Legal information, website disclaimer and privacy policy

General legal information

This website is designed to provide the user with general information only and does not attempt to give you advice on any particular investment or to recommend any particular investment to you. If you have any doubt as to whether a particular investment is suitable for you, you should contact Advanced Financial Management for advice.

AFM attempts to ensure that the information and material on this website is accurate and up-to-date. However, errors and omissions may occur. AFM has no control over the use to which the information and material provided on all of the pages of this website may be put by the user.

In addition, neither AFM nor its representatives can be held responsible for the accuracy of the contents/information contained within the linked site(s) accessible from this page.

Access to this site is solely at the user’s risk. AFM shall not be liable for any loss of profits or contracts or any other indirect or consequential loss or damage arising out of or in connection with the use of such information and material or of its access on this website whether by corruption, virus or otherwise.

Information about Advanced Financial Management

The sole proprietor of Advanced Financial Management is Mark Ian Warner.

Mark Ian Warner trading as Advanced Financial Management is authorised and regulated by the Financial Services Authority.
The Financial Services Authority does not regulate will writing and taxation and trust advice

We are entered on the FSA Register No 424392 at www.fsa.gov.uk/register

Equity Release: This is a lifetime mortgage.  To understand the features and risks, ask for a personalised illustration.

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice, the precise amount of the fee will depend upon your circumstances

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK

Information held about you

By providing us with your personal data:

You agree that the information we hold about you can be held on computer (whether local or web-based) and/or paper files.

We aim to take all reasonable and appropriate steps to protect the personal information that you provide to us from unauthorised access or disclosure

You agree that any information which you give us, including sensitive personal data as defined by the Data Protection Act 1998 such as health and medical records, may be disclosed to third parties (e.g. credit reference agencies and medical practitioners, where relevant, product providers and anyone whom we may use to process your application on our behalf) for the purpose of processing your application and for the ongoing administration of your investment or policy but for no other purpose. Your information may also be accessed by Advanced Financial Management for the purpose of administration, and the Financial Services Authority for investigative work, and fraud prevention agencies if requested to do so in order to meet our responsibilities under the Financial Services and Markets Act 2000 and general United Kingdom law.

You agree that we may use the information that we hold about you to contact you from time to time by post, fax, email or telephone to bring to your attention additional products or services, which may be of benefit to you or comments and news features which may be of interest to you.

In accordance with the Privacy and Electronic Communications Regulations 2003 we agree that any consent given by you under paragraphs 4 and 5 above may be withdrawn by you at any time by contacting us by email or in writing at:

Advanced Financial Management
Crown Lodge, Crown Lane
Creech Heathfield
Taunton
TA3 5EU

Please note that we are not responsible for the accuracy or content of any sites linked from our own site, nor for the way in which those linked sites might handle any information that you choose to provide them with. We cannot be responsible or liable for any direct or indirect loss however caused by your use of these linked sites.

These Terms shall be governed by and construed in accordance with English law and the English courts shall have jurisdiction over any disputes between us.

Website Disclaimer

1.1               Advanced Financial Management makes no warranty or representation that the Web Site will meet your requirements, that it will be of satisfactory quality, that it will be fit for a particular purpose, that it will not infringe the rights of third parties, that it will be compatible with all systems, that it will be secure and that all information provided will be accurate. We make no guarantee of any specific results from the use of our Services.

1.2               No part of this Web Site is intended to constitute advice and the Content of this Web Site should not be relied upon when making any decisions or taking any action of any kind.

1.3               No part of this Web Site is intended to constitute a contractual offer capable of acceptance.  No goods and / or services are sold through this Web Site and product and / or service details are provided for information purposes only.

1.4               Whilst every effort has been made to ensure that all graphical representations of products and / or descriptions of services available from Advanced Financial Management correspond to the actual products and / or services, Advanced Financial Management is not responsible for any variations from these descriptions.

1.5               Advanced Financial Management does not represent or warrant that such products and / or services will be available from us or our Premises.  For this reason, please contact us prior to visiting if you wish to enquire as to the availability of any products and / or services.  Any such enquiry does not give rise to any express or implied warranty that the products and / or services forming the subject matter of your enquiry will be available upon your arrival at our Premises.

1.6               All pricing information on the Web Site is correct at the time of going online.  Advanced Financial Management reserves the right to change prices and alter or remove any special offers from time to time and as necessary. 

Privacy Policy

Background:

This Policy applies as between you, the User of this Web Site and Advanced Financial Management the owner and provider of this Web Site.  This Policy applies to our use of any and all Data collected by us in relation to your use of the Web Site and any Services or Systems therein.

Definitions and Interpretation

In this Policy the following terms shall have the following meanings: 

Data Collected

Without limitation, any of the following Data may be collected:

3.1               name;

3.2               date of birth;

3.3               gender;

3.4               job title;

3.5               profession;

3.6               contact information such as email addresses and telephone numbers;

3.7               demographic information such as post code, preferences and interests;

3.8               financial information such as credit / debit card numbers;

3.9               IP address (automatically collected);

3.10            web browser type and version (automatically collected);

3.11            operating system (automatically collected);

3.12            a list of URLS starting with a referring site, your activity on this Web Site, and the site you exit to (automatically collected); and

3.13            Cookie information (see clause 10 below).

Our Use of Data

4.1               Any personal Data you submit will be retained by Advanced Financial Management for as long as you use the Services and Systems provided on the Web Site.  Data that you may submit through any communications System that we may provide may be retained for a longer period

4.2               Unless we are obliged or permitted by law to do so, and subject to Clause 4, your Data will not be disclosed to third parties.  This does not include our affiliates and / or other companies within our group.

4.3               All personal Data is stored securely in accordance with the principles of the Data Protection Act 1998.  Fore more details on security, see clause 9 below.

4.4               Any or all of the above Data may be required by us from time to time in order to provide you with the best possible service and experience when using our Web Site.  Specifically, Data may be used by us for the following reasons:

4.4.1         internal record keeping;

4.4.2         improvement of our products / services;

4.4.3         transmission by email of promotional materials that may be of interest to you;

4.4.4         contact for market research purposes which may be done using email, telephone, fax or mail.  Such information may be used to customise or update the Web Site.

Third Party Web Sites and Services

Advanced Financial Management may, from time to time, employ the services of other parties for dealing with matters that may include, but are not limited to, payment handling, delivery of purchased items, search engine facilities, advertising and marketing.  The providers of such services do have access to certain personal Data provided by Users of this Web Site.  Any Data used by such parties is used only to the extent required by them to perform the services that Advanced Financial Management requests.  Any use for other purposes is strictly prohibited.  Furthermore, any Data that is processed by third parties must be processed within the terms of this Policy and in accordance with the Data Protection Act 1998.

Changes of Business Ownership and Control

6.1               Advanced Financial Management may, from time to time, expand or reduce its business and this may involve the sale of certain divisions or the transfer of control of certain divisions to other parties.  Data provided by Users will, where it is relevant to any division so transferred, be transferred along with that division and the new owner or newly controlling party will, under the terms of this Policy, be permitted to use the Data for the purposes for which it was supplied by you.

6.2               In the event that any Data submitted by Users will be transferred in such a manner, you will not be contacted in advance and informed of the changes.  When contacted you will not be given the choice to have your Data deleted or withheld from the new owner or controller.

Controlling Access to your Data

7.1               Wherever you are required to submit Data, you will be given options to restrict our use of that Data.  This may include the following:

7.1.1         use of Data for direct marketing purposes; and

7.1.2         sharing Data with third parties.

Your Right to Withhold Information

8.1               You may access certain areas of the Web Site without providing any Data at all.  However, to use all Services and Systems available on the Web Site you may be required to submit Account information or other Data.

8.2               You may restrict your internet browser’s use of Cookies.  For more information see clause 10.4 below.

Accessing your own Data

9.1               You may access your Account at any time to view or amend the Data.  You may need to modify or update your Data if your circumstances change.  Additional Data as to your marketing preferences may also be stored and you may change this at any time.

9.2               You have the right to ask for a copy of your personal Data on payment of a small fee.

Security

10.1            Data security is of great importance to Advanced Financial Management and to protect your Data we have put in place suitable physical, electronic and managerial procedures to safeguard and secure Data collected online.

Cookies

11.1            Advanced Financial Management may set and access Cookies on your computer.

11.2            A Cookie is a small file that resides on your computer’s hard drive and often contains an anonymous unique identifier and is accessible only by the web site that placed it there, not any other sites. 

11.3            You may delete Cookies, however you may lose any information that enables you to access the Web Site more quickly.

11.4            You can choose to enable or disable Cookies in your web browser.  By default, your browser will accept Cookies, however this can be altered.  For further details please consult the help menu in your browser.  Disabling Cookies may prevent you from using the full range of Services available on the Web Site.

Changes to this Policy

Advanced Financial Management reserves the right to change this Privacy Policy as we may deem necessary from time to time or as may be required by law.  Any changes will be immediately posted on the Web Site and you are deemed to have accepted the terms of the Policy on your first use of the Web Site following the alterations.