Data Protection and Privacy Policy

The personal information provided by you on this website will be held securely and in confidence by us in our computerised and manual records.

We are committed to meeting the standards set by the Financial Services Authority (FSA). Occasionally, the FSA will audit a sample of our customer records to assess our compliance with the FSA Regulations. Whenever this happens, strict confidentiality conditions are always imposed.

If you have provided us with your personal information in relation to a career with Focus, we will only use this to provide you with details of employment opportunities which are available with Focus.

You have the right of access to information we hold about you on our records. If anything is inaccurate or incorrect, please let us know and we will correct it.

All services available through our website which contain personal information, for example, our on line fund performance tracker, are protected by passwords and usernames. These are unique to each user. However, protecting your password and username is important and you should take great care of them and keep them safe at all times.

For example:

Never write your password or username down

Never use a password that can be easily guessed by someone who knows you

Never give your password to anyone else

Never include your password in an email

Always use a mixture of letters and numbers

If you e-mail us, or give us your e-mail address, we will keep a record of it. We may use it to contact you occasionally about our products and services, unless you ask us not to do so. We will not give your e-mail address to any unauthorised third parties.

We may record or monitor telephone conversations to provide additional security, resolve complaints and improve our service standards. Conversations may also be monitored for staff training purposes.

All Focus employees have a personal responsibility for maintaining customer confidentiality. We provide training and education to all our staff to remind them about their obligations, which are fully supported by our policies and procedures.

The information contained within this internet site is not designed to constitute investment advice. Should you wish to seek advice, please call 01865 295 295.

This material is directed only at persons in the UK and is not to be regarded as an offer to buy or sell, or the solicitation of any offer to buy or sell securities in any other jurisdiction other than the UK. The products offered/described on this site are not available to non-UK residents. Persons resident in territories other than the UK should consult their professional advisers as to whether they require any governmental or other consents or need to observe any formalities to enable them to invest in products described in this site.

Whilst every reasonable precaution has been taken to ensure the accuracy, security and confidentiality of information available through this Internet site, Focus cannot be held responsible for any consequence of any action carried out by any user authorised or unauthorised.

All the investments detailed in this site are intended as medium to long term investments. The value of investments, and the income they provide, can go down as well as up, may fluctuate and is not guaranteed. As a result you may not get back the full amount invested, particularly if the funds are withdrawn in the early years. Past performance is not necessarily a guide to future investment returns.

Focus Independent Financial Advisers and Independent Insurance Consultants is regulated by the Financial Services Authority (FSA) and is registered on the FSA website. Our registration details can be found at www.fsa.gov.uk/register/firmSearchForm.do and our registration number is 146762.

The rate of future terminal and reversionary bonuses in with profit funds and, therefore, the rate of growth in the unit price cannot be guaranteed. A reduction in the value of an investment in the with profit fund may be made if it is withdrawn before your selected retirement date/maturity (but not on death) if market conditions make such a reduction necessary.

Please remember that savings in a building society/bank are readily accessible and that, unlike market related products, capital and interest, once earned is guaranteed.

Focus uses all reasonable skill and care in compiling the information on this site. 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 Focus' 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 Focus via its Internet service. Focus advises you to confirm the accuracy of any information with Focus before seeking to rely on such information.

Tax

The levels and bases of taxation are based on our current understanding of Inland Revenue practice which may be subject to change. The value of tax relief depends on your personal circumstances.