Disclaimer

All reasonable steps are taken to ensure the accuracy of any information placed on this website. However, we make no representations or give any warranties of any kind with respect to this site or its contents, and we disclaim all representations, except where fraudulently made, and warranties.

The aim of this website is to provide you with general information only and does not attempt to give you advice on any particular service or to recommend any particular solution. If you have any doubt as to whether a particular service, solution or investment is suitable for you, you should seek advice.

Where we have provided links to third party websites for further information, you should be aware that we are not responsible for the accuracy, availability or functionality of these sites, and thus cannot be held liable, directly or indirectly, for any loss however caused by your use of these linked sites.

Privacy policy

We take your personal privacy and security very seriously and are committed to protecting and respecting it. This policy (together with our terms of use) sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.

Who we are

We believe you should be aware of who we are, the types of information we may collect about you and what we do with your personal information.

This website is owned and operated by Berry & Oak Ltd. Our registered office is Berry & Oak, Boston House, 212-214 High Street, Boston Spa, Leeds, West Yorkshire LS23 6AD.

This Privacy Policy (together with our website terms of use) and any other documents referred to in it, sets out the basis on which any information we collect from you, or that you provide to us, will be processed by us.

Berry & Oak provides lifestyle financial planning and wealth management services and advice to private individuals, families, businesses, entrepreneurs and trustees.

What information do we collect?

We may collect the following information about you:

  • Information that you provide by filling in forms on our website. This also includes requests for any further services. We may also ask you for information if you report a problem with our site.
  • As appropriate, you will be asked to enter: your name, email address and other basic information. By completing the enquiry form you voluntarily choose to submit personal details to us via this website. Personal information will be treated as confidential and held in accordance with the Data Protection Act 1998.
  • If you contact us by post, email, telephone, or in person, we may keep a record of that correspondence or interaction and the information you give to us.
  • Details of your visits to our website including, traffic data, communication data, and the resources that you access.
  • Information we receive from third parties who provide services to you or us, and credit reference or fraud prevention agencies.
  • Personal and financial information that we learn about you through our relationship with you and any services or products you take up. This may include sensitive personal data such as information about your health. We will only process your sensitive personal data where required for the process of fulfilling our obligations to you at your request.

How do we use the information?

We collect this information in order to provide you with appropriate financial planning advice and any associated services. We may use and share this information with other companies and with third parties providing services to you and us so that we and they are able to:

  • Personalise your experience (your information helps us to better respond to your individual needs).
  • Improve our service (your information helps us to more effectively respond to your support needs).
  • Access and process applications, provide you with services and administer and manage our relationship with you, including processing your payment for those services.
  • Carry out insurance and product risk assessments and client verification.
  • Carry out obligations arising from any contracts with you.
  • Recover debt.
  • Prevent and detect crime and meet legal or regulatory requirements, including verifying your identity.
  • Notify you about changes to our service.
  • Provide you with other relevant information.

We may also use the information you provide to us for research purposes and to invite you to participate in research or provide feedback on the quality and breadth of services.

We will hold this information for as long as it is necessary for the purpose for which it was collected and to comply with our regulatory and legal obligations.

We may also record any telephone conversations between us. We may use any recordings, or transcripts from them, as well as any emails you send us, for the purposes of investigating any complaint you may make, or as evidence in any dispute or anticipated dispute between you and us.

What security procedures do we have in place?

Your security is very important to us but we need your help to keep you safe. You need to be vigilant about your security at all times when online and double check any links sent to you that may appear to be from us.

We implement a variety of security measures to maintain the safety of your personal information when you access and use our site; and we will take all appropriate measures to protect your information from unauthorised processing, loss or damage.

Do we use ‘cookies’?

This website may write small files to your computer called “cookies”, which we may use for the following reasons:

  • To ensure you are properly logged in where this is necessary to use the site.
  • To track your progress through the site so we can make improvements to the service we offer you.
  • To remember any preferences which the site may allow you to set.

Cookies may be required to allow you to access and participate in certain areas of the website. The cookies we store on your computer do not contain any personally identifiable information.

You do not have to accept cookies and you can disable them or change the way your computer handles them by adjusting your browser settings. The majority of browsers will allow you to alter the settings used for cookies and to disable and enable them as you require. If you choose not to accept cookies, you may experience problems using areas of this website that require you to log on.

If you want to delete any cookies that are already on your computer, please refer to the instructions for your file management software to locate the file or directory that stores cookies.

How can you correct any inaccuracies in your personal information?

Should any of your personal information change or the information we hold about you is incorrect, please let us know and we will ensure your records are updated. You can use the ‘contact us’ option or email us at clientservice@berryandoak.com, write to us at the address below, or call us on 01937 223055. If you telephone to inform us of the change, we may ask you to confirm it in writing.

Data protection

Berry & Oak is committed to complying with the requirements of the Data Protection Act 1998. This means that in the provision of our services, appropriate personal information is processed and kept securely. The information we hold and share allows us to better understand what our clients need from us. If you give us a postal or an email address or mobile phone or landline number, you agree that we may send notices and information (such as newsletters, seminar invitations, appointment confirmations and notices of changes to these Terms and Conditions of Business or our Privacy Policy).

If your name(s), address, telephone number(s) or email address change you must tell us. If you telephone to inform us of the change, we may ask you to confirm it in writing.

We will not disclose your information to anyone outside of Berry & Oak, except to: third party service providers; agents and sub-contractors acting on our behalf (including credit reference agencies); government entities or regulatory bodies in order that we may fulfil our responsibilities and obligations or they exercise their powers or functions; or where we have your permission. Data security is high on our list of priorities.

Your personal information may be transferred outside of the European Economic Area. Any of your information that is transferred will be processed in those countries on the basis that anyone we pass it to provide an adequate level of protection. However, such information may be accessed by law enforcement agencies and other authorities to prevent and detect crime and comply with legal obligations.

Where we have given you (or where you have chosen) a password which enables you to access certain parts of our site, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.

Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

We may also share your personal data within Berry & Oak where we have your consent and send you information to make you aware of other products and services which we or third parties can provide. We will not share your information outside of Berry & Oak for marketing purposes.

You will always be able to change your mind about receiving marketing messages by sending us an email with your instructions, by telling your financial planner, or by writing to us at Berry & Oak, Boston House, 212-214 High Street, Boston Spa, Leeds, West Yorkshire LS23 6AD.

We will, of course, continue to send you important information relating to your client arrangements.

Your consent

By using our site, you consent to the terms within this Privacy Policy.

Your rights

You have the right to ask for a copy of the information held by us in return for payment of a fee of £10. If you would like a copy of the information we hold about you, please write to the Compliance Officer whose contact details are set out below:

Compliance Officer, Berry & Oak, Boston House, 212-214 High Street, Boston Spa, Leeds, West Yorkshire LS23 6AD.

Tel: 01937 223055

email: clientservice@berryandoak.com

Our site may, from time to time, contain links to and from the websites of our partners, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.

Changes to our privacy policy

Any changes we may make to our Privacy Policy in the future will be posted on this page and, where appropriate, notified to you by email.

Terms of website use

Berry & Oak welcomes you to the www.berryandoak.com website (our site). These terms of use together with our privacy policy (see above) set out the terms of use on which you may make use of our site. Please read these terms of use carefully before you start to use the site.

Use of our site includes accessing, browsing, or registering to use our site. Please read these terms of use carefully before you start to use our site. We recommend that you print a copy of these terms of use, or save a local copy, for your future reference.

By using our site, you indicate that you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using our site.

If you have provided any personal details and those details subsequently change, you should notify us by emailing clientservice@berryandoak.com

Other applicable terms

Our Privacy Policy (see above), which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our site, you consent to such processing and you warrant that all data provided by you is accurate.

Information about us

Our site is a site operated by Berry & Oak. We are registered in England and Wales under company number 09940516. The registered office is Boston House, 212-214 High Street, Boston Spa, Leeds, West Yorkshire LS23 6AD.

Berry & Oak is regulated and authorised by the Financial Conduct Authority (FCA), with Firm Reference Number (FRN) No 787328 on the FCA’s register.

Changes to our site

We may update our site from time to time, and may change the content at any time. However, please note that any of the content on our site may be out of date at any given time, and we are under no obligation to update it.

We do not guarantee that our site, or any content on it, will be free from errors or omissions.

Accessing our site

Our site is made available free of charge.

We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. Access to our site is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our site without notice. We will not be liable to you if for any reason our site is unavailable at any time or for any period. You are responsible for making all arrangements necessary for you to have access to our site.

You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

We may restrict access to some parts of our site and, from time to time, we may change the restricted areas or restrict access to the entire site.

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these terms of use.

No reliance on information

The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site. For financial planning advice, please see your Berry & Oak financial planner.

Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up-to-date.

Information about you and your visits to our site

All information received by us from you and/or your use of our site will be used in accordance with our privacy policy.

We respect the personal information provided by you. We will only transfer this information in accordance with our privacy policy and as may be required to provide services to you.

Intellectual Property Rights

Unless otherwise stated, we are the owner or the licensee of all copyright, trademarks and other intellectual property in all material on our site (including without limitation text, tools, photographs and graphical images). Those works are protected by copyright laws and other intellectual property rights. All such rights are reserved.

Nothing in our site shall confer on any person any license or right with respect to any such intellectual property. The Berry & Oak name may not be used in any way, including in advertising or publicity pertaining to distribution of information without our prior written consent.

The images, logos and names on our site which identify Berry & Oak or a provider of products or services from time to time are the proprietary marks of Berry & Oak or the provider concerned. Nothing in our site shall confer on any person any license or right with respect to any such image, logo or name.

You are not permitted to download‚ print‚ redistribute or extract any information from our site other than for your personal‚ non-commercial use.

You are not permitted to reproduce‚ copy, redistribute, modify or in any way change any of the information available on our site.

If you print off, copy or download any part of our site in breach of these terms of use and/or your service agreement, as the case may be, your right to use our site and any related materials will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

You agree to indemnify and keep indemnified, us, our officers, directors, agents, licensors, successors and assigns against all liabilities, claims, losses, costs, damage and expenses including legal fees incurred by us should you breach any of the terms of this section (Intellectual Property Rights).

Limitation of our liability

Nothing in these terms of use excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.

To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our site or any content on it, whether express or implied.

We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

  •       use of, or inability to use, our site; or
  •       use of or reliance upon any content displayed on our site.

Please note that we only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any content on it, or on any website linked to it.

We assume no responsibility for the content of websites linked on our site. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them. Please note that the terms of use of such websites may be different from our own.

Viruses

We do not guarantee that our site will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programs and platform in order to access our site. You should use your own virus protection software.

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site.

You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will cooperate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

Linking to our site

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement without our express consent. You must not establish a link from any website that is not owned by you.

Subject to your right to make use of any web and/or RSS feeds that we may make available from time to time; our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page without our consent. We reserve the right to withdraw linking permission without notice.

If you wish to make any use of material on our site other than that set out above, please address your request to clientservice@berryandoak.com.

Links from our site

Where our site contains links to other sites and resources provided by our clients or other third parties, these links are provided for your information only. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.

Miscellaneous

Nothing herein will be deemed to create a partnership or joint venture between us. Neither of us shall have the authority to bind the other or to contract in the name of or create a liability against the other in any way, for any purpose.

No failure or delay by either of us in exercising our rights pursuant to these terms of use will operate as a waiver of that right nor will any single or partial exercise by us or you of any right preclude any further exercise of any other right.

If any provision of these terms of use is found to be illegal, void or unenforceable by any court of competent jurisdiction, such invalidity shall not affect the validity of the remaining terms of our agreement.

In the event there is any conflict between any provisions of these terms of use and the service agreement between each member and us, the service agreement shall prevail.

A person who is not a party to our agreement has no right under the Contracts (Rights of Third Parties) Act 1999 to rely upon or enforce any term of our agreement but this does not affect any right or remedy of a third party which exists or is available apart from that Act.

Jurisdictions and applicable law

Please note that these terms of use, their subject matter and formation, are governed by English law. You and we both agree that the courts of England and Wales will have non-exclusive jurisdiction. However, if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.

If you are a business, these terms of use, their subject matter and formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.

Variations

We may revise these terms of use at any time by amending this page. Please check this page from time to time to take notice of any changes we have made, as they are binding on you.

Registering a complaint

If you wish to register a complaint, please write to the Head of Compliance & Governance, Berry & Oak, Boston House, 212-214 High Street, Boston Spa, Leeds, West Yorkshire LS23 6AD or contact us by phone: 01937 223055.

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman: www.financial-ombudsman.org.uk

Thank you for visiting our site.

Contact us

Please get in touch by contacting us at clientservice@berryandoak.com

 

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You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 1998. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.