Users of this research service are bound by the terms and conditions below

Service agreement

• The FVC Structured Edge Research service provides analysis on structured products and equity markets. It is only open to financial professionals, access is granted free of charge at our discretion but is subject to our terms and conditions. This service aims to provide indicative information about investments or equity markets, but market conditions may have changed since any report was written or analysis undertaken. We reserve the right to alter or terminate this service at any time.


• FVC intends to introduce further features to this service which will then be made available to all existing and new users


• While this service is operational FVC will grant free usage of this website for researching the structured products market


• No liability whatsoever is accepted for any loss or expense incurred from using any part of this service and no part of the contents of this service constitutes advice nor should it be relied upon for any purpose. We accept absolutely no responsibility for the use of this service by any user who retains all responsibility for the use, interpretation or assumptions about any material contained in this service. This research service is intended as general information only and does not constitute advice, recommendations or any contract with any user.


• FVC does not undertake to provide any service or to cover all and every relevant product in any market. The service is offered as is and we do not undertake to enter into any discussion about scores or products.


• We reserve the right to decline or terminate membership of any user without notice or reason or to otherwise change the terms of this service.


• This service is not available for private investors who should seek the advice of an authorised Independent Financial Adviser or otherwise qualified professional in their jurisdiction.


• In order to ensure a user is kept up to date on the structured product market, emails regarding new products and relevant matters will be sent to all users


• Under GDPR rules and our policies, any user can terminate their account at any time, this will prevent all further communications from us and delete all your user data immediately

Research reports

The information in each report is taken from sources which FVC deems reliable but no guarantee is ever made that the information is complete or accurate and it should not be relied upon as such. Any opinions in any report represent those of FVC at the time of writing but are subject to change. All calculations and assessments shown are indicative only and do not imply an offer or commitment of any kind.

Reports and scores of products may be reproduced or quoted for financial adviser use provided they are sourced as from StructuredEdge (UK) . Material made available for by financial adviser companies for their clients must state that the material is supplied for general information only, does not constitute advice or recommendations and does not take into account the circumstances of the individual investor. The reports or scores of products may not be used for commercial use or supplied as part of an information service or journal without the prior written permission of FVC.

FVC endeavours to cover as many suitable investments (structured products or other specialist investments) as possible. However this service cannot undertake to guarantee to cover all investments or any given investment, however the list of products shown at any point in time does not necessarily reflect all products currently available in the marketplace. Inclusion or omission from this site does not make any statement about the relative merit of any investment.

FVC always welcomes approaches by telephone or email from provider companies for their products to appear on this service. FVC also appreciates any feedback or enquiries about product coverage from financial advisers and other users. We have been able to improve many features of our site thanks to user comments and try to accommodate any points made. Please contact us via email.

A full description of our research methodology can be found here. You should read this before accessing any of our research reports.

Provider information

This webpage facilitates easy access to contact details of providers listed on the website as well as to their products' research reports. The contact details shown are the last supplied to FVC by the product providers. Providing an easy access to the contact details of any product provider and to the research reports (current and archived) does not in any way constitute any affiliation between FVC and any product provider.

Published content

All articles published on StructuredEdge (UK) and www.futurevc.co.uk are for general information only and do not constitute advice or recommendations. These are either authored by FVC or contributed from external authors. All articles represent the opinions of the individual authors only and do not carry any endorsement by FVC or any other third parties. Material contributed by external parties are subject to copyright and conditions of the contributing companies. Any attached or linked documents or links to other website should be visited at the user's own risk. We can accept no responsibility to any user's computer or network as a result of downloading any information.

Privacy Policy

Scope

The FVC Structured Edge Research Service is available free of charge to UK financial professionals and other invited parties. It is our intention that you use the site freely for your maximum benefit. We collect website usage data and may provide this data in aggregate to product providers (whose support makes this site possible). This means that a product provider will be able to see how many users are accessing web pages relating to their products. Under no circumstances will personal or individually identifiable information be made available to them.

All personal data is collected and stored in line with the General Data Protection Regulation (GDPR). Any personal information that you provide to us will only be used for the purpose stated at the time we request it. Your personal data that you have provided will not be sent to third parties and will remain confidential.

This policy and therefore the ways in which your data may be processed can be changed from time to time. Any changes will be notified to you and will appear on this web page.

If you have any queries relating to this policy please contact us.

Introduction

This is the privacy policy of Future Value Consultants Ltd (hereafter FVC), a company registered in England with registered number 3576707, and whose registered office is at Centrum House 36 Station Road Egham Surrey TW20 9LF.

FVC respects your privacy and is committed to ensuring that your personal information is used in accordance with current data protection legislation to be introduced as the General Data Protection Regulation (GDPR) effective 25 May 2018.

This policy is structured in the following manner to aid your understanding of:

• What information do we hold on you?
• How is your data collected?
• How do we use your information?
• Who do we share your information with?
• How long do we retain your information?
• What are your rights in relation to your information?
• Contact point in relation to this policy

For the purposes of Personal Data processing FVC identifies the following Data Subject categories:

• Employee or representative of an Investment Bank, Plan Manager or Distributor of Structured Products (Institutional User)
• Financial Adviser Subscriber to FVC Services, both existing and former (Research Subscriber) - you have requested to receive research information from FVC access one of our free, or paid, research products online
It should be noted that no private investor or individual users are allowed on this service therefore this privacy policy takes no account of such users.

We have therefore split this privacy notice into those two categories for clarity and readability.

You may belong to more than one category.

Institutional User

What information do we hold on you?

We collect your name, role, firm name, email address, telephone number and business address.

When you connect to our services, we log your IP address.

How is your data collected?

If your firm has expressed an interest in having its structured products appear on the FVC service or becomes a supporting partner of the FVC research service our team will collect your name, firm name, business address and other contact details.

How do we use your information?

Processing for the purpose of providing services:
We process your data, relying on the "legitimate interest ground". FVC's legitimate business interest, and purpose of our processing of your data, is researching the product terms and market development in the structured products markets that it serves. This includes the provision of company and business professional contact information such as name, role, business address, phone number and email address. Such company information may be displayed in our research services. In order to provide our contracted services we will process your personal data to enable the creation of credentials to access our research services. Logs of access recorded by IP address are used in the process of potential system abuse and crime detection.

Who do we share your information with?

We process your data using cloud hosting providers in the EU. We will share your company contact details with Research Subscribers. Our Research Subscribers include Financial Advisers and Fund Managers in the UK or other countries inside or outside the EU.

Research Subscriber

What information do we hold on you?

We collect your name, role, firm name, FCA number, email address, telephone number, business address and main country of business.

When you connect to our services we log your IP address and the pages you have viewed.

When using the service user-generated content such as saved selections and reports may be created and stored.

How is your data collected?

When you register for the FVC research service it is with your express interest in researching the structured product market to aid your client recommendations and allocations and to evidence your compliance process and satisfying of your regulatory requirements.

If you have used our services, our systems will collect your IP address for services you have used and pages you have visited. We may also collect details on the device you used to connect, such as operating system, geographic location, browser type and language, access times and referring website addresses.

When using the service user-generated content is created and stored when you interact with specific features of the service.

How do we use your information?

Processing for the purpose of providing services:
We process your data, relying on the "legitimate interest ground". FVC�s legitimate business interest, and purpose of our processing of your data, is to provide you with the research that you registered for and for you to conduct any detailed searches or product selection process.

Report notification emails are an integral part of the structured products research service you sign up for when registering with FVC and cannot be opted out of and that by registering. We will never send you any spam and always aim to ensure that our emails will be genuinely useful to recipients.

Our processing of your personal data is in our legitimate interests and is necessary to provide the FVC service to you and to continually improve it and the content available through it.

Our use of your personal data is limited to that which is reasonably required in order to provide our service to you and to make improvements to that service which benefit both us and you. We do not use your personal data for any reasons not stated in this Privacy Policy and never use it in an excessive manner that is disproportionate to our aims of providing and improving our service or in a way that is contrary to your interests.

In return for the service offered by us we wish to monitor on an anonymous aggregate basis usage volumes and behaviour of our users. We also have a contractual agreement with our Institutional users to provide access by Financial Advisers of the structured products they contribute to the service in the form of information on our Structured Edge websites and through service email communications.

This includes the provision of company and business professional contact information such as name, role, business address, phone number and email address.

In order to provide our contracted services we will process your personal data to enable the creation of credentials to access our product.

Logs of access recorded by IP address are used in the process of potential system abuse and crime detection.

Logs of page views and interaction with our web product are maintained to help us to provide you with a more personalized user experience in relation to the provision of services to you.

User-generated content such as saved selections and reports are created and stored so that you can use specific features of the service and access such content at a later time.

Processing for the purpose of analyzing user data:
When you receive newsletters or promotional email from FVC, we may use personalized unique links or similar technologies to determine whether the email has been opened and which links you click. This enables us to provide you with email communications or other information that are more targeted to your needs. We will rely on our legitimate interests to do this, meaning the provision of electronic direct marketing of our data, services and products, unless legislation requires us to obtain your consent, in which case we will request this from you.

Who do we share your information with?

We process your data using cloud hosting providers in the EU.

We will share your information with partners that provide analytics, user experience and interaction analysis of our web product. This data is pseudonymized, using cookies.

What are your rights in relation to our use of your information?

You have rights under data protection law in relation to our use of your information, including to:
a. request access to your information, which you can do by visiting our contact page stating you are submitting a Subject Access Request
b. update or amend your information if it is inaccurate or incomplete by either updating your details on the "account details" page or visiting our contact page requesting an update
c. object to certain uses of your personal data (which includes direct marketing and processing based on legitimate interests and processing for purposes of scientific or historical research and statistics) on grounds relating to your particular situation by visiting our contact page. In order to comply with this request we may give you notice that we will elect to permanently delete your account to allow us to provide free services on a manageable basis.
d. request the deletion of your information, or restrict its use, in certain circumstances (for example you can request that we erase your information where the information is no longer necessary for the purpose for which it was collected, unless certain exceptions apply) by visiting our contact page;
e. withdraw any consents you have provided in respect of our use of your information either by clicking account delete links in emails, on our website or visiting our contact page;
f. lodge a complaint with the Information Commissioner's Office (https://www.ico.org.uk/global/contact-us/email/) [or other relevant supervisory authority].

We may need to ask you for further information and identification to help us to comply with this request. More information about these rights can be found at https://ico.org.uk/for-the-public/. If you have any questions about these rights, or you would like to exercise any of them, please contact us.

How long do we retain your data?

Contact details of Institutional Users and Research Subscribers are stored for varying lengths depending on the nature and purpose for which it was collected. FVC will review your personal data periodically (usually annually) to ensure it is still necessary to be retained for the purpose for which it was collected.

Page View data meaning statistics as to which firm has accessed your firm profile on our web product and how often is kept for the lifetime of the product so that we can understand changes to usage patterns over time.

System access and event logs, and backups of our products are retained only as long as is necessary to ensure reliable, safe and secure operation of our services and to abide by applicable laws and regulations. We have processes to ensure if a backup restoration is required Subject Rights are maintained.

Do we use cookies?

Yes (cookies are small files that a site or its service provider transfers to your computers hard drive through your web browser (if you allow) that enables the sites or service providers systems to recognize your browser and capture and remember certain information.

We use cookies to help us remember and process your preferences for future visits, keep track of advertisements and compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future. We may contract with third-party service providers to assist us in better understanding our site visitors. These service providers are not permitted to use the information collected on our behalf except to help us conduct and improve our business.

If you prefer, you can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies via your browser settings. Like most websites, if you turn your cookies off, some of our services may not function properly. However, you can still place orders over the telephone or by contacting customer service.

How to contact us

If you have any questions regarding this policy, please contact us.

Changes to this policy

We keep this privacy notice under regular review and we will place any updates on this webpage. We will inform you of any material changes to the privacy notice. This privacy notice was last updated on 22nd May 2018.