Cookies

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Cookie Policy

This website uses cookies to store information on your computer. Some of these cookies are essential to make our site work, and others help us improve our website by giving us insights into how the site is used.

What are cookies?

Cookies are small bits of information that a website stores on your computer. They are usually there to make your browsing experience more enjoyable or to gather information about the website user’s behaviour. There are two types of Cookie:

Session Cookies – These cookie files are erased when you close your browser. This cookie stores your browser information and will be active until you leave a site and close your browser.

Persisent Cookies – These files stay in one of the browser’s subfolders until they are deleted manually or your browser deletes them based on the duration period contained within the persistent cookie’s file.

What do we use cookies for?

Cookies are an important part of the internet. They make using our website much smoother and affect lots of useful features of the website.

What Cookies are used?

Analytics – We like to annoymously keep track of user behaviour to help us keep our site content relevant and up to date. Its also useful to identify trends of how people navigate through our site.

Professional Introducers log-in – cookies are used during the Professional Introducers log-in to store log-in details.

If you don’t want these cookies to be used when visiting our site, you can remove them by following these simple steps in Internet Explorer:

1. Click Tools & select Internet Options

2. Click the Privacy tab and select Advanced

3. Click Override automatic cookie handling. Specify how you want to handle cookies from first-party Web sites and third-party Web sites.

In modern browsers you will find your cookie options in your browser settings or preferences.

Please Note: You must confirm you have read the key facts, before downloading this document.

Key Facts about our services and costs

1. The Financial Conduct Authority (FCA)

The FCA is the independent watchdog that regulates financial services. This document is designed by the FCA to be given to consumers buying certain financial products. You need to read this important document. It explains the service you are being offered and how you will pay for it.

2. Whose products do we offer?

We offer products from the whole market

We only offer products from a limited number of companies

We only offer our own products

3. Which service will we provide you with?

We will advise and make a recommendation for you after we have assessed your needs.

You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.

We will provide basic advice on a limited range of stakeholder products and in order to do this we will ask some questions about your income, savings and other circumstances but we will not:

  • conduct a full assessment of your needs;
  • offer advice on whether a non-stakeholder product may be more suitable.

We can only offer products from Kingston Unity Friendly Society. These products will enable you to:

  • protect yourself and your loved ones in the event of death
  • save and invest with the added benefit of protecting yourself and your loved ones in the event of death
  • provide benefit cover in the event of sickness

4. What will you have to pay us for our services?

Normally, if you buy a financial product direct from us, there will be no payments such as commission or fees payable. If there are any commission or fees payable, we will tell you how we get paid and the amount before we carry out any business for you.

5. Who regulates us?

Kingston Unity Friendly Society, 9 Navigation Court, Calder Park, Wakefield, WF2 7BJ is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and .the Prudential Regulation Authority. Kingston Unity Friendly Society’s FCA Registered Number is 110056.

Kingston Unity Friendly Society permitted business is advising and arranging life assurance and pensions business.

You can check this on the FCA’s Register by visiting the FCA’s website www.fsa.gov.uk/register or by contacting the FCA on 0845 606 1234.

6. What to do if you have a complaint

If you wish to register a complaint, please contact us:
…in writing Write to Kingston Unity Friendly Society, Complaints Department, 9 Navigation Court, Calder Park, Wakefield, WF2 7BJ. …by phoneTelephone (01924) 240164

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

7. Are we covered by the Financial Services Compensation Scheme (FSCS)?

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.

Most types of insurance business are covered for 90% of the claim with no upper limit.