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PRIVACY

We consider your privacy to be very important.

We have notified the Office of the Information Commissioner of our processing obligations as required by the Data Protection Act 1998 and fully intend to comply with the provisions of that Act. For further information please contact the Office of the Information Commissioner (http://snipurl.com/2odve) at http://www.businesslink.gov.uk/ or ourselves.

Information provided by you will be used :

* by us to provide you with information and advice about investment and insurance products, and
* by Netstar Solutions web site maintenance and administration

It is your responsibility to ensure that the information that you provide to us is accurate and up to date and to inform us of any changes that need to be made.

By submitting your information to us you CONSENT to it being processed by us.

Information provided by you will be stored securely, kept strictly confidential, and will not be disclosed to any third party without your explicit consent, with the following exceptions:

* In order to give you the information and advice that you require we may need to disclose your information to providers of investments, mortgages and insurance policies.
* Our compliance advisers, auditors, and our regulatory body may require us to disclose certain client details to them in the normal course of their duties.
* The hosting of our web site, and of associated client data, is carried out by Netstar Solutions, and will not use client information except in order to provide the functionality of the web site.
 
We will disclose to you, on written request, what information we have on our systems related to you, how we use it, and we will give you the opportunity to review and correct any information we may hold.

DISCLAIMERS AND LIMITATION OF LIABILITY

The content of this site, including the information, names, images, pictures, logos and icons, is provided "AS IS" and on an "IS AVAILABLE" basis without any representations or any kind of warranty made (whether express or implied by law) to the extent permitted by law, including the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy.

Under no circumstances will we be liable for any of the following losses or damage (whether such losses where foreseen, foreseeable, known or otherwise): (a) loss of data; (b) loss of revenue or anticipated profits; (c) loss of business; (d) loss of opportunity; (e) loss of goodwill or injury to reputation; (f) losses suffered by third parties; or (g) any indirect, consequential, special or exemplary damages arising from the use of the site regardless of the form of action.

We do not warrant that functions contained in the site's content will be uninterrupted or error free, that defects will be corrected, or that the site or the server that makes it available are free of viruses or bugs.

Fleming McDonald is a trading style of Fleming McDonald Financial Services Ltd which is directly authorised and regulated by the Financial Services Authority. An appointed representative of Financial Services Advice & Support Limited which is authorised and regulated by the Financial Services Authority.

The Financial Services Authority do not regulate Banking, Will Writing, Loans, Credit Cards, some forms of Mortgage, Tax Advice, Offshore Investments, Estate Planning.

Think carefully before securing other debts against your home.  Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
Level and bases of, and reliefs from, taxation are those currently applying but are subject to change and their value depends on the individual circumstances of the investor.  The value of investments can go down as well as up, as can the income derived from them.  Past performance does not guarantee future growth or income and you may not get back the full amount invested.