Terms

By accessing the website you are agreeing to the terms and conditions below each time you access this website.

Whilst we make every effort to ensure that the content on the site is accurate and current, we give no guarantee that the content will be free from error

Due to the continued development of our products and services the information detailed on this website may not be up to date. Refer to us for confirmation of the current status of any product or service. We may temporarily or permanently change any of these terms and conditions without affecting any accrued rights or liabilities.

We are not responsible for the privacy practices or the content of any other area of this website than that supplied by us.

New Data Regulations and GDPR

We're updating our Privacy and Cookie Policies to align with new data regulations which give your data better protection. The updates we've made are designed to make it clearer how we collect, store and use your personal data, as well as your rights relating to your data.

In our updated policies you'll find information on:

Information we collect - we have provided you with more detail about the types of information we collect about you and our basis for doing so.

How we use that information - we use your information to provide and improve our services; to offer a personalised experience; for billing purposes, including updating your details to enable continuous service; to monitor compliance with our terms and policies; for marketing, engagement and advertising; and for recruitment if you are applying for a role.

When we might share your data - we have outlined the types of partners we engage to provide services on our behalf, such as service providers, lenders and investment platforms.

How long we retain your personal information - we have provided a table within the policy summarising how long we retain your personal information.

Your rights - we have set out your strengthened rights, under data protection laws, in relation to the personal information we hold about you.

Cookies - our cookie policy contains further detail regarding the types of cookies we use, or third parties use on our sites, their purpose and, where possible, how you can block them.

The security of your data is extremely important to us, and we have invested heavily in ensuring your personal information is both respected and protected.

Complaints Procedure

If you have a complaint or dispute with us, you are entitled to make a complaint. We have a complaints procedure that is available on request. If you wish to register a complaint, please contact us either in writing, by telephone or email.

 Please be assured we treat complaints seriously. For your protection if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service ('FOS').  Please see the following link for further details:

 http://financial-ombudsman.org.uk/

Cookie Policy

(1) About cookies

A cookie is a file containing an identifier (a string of letters and numbers) that is sent by a web server to a web browser, and stored by the browser. The identifier is then sent back to the server each time the browser requests a page from the server.

Cookies can be used by web servers to identity and track users as they navigate different pages on a website and to identify users returning to a website.

Cookies may be either “persistent” cookies or “session” cookies. A persistent cookie consists of a text file sent by a web server to a web browser, which will be stored by the browser and will remain valid until its set expiry date (unless deleted by the user before the expiry date). A session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed.

By accessing the Website, you agree that this Cookie Policy will apply whenever you access the Website on any device.

(2) How we use cookies

Cookies do not contain any information that personally identifies you, but personal information that we store about you may be linked, by us, to the information stored in and obtained from cookies.

We may use the information we obtain from your use of our cookies for the following purposes:

(1) to recognise your computer when you visit our website;

(2) to improve the website’s usability; validating contact forms for example.

(3) to analyse the use of our website;

(3) Third party cookies

When you use our website, you may also be sent third party cookies.

Social sharing, video and other services we offer are run by other companies. These companies may drop cookies on your computer when you use them on our site or if you are already logged in to them.

Here is a list of places where you can find out more about specific services that we may use and their use of cookies:

Facebook’s data use policy; http://www.facebook.com/about/privacy/your-info-on-other

Twitter’s privacy policy; https://twitter.com/privacy

YouTube video player cookie policy:http://www.google.com/intl/en/policies/privacy/faq/#toc-cookies (Google’s standard terms).

Linked-In privacy policy; http://www.linkedin.com/static?key=privacy_policy

They may use the information they obtain from your use of their cookies:

(1) to track your browser across multiple websites;

(2) to build a profile of your web surfing;

(3) to target advertisements which may be of particular interest to you.

In addition, we use Google Analytics to analyse the use of this website. Google Analytics generates statistical and other information about website use by means of cookies, which are stored on users’ computers. The information generated relating to our website is used to create reports about the use of the website. Google will store this information. Google’s privacy policy is available at: http://www.google.com/privacypolicy.html.

(4) Blocking cookies

Most browsers allow you to refuse to accept cookies. For example:

(1) in Internet Explorer you can refuse all cookies by clicking “Tools”, “Internet Options”, “Privacy”, and selecting “Block all cookies” using the sliding selector;

(2) in Firefox you can block all cookies by clicking “Tools”, “Options”, and un-checking “Accept cookies from sites” in the “Privacy” box.

(3) Click on the ”Tools” menu and select “Options”. Click the “Under the Bonnet” tab and locate the “Privacy” section, and choose the “Content settings” button. Click the “Cookie settings” tab and choose your preferred settings. Google Chrome allows all cookies by default, but you can restrict the behaviour of first-party and third-party cookies or even block them completely

Blocking all cookies will, however, have a negative impact upon the usability of many websites.

(5) Deleting cookies

You can also delete cookies already stored on your computer:

(1) in Internet Explorer, you must manually delete cookie files (you can find instructions for doing so at http://support.microsoft.com/kb/278835);

2) in Firefox, you can delete cookies by, first ensuring that cookies are to be deleted when you “clear private data” (this setting can be changed by clicking “Tools”, “Options” and “Settings” in the “Private Data” box) and then clicking “Clear private data” in the “Tools” menu.

Doing this may have a negative impact on the usability of many websites.

(6) Contact us

This website is owned and operated by Harvest Associates Limited

If you have any questions about our cookies or this cookies policy, please contact us by email at PMcFarlane@harvestassociates.co.uk

We suggest consulting the Help section of your browser or taking a look at the About Cookies website (http://www.aboutcookies.org.uk) which offers guidance for all modern browsers