Terms & Conditions
Terms and Conditions of Use
Although the Site can be accessed by anyone in the world, the products and services that we offer are only available to United Kingdom residents. If you are not resident in any of these territories we ask you to log out now: you should be aware that any further use of the Site is at your own risk. Junior ISA products will be available to children of UK residents and Crown employees serving overseas only. The tax advantages of some of our other products are available to UK residents only.
Site content
The site provides information only in respect of products and services provided by us, or by any partner of The Children’s ISA Ltd. We do our best to ensure that the information on the Site is accurate. We give no warranties of any kind, express or implied, with regard to the accuracy, timeliness or completeness of any such information. The information on the Site does not constitute financial advice nor an offer for services or products. Should you wish to proceed, you should obtain your own independent advice in relation to whether the product is appropriate for your needs and expectations.
Before you apply
Please make sure you read the Children’s ISA Key Features Document as it contains the Key Features and the Terms and Conditions for the account. The Key Features Document along with this online application, form the Agreement between you and us.
By completing this application, you are confirming that you have kept a copy of the Key Features Document. If you are having trouble accessing this document, please call 0161 914 6099.
Opening a Children’s ISA
The account will open when your application has been accepted and:
- For applications made with a payment: the date we accept your payment; or,
- For applications made with a transfer: the date we request the transfer value from your existing Junior ISA manager or CTF provider.
Right to Cancel
After you take out a Junior ISA, you have the right to cancel it within 14 days of the date you receive your Welcome Pack, known as a ‘cooling off period’. If you cancel within this time then payments you have made will not count towards a Junior ISA subscription for that tax year and you are free to pay money into an alternative ISA for the same tax year.
After 14 days, the account will remain open until your child’s 18th birthday. Please note that any payments made will count as an ISA subscription at this stage and you are then not permitted to pay into another Junior ISA of the same type for that current tax year. However, you don’t have to keep paying during this time. You can increase, decrease, stop payments or transfer your Junior ISA to another Junior ISA Manager at any time.
See the Key Features Document for more information on what happens if you cancel the account
Complaints
If you need to make a complaint, please contact us and we will do what we can to resolve your complaint as quickly as possible.
When we first write to you, we will send you a summary of the procedures that we will follow when resolving your complaint. We have established rules and procedures for the handling of complaints in accordance with regulations laid down by the FCA.
You can find our contact details on the ‘Contact Us’ page of the website.
If you are not satisfied with our response to your complaint, you may be able to refer it to the Financial Ombudsman Service.
Copyright/database right
The Site contains copyright material and other proprietary information. The Children’s ISA Limited owns the copyright and/or database right in the selection, coordination, arrangement and enhancement of such content, as well as in the content itself. You may not modify, publish, transmit, create derivative works, or in any way exploit, any of the content, in whole or in part except as provided in these terms and conditions. You are permitted to print off a copy of these terms and conditions and retain them for reference purposes.
Trademarks
We may use trademarks of third parties with whom we are not connected. Those trademarks are the property of their respective owners and we intend no infringement by using them.
Linking
We provide hypertext links to sites operated by other companies and third parties with whom we are not connected. Using such a link means that you are leaving our Site and we take no responsibility for and give no warranties, guarantees or representations in respect of linked sites.
Our liability to you
We provide software on the site for indicative purposes only and you agree that you use that software entirely at your own risk.
In no event shall we be liable to you for any direct or indirect or consequential loss, loss of profit, revenue or good will arising from your use of or inability to use the Site or information on the Site, data loss, damage or loss caused by any computer viruses or use of the software available on the Site. Subject as provided below, all terms implied by law are excluded.
We do accept liability for death or personal injury caused by our negligence or responsibility for fraudulent misrepresentation that cannot, under English law, be excluded.
Changes
We reserve the right to make changes to the Site and/or to these terms and conditions at any time. Please make sure that you read them each time you log on as your continuing use of the Site means that you accept the terms and conditions, as amended from time to time.
Use of site
We may in our sole discretion terminate your access to or use of this Site for any reason, including without limitation where we believe that you have not acted in accordance with these terms and conditions.
Security
We take great care to ensure the protection of the personal details that you provide to us, view our Privacy Policy. However, it is possible, albeit remotely, that a third party could intercept your details. We therefore cannot guarantee the privacy or confidentiality of any of your details submitted to us electronically.
There is also a remote risk of you downloading a computer virus by downloading information from the Site. We check the Site for viruses, but we recommend that you install and use a virus-checker to scan information arriving on your PC or other devices.
Privacy and data protection
Access to information
The information you provide to us is kept confidential to The Children’s ISA and our ISA Manager Avalon Investment Services Ltd. This means that all our employees and other data processors who may have access to and who are associated with the processing of your details are obliged to respect the confidentiality of the personal data supplied by you.
We may share the information you provide with other partners of The Children’s ISA Ltd.
If you have linked to The Children’s ISA site from that of a third party which introduces you to us or to one of our products, or from a site bearing both that third party’s and The Children’s ISA brands, and you have given your consent on that site, we will share some of your information with that third party. Such information will not include your bank or debit card details.
We have implemented security measures to ensure that the information supplied by you via our web site is safeguarded from:
- unauthorised access
- improper use or disclosure
- unauthorised modification
- unlawful destruction or accidental loss
Our web sites and your privacy
Like many other businesses with an online presence, we collect personal information from you through our web sites. By personal information we mean details such as your name and address. You can rest assured that none of these details are sold as marketing lists.
Data protection
Our basic rule is that any information you give us through our web site will be retained and processed in accordance with the Data Protection Act 1998 (the Act). In case you have not heard of it the Act makes sure that your personal details are collected, kept and used in a lawful and fair way.
Both we and our administrators are fully registered under the Act for all purposes relating to our business. We ensure that at all times your personal data is processed in accordance with the Act. This means, for example, that if you tell us your details are inaccurate, we will ensure they are corrected, and that we will use those details only for the limited purpose of providing information and services to you.
In particular, we recognise your right to ask us to tell you what information we might hold about you.
You can find out more about the Act and your rights by visiting the Information Commissioner’s web site at www.ico.gov.uk
How we collect personal details from you
We are not able to identify who you are just because you visit The Children’s ISA web site. The domain name from which you access the internet, the date and time you access the web site and the internet address of the web site from which you may have linked to one of our sites will not allow us to identify who you are.
In certain parts of our web site, you have the option to contact us by phone or email, or to provide us with certain details. This is how we collect your personal details. We also, along with most other major websites, use cookies. Cookies are software that allow a web site user’s details to be identified and used, mainly to personalise a subsequent visit.
We may use two types of cookies on our website:
- Session cookies, which are temporary cookies that remain in the cookie file of your computer until you close your browser at which point they are deleted. These enable the website you are visiting to keep track of your movement from page to page so you don’t get asked for the same information you’ve already given to the site; and
- Persistent or stored cookies that remain permanently on the cookie file of your computer.
Cookies cannot look into your computer and obtain information about you or your family or read any material kept on your hard drive. Additionally they cannot be used by anyone else who has access to the computer to find out anything about you, other than the fact that someone using the computer has visited a certain website. Passwords are not stored in cookies.
Cookies are used to record details of pages relating to particular products and services that you have visited on our websites. This is to provide us with generic usage statistics to allow us to improve our websites and to provide you with information about products and services that interest you. So, by using this site you are consenting to cookies being stored on your computer.
Please note that although the web browsers of most computers are initially set up to accept cookies, you can alter them to block or erase cookies or to inform you when a website is attempting to add a cookie. However, certain parts of our Site are reliant on the use of cookies to operate correctly and may therefore not work correctly if you set your browser not to accept cookies.
If you would like more information on how to disable and delete cookies, your browser’s help screen or manual should tell you how, or alternatively, please visit www.allaboutcookies.org/manage-cookies
Your children’s details
You can also rest assured that The Children’s ISA will treat the details of your children in exactly the same way as your own.
Why we collect these details
We ask you to provide your personal details to us either to enable us to send you information about our products and services or to respond to a specific enquiry you may have. For example, if you send us an email requesting information about The Children’s ISA we will use your email address and other relevant information you supply to respond to your enquiry. We may also send you information about related products and services supplied by us or any of our partners.
Your information will also be used to process any application submitted by you if you decide to purchase one of our products online, and to administer the resulting product once it has been set up.
We use your, and if relevant your child’s, personal details for these purposes only.
Linking to third party sites
We cannot be responsible for the privacy policies and practices of other sites even if you access them using links from our Site and recommend that you check the policy of each site you visit and contact its owner or proprietor if you have any concerns or questions.
In addition, if you linked to this Site from a third party site, we cannot be responsible for the privacy policies and practices of the owners or operators of that third party site and recommend that you check the policy of that third party site and again contact its owner or operator if you have any concerns or questions.
Access to personal details
You can ask us by sending an email to info@thechildrensisa.com or writing to us at Unit 2, Digital Park, Pacific Way, Salford Quays M50 1DR whether we are keeping any personal details about you. We will comply with all the requirements of the Act and other legislation in relation to disclosure of this information.
In particular, you should be aware that in order to provide you with a copy of the personal data we keep about you, we would require proof of your identity. We also reserve the right to make a small charge based on the charges then currently prescribed by the relevant legislation.
We will never e-mail or call you to ask you to disclose or verify your debit card or bank account details. If you are contacted or receive an unsolicited e-mail which asks you for these details, ignore the email and report the incident to us.
Governing law
Your use of the Site in accordance with these terms and conditions is a legal agreement between us. English law will apply to that agreement, notwithstanding the jurisdiction where you are based. You irrevocably agree that the courts of England will have exclusive jurisdiction to settle any dispute which may arise out of, under, or in connection with these terms and conditions and for those purposes irrevocably submit all disputes to the jurisdiction of the English courts. The place of performance shall be England.
We make no warranty or guarantee that the Site or information available over it complies with laws other than those of England.
If you have any queries relating to the web site or these terms and conditions please email us at info@thechildrensisa.com
