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1. Introduction

In this legal notice, references to we, us or our mean Bond Dickinson Wealth Limited (see below for further information in relation to this entity); unless the context requires otherwise, references to we, us and our also include other undertakings affiliated with Bond Dickinson Wealth Limited.

In this legal notice, references to you or your mean the person accessing and using our Site (as defined below).

In this legal notice, references to the Site mean the website at the following URL: www.bonddickinsonwealth.com

This legal notice, as amended by us from time to time, sets out, among other things, the basis on which you may use our Site. By accessing and using our Site, you are indicating your acceptance of this legal notice and you agree to comply with your obligations under it.

2. Bond Dickinson Wealth Limited

Bond Dickinson Wealth Limited is a limited company registered in England and Wales under company number 8375875 and have our registered office at 4 More London Riverside, London, SE1 2AU. Our main trading address is One Trinity, Broad Chare, Newcastle upon Tyne, NE1 2HF.  Our VAT number is GB123393627.

Bond Dickinson Wealth Limited is authorised and regulated by the Financial Conduct Authority.  Our details can be checked on the Financial Conduct Authority register at: www.fca.org.uk/register under reference number 596652.

Bond Dickinson Wealth Limited is a wholly owned subsidiary of Bond Dickinson LLP who are a provider of legal services. Bond Dickinson LLP is authorised and regulated by the Solicitors Regulation Authority, you can read further details here.

3. Important information

Our Site is operated for, and contains information about us, a provider of financial advice and services, and is intended to provide general information only. 

We take all reasonable care to ensure that the information contained on this website is accurate. No warranty, however, is given that the information and materials contained on it are complete or free from errors or inaccuracies. While we make every effort to keep the information on this website up to date, we cannot guarantee that it will be at all times.

Nothing in this site should be construed as being personal financial or legal advice and is therefore not a recommendation to enter into any specific transaction. No investment is suitable in all cases and, should you have any queries about the financial products that you hold or the suitability of any investments or services included on this website for your personal circumstances, you should contact your Financial Adviser. Please note that the value of investments and the income derived from them may fall and you may get back less than you invested. Past performance is not a guide to future performance. Any tax allowances or thresholds mentioned are generic and will be dependent upon personal circumstances. Any information is based on current legislation which is subject to change.

This website should not be regarded as an offer or solicitation to conduct investment business as defined by the Financial Services and Markets Act 2000, in any jurisdiction other than the United Kingdom. Investors who are resident in or citizens of countries other than the United Kingdom may be subject to local restrictions.

We accept no liability (whether arising in contract, tort (including negligence) or otherwise) for: (i) loss, damage or expense of any kind (including, without limitation, loss of data, loss of income or revenue, loss of profit, loss of business, loss of goodwill, damage to property and all other direct, indirect or consequential loss and damage); and (ii) claims by third parties, in each case arising in connection with the access or use of our Site, or the use of any material (including Content (as defined below)) contained in or referred to on our Site.

We reserve the right to modify, and to suspend or withdraw access to, part or all of this Site at any time and we accept no liability in connection with any such modification, suspension or withdrawal.

Nothing in this legal notice excludes or limits our liability for death or personal injury caused by the negligence of us or any of our employees or agents, for fraud or fraudulent misrepresentation by us; or any other liability that cannot be excluded or limited by applicable law.

4. Third party websites

From time to time we may include links on our Site that will enable you to access the websites of third parties directly from our Site. Each third party operates its own policy regarding the processing of personal information and the use of cookies on its website and you are advised to read the privacy policy and cookies policy on the relevant website. We do not accept any liability or responsibility for that third party's use of your data or their use of cookies.

5. Claims and complaints    

If you have a complaint about the advice or service provided then this should first be directed to your usual contact within the team (whose details can be found within your Terms of Engagement Letter). Alternatively, you can register your complaint directly with our Compliance Director at our office address. Full details of our complaints procedure can be found here.

We hope to resolve all complaints amicably, however, should we be unable to resolve any matter, or if you are dissatisfied with our response, you may be able to direct your complaint to the Financial Ombudsman Service (FOS). The FOS is the certified alternative dispute resolution (often referred to as ADR) provider for all firms that are authorised and regulated by the Financial Conduct Authority in the UK. This service is available for all private individuals. Small business, charities and trusts, may also be eligible. Further information can be found at www.financial-ombudsman.org.uk. The Ombudsman can be contacted directly by telephoning 0300 123 9123, in writing to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR or by email to complaint.info@financial-ombudsman.org.uk.

If we are unable to resolve your complaint, and it relates to a contract we entered into online or by other electronic means, you may be able to submit your complaint to the Financial Ombudsman via the EU "ODR platform". The online dispute resolution (ODR) platform, which is available for cross-border and domestic disputes, is an interactive website offering a single point of entry to consumers and traders seeking to resolve disputes relating to online contracts for goods or services. The website address for the ODR platform is: http://ec.europa.eu/odr.

In the event of Bond Dickinson Wealth Limited being unable to meet its liabilities, you may be entitled to compensation under the Financial Services Compensation Scheme, for details please visit www.fscs.org.uk.

6. Privacy policy

We take our obligations under privacy and data protection law very seriously. This policy set outs how we will use personal information that we obtain, generate and process. Your personal information will be held and used in accordance with this policy. This policy does not apply to the personal information of our staff and employees that we process in connection with their employment with us.

For information about how Bond Dickinson LLP will use personal information it obtains, generates and processes, please read their privacy policy.

This notice may change from time to time and therefore you should review it regularly. This notice was last updated in June 2017.

We may collect information via our Site, in the course of providing financial services or otherwise as a result of our dealings with you or one or more of our clients. The type of information we collect and process about you depends upon our relationship with you and the context in which we obtain and process your personal information.

The personal information we collect and process may include (without limitation):

  • your names, address and other contact details
  • your occupation and interests
  • the information included in any documents you send to us (such as identification documents), or any online services to which you subscribe
  • details about the services you specifically request
  • information you provide to us, for example by completing risk assessment questionnaires or fact finds, and
  • any other information we collect, use and process in the course of our business, such as information provided by our clients (including information relating to employees of our clients).

In this policy, we refer to the information above as personal information.

When you give us personal information about another individual you must ensure that the disclosure is undertaken in compliance with applicable data protection law.

We use personal information for the following purposes:

  • to provide, improve and market our services
  • to manage our business and our relationship with you and our clients
  • to prevent money laundering and/or terrorist financing
  • to undertake analysis and research to help us manage our business
  • to understand how our Site is used and to improve our Site
  • to fulfil our legal, professional and ethical obligations
  • to enforce or protect any of our rights, property or safety (or those of our members, employees or clients)
  • to process and consider any application made by you for a position with us, and
  • for other legitimate business purposes.

Where you have provided your details we may contact you by mail, telephone or email with information about services, news or events that may be of interest of you.   If at any time you no longer wish to receive information or marketing from us, please contact us at info@bonddickinson.com.

In the course of our business, we may need to share personal information and data with other entities within our corporate group, including Bond Dickinson LLP and we may also receive personal information from them. These entities may, in the course of their business, need to share personal information with us or require us to share with them personal information that we hold.

We will share any of your personal information with third parties (such as the police and other law enforcement agencies) where we are under a duty to do so in order to comply with any legal, professional, regulatory, or ethical obligation, (such as to comply with our anti-money laundering obligations), in order to enforce or protect any of our rights, property or safety (of those of our members, employees or clients), or where it is required as part of the services we provided to you.

If we sell or buy any business or assets, we may disclose personal information held by us to the prospective seller or buyer of such business or assets. If we or substantially all of our assets are acquired by a third party (or are subject to a reorganisation), personal information held by us will be one of the transferred assets.

We may transfer your personal information to countries outside the European Economic Area (the EEA)  which do not provide the same level of data protection as the United Kingdom or other countries in the EEA. For example, this may be in relation to an international transaction, or where we are sharing information with our colleagues or third party service providers who operated outside the EEA.  In those circumstances, we will take steps to ensure that your personal information is adequately protected.

The Data Protection Act 1998 gives you certain rights with respect to your personal information, including a right to access your personal information. If you would like to exercise this right, please write to: Head of Risk and Best Practice enclosing a cheque for the administration fee of £10 made payable to Bond Dickinson Wealth Limited.

We may use technology to track the patterns of behaviour of visitors to our Site. This can include using a "cookie" which would be stored on your browser or the hard drive of your computing device. Please see our Cookies Policy for more information about how we use cookies and similar technologies.

Telephone calls made to Bond Dickinson Wealth Limited may be recorded and recordings may be used for quality and monitoring purposes or to meet our regulatory requirements. Any data provided during the call will be used and held in accordance with this notice

Bond Dickinson Wealth Limited is registered with the Information Commissioners Office under number ZA005616.

7. Pillar 3

The Pillar 3 disclosures, prepared on a solo basis for Bond Dickinson Wealth Limited can be found here. Bond Dickinson Wealth’s parent company, Bond Dickinson Holdings Limited, is also required to provide Pillar 3 disclosures on a consolidated basis – these disclosures can be found here.

These disclosures are prepared in accordance with the Capital Requirements Directive (CRD IV) and the Capital Requirements Regulations (CRR).