Legal Notices

ASTUTE INVESTOR

Astute Investor is an introducer to Chambers IFA Limited, and any purchases or sales of investment product will be carried out with Chambers or other providers introduced by Chambers and not with Astute Investor. Astute Investor takes no responsibility for your dealings with Chambers or any other third party that you contact via this web-site, such dealings will be subject to Chamber‘s or the third party‘s terms and conditions. Astute Investor may receive revenues from Chambers in the form of a fee, a commission or a share of revenues received by Chambers from other parties.

Astute Investor do not recommend or endorse the products available on-line via this web-site. We do not provide advice on which product is most suitable for you. If you are in any doubt as to whether any product is suitable, you should speak to a financial advisor. Should you access a financial advisor via this web-site, no warranties, promises and / or representations of any kind, express or implied, are given by us as to the nature, standard, accuracy or otherwise of the information or advice you may receive therefrom.

Astute Investor is not registered to provide financial advice or to conduct investment business. Information on this site is of a general nature and is for general use only. In particular, the information does not constitute advice and should not be used, construed or relied upon as such. If you are in any doubt in respect of any financial decision you should speak to a suitably qualified and regulated financial advisor. No warranties, promises and / or representations of any kind, express or implied, are given as to the nature, standard, accuracy or otherwise of the information provided in this web-site nor to the suitability or otherwise of the information to your particular circumstances.

Your access to this site and the information therein is conditional upon your acceptance of the terms and conditions of these notices.

PRIVACY POLICY

We respect and take seriously your privacy. When you browse this web-site, personal information about you is not automatically collected. However, we may from time to time receive such personal information if you choose to provide it to us (e.g. in the form of a product enquiry form).

We may collect, process and disclosed to other third parties, such personal information for our legitimate business interests. Use of your personal data by those other parties will be subject to their own personal data practices.

We may use any personal data you choose to provide to us for the purpose of providing to you a better and more personalised service. In particular, we may include you in promotional mailings or e-mailings for services provided by us, by other companies in the same corporate group as us and by carefully selected third parties. Personal information may be passed to third parties for these purposes. Other use of your personal data by those other parties will be subject to their own personal data practices. If you do not wish to receive such information, mailings or e-mailings you should tick the appropriate box when you provide us with your personal details.

Your personal information may also be disclosed to any third party engaged to develop, maintain and host this web-site and otherwise as required by law. Any use of your personal data by those other parties will be subject to their own personal data practices.

This web-site may use "cookies" which are small pieces of computer code that identify you as a unique user. These cookies are stored on your hard drive. Cookies do not contain any personal information about you. We may use cookies to measure site useage and related information and may disclose information collected to third parties but only in aggregated statistical form (unless otherwise required by law).

We will upon request provide you with a copy of any personal information held by us about you. Such a request should be sent to The Data Protection manager, XEL-Finance Limited, 3 Palace Gate House, Hampton Court, East Molesey, KT8 9BN. A charge may be made to cover any administrative costs incurred.

THIRD PARTY LINKS

This web-site provides links to other web-sites owned by third parties. The content of such third party sites is not in our control and we will not take any responsibility for the information, products or other content thereon. Links to such third party sites are not to be taken as an endorsement of the third party site, of any products promoted, offered or sold on the third party site nor that such sites are free from computer viruses or anything else that has destructive properties. We do not take any responsibility for the collection or use of personal data by any third party sites and we shall not be liable for any loss or damage of whatsoever nature (direct, indirect, consequential or other) whether arising in contract, tort or otherwise as a result of your dealing with these third parties.

This web-site may contain advertisements for third parties. The third party advertisers take full responsibility for the material submitted on the advertisements and the product or products advertised. We will not accept responsibility for the accuracy of third party advertisements.

YOUR RESPONSIBILITY

This web-site is designed for UK use only, and you are responsible for ensuring that you, and anyone else who may use your computer, satisfy that requirement. You should be aware that, in some geographic locations it may be an offence to apply for products accessible through this web-site from outside of the user‘s geographic area.

You are totally responsible for the accuracy of the data that you input into any enquiry or application form. The more accurately you enter the data, the more accurate the product searches are likely to be.

You are totally responsible for the choice of product provider, product type, transaction detail selected for application and purchase, when no advice is provided.

You are responsible for ensuring that any email or postal address is secure from anyone that you would not wish to view any information that may be provided to you from this site or our partners.

You are responsible for the accuracy of the address information provided to enable communication with you during the transaction process. You must tell us if any of your address details change during the application process.

We may, when communicating with you, leave answer phone message or leave a message with a person answering your last known telephone number asking you to contact us, or send an email to the last known address requesting that you make contact with us.

If you send a letter or email to us, you should not assume that we have received it until you have received a response or reply from us.

You should be aware that we may record or monitor our telephone calls to check any instructions or monitor our service standards.

USE OF THIS WEB-SITE

We can not and will not guarantee that this web-site is free from computer viruses or anything else that has destructive properties.

We shall not be liable for any loss or damage of whatever nature (direct, indirect, consequential or other) whether arising in contract, tort or otherwise which may arise as a result of your use of (or inability to use) this web-site or from your use of (or failure to use) the information on
this site.

CHANGES TO THESE LEGAL NOTICES

We reserve the right to alter or amend these legal notices at any time and at our discretion. When terms are changed, they will be displayed here. If you use the site after changes have first appeared here, you will be bound by those changes. The last changes made to these legal notices were made on 27 January 2002.

CHOICE OF LAW AND JURISDICTION

Access to and use of this web-site is conditional upon your agreement that any issue or dispute in relation to your use of this web-site will be governed by English law and that you agree to submit to the exclusive jurisdiction of the English Courts.

We shall retain the right, for our benefit only, to bring proceedings as to the substance of the matter in the courts of your jurisdiction.

GENERAL

Should you choose to download, print or copy any content from this web-site, you must do so in accordance with these terms and conditions. Such activity is permitted only for personal use and not for commercial gain. Unless expressly stated otherwise on this web-site all other use of the content is expressly forbidden.

You may not assign or otherwise transfer any rights you may accrue under these legal notices.

These terms and conditions are provided only to the extent that they are permitted by law. If any of these terms and conditions are unenforceable in whole or in part, for whatever reason, that exclusion or part exclusion will not affect the validity or enforceability of the remainder of the terms and conditions or part contained herein.

Astute Investor is a trading style of XEL-Finance Limited ("Astute Investor", "we", "us", "our" as the context may require). XEL Finance Limited is a company registered in England and Wales under number 4066230.