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Important Information

Willis Owen Limited is a discount broker and all business transacted through us is done so on a “direct offer” basis. This means that we do not offer financial advice on whether any product we promote is suitable in your personal circumstances. The advantage of purchasing products through Willis Owen Limited is that we are normally able to negotiate discounts on the set-up cost of the products we offer.

None of the information in this website is intended as a personal recommendation, and the content of this website relates only to the Individual Savings Account, Unit Trust and OEIC products offered by Cofunds. It is your responsibility to ensure that these products meet your needs, and if you have any doubts whether the products described are suitable for you, you should obtain independent financial advice.

Willis Owen will receive an annual fee from Cofunds which varies from 0.1%-1% of the value of your investment, depending upon your fund choice. This fee is calculated daily and paid to Willis Owen by Cofunds on a monthly basis. For example, if your fund value averages £4,000 over a one year period and the funds in which you invest generate an average fee to Willis Owen of 0.5%, Willis Owen will typically receive a fee of £20.00 over the year.

Willis Owen Limited is authorised and regulated by the Financial Services Authority. The Financial Services Authority is the independent watchdog that regulates financial services. Willis Owen Limited is entered on the FSA register under reference number 121261. You can also check this by contacting the FSA on 0845 606 1234.

Willis Owen Ltd’s permitted activity is advising on and arranging investment business. Willis Owen is regulated in the United Kingdom. Willis Owen Limited. Registered Office 1, Nicholas Road, London W11 4AN. Registered in England No. 03283706.

Contacting us

In writing: Write to Willis Owen Limited, PO Box 402, Hull, HU9 9AF.

By phone: Telephone 0800 597 2525.

If you wish to register a complaint against Willis Owen Limited, please write to The Complaints Department, Willis Owen Ltd, 27 Great George Street, Bristol BS1 5QT, or contact us by phone on 0117 930 2359. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Most types of investment business are covered and the compensation limit is 100% of £50,000. Further information about compensation arrangements is available from the Financial Services Compensation Scheme website, at www.fscs.org.uk.

Investment risk

The value of units and the income from them can fall as well as rise, as a result of market or currency fluctuations, and you may not get back the amount originally invested. Past performance is not a reliable indicator of future results. You are not certain to make a profit – you may lose money, or make a loss and you may not get back the full amount invested. If you invest in an overseas fund, movements in the exchange rates may cause the value of the investment to go up or down too.

You should regard the products outlined in this website as investments which should be held for the medium to longer term. If you withdraw money early from your investments, there is a risk that you may not receive back the full amount invested. If you take an income option, the amount of income payable may not be fixed and could rise or fall depending on investment performance eg if investment conditions are poor, a lower level of income than originally anticipated may be paid, conversely if the investment performs well, more income could be paid.

Please ensure that you read the Key Features and full product literature before choosing to make an investment. To help us comply with anti Money Laundering regulations, we will make an electronic check to help verify your identity when you apply for or transfer your ISA, or you apply for a Unit Trust or OEIC.

Taxation

The tax treatment of your investment depends on your individual circumstances and may be subject to change in future. The products outlined in this website may be subject to taxes or costs that are not imposed by Willis Owen Limited.

Data protection

Your privacy is very important to us. Accordingly, we have put in place measures to ensure that any personal information or data that we obtain from you in connection with your usage of this website is processed in accordance with the accepted principles of good information handling.

Honister Capital is a registered data controller for the purpose of the Data Protection Act 1998. By submitting your personal information to us via this method and by using the various facilities on the web site, which enables you to e-mail us, you agree that any information we hold about you can be held on computer and/or paper files.

Any information, which you give us, may be disclosed to selected third parties or group companies for the purposes of administration or as permitted by law. Please note we will not arrange to involve a third party unless the security and confidentiality of the personal information is assured.

We and any companies within the Honister Capital Group to whom we pass on your information may use the information to contact you by post, fax, e-mail or telephone to bring to your attention additional products or services, which may be of interest to you. However, if you prefer not to receive such information you may withdraw your consent by contacting our client services department on 0800 597 2525. Please remember that by withdrawing your consent, we will not be able to contact you about products or services that may be of interest to you.

You have the right, at any time to contact us and ask for a copy of the information which we hold about you. You may be charged a fee for this.

We also may extract certain information from your data for the purpose of generating statistics but it is not possible to identify you from these statistics.

We are also committed to meeting the standards set out by our Regulator, the Financial Services Authority (FSA). Occasionally, they may wish to audit a sample transaction including our customer records to assess our compliance with the rules. Strict confidentiality conditions are always imposed should this occur.

Telephone Calls

As part of our commitment to provide the highest quality of service we may occasionally record or monitor telephone conversations in order to improve our service standards and for staff training purposes.

How Do We Keep Your Information Secure?

Some of the services available through our website, which contain personal information, are protected by passwords and usernames. These are unique to each user, however, it is essential that you protect your password and username and keep them safe at all times.

Email Addresses

If you email us, or give us your email address, we will keep a record of it. We may use it to contact you occasionally about our products and services, which may be of interest to you. However, if you prefer not to receive such information, you may withdraw your consent by contacting our client services department on 0800 597 2525. Please remember that by withdrawing your consent, we will not be able to contact you about products or services that may be of interest to you.

Incoming Email

We cannot guarantee that any email sent to us will be received, or that the contents will remain private during transmission.

Outgoing Email

Any email and/or attachments from us will be scanned for the presence of computer viruses, but neither Willis Owen Ltd nor any of its subsidiary companies will accept responsibility for any virus or defect. The email and/or attachments transmitted with it are confidential and intended solely for the use of the individual or entity to which they are addressed. They may contain legally privileged information, and may not be disclosed to anyone else. If you have received an email in error, please notify the sender immediately and delete all copies from your system.

Third Party Links

Some pages on this site may contain hypertext links to web sites not maintained by us. In the event that there are third party links to other web sites for your convenience you acknowledge and agree that we are not responsible for the availability or functionality of such external sites. We are not responsible or liable for any loss, errors or omissions contained within such external sites.

Copyright

All rights, including copyright in the contents of these web pages and any photographs displayed on this website from time to time are owned and controlled for the purposes by Willis Owen Ltd or its associated companies.

All trademarks, names and logos are the property of Willis Owen Ltd or its associated companies.

Any reproduction of the whole or any part of these web pages is strictly forbidden without first having obtained Willis Owen Ltd’s prior written consent.

The use of any Willis Owens logo or trademark or other intellectual property is strictly forbidden, unless prior written approval (by licence) has been obtained.

Willis Owen Ltd will take immediate legal steps (including injunction proceedings) to stop any unauthorised intellectual property infringements and reserves the right to pursue claims for damages and interest where necessary.

Download

Please ensure that any software download is conducted at your own risk. Willis Owen Ltd accepts no liability for any problems that may arise as a result of any downloaded software. If you are in any doubt, we recommend that you take specialist advice before downloading.

Our Liability to You

Whilst we will use all reasonable endeavours to ensure the accuracy of any information placed on this website, we make no representations or give warranties of any kind with respect to this site or its contents. In addition we make no representation or warranties about the accuracy or the information contained on this website.

We make no warranty that the website will meet your requirements; the information provided is for general guidance 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 seek Independent Financial Advice.