Every website needs some legal text and protection for both the site and its users and this, is ours. We have tried to ensure these are short but clear with no hidden terms and conditions in your dealings with us. Should you have any questions at any point, please contact us and we'll be happy to clarify any issue. The following wording is our combined "privacy policy", “disclaimer” and use of this “website" and any mailing material.
Privacy policy
www.totalinvestor.co.uk is operated by Techomedia Ltd ("we/us"). We are committed to protecting and respecting your privacy. This privacy policy explains what information we collect about you through our website and how we use that information and the procedures that we have in place to safeguard your privacy.
Cookies on Total Investor (TI)
This site, like many others, uses small files called cookies to help customise your experience. Find out more about cookies and how you can control them
This page contains information on what cookies are, cookies used by TI, how to specifically disable third party advertising cookies and some further reading on the subject. If it does not provide the information you were looking for, or you have any further questions about the use of cookies on TI, please email info@totalinvestor.co.uk
What are 'cookies'?
'Cookies' are small text files that are stored by the browser (e.g. Internet Explorer or Safari) on your computer or mobile phone. They allow websites to store such things as user preferences. You can think of cookies as providing a "memory" for the website, enabling it to recognise a user and respond appropriately.
How does TI use cookies?
A visit to a page on TI may generate the following types of cookie:
• Site performance cookies
• Anonymous analytics cookies
• Geo-targeting cookies
• Registration cookies
• Advertising cookies
• Third party advertising cookies
Site performance cookies
This type of cookie remembers your preferences for tools found on TI, so you don't have to re-set them each time you visit. Examples include:
• volume settings for our video player
• whether you see the latest or the oldest article comments first
• video streaming speeds that are compatible with your browser
Anonymous analytics cookies:
Every time a user visits our website, web analytics software provided by a third party generates an anonymous analytics cookie.
These cookies can tell us whether or not you have visited the site before.
Your browser will tell us if you have these cookies, and if you don't, we generate new ones.
This allows us to track how many individual unique users we have, and how often they visit the site.
Unless you are signed in to TI, these cookies cannot be used to identify individuals; they are used for statistical purposes only. If you are logged in, we will also know the details you gave to us for this, such as username and email address.
Geo-targeting cookies
These cookies are used by software which tries to work out what country you are in from information supplied by your browser when it requests a web page. This cookie is completely anonymous, and is only used to help target content
Registration cookies
When you register with TI, we generate cookies that signal whether you are signed in or not.
Our servers use these cookies to work out which account you are signed in with, and if you are allowed access to a particular service. It also allows us to associate any comments you post with your username.
If you have not selected 'keep me signed in,' your cookies get deleted when you either close your browser or shut down your computer.
While you are signed into either of the sites, we combine information from your registration cookies with analytics cookies, which we could use to identify which pages you have seen on TI as an individual,
Advertising cookies
These cookies allow us to know whether or not you've seen an advert or a type of advert, and how long it is since you've seen it.
We also use cookies to assist in targeted advertising. We may use cookies set by a third party to more accurately target advertising to you, to show, for example, adverts about holidays to users who have recently visited the travel section of our site. These cookies are anonymous - they store information about the content you are browsing, but not about who you are.
We also set anonymous cookies on certain other sites that we advertise on. If you receive one of those cookies, we may then use it to identify you as having visited that site if you later visit TI, and will serve targeted advertising based on this information.
Third party advertising cookies
A lot of advertisements you see on TI are generated by third parties. Some of these third parties use their own anonymous cookies to track how many people have seen a particular ad, or to track how many people have seen it more than once.
The companies that generate these cookies have their own privacy policies, and TI has no access to read or write these cookies. These third party advertising cookies may be used by those third parties to anonymously target advertising to you on other websites, based on your visit to TI.
Other third party cookies
On some pages of TI, third parties may also set their own anonymous cookies, for the purposes of tracking the success of their application, or customising the application for you. Because of how cookies work, TI cannot access these cookies, nor can the third parties access the data in cookies used by TI.
For example, when you share an article using a social media sharing button on TI, the social network that has created the button will record that you have done this.
How do I turn cookies off?
It is usually possible to stop your browser accepting cookies, or to stop it accepting cookies from a particular website. For example, we cannot tell if you are signed in without using cookies, so you would not be able to post comments.
All modern browsers allow you to change your cookie settings. These settings will typically be found in the 'options' or 'preferences' menu of your browser. In order to understand these setttings, the following links may be helpful, otherwise you should use the 'Help' option in your browser for more detail
Cookie settings in IE
Cookie settings in Firefox
Cookie settings in Chrome
Cookie settings in Safari
If you are primarily concerned about third party cookies generated by advertisers, you can turn these off by going to the Your Online Choices site.
You can also visit the trade body representing these advertising platforms for more information: Network Advertising Initiative.
They have provided a one-stop place that gathers all of the opt-out controls. Please bear in mind that the are many more networks listed on this site than those that we use at TI.
http://networkadvertising.org/managing/opt_out.asp
Statistical information
Information about you or your business that you provide by filling in forms on www.totalinvestor.co.uk
If you are a member of the public (terms used Consumer/Investor/Business/SME) choose to Register on our website, we will collect the following details from you to enable us to process your request:
- Name (or handle)
- Email address
- Postcode
- Male/Female
If you are a Professional registered user we will collect additional such as user type and specialism plus additional (optional) information in order to process your request.
How we store the information we collect about you
Any information that relates to you personally will be collected, stored and otherwise processed by us in accordance with the Data Protection Act 1998 and other relevant rules and regulations.
All information you provide to us is stored on secure servers. Any communications or payment transactions will be encrypted using SSL (Secure Socket Layer) technology. SSL has been designed to work with Explorer browsers and you will need to have at least Internet Explorer 6 to take advantage of this added security. Where we have given you (or where you have chosen) a password which enables you to access certain parts of our site, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.
Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.
How we use the information if you are an advertiser
We, and our agents and sub-contractors, use information held about you in the following ways:
• To carry out our obligations to you and to process your application effectively
• To ensure that content from our site is presented in the most effective manner for you and for your computer
• To provide you with information, products or services that you request from us or which we feel may interest you, where you have consented to be contacted for such purposes
• To allow you to participate in interactive features of our service, when you choose to do so
• To notify you about changes to our service
We may also use aggregate information and statistics for the purposes of monitoring website usage in order to help us develop www.totalinvestor.co.uk and our services and may provide such aggregate information only to third parties. These statistics (e.g. IP address, operating system and browser type) will not include information that can be used to identify any individual.
How we use the information if you are a registered customer
We, and our advertisers, use information held about you in the following ways:
• To provide you with information, products or services that you request from us or which we feel may interest you, where you have consented to be contacted for such purposes
• To conduct research and surveys to improve the range and quality of products and services which we offer you, provided that you have consented to us doing so
By registering and agreeing to our Terms of Business as part of the registration process itself you allow us send periodic newsletters, activity alerts and content sometimes relating to and from 3rd parties unless you do not wish to receive these and have “unsubscribed” from the newsletter or unchecked the various alerts in Notifications. You can do this in “Your Profile” – Manage Notifications. By unsubscribing you are not removing your ability as a registered user to access parts of the site and participate on the site itself or receive user alerts.
By registering and agreeing to our Terms of Business, you may be allocated automatically to certain groups we think may of interest to you and to assist you initially in the workings and user journey of the site. You can disengage from any group at any time in settings.
Disclosure of the information
We may disclose your personal information to any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries.
We may disclose your personal information to third parties:
• in the case of advertisers' information only, if we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets
• in all cases, if we are under a legal obligation to disclose it, or in order to enforce our terms of use
Advertisers' and Sponsors public information
Listings information submitted for display on the www.totalinvestor.co.uk website is information intended for the public domain and therefore cannot be classed as private. If we request any information which could be classed as private, we will make you aware of this at the time of submission.
By submitting your listings information to www.totalinvestor.co.uk, you give us unconditional permission to use this information regardless of any moral rights, copyright, service mark, trademark or patent laws. Further, you allow us to publish, modify, edit, translate, distribute and otherwise reproduce the information in whatever format we choose.
Transfers out of the European Economic Area ("EEA")
The data that we collect from advertisers only may be transferred to, and stored at, a destination outside the EEA. It may also be processed by staff operating outside the EEA who work for us or for one of our suppliers. Such staff may be engaged in, among other things, the fulfilment of your order, the processing of your payment details and the provision of support services. By submitting your personal data, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy.
Your Consent- Advertising
By advertising or sponsoring with or otherwise using www.totalinvestor.co.uk, you consent to your information being gathered and used in the ways described in this policy.
If we change our privacy policy we will post the changes on this page, and may place notices on other pages of our website, so that you may be aware of the information we collect and how we use it at all times. Continued access to and use of the website will signify that you agree to any such changes.
However, if you change your mind about the way you have agreed your data can be used, just let us know via the 'contact us' section on www.totalinvestor.co.uk. The consent given in this paragraph extends to any individual applying for a listing on www.totalinvestor.co.uk, as well as to any individual representing or otherwise employed by or contracted to any company, firm or organisation applying for a listing on www.totalinvestor.co.uk to the extent that such individual's data forms part of such listing, and you confirm that all such individuals have given their consent to their information being gathered and used in the ways described in this policy.
Updating your information
If any of the information that you have provided to us changes, for example if you wish to change your email address, name, please update the correct details by logging on to your account online.
We may use aggregate information and statistics for the purposes of monitoring website usage in order to help us develop www.totalinvestor.co.uk and our services and may provide such aggregate information to third parties. These statistics (e.g. IP address, operating system and browser type) will not include information that can be used to identify any individual.
Third Party Links
www.totalinvestor.co.uk contains links to websites owned and operated by third parties. If you follow a link to any of these websites, please note that they may have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.
Information we may collect from you if you are an advertiser
When you apply for a listing on www.totalinvestor.co.uk we may ask for the following details, to enable us to process your application effectively and to contact you in case of any query:
• Forename and surname
• Company name
• Postal address
• Position
• Telephone number
• Email and web addresses
Your Registration as a Professional
Impersonation of a "Professional" or a "Company" is strictly not allowed and will result in instant removal if identified and potentially, legal action to the full extent of the appropriate civil proceedings. Total Investor reserves the right to remove any registered user without notice.
Risk Warnings
This website is for information and guidance purposes only and contains 3rd party content and some journalistic comment or tips, which should be considered in regard to your own specific and personal circumstances. Specific advice of any nature should be taken before acting on any suggestions made or information read. Nothing on this site represents any recommendation to buy or legal, tax, property and investment advice (as governed by the Financial Services and Markets Act 2000) or advice of any kind by Total Investor. Any 3rd party direct contact, advice received, tips or purchase with professionals, service or product providers displayed, is entirely at your own risk. The value of shares and investments can go down as well as up. The FSA does not regulate Credit Cards, Will Writing and some forms of mortgage and Inheritance Tax Planning. Please note, some information displayed might be date sensitive, or apply for only a period and can change over time due to legislative, legal, accounting, regulatory or other factors.
How to contact us
We welcome your views about this site and our privacy policy. If you would like to contact us with any queries or comments please see the 'contact us' section on our website.
Website disclaimer
This web-site (www.www.totalinvestor.co.uk) is run by Techomedia Limited. It contains information on Brokers, Lawyers, Accountants, Financial Advisers, Property and Industry related professionals, Product and Service providers who provide advice and services in the UK. The information is directed only at persons in the UK and if a regulated activity the financial information is approved by a person authorised and regulated by the Financial Services Authority.
Techomedia, www.totalinvestor.co.uk and the owners of any other web-site through which this information can be obtained do not endorse or approve any of the brokers or financial advisers, professionals or product providers or service providers listed in the directory or any part of the site or any advice that they may provide.
The materials contained in www.www.totalinvestor.co.uk are provided for general information purposes only and do not constitute professional or regulated advice. Techomedia and www.totalinvestor.co.uk do not accept any responsibility for any loss, which may arise from the reliance on information contained in this site and accept no responsibility for information provided by third parties as any links to third party sites are provided solely as a convenience to users and at your own risk.
Techomedia and www.totalinvestor.co.uk give permission for the downloading, printing, and temporary storage of one or more of the documents or pages retained on this website for personal use or internal business use. The reproduction or transmission of the contents of this website is prohibited without the prior written consent of Techomedia Limited.
TERMS OF USE
www.totalinvestor.co.uk ("Website") is operated by Techomedia Ltd under licence from www.totalinvestor.co.uk Limited (jointly and severally (as applicable) "we/us/our").
These Terms govern the access and use of our Website by each visitor to the Website ("you" or your"). If you do not agree to be legally bound by these Terms then you must not use our Website. We reserve the right at any time without notice to revise the content of these Terms by posting any changes to this page. Such revised Terms will be effective immediately they are posted and you are expected to check this page from time to time to take notice of any changes. By continuing to use our Website you are bound by all such revised Terms.
Your attention is drawn in particular (without limitation) to the sections headed "General disclaimer", "Specific disclaimers" and "Exclusion of liability".
Access to the Website
If the need arises, we may, without notice, suspend access to the Website, on a temporary or permanent basis (including without limitation if you breach these Terms or if we need to revise the content of our Website) and we reserve the right to amend the content of the Website or to withdraw or amend the service we provide on the Website without notice. We will not be liable if for any reason our Website is unavailable at any time or for any period.
Links to other sites
Certain links, including hypertext links, on our Website will take you outside our Website. Such links are provided for your convenience and information only and inclusion of any link does not signify express or implied endorsement or approval by us of the linked site, its operator or its content. We are not responsible for the content of any linked Website and accept no responsibility for any errors, omissions or misleading statements on any such linked site or for any loss or damage that may arise from your use of the same.
Content
Our Services display content that is not Total Investor's. This content is the sole responsibility of the entity that makes it available. We may review content to determine whether it is illegal or violates our policies, and we may remove or refuse to display content that we reasonably believe violates our policies or the law. But that does not necessarily mean that we review content, so please don’t assume that we do.
Advertising
Our Website contains advertising content. Any such advertisers are solely responsible for ensuring that all material included in our Website is accurate and up to date and complies with all applicable laws, regulations and codes of practice. Please see these relevant advertisers' sites for any applicable privacy statements or other relevant terms and conditions.
Acceptable use of our Website
You agree to abide by all applicable laws, regulations and codes of conduct in force from time to time in respect of your use of our Website. You must not misuse our Website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of-service attack or in any other way interrupt or attempt to interrupt the operation of our Website.
No commercial use
Except as provided below and subject always to the section below headed "Intellectual property rights", you agree that you will use our Website only for your internal business purposes and that you will not use our Website or any of its contents for any commercial purpose.
Use of your information
You agree that we may collect, store, and use information about you in accordance with our Privacy Policy. You acknowledge and agree to be bound by the terms of our Privacy Policy as amended from time to time. You warrant that all data provided by you is accurate.
General disclaimer
We provide this Website and its content on an 'as is' and 'as available' basis and give no representations, guarantees or warranties of any kind, whether express or implied, with respect to this Website or its contents or that its operation will be virus free or uninterrupted. In particular, without limitation, we give no representation or warranties about the accuracy, completeness, or suitability for any purpose of the information published on our Website. The information contained in the brochures and fact sheets available on the Website is intended for general information purposes only and sets out our understanding of any chosen subject matter at the time of first publication. It is not intended to constitute advice or guidance upon which you may rely and is not a substitute for professional, financial or tax advice based on your personal circumstances.
All users are advised to seek independent professional advice before acting on anything contained in our brochures, factsheets or other material contained on our Website. The information:-
• may be incorrect or out of date; and/or
• may not constitute a complete or definitive statement of the law or any tax issues.
Specific disclaimers
Without prejudice to the "General disclaimer" in the above section, information contained in the "Search Advisers" service has been provided by each of the advisers directly concerned. The information is directed only at persons in the UK and is approved by a person authorised and regulated by the Financial Services Authority. We do not run checks to verify the data as it is not practicable for us to independently verify all the data provided. We do not endorse or approve any of the brokers, professionals or advisers listed in the directories or any information or advice that they may provide and we accept no responsibility in respect of the same.
Exclusion of liability
Your use of our Website, and of any links to third parties sites, is at your sole risk. To the fullest extent permitted by law, neither we nor any of our directors, employees or other representatives will be liable for any loss or damage arising out of or in connection with your use of this Website or reliance on any information available on the Website or any third party site linked to this Website. This is a comprehensive exclusion of liability that applies to all damages of any kind, including without limitation compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property and claims of third parties.
Notwithstanding the foregoing, none of the exclusions and limitations contained above affects any statutory rights you may have as a consumer or our liability for:-
• death or personal injury resulting from our negligence or that of our employees or agents;
• fraud or fraudulent misrepresentation; or
• any other matter which cannot be excluded or limited.
Intellectual property rights
We are the owner or the licensee of all intellectual property rights (including without limitation copyright, and registered and unregistered trade marks and designs) in our Website and in the material published on it, including without limitation all copyright in the design, text, graphics software and other material on our site and the selection or arrangement thereof. Permission is granted to electronically copy and print in hard copy extracts from our Website for your personal reference solely in connection with the acquisition of goods or obtaining information through our site. Any other use of materials on our site (including without limitation use or reproduction for purposes other than those set out above and any alteration, modification, distribution, or republication of materials) is strictly prohibited without our prior written permission.
All other trade marks, product names and company names or logos used on our Website are the property of us, advertisers, promoters, or our licensors. No permission is given by us in respect of the use of any such trade marks, get-up, product names, company names, logos or titles and such use may constitute an infringement of our or our licensors' rights. Buyers of our merchandise have a limited non-exclusive licence to use the Total Investor logo on the terms set out in the Merchandise Terms.
Governing law and jurisdiction
These Terms are governed by English law and the English courts have exclusive jurisdiction in respect of these Terms and their subject matter.
Further Information
If you have any questions or concerns about material which appears on our Website, please see the 'contact us' section on our Website.
Techomedia Ltd is registered in England, No: 6501349. Registered Address: Baker Tilly, Springpark House, Basing View, Basingstoke, Hants, RG21 4HG
