Just Checking

Before we carry out your CTF options request, we need to do some identity checks. This isn't anything to worry about and should be a fairly simple process. We explain the process in more detail below.

To help make these checks as fast and simple as possible, we’ve teamed up with Yoti. This is an app that gives you a safe and convenient way to prove your identity and credentials, online and in person. You can find out more about Yoti including how they are regulated and which organisations work with them here. It’s important that we perform these identity checks to make sure somebody else isn’t trying to access your money.

How does it work?

Yoti allows you to digitally upload your identification (i.e. take a photo of it) and use your phone to identify yourself. It uses 256-bit encryption for data security and allows you to choose which parts of your identity you want to share.

It’s already being used to check identification in nightclubs and supermarkets, and once you’ve registered, you can use Yoti to verify your age and/or identity in many different places.

Getting started. 

To get going with Yoti, simply click on the button below if you already have an account. If you need some more help setting your Yoti account up, hit the text “How to set up Yoti” below the button for a detailed walkthrough about what you need to do.

Do I have to use Yoti?

No. If for any reason you can’t or don’t want to use Yoti, this doesn’t mean you can’t access your money or transfer it to a different savings account. We will still have to perform identity checks, but we will do this in a different way.

Call our CTF team on 01924 240164 and they can talk you through how to do this. It may be that it will take slightly longer to carry out the ID checks this way, so the sooner you can call us, the better.

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.