Terms & Conditions
General Information
This web site has been created for Cardale Asset Management Ltd, which is authorised and regulated by The Financial Conduct Authority, register number 226392. Cardale Asset Management Ltd is a Member Firm of the London Stock Exchange. The registered office of the firm is 2 Greengate, Cardale Park, Harrogate, North Yorkshire, HG3 1GY and the registered number is 4731281.
Jurisdiction
None of the information or services referred to on this web site are intended to be published or made available in any jurisdiction where to do so would be prohibited. Any persons who are not resident in the United Kingdom who access this site must first be satisfied that such action would not contravene the regulatory regime in their country of jurisdiction and thereby be considered a prohibited activity.
Risk Warning
All material published on this website is for information only. It does not constitute investment advice or represent a recommendation to pursue any specific investment strategy and should not be regarded as an offer or solicitation to conduct investment business, as defined in The Financial Services and Markets Act 2000. You should consult your investment adviser before taking any action with regard to the information available or services offered on this web site.
Investment Risk
The value and income of any of the securities or investments and the price of shares and the income derived from them may fall as well as rise. Investors may not receive the original amount invested in return. Investors should also be aware that past performance is not necessarily a guide to future performance. Investments in higher yielding bonds issued by borrowers with lower credit ratings may result in a greater risk of default.
Taxation
Statements concerning taxation are based on our understanding of the taxation law in force at the time of publication. The levels and bases of taxation may change. You should obtain professional advice on taxation where appropriate before proceeding with any investment.
Exchange Rates
Funds which invest in overseas securities are exposed to movements in exchange rates. These may cause the sterling value of shares and units to go up or down.
Income
Income payments may constitute a return of capital in whole or in part. Income may be achieved by foregoing future capital growth.
Additional Risks
There may be additional risks associated with investment in emerging and developing markets. Unregulated collective investment schemes operated in offshore centres are unlikely to offer a level of investor protection equivalent to the UK.
Data Protection and Client Confidentiality
Cardale Asset Management Limited and its subsidiary company, Cardale Nominees Limited, is registered under the Data Protection Act 1998. Consequently, any information you provide in connection with services we might offer to you will be processed in accordance with the provisions of the Act.
We may use personal information which you have submitted to us to:
- provide any services you have requested from us
- prevent fraud or money laundering
- to facilitate the dissemination of promotional material to you
- to provide information to third parties which might be necessary for the purpose of transacting business on your behalf and in accordance with your stated objectives
- to make disclosures to any regulatory authority to which Cardale Asset Management Ltd and its subsidiary company is subject
We will take all reasonable precautions to ensure the protection of your personal privacy through effective security measures. We cannot, however, guarantee that information relating to you and your affairs will not be unlawfully obtained by unauthorised parties, nor accidentally disclosed by us. We can only accept responsibility for any breach of security regarding your personal information where we have been negligent.
You are entitled to a copy of the information we hold about you.
Security and Compensation
Cardale Asset Management Ltd is a participant in the Financial Services Compensation Scheme established under the Financial Services and Markets Act 2000 which, subject to certain exceptions, provides limited compensation in respect of eligible liabilities if the firm is declared in default. In addition, Cardale Asset Management Ltd has loss and professional indemnity insurance arranged via HSBC which provides cover of £1 million in respect of professional indemnity and £6 million loss and fraud cover, per claim.
General Disclaimer
Whilst we have taken all reasonable care to ensure that the information contained within the pages of this site is accurate, current and complies with relevant UK legislation and regulations as at the date of issue, errors or omissions may occur due to circumstances outside our control. We reserve the right to change the content of all or part of the pages of this site at our sole discretion and without prior notice. We make no warranty or representation that the pages of this site can be accessed at all times during UK hours of business stated on this site. This site may be temporarily unavailable or restricted for administrative or other reasons. We will not be liable for any loss or damage arising out of or in connection with the loss of use of this site.
We accept no responsibility for information contained in any other sites which can be accessed by hypertext link from these pages or for those websites not being available at all times. The links to any other sites are provided for general information purposes only and the sites concerned and their contents are not endorsed or promoted by us in any way, unless otherwise stated. Please note that when you click on any external hypertext link, you will leave our site and access the external site at your own risk.