Welcome to our website. 

If you browse and use this website, you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern Small Change's relationship with you in relation to this website. If you disagree with any part of these terms and conditions, please do not use our website.

The term Small Change or 'us' or 'we' refers to the owner of the website whose registered office is Small Change Investment Company Limited, 204 Herne Hill Road, London SE24 0AE, registered in England and Wales number 10147347. The term 'you' refers to the user or viewer of our website.

We do not provide advice

We are not financial advisers and nothing on this site should be interpreted as financial advice, a recommendation, representation, arrangement or endorsement by us. The information on the site is not intended to be relied upon by you in making or not making decisions. You should always undertake your own research and if necessary, seek the services of a qualified financial adviser.

The use of this website is subject to the following terms of use

The content of the pages of this website is for your general information and use only. It is subject to change without notice.

We use cookies to monitor browsing preferences. For further information regarding the use of cookies please see our Cookie Policy. We do not provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose.

Where we provide links to other websites they are provided for your convenience and further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s) and we do not provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of that information. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted under law.

Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.

This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions. Any trademarks reproduced in this website which are not the property of, or licensed to, the operator are acknowledged on the website.

Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offence.

Your use of this website and any dispute arising out of such use of the website is subject to English Law.

Privacy Policy

This privacy policy sets out how Small Change uses and protects any information that you give when you use this website. By using this website you are signifying your consent to our collecting and using this information. If we decide to change this policy we will tell you of those changes here so that you can always tell how we collect and use your information and when we would disclose it.

Small Change Investment Company Limited is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website,  it will only be used in accordance with this privacy statement.

We comply with the Data Protection Act and  make all reasonable precautions to prevent loss, misuse or alteration of your personal information. We store all of your personal data on our secure server. This is password, file and encrypted protected. However we cannot guarantee the security of any information you disclose to us or any data sent over the internet.

Small Change Investment Company Limited may update this policy from time to time. You should check this page from time to time to ensure that you are happy with any changes. This policy is effective from 1st October 2016.

What we collect

When you sign up we collect your email address. We may collect the following information:

  • Name
  • Contact information including email address
  • Demographic information such as postcode, preferences and interests
  • Other information relevant to customer surveys and/or offers 

Any user information stored is password protected. Your password is stored in an encrypted format on our database.

Your email address and personal details will never be passed to any third parties unless required to do so by law, or unless you request that we do so.

The following is a broad description of the way this organisation/data controller processes personal information. To understand how your own personal information is processed you may need to refer to any personal communications you have received, check any privacy notices the organisation has provided or contact the organisation to ask about your personal circumstances.

Reasons/purposes for processing information:

We process personal information to enable us to promote our services; maintain

our own accounts and records and to support and manage our staff.

We process information relevant to the above reasons/purposes. This may include:

  •  personal details
  •  family details
  •  lifestyle and social circumstances
  •  financial details
  •  employment and education details
  •  goods or services provided

Who the information is processed about:

We process personal information about:

  •  clients
  •  enquirers

Who the information may be shared with

We sometimes need to share the personal information we process with the individual themself and also with other organisations. Where this is necessary we are required to comply with all aspects of the Data Protection Act (DPA). What follows is a description of the types of organisations we may need to share some of the personal information we process with for one or more reasons.

Where necessary or required we share information with:

  •  financial organisations
  •  suppliers and services providers
  •  central government
  •  law enforcement and prosecuting authorities
  •  ombudsmen and regulatory authorities

Security

We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.

How we use cookies

A cookie is a small file which asks permission to be placed on your computer's hard drive. Once you agree, the file is added and the cookie helps analyse web traffic or lets us know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences. We use traffic log cookies to identify which pages are being used. This helps us analyse data about webpage traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system. Overall, cookies help us provide you with a better website by enabling us to monitor which pages are found useful and by whom. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us. You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.

Google analytics

We use Google analytics to help us understand how our website is being used. It generates statistical information about website use by means of ‘cookies’ which are stored on users’ computers. The information generated relating to our website is used to create reports about the use of the website. Google stores this information according to their privacy policy. 

Links to other websites

Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.

Controlling your personal information

We will not sell, distribute, lease or disclose your personal information to third parties unless we have your permission or are required by law to do so. If you have any queries regarding our privacy policy please email us. If you wish to update your personal information (such as contact details or postcode), the site enables you to do this. If you wish to delete your account, the site gives clear instructions how to do this. 

Email

If you email us or give us your email address, we will keep a record of it. We will not give your email address to any third parties.

Telephone calls

We may record telephone conversations to offer you additional security, resolve complaints and improve our service standards. Conversations may also be monitored for staff training purposes

Updated – 1st October 2016