Legal policy

This website is operated by AJ Bell Management Limited and AJ Bell Limited.

This policy is divided into two parts: ‘Your personal details’ and ‘Your use of this website’. The former covers our collection and use of your personal details and the latter your use of this website. If you do not agree with the terms of the policy, please do not use this website.

We reserve the right to modify these terms without notice. If you use this website after we have made the changes, you will be bound by them whether or not you have read them.

Terms and conditions applicable to a product or service you have purchased from us will apply in relation to our use of your personal details or use of this website in addition to the terms of this legal policy.

Your personal details

We are committed to the fair collection and use and the security of your personal details. We comply in all respects with data protection legislation and guidance.

This legal policy sets out how we use the personal details we collect from you when you use the website. In using the website, you consent to the collection and use of your personal details for the purposes set out below.

We will collect and use (including storage and transfer to any of our group companies or other service providers) your personal details and any information provided by a third party (e.g. your employers or a family member) for the purposes set out below. You confirm that you are entitled to disclose information about, or provided by, any third party. If you are submitting an application on behalf of someone else, you confirm that you have their authority to do so and that they understand that we will use their personal details for the purposes set out below.

The purposes we will collect and use your personal details for include:

  • processing your SIPP application
  • providing you with information about our products and services
  • providing you with services (including sending your details to third parties who provide some of the services on our behalf)
  • to enable you to obtain a retirement projection, immediate income withdrawal or post-retirement illustration
  • compliance with legal or regulatory requirements
  • for research and analysis in the development of our products and services
  • to send you details - by post, email, telephone or any other electronic means - of products and services either we or trusted third parties supply which we believe may interest you

We also provide services on behalf of third parties such as banks. If you apply for services from that third party, we may send them your details, e.g. as to the status of your application.

If you do not wish to receive marketing information, please either email us at marketing@ajbell.co.uk or write to:

The Marketing Department
AJ Bell
4 Exchange Quay
Salford Quays
Manchester
M5 3EE

Please note, however, you cannot opt out of receiving regulatory or legal updates (e.g. information about a change in the product terms and conditions) by email. We regularly review our records to ensure that we only retain your personal details for as long as is necessary for the purposes set out above.

We may transfer your personal details to a location outside the EU, but will only do so if they operate to the same security standards as we do and agree only to use your personal details strictly in accordance with our instructions.

Security

We have implemented procedures to protect your personal details and we monitor our performance regularly. If you (or your representative) contact us for details of your account, we will ask some questions so that we can establish your (or your representative’s) identity and we will not disclose any details unless we are satisfied that you (or your representative) are who you claim to be.

Although we use market standard security software, we do not warrant or represent that use of this website is secure or that the protection provided by our security software will offer you greater protection than any security software you have installed on your PC or other electronic communication device. We strongly suggest you purchase and keep up-to-date software to protect the security of your computer or device.

Requesting a copy of your personal details

You are entitled to see a copy of the personal data we hold about you. To obtain a copy, please write to us (including your postal details and a cheque for £10 payable to AJ Bell Management Limited) at:

4 Exchange Quay
Salford Quays
Manchester
M5 3EE

Your use of the website

Using the website

The content of the website is subject to copyright (which may be owned by a third party) with all rights reserved and is for your personal use only. Nothing on the website nor your use of it is intended (expressly or implicitly) to transfer to you any intellectual property rights in the content. You may print and/or download website content for your own purposes (whether business or personal) but you must not publish, distribute or reproduce it or any information derived from it for general consumption in any form without our consent.

We try to ensure that website content (whether provided by us or third parties) is accurate, complete, reliable and up-to-date but we do not guarantee that it is. We strongly suggest that, if you have not already done so, you take independent financial advice if you intend to make an investment decision based on it.

The website is designed for use in the UK only and not in any jurisdiction or location where the publication or availability of the website would be contrary to local law or regulation. If you use the website outside the UK, you do so at your own risk and shall be responsible for compliance with local regulations.

Whilst we try to keep downtime to a minimum, there may be times when the website and any website accessible from it may not be available, e.g. if we are carrying out scheduled maintenance or internet traffic is heavy.

We are not responsible for the privacy policies or content on any websites we link to

Other applicable terms

Our cookie policy, which sets out information about the cookies on our website, also applies to your use of our website.

Advice

Nothing on the website is intended to constitute financial, investment, tax or professional advice.
If you are not sure about our products and services and the implications of purchasing them, we strongly suggest you seek independent financial advice.

Email

As it is not a wholly safe method of communication, we strongly recommend that you do not send us any confidential or sensitive information, e.g. bank details, National Insurance number, medical information, by email. If you are an existing customer, you can use the secure messaging facility (if it is available for your product) or you can send it by post.

Liability

Save in the event of negligence, wilful default or fraud, neither we nor any supplier of content to us shall be liable (including without limitation) in contract, tort, negligence, statutory duty or otherwise to the maximum extent permissible by law for any Loss arising from (including but not limited to):

  • any defects, viruses and any other malfunctions caused to any equipment and other software in connection with access or use of the website
  • the content of the website
  • the website’s unavailability
  • misuse of the website
  • loss of data
  • the download or use of any software made available on the website
  • unauthorised use of a password.

‘Loss’ means all losses (including without limitation) loss of business, loss of revenue, loss of goodwill, loss of profits, loss of opportunity, loss of anticipated savings, wasted expense, liabilities, costs, payments, claims, actions, damages and expenses (whether direct or indirect) and in all cases regardless of whether or not such loss was foreseeable or arises from circumstances particular to you which you had advised us of.

Nothing in this disclaimer is intended to operate to exclude or limit or restrict any obligations and liability we may have to you under the Financial Services and Markets Act 2000.

Governing law

This legal policy shall be governed by and construed in accordance with the law of England.