authority.

IFA Promotion, unbiased.co.uk and the owners of any other web-site through which this information can be obtained do not endorse or approve any of the mortgage brokers or Independent Financial Advisers or solicitors listed in the directory or any advice that they may provide.

The materials contained in www.unbiased.co.uk are provided for general information purposes only and do not constitute professional advice. IFA Promotion and unbiased.co.uk do not accept any responsibility for any loss, which may arise from the reliance on information contained in this site and accept no responsibility for information provided by third parties as any links to third party sites are provided solely as a convenience to users and at your own risk.

IFA Promotion and unbiased.co.uk give permission for the downloading, printing, and temporary storage of one or more of the documents or pages retained on this website for personal use or internal business use. The reproduction or transmission of the contents of this website is prohibited without the prior written consent of IFA Promotion Limited.

TERMS OF USE

unbiased.co.uk ("Website") is operated by IFA Promotion Ltd under licence from unbiased.co.uk Limited (jointly and severally (as applicable) "we/us/our").

IFA Promotion Ltd is a company limited by guarantee registered in Scotland with company number 114606 and registered office at 90 Vincent Street, Glasgow G2 5UB. We are not required to be regulated by the Financial Services Authority.

Application of these Terms of Use

These Terms govern the access and use of our Website by each visitor to the Website ("you" or your"). If you do not agree to be legally bound by these Terms then you must not use our Website. We reserve the right at any time without notice to revise the content of these Terms by posting any changes to this page. Such revised Terms will be effective immediately they are posted and you are expected to check this page from time to time to take notice of any changes. By continuing to use our Website you are bound by all such revised Terms.

Your attention is drawn in particular (without limitation) to the sections headed "General disclaimer", "Specific disclaimers" and "Exclusion of liability".

Access to the Website

If the need arises, we may, without notice, suspend access to the Website, on a temporary or permanent basis (including without limitation if you breach these Terms or if we need to revise the content of our Website) and we reserve the right to amend the content of the Website or to withdraw or amend the service we provide on the Website without notice. We will not be liable if for any reason our Website is unavailable at any time or for any period.

Links to other sites

Certain links, including hypertext links, on our Website will take you outside our Website. Such links are provided for your convenience and information only and inclusion of any link does not signify express or implied endorsement or approval by us of the linked site, its operator or its content. We are not responsible for the content of any linked Website and accept no responsibility for any errors, omissions or misleading statements on any such linked site or for any loss or damage that may arise from your use of the same.

Advertising

Our Website contains advertising content. Any such advertisers are solely responsible for ensuring that all material included in our Website is accurate and up to date and complies with all applicable laws, regulations and codes of practice. Please see these relevant advertisers' sites for any applicable privacy statements or other relevant terms and conditions.

Acceptable use of our Website

You agree to abide by all applicable laws, regulations and codes of conduct in force from time to time in respect of your use of our Website. 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 site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of-service attack or in any other way interrupt or attempt to interrupt the operation of our Website.

You cannot use the website to create, check, confirm, update or amend your own or someone else's databases, records, directories, customer lists, mailing or prospecting lists (data mining). You may find that you are blocked from using the website if you appear to us to be contravening this term.

No commercial use

Except as provided below and subject always to the section below headed "Intellectual property rights", you agree that you will use our Website only for your internal business purposes and that you will not use our Website or any of its contents for any commercial purpose.

The merchandise section of this site is only available to you if you are an independent financial adviser and a full member of IFA Promotion. Separate Merchandise Terms will govern your purchase of any of our products.

Use of your information

You agree that we may collect, store, and use information about you in accordance with our Privacy Policy. You acknowledge and agree to be bound by the terms of our Privacy Policy as amended from time to time. You warrant that all data provided by you is accurate.

General disclaimer

We provide this Website and its content on an 'as is' and 'as available' basis and give no representations, guarantees or warranties of any kind, whether express or implied, with respect to this Website or its contents or that its operation will be virus free or uninterrupted. In particular, without limitation, we give no representation or warranties about the accuracy, completeness, or suitability for any purpose of the information published on our Website. The information contained in the brochures and fact sheets available on the Website is intended for general information purposes only and sets out our understanding of any chosen subject matter at the time of first publication. It is not intended to constitute advice or guidance upon which you may rely and is not a substitute for professional, financial or tax advice based on your personal circumstances.

All users are advised to seek independent professional advice before acting on anything contained in our brochures, factsheets or other material contained on our Website. The information:-

may be incorrect or out of date; and/or
may not constitute a complete or definitive statement of the law or any tax issues.

Specific disclaimers

Without prejudice to the "General disclaimer" in the above section, information contained in the "Independent Financial Advisers directory" and the "Find a Mortgage Broker" service has been provided by each of the independent financial advisers and mortgage brokers concerned. The information is directed only at persons in the UK and is approved by a person authorised and regulated by the Financial Services Authority. Although we run weekly checks to verify the data it is not practicable for us to independently verify all the data provided. We do not endorse or approve any of the mortgage brokers or Independent Financial Advisers listed in the directories or any information or advice that they may provide and we accept no responsibility in respect of the same.

Without prejudice to the "General disclaimer" in the above section, information contained in the "Find a Solicitor" service has been provided to us by the company, firm or organisation concerned and is published on our Website in good faith for your information only. We do not conduct any checks or independent review of the information submitted, including without limitation as to whether a named individual is competent to practise a particular area of law. It is not possible for us to undertake any checks against the database operated by the Solicitors Regulation Authority and/or The Law Society and, accordingly, you must not rely on the information contained on our Website and you are strongly advised to verify that information directly with the company, firm or organisation concerned.

Exclusion of liability

Your use of our Website, and of any links to third parties sites, is at your sole risk. To the fullest extent permitted by law, neither we nor any of our directors, employees or other representatives will be liable for any loss or damage arising out of or in connection with your use of this Website or reliance on any information available on the Website or any third party site linked to this Website. This is a comprehensive exclusion of liability that applies to all damages of any kind, including without limitation compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property and claims of third parties.

Notwithstanding the foregoing, none of the exclusions and limitations contained above affects any statutory rights you may have as a consumer or our liability for:-

death or personal injury resulting from our negligence or that of our employees or agents;
fraud or fraudulent misrepresentation; or
any other matter which cannot be excluded or limited.

Intellectual property rights

We are the owner or the licensee of all intellectual property rights (including without limitation copyright, and registered and unregistered trade marks and designs) in our Website and in the material published on it, including without limitation all copyright in the design, text, graphics software and other material on our site and the selection or arrangement thereof. Permission is granted to electronically copy and print in hard copy extracts from our Website for your personal reference solely in connection with the acquisition of goods or obtaining information through our site. Any other use of materials on our site (including without limitation use or reproduction for purposes other than those set out above and any alteration, modification, distribution, or republication of materials) is strictly prohibited without our prior written permission.

We are the proprietor of the Independent Financial Adviser (IFA) logo which is a registered trade mark (text and logo) in the UK, as well as other registered trade marks including Independent Mortgage Adviser (text and logo), Authorised Financial Adviser £ (text and logo), Authorised Financial Adviser £ unbiased.co.uk (text and logo) and Authorised Financial Adviser £ impartial.co.uk (text and logo). All other trade marks, product names and company names or logos used on our Website are the property of us or our licensors. No permission is given by us in respect of the use of any such trade marks, get-up, product names, company names, logos or titles and such use may constitute an infringement of our or our licensors' rights. IFA members who order our merchandise have a limited non-exclusive licence to use the IFA logo on the terms set out in the Merchandise Terms.

Governing law and jurisdiction

These Terms are governed by English law and the English courts have exclusive jurisdiction in respect of these Terms and their subject matter.

Concerns

If you have any concerns about material which appears on our Website, please see the 'contact us' section on our Website.

Registered office: IFA Promotion Ltd, 90 St Vincent Street, Glasgow G2 5UB

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