Privacy Policy

We take care to protect the privacy of customers and users of this site. Set out below is an explanation of how we process information about visitors to the site:

Personal Information
Some information is collected automatically when you visit the site because your IP address needs to be recognised by the server. We may use this information to monitor and analyse how parts of our site are used. Individual users are not identified and we do not use ‘cookies’ for research.

We will not disclose without your consent any personal information we collect about you when you visit this site to a third party outside Optimum Independent Financial Advisers. Third party sites are not covered by this privacy policy.

Copyright
Copyright in the whole and every part of this site belongs to Optimum Independent Financial Advisers, unless otherwise indicated, and may not be used, sold, licensed, copied or reproduced in whole or in part in any manner or form or in or on any media to any person without the prior written consent of Optimum Independent Financial Advisers.

General Disclaimer
The information, including any financial information, contained on this site is provided for information only, and does not constitute an offer to sell (or the solicitation of an offer to purchase) any security, nor does it constitute investment advice. While the information contained on the site has been compiled in good faith, no representation is made as to its completeness or accuracy. Optimum Independent Financial Advisers makes no commitment, and disclaims any duty, to update or correct or to provide notice as to any error or omission in any report or other information contained on the site. Optimum Independent Financial Advisers reserves the right to add, modify or delete information on this site at any time.

All information and content on the site are subject to applicable statutes and regulations, and are furnished ‘as is’, without warranty of any kind, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Optimum Independent Financial Advisers shall not be liable (whether in negligence or otherwise) to any person for any error, omission or incompleteness in the information, or reliance on the information, on the site, nor shall Optimum Independent Financial Advisers be under any obligation to advise any person of any error therein. In no event shall Optimum Independent Financial Advisers be liable for any damages whatsoever (including, without limitation, damages for loss of profits, business interruption, or loss of information) arising out of the use of or inability to use the site or the information thereon, even if Optimum Independent Financial Advisers has been advised of the possibility of such damages. Because some jurisdictions prohibit the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you.

Please note that there is no guarantee that any e-mail sent to Optimum Independent Financial Advisers will be received by Optimum Independent Financial Advisers, or that the contents of the e-mail will remain confidential during internet transmission.

Links
Should you leave the website of Optimum Independent Financial Advisers via a link to an external site this policy will not apply. Optimum Independent Financial Advisers has no control or responsibility for the content or accuracy of the website you access, or to where any subsequent links may take you.

Cookies
Our website also makes use of Cookies (Cookies are small files stored on your computer) for the following purposes:
Enabling a service to recognise your computer so you don’t have to give the same information several times during one task.
measuring how many people are using services, so they can be made easier to use and there’s enough capacity to ensure they are fast.
For more information on how to manage and delete Cookies please visit the About Cookies website.

Cookie Policy

Information about the cookies on our website.The original EU legislation that became known as the “E-Privacy Directive” was published in 2003. It was concerned quite widely with the protection of privacy in the electronic communications sector. In 2009 the Directive was amended by Directive 2009/136/EC that included a requirement to seek consent for cookies. The EU Directive became law in the UK on 26 May 2011. The ICO (Information Commissioners Office) is responsible for enforcing it in the UK and decided that enforcement would commence from 26 May 2012. As a result of the changes to the law, website owners must now: Tell site visitors that the cookies are there; Explain to site visitors what the cookies are doing; and Obtain the consent of site visitors to store a cookie on their computer or device. The ICO advises that website owners take steps to ensure that their users are properly informed about the cookies used by their website. We acknowledge this advice and have therefore put together this Cookie Policy. In doing so we have followed guidelines issued by authorities on the subject of best practice, including the International Chamber of Commerce UK Cookie Guide, which can be located at http://www.international-chamber.co.uk/components/com_wordpress/wp/wp-content/uploads/2012/04/icc_uk_cookie_guide.pdf

What are cookies?
A cookie is a piece of information that a website stores on the website browser on your computer. The browser sends the information back to the website to enable the website to recognise the user. Cookies include information such as the lifetime and expiry date of the cookie, the domain the cookie has come from and an identifier – for example, a random unique number.

Managing cookies using your browser
Internet browsers will usually provide an option to disallow the setting of all or some cookies. You can find more about using your browser’s cookie settings either via the help menu for your browser or on the browser’s own website. Cookies can also be deleted by using your internet browser, but you must disallow them otherwise they will be reapplied the next time you visit a website. If you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our website.

Further information about our use of cookies
Cookies usually fit into one or more of the following four categories.

Category 1: Strictly Necessary Cookies
These cookies are essential in order to enable you to move around the website and use its features. These cookies do not gather any information about you that could be used for marketing or remembering where you’ve been on the internet. We are not required to get your consent to the use of Strictly Necessary Cookies.They last for one “session” and expire when you leave our website or close the browser. Cookies that fall into this category are: i. Shopping cart cookies; ii. Access to protected areas of a website; iii. Remembering previously entered text so it’s not lost if the page refreshes.

Category 2: Performance Cookies
Performance Cookies store anonymous information only and therefore cannot be used to identify you. We are required to get your consent to the use of Performance Cookies. By using our website, you agree that we can place these types of cookies on your device.Performance Cookies can be deleted from your browser history at any point before their expiry time. Cookies that fall into this category are: i. Analytics; ii. Advertising; iii. Pay Per Click.

Category 3: Functionality Cookies
These cookies remember your preferences to personalise your experience on our website. We are required to get your consent to the use of Functionality Cookies. By using our website, you agree that we can place these types of cookies on your device. Functionality Cookies can be deleted from your browser history at any point before their expiry time. Cookies that fall into this category are: i. Detecting if you have already seen a pop-up to ensure it doesn’t get shown to you again; ii. Submitting comments; iii. Remembering colours, font sizes and page backgrounds.

Category 4: Targeted Advertising Cookies
Targeted Advertising Cookies are used to deliver adverts more relevant to you and your interests. They are also used to limit the number of times you see an advertisement as well as help measure the effectiveness of the advertising campaign. The information they store is not anonymous. We are required to get your consent to Target Advertising Cookies. We will ask for consent from you to store these cookies on your device using a pop-up, overlay, splash page or header/footer bar. Cookies that fall into this category are: i. Collecting information about browser habits to target advertising; ii. Collecting information about browser habits to target website content. We will inform you about cookies in these ways: We have placed our Cookie Policy page as a link on every other page of our website to enable you to see and choose which cookies you allow from us. Please note that disallowing or deleting these cookies may affect the functionality of our website. If a cookie is a Targeted Advertising Cookie we will ask for your consent. We will endeavour to be as consistent as possible in the method we use to ask for your consent to make the user experience as easy to understand for you as possible. We will obtain your consent via a pop-up, overlay or splash page.

Name, Publisher and Functionality Description Category
CookieNotice Stores an on/off flag, used to control when the cookie policy popup appears. 1
__utm.gifgoogle.comGoogle Analytics beacon This web beacon GIF image supports the various Google Analytics cookies to allow site owners to view anonymous site usage statistics.http://www.google.com/policies/privacy/faq/ (section: Does Google Use Cookies?) 2
__utmaGoogle AnalyticsIdentifying unique visitors Each unique browser that visits a page on your site is provided with a unique ID via the __utma cookie. In this way, subsequent visits to your website via the same browser are recorded as belonging to the same (unique) visitor. Thus, if a person interacted with your website using both Firefox and Internet Explorer, the Analytics reports would track this activity under two unique visitors. Similarly if the same browser were used by two different visitors, but with a separate computer account for each, the activity would be recorded under two unique visitor IDs. On the other hand, if the browser happens to be used by two different people sharing the same computer account, one unique visitor ID is recorded, even though two unique individuals accessed the site.https://developers.google.com/analytics/resources/concepts/gaConceptsCookies 2
__utmbgoogle.comDetermining visitor session The Google Analytics tracking for ga.js uses two cookies to establish a session. If either of these two cookies are absent, further activity by the user initiates the start of a new session. See the Session article in the Help Center for a detailed definition and a list of scenarios that end a session. You can customize the length of the default session time using the _setSessionCookieTimeout() method.https://developers.google.com/analytics/resources/concepts/gaConceptsCookies 2
__utmcgoogle.comDetermining visitor session The Google Analytics tracking for ga.js uses two cookies to establish a session. If either of these two cookies are absent, further activity by the user initiates the start of a new session. See the Session article in the Help Center for a detailed definition and a list of scenarios that end a session. You can customize the length of the default session time using the _setSessionCookieTimeout() method.https://developers.google.com/analytics/resources/concepts/gaConceptsCookies 2
__utmzgoogle.comTracking traffic sources & navigation When visitors reach your site via a search engine result, a direct link, or an ad that links to your page, Google Analytics stores the type of referral information in a cookie. The parameters in the cookie value string are parsed and sent in the GIF Request (in the utmcc variable). The expiration date for the cookie is set as 6 months into the future. This cookie gets updated with each subsequent page view to your site; thus it is used to determine visitor navigation within your site.https://developers.google.com/analytics/resources/concepts/gaConceptsCookies 2