Investment ISA Cash Boost – Terms and Conditions

Terms and Conditions for the Kingston Unity – 2018 VETS Cash Boost offer.

1. The promoter of this “Cash Boost” offer is Kingston Unity Friendly Society Limited, incorporated in England & Wales under the Friendly Societies Act 1992, registered number 775F and whose registered office is at 9 Navigation Court, Calder Park, Wakefield, WF2 7BJ (“KU”).

2. By participating in this Cash Boost scheme, you are deemed to accept the following key Terms and Conditions.

3. Eligibility: to be eligible for this offer you must: a. Make £6,000 of subscriptions into a KU ISA or £3,000 of subscriptions into a KU Junior ISA either through new funds (new funds: monies exceeding that held at the start of the offer period, taking withdrawals into account) or transfer of an existing ISA/Junior ISA between 1 July to 30 December 2018. External transfer only;

b. be eligible to hold an ISA/Junior ISA and abide by its Terms and Conditions;

c. ensure that transfer applications or funds for new/existing ISA/Junior ISA have reached KU between 1 July to 30 December 2018;

d. not have been advised in respect of applying for the product by a financial adviser.

4. Reward: For ISAs a £100 (“Cash Boost”) will be added to your KU ISA; For Junior ISAs a £50 (“Cash Boost”) will be added to your KU Junior ISA, if you meet the eligibility criteria.

The Cash Boost is not transferable and there is no cash alternative.

5. If any of either the £6,000 for ISAs or £3,000 for Junior ISAs is withdrawn within the first 12 months of opening, the Cash Boost will be removed. This includes transfers out, withdrawals or full closures.

6. By applying for this product, you must first read the Product Guide, Key Information Document and Terms & Conditions of the product.

7. You can only claim this Cash Boost once during this period.

8. The Cash Boost will be added to your account before the end of February 2019 subject to possible reclaim by KU in the circumstances set out above.

9. The Cash Boost will be added as a bonus and will not count towards your ISA/Junior ISA subscription limit set by the Government.

10. We can withdraw this offer or vary these Terms and Conditions at any time without prior notice. This will not affect any ISA/Junior ISA already opened prior to the relevant offer being varied or withdrawn.

11. This offer cannot be combined with any other promotional offer from KU in respect of subscribing for an ISA/Junior ISA.

12. If Kingston Unity is offering two or more Cash Boost offers at any one time the higher of them will be paid to you.

13. If you provide Kingston Unity with your email address, we will email you to let you know when your Cash Boost has been added.

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.