Legals

Privacy Policy

Unbiased.co.uk is operated by Unbiased Ltd under licence from unbiased.co.uk ltd ("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

This website uses cookies.  When we provide services, we want to make them easy, useful and reliable.  Where services are delivered on the internet, this sometimes involves placing small amounts of information on your device, for example, computer or mobile phone.  These include small files known as cookies.

What are cookies?

Cookies are small text files that are stored on your computer which are created by your browser when you load a particular website.  Cookies are also created by your browser when you click on adverts from third party providers such as Google and affiliate websites.  They cannot be used to identify you personally.

How do we use cookies?

We use cookies for the following reasons:

  • To monitor customers’ journey and, in the case of professional advisers only, to record sales; this enables us to identify issues and improve the customer journey.

Name: __utm* (Google Analytics)
Typical content: numbers identifying unbiased.co.uk to Google
Expires: up to 2 years

  • To record the areas of the site you have visited which helps us to deliver the appropriate services to you, to improve and to develop the products and services that we offer

Name: poll_voted (various)
Typical content: percentage
Expires: 2 months from start

Name: phpsessid
Typical content: randomly generated number
Expires: browser close

  • To ensure that goods and services purchased by professional advisers are placed into your shopping basket and your order is processed correctly

Name: SESS*
Typical content: randomly generated number
Expires: browser close

* Indicates various random alphanumeric values possible for these cookies.

Our advertisers and payment services providers may also send you cookies.

Removing cookies

You may change your website browser settings to reject cookies.  The Help menu on the menu bar of most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie and how to disable cookies altogether.  Additionally, you can disable or delete similar data used by browser add-ons, such as Flash cookies, by changing the add-on's settings or visiting the website of its manufacturer.  Please note without cookies you may not benefit from all the functionality available on our website or access some parts of the 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
  • Job title
  • Telephone number
  • Email and web addresses
  • Credit card and/or bank details
  • Information about your professional profile and your business that you provide by filling in forms on unbiased.co.uk, or printed application forms

You will be entirely responsible for the content of your advert, as more fully set out in the terms and conditions for advertising services which are available in full when you register or log into the advertiser pages of the website.  You may amend your listing at any time by logging on to your account and updating the relevant information or by telephoning our contact centre.

How we store the information we collect about you if you are an advertiser

We take your online security seriously.  Full details of how we protect the information you provide us are given below:

  • For professional advisers who pay to advertise on our website, when you register your advertisement and the details relating to it, the secure server software encrypts all information you input.
  • As an additional security measure, credit card numbers are encrypted both before an order is processed and when stored on our database.
  • We comply with the standards, procedures and requirements laid down in the UK Data Protection Acts 1984 and 1998 to ensure that your personal information is kept secure and processed fairly and lawfully.

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.

We do not collect any credit card or other payment information from consumers.

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

If you choose any of the options on our website such as 'Request a call 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 securely stores this information so that if requested by the adviser you chose to contact we can provide the details to them again.  The data is securely destroyed after a reasonable period of time.

We do not have any responsibility for how the adviser uses the data you provide to them; however advisers are also 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.

Disclosure of the information to third parties

If you are a consumer we will not share your personal information with anyone other than the adviser or advisers you yourself have chosen to disclose that information to, 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.
  • 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.  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, let us know by logging on to your account to change your preferences.  The consent given in this paragraph and under the terms and conditions which apply to your advertisement extend 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.

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, the terms and conditions of your advertisement require you to update your details by logging on to your account.

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 website (www.unbiased.co.uk) is run by Unbiased Ltd under licence from unbiased.co.uk ltd.  It contains information on independent financial advisers, financial advisers, mortgage advisers, solicitors and accountants who provide advice and services in the UK.  The information is directed only at persons in the UK.

Unbiased Ltd, unbiased.co.uk and the owners of any other website through which this information can be obtained do not endorse or approve any of the independent financial advisers, financial advisers, mortgage advisers, solicitors or accountants listed in the directory or any advice that they may provide.  While unbiased.co.uk undertakes a number of checks to ensure that information provided through its search is correct, it is your responsibility to satisfy yourself that the adviser you see is independent for the business you are transacting.  Any decision to transact business with an adviser is made by you on the basis of your own enquiries.

The materials contained in www.unbiased.co.uk are provided for general information purposes only and do not constitute professional advice.  Unbiased Ltd and unbiased.co.uk do not accept any responsibility for any loss, which may arise from 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.

Unbiased Ltd 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 for the purpose of finding professional advisers for your business only, and for no other purpose.  The reproduction or transmission of the contents of this website is prohibited without the prior written consent of Unbiased Ltd.

 

Terms of Use

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

Unbiased Ltd is a company registered in England under number 6775878, whose registered office is c/o AFP Services Ltd, Satra Innovation Park, Satra House, Rockingham Road, Kettering, Northants, NN16 9JD.  Unbiased.co.uk Ltd is a company registered in England under number 5739548, whose registered office is c/o AFP Services Ltd, Satra Innovation Park, Satra House, Rockingham Road, Kettering, Northants, NN16 9JD. 

Application of these Terms of Use

These Terms govern the access to 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 may 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.  If you visit the website of one of our advertisers, you should also view their own 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 Website, the server on which our Website is stored or any server, computer or database connected to our site.  You must not attack our Website 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 not use the functionality within the Website to contact advisers for your own commercial purposes.  You may find that you are blocked from using the Website if you appear to us to be contravening these terms.  If you are blocked from the website, you will receive a message displayed on screen informing you that you are blocked. If you believe that you have not been misusing the website, you should telephone 020 7107 2060 to request that the block be removed, but the decision to remove any block will be at our sole discretion.

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 personal or internal business purposes and that you will not use our Website or any of its contents for any commercial purpose.

The ‘advertise with us’ section of this site is only available to you if you are a professional adviser eligible to advertise with Unbiased Ltd.  Full Terms and Conditions for placing an advertisement can be found in the relevant section of this website.

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 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, legal or tax advice based on your personal circumstances.

All users are advised to seek independent professional advice before acting on anything contained in our 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 professional advice search services has been provided by each of the professional advice advisers.  The information is directed only at persons in the UK.  Although we run weekly checks to verify financial adviser data against FSA/FCA records, it is not practicable for us to independently verify all the data provided.  We do not endorse or approve any of the professional advisers listed in the directories or any information or advice that they may provide and we accept no responsibility in respect of the same.  Accordingly it is your responsibility to satisfy yourself that the adviser you see is independent for the business you are transacting. Any decision to transact business with an adviser is made by you on the basis of your own enquiries.

Exclusion of liability

Your use of our Website, and of any links to third party 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

Except for any content contained within advertisements placed on our site by professional advisers, 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.

Where our advertisers have included intellectual property such as trademarks and logos within their own advertisements placed on our site, they have warranted to us that they are the owner or licensee of such intellectual property.  If you believe that your intellectual property rights are being infringed by the content of any of the advertisements on the site, you should address such matters to the advertiser in the first instance.

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 trademarks.  With the exception of any content within advertisements placed on our site by professional advisers, all other trademarks, 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. IFAs who are registered on our Website have a limited non-exclusive licence to use the IFA logo as set out in the terms and conditions for advertising services.

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: Unbiased Ltd, c/o AFP Services Ltd, Satra Innovation Park, Satra House, Rockingham Road, Kettering, Northants, NN16 9JD.  Registered company number 6775878.