Cookies

The Kingston Unity website uses Cookies to store information on your computer and to enhance your online experience. By using our site, you accept our use of Cookies. You can delete and block Cookies, but 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.

To find out more about Cookies and how to disable them if you wish, please read below.

What are Cookies?

A Cookie is a small file of letters and numbers that is downloaded on to your computer when you visit a website. Cookies are used by many websites and can do a number of things, e.g. remembering your browser preferences, recording what you have put in your shopping basket, and counting the number of people looking at a website. A Cookie file itself does not contain or collect personal information such as name, email address or mailing address.

The rules on Cookies are covered by the Privacy and Electronic Communications Regulations. The Regulations also cover similar technologies for storing information, e.g. Flash Cookies. The Regulations were revised in 2011, and the ICO is responsible for enforcing these rules. Cookies are not harmful to your computer. Cookies are simple, tiny, text files. They are stored on your computer and are incapable of performing any tasks or functions.

When you use the Kingston Unity website, a cookie file is stored in your web browser and allows Kingston Unity and elected third parties to recognise you and make your next visit easier and more useful.

Cookies can be “persistent” or “session” cookies:

Session Cookies – These Cookies store your browser information and will be deleted when you leave our site and close your browser.

Persistent Cookies – These files stay in one of the browser’s sub-folders until they are deleted manually or your browser deletes them based on the duration period contained within the Persistent Cookie’s file.

How we use Cookies

When you use and access this website, we may place a number of Cookie files in your web browser.

We use cookies for the following purposes: to enable certain functions of our website service, to provide online analytics such as Google Analytics, Google Adwords and Facebook Pixel, to store your preferences, to enable advertisement delivery, including behavioural advertising.

We use both Session and Persistent Cookies on the Kingston Unity website and the Professional Introducers’ log-in platform.

Data retention and Cookies

We ensure that all personal information that we control adheres to our Data Protection and Retention Policy. This includes any browser data stored within platforms such as Facebook and Google Analytics. Information will be stored on these platforms for 14 months before it is deleted. Retained data that could help identify a web visitors location has been amended to ensure anonymisation.   

How can I control my Cookies?

You can use your web browser to:

  • delete all cookies;
  • block all cookies;
  • allow all cookies;
  • block third-party cookies;
  • clear all cookies when you close the browser;
  • open a ‘private browsing’ / ‘incognito’ session, which allows you to browse the internet without storing local data; and
  • install add-ons and plug-ins to extend browser functionality.

The following links will provide you with the information you need to control cookies within your browser:

For more information on the data we collect and store, please visit our Privacy Notice.

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.