Governing law
This site is governed by the laws of the country of the UK within which
you reside and any dispute or action arising out of this site shall be
determined in accordance with such laws.

If you believe any information on this site is inaccurate or have any
suggestions on how the content of this site could be improved please
contact us at info@ktsfinance.com If you have questions on a particular
product or service please use the contact details shown for that product
or service

Changes
We will update the content of this notice from time to time. Please ensure
that you visit this page regularly and refresh your browser to ensure your
information is up to date.
This page was last updated on 19th January 2006

Customer responsibility
It is your responsibility to ensure that your computer is virus protected.
KTS Financial Services accepts no responsibility for any loss you may
sufferas a result of accessing or downloading information from this site.

Accuracy and Validity of Information
Whilst we take all reasonable steps to ensure that the information
contained within these pages is accurate and up-to-date, it is nonetheless
supplied on an "as is" basis and accordingly we do not accept any liability
for any errors or omissions. If you are in any doubt as to the validity of
information made available within these pages, we recommend you seek
verification by contacting us.

Availability
Whilst we take all reasonable steps to ensure this website is always
accessible we will not be held liable if, for any reason, the website is
unavailable for any period. We may also have to suspend access to the
website for routine or emergency updates and maintenance but we will
endeavour to keep any disruption to a minimum.In addition we cannot
warrant that this website will be free of viruses or defects of any
description and we will not be held responsible for any technical problems
you may suffer as a result of your use of this website.

Third Party Websites
This website may also contain hypertext links to websites operated by
third parties. The responsibility for the operation and content of those
websites shall rest solely with the organisation identified as controlling the
third party website and will be governed by separate terms and conditions.
Links are provided for convenience and inclusion of any link does not imply
endorsement in any way of the site to which it links. We accept no
responsibility or liability for the contents of any linked website.

Privacy Statement
KTS Financial Services is registered with the UK Data Protection Registrar
and endeavours to follow all the guidelines and rules set out in the Data
Protection Act 1998.
We will not disclose your personal details to any third parties unless it is
necessary to do so. On those occasions when we do need to disclose
personal information, such as preparing Key Facts Illustrations for you,
processing your business, or obtaining compliance and regulatory advice,
we will do so on a confidential basis and in accordance with the Data
Protection Act.

Privacy Policy
We have notified our processing of personal data under the Data
Protection Act 1998. We respect your personal privacy and will not
use your personalinformation in any way that we would not accept
ourselves. We have setout the following information about how we
manage the personalinformation that we do collect.

Contact Details
If you have any comments or concerns regarding our privacy policy
please contact us at info@ktsfinance.com

What we use personal data for
We collect personal data to enable us to identify you and to deliver
personalised offers and promotions based upon your demographics and
product purchase profile, and for the purposes of statistical analysis.
The information is used for system administration purposes and to form
personalised profiles and demographics that we may use to improve the
content of our communications to you. In order to collect customer use
profiles, we may use "cookies" to store and track information about your
use of KTS Financial Services.
We will use this personalised information to keep you informed of areas
you may have an interest. If you would prefer not to receive
communications from us, please tell us by email to info@ktsfinance.com

What we won't do with your personal data
We will not sell, rent or disclose your personal details to any third parties,
except:
• in accordance with the terms in About our Services
• when required to do so by law
• in response to a valid legal request by a law enforcement officer or
government agency
• when you have explicitly or implicitly given your consent

Access to personal data
Under the Data Protection Act 1998 we are entitled to charge an
administration fee for answering your request of £10. All requests for
copies of personal information should be made in writing accompanied by
the administration charge: