Trustnet Limited (“we”, “our”, “us” and derivatives) are committed to protecting and respecting your privacy. This Privacy Policy, together with our Terms of Use, sets out the basis on which any personal data that we collect from you, or that you provide to us, will be processed by us relating to your use of any of the below websites (“sites”).

For the purposes of the Data Protection Act 1998, the data controller is Trustnet Limited of 3rd Floor, Hollywood House, Church Street East, Woking, GU21 6HJ. Our nominated representative for the purpose of this Act is Kirsty Witter.

WHAT INFORMATION DO WE COLLECT ABOUT YOU?

We collect information about you when you register with us or use any of our websites / services. Part of the registration process may include entering personal details & details of your investments.

We may collect information about your computer, including where available your operating system, browser version, domain name and IP address and details of the website that you came from, in order to improve this site.

You confirm that all information you supply is accurate.

COOKIES

In order to provide personalised services to and analyse site traffic, we may use a cookie file which is stored on your browser or the hard drive of your computer. Some of the cookies we use are essential for the sites to operate and may be used to deliver you different content, depending on the type of investor you are.

You can block cookies by activating the setting on your browser which allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or part of our sites. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies as soon as you visit our sites.

HOW WE USE INFORMATION

We store and use information you provide as follows:

We may also send you emails to provide information and keep you up to date with developments on our sites. It is our policy to have instructions on how to unsubscribe so that you will not receive any future e-mails. You can change your e-mail address at any time.

In order to provide support on the usage of our tools, our support team need access to all information provided in relation to the tool.

We will not disclose your name, email address or postal address or any data that could identify you to any third party without first receiving your permission.

However, you agree that we may disclose to any regulatory authority to which we are subject and to any investment exchange on which we may deal or to its related clearing house (or to investigators, inspectors or agents appointed by them), or to any person empowered to require such information by or under any legal enactment, any information they may request or require relating to you, or if relevant, any of your clients.

You agree that we may pass on information obtained under Money Laundering legislation as we consider necessary to comply with reporting requirements under such legislation.

ACCESS TO YOUR INFORMATION AND CORRECTION

We want to ensure that the personal information we hold about you is accurate and up to date. You may ask us to correct or remove information that is inaccurate.

You have the right under data protection legislation to access information held about you. If you wish to receive a copy of any personal information we hold, please write to us at 3rd Floor, Hollywood House, Church Street East, Woking, GU21 6HJ. Any access request may be subject to a fee of £10 to meet our costs in providing you with details of the information we hold about you.

WHERE WE STORE YOUR PERSONAL DATA

The data that we collect from you may be transferred to, and stored at, a destination outside the European Economic Area (“EEA”). It may be processed by staff operating outside the EEA who work for us or for one of our suppliers. Such staff may be engaged in, amongst other things, the provision of support services. By submitting your personal data, you agree to this transfer, storing and processing. We will take all steps reasonably necessary, including the use of encryption, to ensure that your data is treated securely and in accordance with this privacy policy.

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 sites; any transmission is at your own risk. You will not hold us responsible for any breach of security unless we have been negligent or in wilful default.

CHANGES TO OUR PRIVACY POLICY

Any changes we make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by e-mail.

OTHER WEBSITES

Our sites contain links to other websites. If you follow a link to any of these websites, please note that these websites 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.

CONTACT

If you want more information or have any questions or comments relating to our privacy policy please email publishing@financialexpress.net in the first instance.

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Ethical Investment Guide

FAQ

Frequently Asked Questions

What types of ethical investment are available?

There are ethical Unit Trusts, OEICs , Investment Trusts, Insurance Bonds and Pension funds, Individual Savings Accounts and other savings schemes. You may also have an ethical mortgage. The majority of funds that invest ethically are Unit Trusts or OEICs.

How do I choose an ethical fund?

To choose an ethical fund you first have to identify the issues that most concern you. If you are unsure about which ethical, environmental or social issues to focus on or want to know more about a particular area, EIRIS (Ethical Investment Research Service) has detailed and comprehensive information on their web site: www.eiris.org

Each fund should state their investment policy, and provide you with information on the companies in which they invest.

There are over 100 ethical retail funds to choose from so it may take some time to decide which one is right for you. You may also want to take the performance or cost of the fund into consideration. If you are unsure about any investment you should seek the advice of an Independent Financial Adviser, making sure that the one you have chosen is active in deploying and monitoring ethical policies.

Who determines what is ethical?

Ultimately it is you who decide what is ethical. A non-smoker for example, may not want to place their money in a fund that invests in tobacco companies, or a vegetarian may want to avoid any fund that has holdings in meat retailers. Each fund will also have a different idea of what is acceptable. Some management groups have an in-house team who screen companies for investment and decide what issues are most important; others use external consultants such as EIRIS to guide them.

What are the risks?

As with all collective investment funds (pooled investments that invest in equities and other securities) there is some risk involved. It depends upon the length of time you hold the investment and the fund you choose; you should consider a medium to long term investment period of five years or more. There are top performing funds and poor performing funds in every sector and the worst scenario could see the value of your investment drop.

In the 26 years that ethical funds have been in the market, many have claimed that the funds have an added risk because of their limited investment universe created from strict negative screening methods. Past performance has shown that some ethical funds have achieved returns better than the average. The introduction of lighter green funds and new investment processes means that the ethical investor has a much larger market to choose from.

How do I invest in an ethical fund?

An ethical Unit Trust, OEIC or ISA can be bought direct from the management group, via a stockbroker, financial adviser or fund supermarket. You can invest in an ethical Investment Trust by contacting the trust itself or through a stockbroker (there are some web-based stockbrokers available). You should always check that the fund suits your ethical principles by reading the Key Features document and the fund manager's statement.

For the less experienced investor it is always advisable to go via an authorised Independent Financial Adviser, who can help you select a fund that suits your needs and also complete all of the transactions on your behalf. Remember that not all IFAs have ethical expertise. You can view a list of ethical IFAs on the EIRIS web site ( www.eiris.org ); they also give you some tips on what to ask.

How do I find out what ethical funds are available?

You can view a list of ethical funds on FE Trustnet. Select 'Ethical' from the sector drop down list on the price and performance pages. When you have invested you can also monitor the value of your ethical trust on a daily basis using the prices published on web sites, including FE Trustnet, and in financial papers.

Where can I get more information on ethical investment?

There is a wealth of information available on ethical investment. Here are just a few web sites to get you started (FE Trustnet does not endorse these organisations, nor are we responsible for the content on their web sites):

Ethical Investment Research Service www.eiris.org

Carries out independent research into corporate behaviour. This site has an ethical IFA directory and detailed background information on the issues involved.

To access the EIRIS IFA Directory from the homepage link above, click on 'EIRIS Services' and it will be listed under EIRIS services for private investors. You can search the Directory by company name or postcode.

Investment Association www.investmentfunds.org.uk

Has an ethical investment factsheet, also lists positive and negative criteria.

UK Social Investment Forum www.uksif.org

Promotes and encourages SRI in the UK.

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