Terms & Conditions / Privacy Statement

Privacy Statement Disclaimer

This website is designed to provide you with general information only and does not attempt to give you advice on any particular financial product or to recommend any particular financial product to you. If you have any doubt as to whether a particular financial product is suitable for you, you should contact us for further guidance.

Privacy Statement

Any information, which you give us, may then be passed by us to potential product providers and/or researchers who may use that information and respond with the terms they have found or that they are prepared to offer.

The law requires us to have your consent before we use any personal information you give us or pass it to any third parties. You must therefore agree with us that:

  • Any information we hold about you can be held on computer and/or paper files.
  • Any information, which you give us, including sensitive personal data such as health and medical records, may be disclosed to selected third parties for the purposes of finding the best available product for you and for processing any application you make.
  • We may disclose information held about you to insurance companies and other product providers, researchers and anyone whom we may use to process your application on our behalf. It may also be necessary for us to pass your details onto our compliance department, the Financial Services Authority & fraud prevention agencies if requested to do so in order to meet our responsibilities under the Financial Services and Markets Act 2000 and general United Kingdom law.
  • We (and any third party to whom we have passed your information, following your consent) may use personal information that we, or they, hold about you to contact you from time to time by post, fax, e-mail or possibly telephone to bring to your attention additional products or services which may be of interest to you. (We may track the pages visited on this website to bring you such further information). Should you not wish to be contacted under these conditions please let us know.

Your personal information may also be accessed by Xpat Ltd for the purposes of web site maintenance and administration. We agree that any consent given by you may be withdrawn by you at any time by contacting us in writing at the address given at the top of this website. You have the right, at any time, to contact us and ask for a copy of the information, which we hold about you. You may be charged an administrative fee for this.

Our liability to you

While we will use all reasonable endeavours to ensure the accuracy of any information placed on this website, we make no representations or give any warranties of any kind with respect to this site or its contents and we disclaim all representations, except where fraudulently made, and warranties. In addition we make no representations or warranties about the accuracy or the information contained on this website.

This website is designed to provide general information only and does not attempt to give you advice on any particular investment or to recommend any particular investment to you. If you have any doubt as to whether a particular investment is suitable for you, you should contact us for advice.

Third Party Links

In the event that there are third party links to other websites for your convenience, you acknowledge and agree that we are not responsible for the availability or functionality of such external sites. We do not endorse the content of any external sites and are not responsible or liable, directly or indirectly, for any loss however caused to you by your use of any external site.

Miscellaneous

The information on this website is for residents of the UK only. These Terms shall be governed by and construed in accordance with English law and the English courts shall have jurisdiction over any disputes between us.

Data Protection Policy

As part of our arrangement with you, Xpat Ltd (“we”, or “us”, or “our”) has certain obligations under privacy laws, including the UK Data Protection Act (the “Act”) to notify individuals how it will process any personal information it collects about them. This Notice will inform you of what personal information we collect, how that information is used, where it is transferred, and how you may view and amend such information. You may be assured that we will treat all personal information as confidential and will not process it other than for a legitimate purpose. Steps will be taken to ensure that the information is accurate, kept up to date and not kept for longer than is necessary. Measures will also be taken to safeguard against unauthorised or unlawful processing and accidental loss or destruction or damage to the information.

What type of personal information will be processed?

We collect and process various personal data about you for the purposes of providing advice, administration and management services which are explained in more detail below. “Processing” is defined in the Act but could include obtaining, recording or holding information or data. “Personal data” is information which can identify you as a living individual, including where used in conjunction with other information. Common examples of personal data which may be collected and used by us in our day to day business activities include: name; date of birth; gender; ethnicity; marital status; address; telephone number and other contact details (including email addresses); job title; and bank account and other
financial details.

Depending upon the types of products and services you require, the information collected and processed may also contain “sensitive personal data” for the purposes of the Act, which includes information held by us as to: your physical or mental health or condition; the commission or alleged commission of any offence by you; any proceedings for an offence committed or alleged to have been committed by you, including the outcome or sentence in such proceedings; sexual life; in limited circumstances, your membership of a Trade Union; your political opinions, religious or similar beliefs.

Any information which we receive fairly and lawfully relating to one of the above categories constitutes sensitive personal data. Examples of likely items which may contain sensitive personal data (although this is not an exhaustive list) are life insurance questionnaires, medical reports and SSP self-certification forms. Please note that as with personal data, you have freedom of choice when it comes to your decision as to whether you provide us sensitive personal data. In addition to your right to request that we stop processing your personal data and sensitive personal data at any time, you have an opportunity at the end of this Notice to choose not to provide sensitive personal data to us at all. You should however note that if you exercise this right or subsequently request that we stop processing all or part of your personal data and/or sensitive personal data, this could impact upon our ability to provide you with certain types of product and services and may ultimately result in us being unable to provide them to you at all.

How will my personal data be collected and used?

We collect personal data from you to the extent necessary to provide advice, administrative and management services and (subject to the provisions below), related marketing activities. We may process your personal data and sensitive personal data for the following reasons:

  • The administration, management and provision of advice in relation to financial services products;
  • Our legitimate business processes and activities including internal audit, accounting, business planning and proposed and actual transactions (including joint ventures and disposals of business); and
  • Compliance with legal (including dealing with claims), regulatory and other good governance obligations;

This list is not exhaustive and may be updated from time to time as business needs and legal requirements dictate. Some of the personal data that we maintain will be kept in paper files, while other personal data will be included in computerized files and electronic databases.

Who might my personal data be shared with?

Your personal data will be made available for the purposes mentioned above and only to responsible management, human resources, accounting, audit, compliance, information technology and other corporate staff. It may also be made available to third parties providing relevant services to us. Certain personal data will also be reported to government authorities where required by law and for tax or other purposes. Personal data may also be released to external parties as required by legislation, or by legal process, as well as to companies you authorise us to release your personal data to. We will not sell your personal data to any third party.

Direct marketing

We may wish to provide you with information about new products, services, promotions, and other information in which we think you may be interested. We may also pass your information onto third parties to enable them to provide you with such information. We, together with third parties may send you information by postal mail, fax, telephone, social media, SMS text, picture messaging, or by any other personal means of conduct; unless you have registered with the appropriate Preference Service (we would be grateful if you could let us know if this is the case). If you purchase a product from us we may retain your address for future mailings. If you do not want your information used for direct marketing purposes at any time, please contact our customer services department by e-mail at welcome@prismxpat.com to let us know and we will not send you any direct marketing.

E-mail marketing

We would also like to provide you with the above information by e-mail. However, we appreciate that email “spam” has become a problem in recent years. If you are a customer or you have previously asked us for information on our products: We may contact you regarding your purchase or other matters regarding transactions between us, or your customer relationship with us, or send you information on our products by e-mail, unless you have asked us not to do so; and we may also use your e-mail address to send you information about our services that we think may be of interest to you by way of informational e-mails, unless you have asked us not to do so.

Your right to review and amend personal data

You have the right to review your personal data and sensitive personal data held by us and have any inaccurate information about you corrected. If you wish to do so, or to notify a change in your details, please contact The Data Protection Officer on welcome@prismxpat.com or in writing to Xpat Limited, 1 Olympic Way, London HA9 0NP, United Kingdom. You may be charged a fee (subject to the statutory maximum) for supplying you with such data.

How to request that we cease processing your personal data

If at any time you wish us to cease processing your personal data or sensitive personal data, or contacting you for marketing purposes, please contact The Data Protection Officer by email to welcome@prismxpat.com or in writing to Xpat Limited, 1 Olympic Way, London HA9 0NP, U.K

Cookie Policy

INFORMATION ABOUT OUR USE OF COOKIES

Our Website uses cookies to distinguish you from other users of our Website. This helps us provide you with a good experience when you browse our Website and also allows us to improve our site.

Due to recent changes in law, all Web sites which operate across certain parts of the European Union are required to obtain consent using or storing cookies (or similar technologies) on your computers or mobile device. This cookie policy provides you with clear and comprehensive information about the cookies we use and the purposes for using them. To review the Privacy Policy that apply to our users, please read our Privacy Policy.

For further information about this policy, please contact welcome@prismxpat.com.

What is a cookie?

A cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies as soon as you visit our site.

Key Concepts

First and third-party cookies: whether a cookie is ‘first’ or ‘third’ party refers to the domain placing the cookie. First-party cookies are those set by a Website that is being visited by the user at the time (e.g. cookies placed by www.prismxpat.com).

Third-party cookies are cookies that are set by a domain other than that of the Website being visited by the user. If a user visits a Website and another entity sets a cookie through that Website, this would be a third-party cookie.

Persistent cookies: these cookies remain on a user’s device for the period of time specified in the cookie. They are activated each time that the user visits the Web site that created that particular cookie.
Session cookies: these cookies allow Website operators to link the actions of a user during a browser session. A browser session starts when a user opens the browser window and finishes when they close the browser window. Session cookies are created temporarily. Once you close the browser, all session cookies are deleted.
How to delete and block our cookies

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.

Your consent

By continuing to use our Website, you are agreeing to our placing cookies on your computer in order to analyse the way you use our Web site. Please read this cookie policy carefully for more details about the information we collect when you use this site.

If you do not wish to accept cookies in connection with your use of this Web site, you must stop using our site.

What cookies do we use and why?

We use traffic log cookies to identify which pages are being used. This helps us analyse data about web page traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.

We also use cookies to track campaigns from banner advertisements and opt-in emails. We may use third-party providers to help us determine which of our advertisements are most likely to be of interest to you. These providers may use behavioural information, such as how you navigate the internet, to provide relevant advertisements to you.
We also allow some of these companies to use tracking pixels. Tracking pixels may be used to collect and store information about visits to our website, such as which pages you viewed and how long you spent on the website, as well as the specific advertisement that you clicked to visit our site. No personally identifiable information is stored on these cookies or web pixels. The information reported to us is aggregated and anonymous. We use this information to understand, for example, the effectiveness of our advertising and marketing.
What specific cookies do we use on www.prismxpat.com?

List of cookies used on this website:

Cookie Name: _ga
Purpose: Google Analytics – Used to distinguish users.

Cookie Name: _gat
Purpose: Google Analytics – Used to throttle request rate.