Investment Management and Stockbroking Services

Terms of Use for ramseycrookall.com

The news, prices and information contained on the Ramsey Crookall and Co Ltd (RC) website are obtained from sources believed to be reliable, but neither we nor any of our associated companies, agents, licensors or delegates make any representation as to the completeness, accuracy or timeliness of the information or of any opinions expressed therein nor do we or they accept any liability for any losses, costs, liabilities or expenses (including, without limitation, loss of profit) which may arise directly or indirectly from use of or reliance on the information.

The information contained on our web sites is our property or the property of our licensors and is protected by copyright and other intellectual property laws. It may be displayed, re-formatted and printed for your personal, non-commercial use only. You agree not to reproduce, re-transmit or distribute the information to anyone without our prior written consent (or the prior written consent of the relevant licensor). In particular, and without limitation, you may not post the information to newsgroups, mail lists or electronic bulletin boards without our prior written consent (or the prior written consent of the relevant licensor).

Neither the information nor any opinion expressed on this web site should be regarded as an offer, invitation or as a solicitation of an offer by RC or any of our associated companies, agents, licensors or delegates to buy, sell or otherwise deal in any particular investment. Nothing contained on this site constitutes or should be construed as constituting investment, legal, tax or other advice or a recommendation to purchase or sell any investment. While we try to ensure that this site is normally available 24 hours a day, we will not be liable if, for any reason, the site is unavailable for any period of time. Access to this site may be suspended temporarily or permanently and without notice. To the fullest extent permitted by law, RC shall not be liable for any direct or indirect loss or damage of any kind whatsoever arising from or in connection with the access to, use of or linking to other web sites from this web site or any reliance on any part of the information contained on this web site. In no circumstances shall RC have any liability for consequential or special damages. This Privacy Policy only extends to this website and does not, therefore, extend to your use of, provision of data to and collection of data on any website not connected to RC to which you may link by using the hypertext links within this website

We may record telephone conversations on our telephone lines with or without use of an automatic tone-warning device. RC may use such recordings and transcripts for any purpose which it deems desirable including use as evidence by RC in any dispute between it and any other party. On the website, other companies may advertise their services through links or banners. RC does not accept any responsibility or liability for the services offered by any other web site or company you may visit as a result of such links or banners. If you decide to act on any such information or offers, you do so entirely at your own risk.

By accessing any part of this site, you will be deemed to have accepted these terms and the disclaimer in full. This web site is not directed at any person in any jurisdiction where (by reason of that person’s nationality, residence or otherwise) the publication or availability of this web site is prohibited or restricted. Persons in respect of whom such prohibitions or restrictions apply must not access the relevant pages on this web site. Jurisdictions maintain their own laws and regulations governing access to information and products such as those contained on this web site. By accessing any part of this site you warrant that you are not in breach of legislation in force in the jurisdiction in which you are situated. By accessing any part of this site you are deemed to be fully aware that RC operates under the Isle of Man Financial Services Authority regulatory jurisdiction

Data Protection

At RC, your privacy is our priority. We understand that you have entrusted us with your private financial information, and we do everything we can reasonably do to maintain that trust.

We collect and process personal data in accordance with the Data Protection Act 2002 in the Isle of Man.

The Act is designed to balance the legitimate needs of businesses and organisations to process personal information with an individual.s right to privacy. The Act is based upon the United Kingdom Data Protection Act 1998 and is drawn up to be compliant with the EC Data Protection Directive 95/46/EC.

The European Commission made a formal decision on 28th April 2004 recognising the Isle of Man as a jurisdiction with an adequate level of protection for personal data. In addition, the Council of Europe Convention 108 relating to the protection of individuals with regard to automatic processing of personal data, has applied to the Isle of Man since 21st January 1993.

We do not and will not sell your personal information to anyone.

The information that we hold about you is confidential and will only be disclosed by us in the following circumstances: Where the law or a regulatory rule permits or demands it; It is in the public interest; It is to investigate or prevent fraud or other illegal activity; To our agents in connection with running accounts and services for you; At your request or with your consent.

When you interact with the RC website or through email, we strive to make that experience easy and meaningful.

We may collect some information on our web sites through the use of “cookies” or other internet technology such as web server logging.

Cookies

A cookie is a small file which is placed on your computer’s hard drive by your web browser under the request of a web site owner or operator. Cookies are used to allow web applications to respond to you as an individual with the web application tailoring its operations to your needs, likes and dislikes by gathering and saving information about your preferences in the cookie file.

We only use cookies that are essential to make the website work or to identify which pages are being used. This helps us analyse data about web page traffic and improve our website in order to tailor it to customer needs generally. We only use this information for statistical analysis purposes and then the data is removed from the system. The cookies we use do not store any information personal to you.

Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.

Find out more about Google Analytics’ cookie and data usage:google.com/analytics/learn/privacy.html

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.

Visit aboutcookies.org for more information on how to block, control and delete cookies

Your RC passwords is your private entry key into your account. You are responsible for the confidentiality of your password, you should never share it with anyone and you should change it periodically. We will never ask you for your full password.

The accuracy of your personal information is important to us. If you are a customer and have a concern about your personal or account information maintained at RC, or want to correct, update, or confirm your information, please contact us by emailing info@ramseycrookall.com

We may edit or amend this Privacy Policy from time to time. If we make any substantial changes in the way we use your personal information we will notify you by posting a prominent notice on the Home page of our website.