|
|
|
|
Incomeguard is a web based site of FTW(IFA) Ltd, a firm of Independent Financial Advisers, who are authorised and regulated by the Financial Services Authority. 
The site
is set up to supply specialist information with regard to income replacement
contracts and wherever possible to pass on the discounts associated with such
media.
Contracts
available include both capital and revenue products suitable for both the
individual and corporate market.
If you are
unable to find the answer to your enquiry within these pages then either try
our main website on
www.ftwifa.co.uk or
e-mail us.
Contact Information
1. Introduction This website is operated by Incomeguard.co.uk, a trading style of FTW(IFA)Ltd, a limited company registered in England and Wales under registration number 4126532. FTW(IFA)Ltd is authorised and regulated by the Financial Services Authority with a registration number of 3030428. Our registered address is 5 Lumb Cottages, Irwell Vale, Ramsbottom, Lancashire, BL0 0QS, United Kingdom. Incomeguard.co.uk and FTW(IFA)Ltd are committed to protecting the privacy of visitors to this web site. This Privacy Policy is designed to let you know what data we collect about you, how we store it and how we use it. By visiting this web site you are accepting the practices described in this Privacy Policy. Any dispute you have regarding privacy is subject to this Privacy Policy and the Terms and Conditions of Use. 2. Information We Collect 2.1 Cookies This site uses 'cookies' to gather information about your visit to this website. We use this electronically stored information to monitor and analyse how the website is used. You can control the use of 'cookies' by altering the internet settings on your computer. 2.2 Personal Information If you decide to apply on-line for a product or service or for a quote on a product or service offered by Incomeguard.co.uk you may be asked to provide personal contact details (such as name, postal address and e-mail address), financial information (for example, account or credit card details) and demographic/profile information (for instance, your postcode, age and income level). Your personal information may be held by Incomeguard.co.uk on computer or manual files and will be used for administration purposes including carrying out customer surveys, claims handling, fraud prevention as well as for underwriting any insurance cover we provide you with. Insurers share information with each other through 'register of claims' in order to prevent fraudulent claims. If you make a claim any information you supply to us will be put on a register. The details of the participants in the scheme and the name and address of the scheme operator are available on request by contacting our Data Protection Officer at the address provided in paragraph 2.3. below. 2.3 Marketing Contact information may also be used to send you (by post, phone or e-mail) information on other products and services provided by FTW(IFA)Ltd or other carefully selected companies. If you do not wish to receive promotional or marketing information from us or other carefully selected companies you can contact us by sending an e-mail to ftw@incomeguard.co.uk or by writing to: The Data Protection Officer 2.4 Modification of and Access to Data You can change and modify any information about you that we hold by contacting us at the e-mail or postal addresses noted in paragraph 2.3 above. Copies of all information we hold about you can be obtained by contacting us and requesting it. You will be charged a fee of £8.50 to cover our administrative costs in providing you with the information. 3. Security Incomeguard.co.uk employs up to date technology in order to protect against the loss, misuse or alteration of information under our control. Please note that the internet and e-mails are not 100% secure. We advise that you take this into account before e-mailing personal and confidential information to us. If you send information by e-mail to us you are doing so at your own risk. 4. External Links Incomeguard.co.uk and FTW(IFA)Ltd accept no responsibility for the content or privacy practices of any site to which a hypertext link from this site exists. The links are provided "as is" with no warranty, express or implied for the information provided within them. Terms and Conditions of Use1. Introduction 1.1 This website is operated by Incomeguard.co.uk, a trading style of FTW(IFA)Ltd, a limited company registered in England and Wales under registration number 4126532. Our registered address is 5 Lumb Cottages, Irwell Vale, Ramsbottom, Lancashire, BL0 0QS, United Kingdom. 1.2 These Terms and Conditions of Use govern your use of this website. We strongly advise you to read the Terms and Conditions of Use as they form a contract between you and FTW(IFA)Ltd for utilisation of the website. 1.3 If you do not agree with these Terms and Conditions of Use please do not use this website. By accessing the website you are deemed to have accepted these terms and conditions in full. 1.4 Your attention is also drawn to the Contact Us page and our Privacy Policy both of which contain important information that you are advised to read. 2. Our Obligation to You 2.1 FTW(IFA)Ltd will use its reasonable endeavours to maintain this website in an acceptable working condition. However, as we cannot guarantee that this will always be the case we cannot accept responsibility for any interruptions or failures in the operation of this website or for any defects that may exist, or for any costs, loss of profits, loss of data, or consequential losses arising from your use of, or inability to access or use the website. In addition FTW(IFA)Ltd does not warrant that the information accessible via this web site is accurate complete or current. 2.2 Access to the website may be suspended temporarily or permanently without notice. If you encounter any problems with the service please contact us. 3. Disclaimers 3.1 FTW(IFA)Ltd or their affiliates, directors, employees or other representatives shall not be liable for any damages arising in contract, tort, negligence statutory duty for any loss of profits, revenue or good will or any type of consequential loss, indirect or special loss or damage whatever arising from or in any way connected with this website or these Terms and Conditions of Use. For the avoidance of doubt nothing in these Terms and Conditions of Use shall exclude liability for death or personal injury arising from the negligence of FTW(IFA)Ltd, their servants or agents or any other liability that it is prohibited from excluding by law. 3.2 FTW(IFA)Ltd accept no responsibility for the content or privacy practices of any site to which a hypertext link from this site exists. The links are provided "as is" with no warranty, express or implied for the information provided within them. 3.3 The materials on this site do not constitute financial or other professional advice. Contact your Independent Financial Adviser for financial advice. 4. Copyright and Licence 4.1 Unless otherwise stated the copyright in all website design, text, graphics, the selection and arrangement thereof, and all software compilations, underlying source code, software (including applets) and all other material on this website belong to FTW(IFA)Ltd or their content and technology providers and any other rights in all material on this site are owned by FTW(IFA)Ltd. 4.2 Use of documents and related graphics on this site is for information and/or personal use only any copies of these pages saved to disk or to any other medium may only be used for subsequent viewing purposes or to print extracts for personal use. 4.3 No document or related graphics are to be modified in any way. 4.4 Graphics on this site are not to be used separately from the accompanying text. 4.5 The Incomeguard.co.uk copyright notice (i.e. Copyright © 2003 Income Guard) must appear in all copies. 4.6 No part of this site may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without FTW(IFA)Ltd prior written permission. 4.7 Any rights not expressly granted in these terms are reserved. 4.8 Intellectual property rights in all software and documentation supplied by us for your use in connection with the website remain our property or that of our licensors. 5. Severance The court may strike out or override any part of these Terms and Conditions of Use, which it considers unfair, unreasonable, invalid or unlawful (whether an entire clause or only part of one) and in such cases enforce these Terms and Conditions of Use as if the offending part had never been contained in it. The paragraph headings are for information only, and do not form part of these Terms and Conditions of Use. 6. Jurisdiction Unless otherwise agreed these Terms and Conditions of Use shall be governed by and construed in accordance with English law and the parties agree to submit to the exclusive jurisdiction of the English Courts. 7. Regulation FTW(IFA)Ltd is authorised and regulated by the Financial Services Authority. FTW(IFA)Ltd appears on the Financial Services Authority's (FSA) Register and our FSA Register Number is 303428. www.fsa.gov.uk/register
|
Copyright ©
2002 F T W (IFA) Ltd
|
01706-824126
01706-281605
5, Lumb Cottages, Irwell Vale, Ramsbottom, Lancs., BLO 0QS