Your ISA guarantees from us

Because we all enjoy a little peace of mind when it comes to our finances

To help you feel good about your investment decisions and reduce the feeling of uncertainty from unpredictable markets, our Investment ISA delivers a number of guarantees and securities

Our guarantees

Our ISA will deliver 100% of your initial investment plus any bonuses we have added, less any withdrawals you have made, on the 10th anniversary of opening your account, or each 5th anniversary after that, guaranteed. Our ISA looks to the long term and while the returns from any investment go hand in hand with the potential risks, we feel that our added guarantees help you invest with confidence and get more out of your tax-free allowance.


Security from the FSCS

We are part of the Financial Services Compensation Scheme (FSCS)  and your ISA investment is protected up to £85,000 per person, per firm.


Your risk is managed

When you open an Investment ISA with us, your money is invested through our expertly managed With Profits fund. The aim of the fund, over the long term, is to offer savers a better return than more traditional cash saving options, but without entering a high-risk investment environment with their savings. This is achieved by spreading the investment over different assets including property, equities, Bonds and gilts. Our With Profits fund is a medium to low risk fund. You can learn more about where your money is invested here.

Our mutual ethos

As a mutual, we are here to create returns for our Members and not for corporate profit. Our mutual ethos means our Members are our shareholders and all surplus profits are returned to them as a bonus. It is this mutual ethos that has been the bedrock of our society for over 178 years.

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Your money is protected by the Financial Services Compensation Scheme

Other Important Information

Tax liability
Under current legislation, any money received from this ISA will be free of tax and doesn’t need to be declared on a tax return.

Tax legislation may change in the future. If you’re in any doubt, please take advice from a professional tax advisor – you may be charged for this advice.


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 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.

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