Provided by Holborn Financial Ltd Independent Financial Advisor

Terms and Conditions and Privacy Policy

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Terms and Conditions

Before using this website it is recommended that you carefully read the important information detailed below. Please read the following terms and conditions carefully as your continued use of this website indicates your acceptance of such terms and conditions of use. If you have any questions about them or do not wish to accept them, please contact our customer services department at advice@mypensionadvice.com before using this website. If you do not accept these terms and conditions, please do not continue to use this website.

Please note that our Privacy Policy forms part of these terms and conditions.

All communications regarding this website should be addressed to Mr G Porritt at the registered address.

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Information about us

We are Holborn Financial Limited, a limited liability company Registered in England and Wales under Registered Number 03247997. The Registered Office is Grosvenor House, 18-20 Ridgway, Wimbledon, London. SW19 4QN

Holborn Financial Limited is Authorised and regulated by the Financial Conduct Authority.

You can contact us by e-mail at advice@mypensionadvice.com.

Complaints procedure

In the unlikely event that you have a complaint about us please contact the Complaints Manager, Holborn Financial Limited, 18-20 Ridgway, Wimbledon, London. SW19 4QN

Your use of this website and our intellectual property rights

We have made this website available to you for your own personal non-commercial use. We may modify, withdraw or deny access to this website at any time, including introducing charges for its use or other restricted access.

This website and all the materials contained in it are protected by intellectual property rights including copyright and are owned and controlled for these purposes by Holborn Financial Limited or used under licence by us. Materials include, but are not limited to, the design, layout, look, appearance, graphics and documents on the website, as well as other content such as articles, stories, other text and photographs displayed on this website from time to time.

All trademarks, names and logos are the property of Holborn Financial Limited.

You may not copy, redistribute, republish or otherwise make the materials on this website available to anyone else unless consent in writing is first obtained from Holborn Financial Limited.

You may print or download materials from this website for your own personal use, non-commercial use or copy the content to other individuals for their personal information provided that:

  • no materials are modified in any way;
  • no graphics are used separately from accompanying text;
  • our copyright and trademark notices appear in all copies and you acknowledge this website as the source of the material; and
  • the person to whom you are providing these material is made aware of these restrictions.

Nothing in the aforesaid in any way confers on you any licence or rights under any trademarks, names or logos of Holborn Financial Limited.

Any infringement of the aforementioned rights will be dealt with by using the appropriate legal remedies.

Our liability to you

These terms and conditions do not exclude our liability (if any) to you for:

  • personal injury or death resulting from our negligence;
  • fraud;
  • any matter which it would be illegal for us to exclude or to attempt to exclude our liability.

We do not guarantee that this website will be compatible with all or any hardware and software which you may use. We do not guarantee that this website will be available all the time or at any specific time. We reserve the right to withdraw or modify this website at any time (see further below).

We are only liable to you for losses which you suffer as a result of a breach of these terms and conditions by us. We are not responsible to you for any losses which you may incur which were not a foreseeable consequence of us breaching these terms and conditions, for example if you and we could not have contemplated those losses before or when you access this website. Our liability to you shall not in any circumstances include any business losses that you may incur, including but not limited to lost data, lost profits or business interruption.

Information on this website

The information contained on this website is given for general information and interest purposes only. Whilst we try and ensure the information contained on the website is accurate and up to date, we cannot be responsible for any inaccuracies in the information. As a result, you should not rely on this information, and we recommend that you take further advice or seek further guidance before taking any action based on the information contained on this website. Our liability to you as explained above remains unaffected by this.

Incoming e-mail

Holborn Financial Limited cannot guarantee that any e-mail sent to us will be received, or that the contents will remain private during transmission. Other means of correspondence should be utilised if this is of concern to you.

Outgoing e-mail

Any e-mail and/or attachments from Holborn Financial Limited will be scanned for the presence of computer viruses, but neither Holborn Financial Limited will accept responsibility for any virus or defect. The e-mail and/or any attachments transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. They may contain legally privileged information and may not be disclosed to anyone else. If you have received an e-mail in error, please notify the sender immediately and delete all copies from your system.

Website Content

Holborn Financial Limited reserves the right to remove or amend any of the content which appears on any page of this website, including these terms and conditions and the Privacy Policy, at any time and without notice. Where changes to the important information are made, your continued usage of the website will signify your acceptance of any revisions. You should check this page from time to time to review these terms and conditions to ensure you are happy with any changes.

Holborn Financial Limited use all reasonable skill and care in compiling the information on this website. However, errors or omissions in the information may occur because of a number of factors, which are inherent in any internet access system and are not within either Holborn Financial Limited’s reasonable control. For example, unauthorised access to this service, or the effects of machine, software or operator error or malfunction in connection with data transmission. This service is accurate only on the date that such information is supplied by Holborn Financial Limited via its internet service. Holborn Financial Limited advise you to confirm the accuracy of any information with either Holborn Financial Limited before seeking to rely on such information.

Whilst both Holborn Financial Limited have endeavoured to ensure that all the information within this website is factually correct, clear, fair and not misleading, neither Holborn Financial Limited accept any responsibility for the content of this website. Consequently Holborn Financial Limited will not, save as noted above, accept any liability for any loss or damage howsoever caused as a result of genuine errors or omissions on the website. For full details of our liability to you please see the section above headed ‘Our liability to you’.

Third party websites

Holborn Financial Limited cannot control the contents of any third party website and as such will accept no responsibility for the content, layout or functionality of any other website. It is your responsibility to check the terms and conditions and privacy policy on any other website which you visit. However, Holborn Financial Limited will endeavour to ensure that you are made reasonably aware when leaving our website.

You may not link to this website from another website unless consent in writing is first obtained from Holborn Financial Limited.

Validity of important information

If any of our terms and conditions are deemed unenforceable the remaining terms and conditions will not be affected.

Contracting online

Nothing on this website is intended to be nor should be construed as an offer to enter into a contractual relationship with you or anyone else, except for these terms and conditions which govern the relationship between us in relation to your use of the website.

If you make a contract with a third party who is named or referred to on this website, it is your responsibility to ensure that you are comfortable with the terms of that contract and to take legal advice if necessary.

Governing law and jurisdiction

The formation, existence, construction, performance, validity and all aspects whatsoever of these terms and conditions or of any term of these terms and conditions will be governed by the law of England and Wales.

The English and Welsh courts will have exclusive jurisdiction to settle any disputes which may arise out of or in connection with these terms and conditions or use of the website.

Privacy Policy

This policy sets out how we use and protect any personal information that you give us when you use this website. If you have any questions about this policy or do not agree with it, please contact our customer services department at advice@mypensionadvice.com before using this website.

We may change this policy from time to time by updating this page. You should check this page from time to time to ensure you are happy with any changes.

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Policy statement

Holborn Financial Limited may need to collect and use personal data on this website in order to transact customer’s requests effectively. Holborn Financial Limited acknowledge that the proper treatment of personal data is very important to successful transactions as well as ensuring customer satisfaction.

Any personal data which we collect, record or use in any way whether it is held on paper, on computer or other media will comply with the Data Protection Act 1998. We endorse and adhere to the Data Protection Principles as set out in the Data Protection Act 1998. These 8 principles are:-

  • fairly and lawfully processed
  • processed for limited purposes and not in any other way which would be incompatible with those purposes
  • adequate, relevant and not excessive
  • accurate and kept up to date
  • not kept for longer than is necessary
  • processed in line with the data subject’s rights
  • kept secure
  • not transferred to a country which does not have adequate data protection laws

When we collect any personal data from you, we will inform you why we are collecting your data and what we intend to use it for.

What information do we collect?

In general, you can use this website without giving us any information. However, additional services may be available if we have certain information about you.

We may collect your name and contact information, including e-mail address, your occupation and your date of birth.

What do we do with the information we collect?

We use this information to provide you with a better service, and in particular for the following reasons:

  • internal record keeping;
  • to improve our products and services;
  • to contact you for market research purposes.

We may contact you by e-mail, phone or mail, unless you have registered with the appropriate Preference Service.

Direct Marketing

We would like to provide you with information about new products, promotions, special offers and other information which we think you may find interesting. We may send you such information by mail, telephone, unless you have registered with the appropriate Preference Service. When you provide us with information, you will be given the option to let us know that you do not want your information used for direct marketing purposes. If you request this option, we will not send you any direct marketing.

You can change you mind at any time by contacting our Data Protection Compliance Officer at Grosvenor House, 18-20 Ridgway, Wimbledon, London. SW19 4QN.

E-mail marketing

We would also like to provide you with the information above by e-mail. However, we appreciate that e-mail spam has become a problem in recent years.

If you are a customer or you have previously asked us for information on our products, we may send you information on our range of products by e-mail, unless you have asked us not to do so.

If the reason you have given us personal information is to receive e-mail information from us, we will continue to provide this information by e-mail unless you ask us not to do so.

Otherwise, when you provide us with personal information, we will ask you whether or not you are happy for us to send you this kind of information by e-mail.

If you decide at any time that you no longer wish to receive marketing e-mails from us, please contact our Data Protection Compliance Officer at Grosvenor House, 18-20 Ridgway, Wimbledon, London. SW19 4QN.

Whom do we share this information with?

We will not transfer, disclose, sell, distribute or lease your personal information to third parties other than our subsidiaries, parent company or a purchaser or potential purchaser of our business unless we have your permission or are required by law. We may release your personal information to our authorised direct marketing or other agents unless you tell us that you do not wish this to happen.

How to get copies of or amend the information we have collected

You may request details of personal information which we hold about you under the Data Protection Act 1998. A small fee will be payable. If you would like a copy of the information held on you please write to our Data Protection Compliance Officer at Grosvenor House, 18-20 Ridgway, Wimbledon, London. SW19 4QN or advice@mypensionadvice.com.

If you think any information we have about you is incorrect or incomplete, please write or e-mail us as soon as possible. We will correct or update any information as soon as possible.

Security

We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect on line.

Cookies

We use cookies for certain areas of our website. Cookies are files that store information on your hard drive or browser that means that our website can recognise that you have visited our website before. They make it easier for you to maintain your preferences on the website, and by seeing how you use the website, we can tailor the website around your preferences and measure usability of the website. You can, should you choose, disable the cookies from your browser and delete all cookies currently stored on your computer.

On Microsoft Internet Explorer, this can be done by selecting “Tools/Internet Options” and reviewing your privacy settings or selecting “delete cookies”. You can find out how to do this for your particular browser by clicking “help” on your browser’s menu or by visiting http://www.allaboutcookies.org/manage-cookies/index.html.