Legal

TERMS AND CONDITIONS FOR USE OF OUR WEBSITE

The Website is provided to you subject to the following terms and conditions. Please read the terms and conditions carefully as, if you visit the Website, you are deemed to have accepted them. If you do not agree to our terms, please leave the Website.

INTELLECTUAL PROPERTY RIGHTS

All intellectual property rights on this site are owned by or licensed to Wealthtime Limited. The re-production of any material on this site is prohibited, except for the printing and downloading of extracts for use in connection with the Wealthtime Private Client Service. The contents of this Website (including all website design, text, graphics, the selection and arrangement thereof and all software compilations, underlying source code, software and all other material) are the property of Wealthtime Limited or its content and technology providers, except in so far as individually stated on particular material or items. You may view the Website for the purposes of the Wealthtime Private Client Service only and you are not permitted without our permission (a) to store it or any part of it other than for the purposes set out in this paragraph; (b) to print out copies except for your own viewing/records; or (c) to reproduce, copy or transmit it (or any part of it) in any other way for any purpose other than in connection with the Wealthtime Private Client Service or in any other medium. You are also not entitled to alter the content in any way.

PRIVACY

Please review our Privacy Statement, which also governs your visit to our Website, in order to understand our practices.

LINKS TO OTHER WEBSITES

Links from this Website to other websites are made at your own risk and Wealthtime Limited accepts no liability for any linked websites or for their content. When you access a non-Wealthtime Limited website, please understand that it is independent from Wealthtime Limited and Wealthtime Limited has no control over the content of that website. Further, a link to a non-Wealthtime Limited website does not mean that Wealthtime Limited endorses or accepts any responsibility for the content or the use of such website. You must take your own precautions to ensure what is selected for use is free of such items as viruses, worms, trojan horses and other items of a destructive nature as Wealthtime accepts no responsibility for such things.

ADVERTISING/SPONSORSHIP

Inclusion of any material in adverts or sponsor's materials on this Website does not constitute any guarantee or endorsement as to the quality or value of any of the products or services advertised or any claims made about the product or service by the party offering it. Any correspondence or dealings which you may have with advertisers or sponsors promoting themselves on this Website are solely between you and that party. We cannot be responsible or liable for any loss or damage of any kind incurred as a result of any such dealing or as a result of the presence of such advertisers on the Website.

UPDATING OUR IMPORTANT INFORMATION

Information may be changed or updated on this Website without notice. Wealthtime Limited may also make improvements and/or changes in the products described in this information at any time without notice. Make sure you keep up-to-date by visiting the Website regularly. Also try to refresh your browser on a regular basis.

DISCLAIMER

The information published on our Website is provided as a convenience to visitors and should be used for information purposes only. The information does not purport to give investment advice, nor does it constitute a personal recommendation or an offer or a solicitation to buy or sell any security. The information is subject to change without notice. Whilst we make reasonable efforts to ensure that the information contained on the Website, whether supplied by ourselves or third parties, is current, accurate and complete at the date of publication, no representations or warranties are made (express or implied) as to the reliability, accuracy or completeness of such information. Wealthtime Limited cannot therefore be held liable for any loss arising directly or indirectly from the use of, or any action taken in reliance on, any information appearing on the Website.
In addition, no warranty is given as to the freedom of the Website (or any information downloaded from it) from errors, defects, viruses or other malicious programs or macros. We exclude all other express or implied terms, conditions, warranties, representations or endorsements whatsoever with regard to our Website or any information or service provided through our Website (which are provided to you on an "as is" basis) and we accept no liability in this regard. The limitations and exclusions in this clause do not affect your non-excludable statutory rights and only apply to the extent permitted by applicable law.

EMAIL

Please note that there is no guarantee that any email sent will be received, or that the contents of any such email will remain private or unaltered during Internet transmission. We accept no liability for any damages you or others may suffer as a result of the alteration or loss of confidentiality of any such information. We reserve the right to monitor the use and content of emails which are sent from and received by us for the purposes of ensuring compliance with our own email policy, and identifying and taking action against unlawful or improper use of our systems, including, but not limited to, spoofing, the transmission of computer viruses and denial of service attacks.

LIABILITY

We accept no responsibility for any loss suffered as a result of using this website, or the information displayed thereon, reliance on any of its content or downloading software or information from this site. You should seek advice if you are unsure how to protect your computer.

RESIDENCE & UK WEBSITE USAGE

This website is intended for use only by those who can access it from within the UK. Products and services advertised on these pages are intended for sale only to UK residents.
The information on this site is general and prospective investors and their advisers must read the relevant product literature and contract conditions. We do not give financial advice.

LAWS THAT GOVERN OUR SITE

These terms and conditions of use shall be governed by the laws of England and Wales and any dispute or action arising out of this site shall be determined in accordance with such laws.

WEBSITE POLICIES, MODIFICATION AND SEVERABILITY

We reserve the right to make changes to our Website, our policies and these terms and conditions of use at any time. If any of these conditions shall be deemed invalid, void or for any reason unenforceable, that condition shall be deemed severable and shall not affect the validity and enforceability of any of the remaining conditions.

SECURE MESSAGES

1. This service has a Secure Messaging facility, which enables you to send sensitive information and file attachments to Wealthtime Limited that could not normally be sent via email.

2. Please note that Wealthtime Limited cannot be held responsible for the safe receipt of any information sent via the Secure Messaging facility. This service should only be used by a Client of the Wealthtime Private Client Service or third parties who are authorised and accepted by Wealthtime Limited to provide instructions on a Client's behalf.

3. You should only submit a Secure Message if you are the authorised Wealthtime Online User, who has accepted the appropriate Terms & Conditions.

4. Wealthtime Limited reserves the right to amend these Terms & Conditions at any time without prior notice.

5. Wealthtime Limited reserves the right not to act on any instruction received if insufficient information is provided.

6. A full list of acceptable instructions can be viewed below. Please note that it may be subject to change at any time without prior notification.

7. Please note that Wealthtime Limited is unable to accept investment instructions via the Secure Messaging facility.

8. Please note that instructions to set up a new tranche of income cannot be accepted via Secure Messaging, only changes to existing tranches. Any changes to existing income payments must be notified to Wealthtime Limited at least 9 working days before the relevant pension payroll. Income is always paid on the 1st of the month. For setting up a new tranche of income, the Client will need to complete a Benefit Payment Form. Wealthtime Limited must have all the required information including cleared funds at least 14 working days before the month end, to enable income on a new tranche to be paid on the 1st of the next month. If the plan is fully invested, additional time will be required to disinvest any required funds from third party fund managers.

9. Secure Message Form - Attachment
For security reasons, only the following document types can be attached via this service:
Word (97-2003), Word 2007, Excel (97-2003), Excel 2007, images (gif, jpeg, png, and tiff), pdf, plain text (txt), rich text (rtf), tab separated (tsv) and comma separated (csv).

The maximum document size that can be attached is 3 MB. Please note large files will take longer to send.

All attachments will be verified by our anti-virus software.

A maximum of 3 files may be attached to the same message.

ACCEPTABLE INSTRUCTIONS FOR SECURE MESSAGES


InstructionAcceptedNot AcceptedComments
New benefit instruction   tick  
Amendment to benefit instruction received,
but not in income withdrawal
  tick  
Subsequent tranche instructions   tick  
Age admittance   tick  
Investment dealing (including switches/encashments)   tick  
Amendment to an existing tranche of drawdown tick    
Change of IFA address tick   IFA
Change of client address tick   IFA / Client
Change of agency (IFA) tick   Client
Amendment to online user's list of clients tick   IFA / Client
Adviser charge queries tick   IFA
General queries tick   IFA / Client
Change of personal details tick   IFA / Client
Instruction to transfer money to investment manager tick   IFA / Client
Valuation request tick   IFA / Client
Transaction report request tick   IFA / Client

VALUATIONS AND PRICES

The Latest Valuation Summary should always be cross-checked with the asset information as some values may be out of date, as it is not always possible to update every asset daily.

All the "Prices" shown are the last known price. This is usually the price on the last working day, however some prices cannot be updated as frequently so may be older.

The "Latest Valuation" is the latest value based on the price, and units held on our records.

Online valuations on the Asset View page are generally, for collectives, shown based on the bid price and for UK equity prices, shown on a "mid-price" basis. For shares listed on the London Stock Exchange Daily Official List, "mid-price" means "the mid point of the two prices shown on the London Stock Exchange Daily Official List on the relevant date".

PENDING TRADES

Pending Trades relate to instances where investment/units have been purchased or sold, but the documentation confirming the transaction is still outstanding so the monies paid or received and assets sold or bought may not yet be shown.

COMPANY REGISTRATIONS

Wealthtime Limited is registered in England and Wales, registered number 6016480. Registered office: The Oak House, Barford Lane, Downton, Salisbury, Wiltshire. SP5 3QA.

The Wealthtime SIPP is established by Wealthtime Limited, which has appointed Wealthtime Trustees Limited as Trustee and Wealthtime Limited as Scheme Operator.

Wealthtime Trustees Limited is registered in England, registered number 6243467. Registered office: The Oak House, Barford Lane, Downton, Salisbury, Wiltshire. SP5 3QA.

Wealthtime Limited is the ISA manager for the Wealthtime ISA and the Wealthtime JISA.

Barclays Stockbrokers Limited is the ISA manager for the Barclays Stockbrokers ISA.

FINANCIAL REGULATION

Wealthtime Limited is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 468461 and you can check this authorisation at www.fca.org.uk/register or by calling the Financial Conduct Authority on 0800 111 6768. The Operator of the SIPP is Wealthtime Limited. The Trustee is Wealthtime Trustees Limited which is not regulated by the Financial Conduct Authority.

CONTACT

All comments, queries and requests relating to our use of your information are welcomed and should be addressed to:
Contact: Chief Executive Officer
Address: Wealthtime Limited, The Oak House, Barford Lane, Downton, Salisbury, Wiltshire. SP5 3QA
Email: admin@wealthtime.co.uk
Telephone: 01725 512925