Terms & Conditions


This site is the property of Financialsmiles, you "the user" are allowed to view the site for the purposes of browsing or purchasing products/services, you are not permitted to download or reproduce any part of the site for any other purpose unless clearly indicated, nor are you permitted to directly change, modify, add or delete any information that is controlled by the site.

Legal Notice & Liability Disclaimer www.financialsmiles.co.uk

The proprietor of this site (www.financialsmiles.co.uk) Stuart Miles t/a Financialsmiles is an appointed representative of Financial Ltd, who are authorised and regulated by the Financial Services Authority any disputes will be settled under English law.

Liability Disclaimer

In preparing this site (www.financialsmiles.co.uk) we have made every effort to offer current, correct and clearly expressed information, as inadvertent errors can occur and relevant laws and regulations change on a regular basis the information offered may be neither current nor accurate.
All of the information contained within this site (www.financialsmiles.co.uk) is intended as a guide to the services offered by Financialsmiles.
None of the information contained within the site constitutes a comprehensive or complete statement on any of the issues discussed.
Financialsmiles accept no responsibility resulting from reliance on any information contained within this site nor does it accept responsibility or liability for (1) enabling users to link to any site on the internet other than our website, or (2) the contents of any other site, whether it is one from which you may have been prior to linking to this web site, or one to which you may link to from this web site.

Data Collection and Purpose

Financialsmiles will only collect data and use personal information, which has been voluntarily provided by visitors to this site. A user may browse this site without submitting or disclosing any personal information. A user may choose to supply Financialsmiles with limited personal information as required in order to make general contact with Financialsmiles.

Third Party Disclosure

Financialsmiles will only disclose personal information to authorised third parties under the following circumstances:

  • Where it is necessary to fulfill a request submitted by the user.
  • As required by a court or other legal or regulatory requirement.

Third Party Links

Financialsmiles accept no responsibility or liability for (1) enabling users to link to any site on the internet other than our website, or (2) the contents of any other site, whether it is one from which you may have been prior to linking to this web site, or one to which you may link to from this web site.

Data Storage, Access, Security

Financialsmiles services are not intended for children. We understand the importance of protecting children's information, especially online and do not knowingly collect or use any information about children.

Under the UK Data Protection act 1998 visitors to this site are entitled to a copy of any personal data held by Financialsmiles on payment of an administration fee. For further information please contact enquiries@financialsmiles.co.uk.

In relation to security issues, Financialsmiles have taken technical measures to ensure that all personal information is protected from unauthorised access, improper use, disclosure, unlawful modification, unlawful destruction or accidental loss.

Cookies

Cookies are small text files place within the user's hard drive, which hold small tokens of information which is then used by the browser. Financialsmiles do not currently use cookies to collect or store information about users, however with the constant development of the site cookies may be used in the future, if such developments take place Financialsmiles will disclose the extent of their use within this section.

Privacy Statement


Financialsmiles has developed this Internet Privacy Policy in order to assist in its position as a trusted service provider and to ensure it upholds and maintains visitors' rights to privacy in the online environment.

Financialsmiles will only collect, process and store information about you that:

  • We have openly collected from you or
  • We have openly collected from you with your consent.

We will keep your information while you have a relationship with us and for any retention period that we are legally required to meet.

If, to provide this service, we need to transfer your information to another company, we will tell you.

If you use standard e-mail for communication with Financialsmiles, information will not be protected in the same way and you should be aware that Financialsmiles cannot guarantee that it remains confidential whilst in transit.

 

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