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 [email protected] in the first instance.

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Fund Supermarket Guide

FAQ

Frequently Asked Questions

What should I look for in a fund supermarket?
First consider what you want to invest in and through which channel you wish to invest. When researching funds on a supermarket it can be difficult to make comprehensive comparisons, as the supermarket may only store data on the funds it is selling. Also think about whether you need investment advice; there are a few supermarkets that offer an advisory service.

If you usually invest in an ISA towards the end of the tax year, it could be useful to look for a supermarket that will allow a lump sum investment online using a debit card. If you want a diverse ISA account, check that it has the ability to mix and match funds. As the online capabilities of fund supermarkets are frequently changing, take extra time to research the market before investing.

Is it cheaper to invest through a fund supermarket?
This depends upon the supermarket. The majority of supermarkets have substantial discounts on initial charges, but you still have to pay the annual charge in full. Use of a supermarket is usually free. If you invest via a supermarket operated by a discount broker or other IFA you may have to pay additional fees for the extra services offered to you or for administration.

Is it easier to invest through a fund supermarket?
In many ways, yes. When there are no technical problems opening an account, investing online is a relatively quick and easy process, especially compared to the conventional paper-based option. On the other hand, if you are concerned about the security of online investing and prefer to post your application forms, many supermarkets also enable you to download or request them. But the choice is sometimes limited.

One of the benefits of a fund supermarket is the ability to combine funds from different management groups in one ISA. This cannot be achieved outside of a fund supermarket (or similar facility), as ISA regulation restricts new investment to just one group each - for cash and stocks and shares - within a tax year. To make life easier, many supermarkets also offer ready-made fund packages.

Who are fund supermarkets aimed at?
Many supermarkets are aimed at the confident investor, although there are usually details on how to contact an IFA for advice before investing. There are also intermediary-only supermarkets. Contact your IFA if you would like to invest through this type of supermarket. Remember that they can determine the level of discount you receive on initial charges which may be different to the supermarket's original proposition.

What happens after I've invested?
The type of service received after investment can depend upon the method through which you have invested. Confirmation of purchases can be sent via email or a Contract Note through the post. Most supermarkets that have fully online capabilities also provide a portfolio tool (you usually need to set up a password) enabling you to check account progress or a transaction summary. If you invest in a mix and match ISA you may also receive a consolidated statement once or twice a year in addition to your online portfolio.

Transfers and other changes to your account also depend on the capabilities of the supermarket. The process of switching funds ranges from instant transfer online or via email, to having to send written instructions by post or downloading and posting a form.

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