C.Hoare & Co.

Wealth Management

admin — Fri, 19 Jul 2013 12:11:52 +0000

Independent by tradition, modern by design

We appreciate that success in life often requires hard work and dedication, and you should expect the same level of commitment from whoever you entrust to manage your wealth.

We combine traditional values with a modern and flexible approach to wealth management. The result is a personalised service with solutions tailored to your individual needs. We offer full wealth planning and specialist investment management services, depending on what you require and what is in your best interest.

We are entirely independent, which enables us to provide advice that is unbiased and unrestricted. We have chosen not to have any of our own funds or products to sell, so that every decision we make is based on a thorough and fair analysis of the whole market. Our size allows us the buying power of an institutional investor combined with the flexibility of a family run firm.

Offshore Investment Management

Charity Services

Slider Speed

admin — Wed, 17 Jul 2013 12:28:21 +0000

Speed Limit:

7 000

Privacy & Cookies

admin — Wed, 17 Jul 2013 07:01:09 +0000

C. Hoare & Co. (“we” or “us”) are committed to observing relevant legal and regulatory requirements and employing appropriate security measures in order to protect your personal information.

Information that we collect

We may collect and use the following information about you:

Information that you may provide to us from time to time including through our Online Banking service or when you register, subscribe to, request or use any of our products or services, or when you submit materials (such as CVs and covering letters) or queries to us
If you contact us by any means, we may keep a record of that correspondence and information that you provide to us in that correspondence
Information that you provide when completing surveys that we may use for research purposes, although you do not have to take part in our surveys
Details of transactions you carry out using our products or services
Details of your visits to our website (in relation to which please see the information under (“Internet Cookies” below)

How we use your information

General uses of information

We use information supplied by you:

To confirm your identity and allow us to carry out checks in the interest of security and to prevent fraud
To administer and maintain your account(s) and provide you with products and/or services
To improve the products and services that we offer
To respond to your queries
To carry out our obligations under any contracts entered into between you and us
To notify you about any changes to our products, services and/or our website
If you apply to work at C. Hoare & Co. to process your application
To comply with legal and regulatory requirements that apply to us
For general statistical analysis

Information used for marketing purposes

We may contact you by post and/or telephone to provide you with details of our other products and services that we think may be of interest to you from time to time.

We will not contact you by electronic means (such as email or SMS) about those products and services, unless you have consented to such contact or where such products and services are similar to those that we have already provided to you.

We may contact you by post, telephone or electronic means with details of events which may be of interest.

You may opt-out from receiving our marketing communications or details of events at any time. If you wish to do this, please contact us on info@hoaresbank.co.uk

Sharing your information

We will not pass your information on to third parties except:

We may provide your information to our service providers and/or other persons that work for us to allow them to assist us with delivering the products or services that you have requested
We may disclose your information to our subsidiaries which includes Messrs Hoare Trustees
To provide products and services to you which you have requested
In the event that we sell or buy any business or assets, we may disclose your personal data to the prospective seller or buyer of such business or assets
If C. Hoare & Co. (or all or part of its assets) are acquired by a third party, in which case personal data about you as one of our customers may be one of the transferred assets
If we are under a duty to disclose or share your information in order to comply with any legal or regulatory obligation
To help prevent or detect fraud or other crime
To protect the rights, property, or safety of C. Hoare & Co., our customers or others
If you have consented to any disclosure to a third party

Our website may, from time to time, contain links to and from third party websites. If you follow a link to any of these websites, please check their privacy policies. We do not accept any responsibility or liability for third party websites.

Where we store and use your information

We may transfer, use and/or store your personal information outside of the European Economic Area and the laws of the destination country may not offer the same standard of protection for personal information as in the UK. Such transfers may be to our third party service providers to use and store your personal information on our behalf. We will however, put in place appropriate security procedures in order to protect your personal information.

Keeping your information

We will keep your information only for as long as necessary depending on the purpose for which it was provided.

Security

Unfortunately, the transmission of information via email is not completely secure. Therefore, if you use e-mail for communicating with us we cannot guarantee that it will remain confidential whilst in transit.

To carry out your instructions, to assist us in improving our services and in the interest of security and fraud prevention, we will record all telephone calls and monitor e-mails that are sent to us.

Internet Cookies

A cookie is a small file that is sent by a website to your computer or browsing device. It is used to store information that the website can use later. The information contained in a cookie is determined by each website. Typical uses of a cookie include checking when you last clicked on a link or last visited the website. For more information visit www.aboutcookies.org.

We make use of cookies in our Online Banking service https://online.hoaresbank.co.uk. These cookies are necessary for the usage of the website. They ensure that your data is secure and the website will not operate if cookies are not accepted. Specifically, these cookies are used to:

Maintain your session when logged into Online Banking
Track your session to ensure no interception of data has occurred

We also use cookies on our website to collect anonymous information about visitor numbers, details of visitor behaviour patterns, where visitors come to the site from and the pages which have been visited. We use this information for analytical purposes to help improve our products and services.

We do not make use of cookies for marketing purposes. By using our website you agree to our use of cookies as explained above.

Correcting your details

We will correct any inaccuracies in your personal information that you point out to us. If you need to contact us in order to update your information please do so using the contact details provided under “Contact Us”.

Requesting your details

You have the right to request a copy of the information that we hold on our computer files and certain other relevant files. Please contact the Data Protection Officer in writing at 37 Fleet Street, London, EC4P 4DQ should you wish to exercise these rights. There is a charge of £10 for this service.

Changes to our privacy policy

Any changes we may make to our privacy policy in the future will be posted on this page and, where appropriate, may be notified to you by post or e-mail.

Contact us

If you have any questions about this policy, please contact the Data Protection Officer in writing at 37 Fleet Street, London, EC4P 4DQ.

Last updated January 2013

FSCS

admin — Wed, 17 Jul 2013 06:59:32 +0000

Your eligible deposits with C. Hoare & Co. are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit protection scheme. Any deposits you hold above the £85,000 limit are not covered.

Further information is available here www.fscs.org.uk

Security Statement

admin — Wed, 17 Jul 2013 06:58:04 +0000

Fraud Awareness

There are many different ways in which fraudsters may attempt to obtain your bank details. Below are a few of the scams currently being employed. We suggest you check this website regularly for any updates on fraud trends.

Should you think that at any time you may have been targeted please call the bank immediately on 020 7353 4522: someone is always available to take your call. Before telephoning please ensure that you can hear the dialling tone and only ever call us on a number you know to be that of the bank.

Keeping your bank account secure

Please be aware that nobody from the bank will ever visit you to collect your bank card, statement, cheque book or online banking token. Anybody suggesting this is not from the bank. Additionally, if you do not receive something you are expecting from the bank e.g. your regular statement, please telephone the bank to let us know.

Email hacking

Fraudsters are hacking personal email accounts and then using them to commit fraud. We advise all customers to use our Online Banking site whenever possible.

Cash machine (ATM) scams

Thieves tamper with cash machines (ATMs) by installing cameras to record the 4 digit PIN and other devices which retain your card. The cash machines often appear normal so as a precaution you should always try to shield the keypad with your free hand. If your card is retained by the machine you should contact us immediately. Fraudsters can also obtain your PIN number, simply by distracting you at the ATM in some way and viewing the number as you input it. Again, as a precaution you should always try to shield the keypad with your free hand.

Cheque frauds

There has been an increase in cheques being intercepted and altered. If you suspect that any of your cheques have gone astray, particularly in the post, or you discover that some cheques are missing from your cheque book, please telephone the bank immediately. We would ask that, where possible, you avoid issuing cheques and use electronic payment methods instead. Please also note a new type of fraud where a criminal pays for goods or services by cheque, deliberately making out the cheque for more than necessary, and then requesting the return of the excess via an electronic payment before you find out that the cheque will be returned unpaid. If you are selling something over the internet or through adverts you may be targeted for this type of fraud.

Cold calling

This is where we have seen the biggest increase in fraud attempts. Fraudsters telephone purporting to be from the bank or from other authorities such as the Police, FCA, Visa and Fraud Squad. Under false pretences they obtain information such as your bank account details, Visa card details, your PIN and Online Banking passcodes. To confirm their authenticity they ask you to call the bank. When you attempt to do so, the fraudster has stayed on the line and you reconnect to the fraudster or an accomplice. You should check that you can hear the dialling tone before you call out and then you will be able to call the bank. If you receive a call such as this please contact your Relationship Manager.

Computer access

Customers are receiving calls from fraudsters claiming their PC has a virus or other problem, and requesting remote control access to fix it. They will use this access to send payment instructions to us and/or steal your data.

Fake websites

Fraudsters are creating fake websites and then using these to send messages to customers seeking personal or financial information. Never provide this information to any company requesting these details from you. We will never email you to ask for these details. If you are in any doubt as to the authenticity of any request please call the bank.

House call

Fraudsters are becoming more confident and have even turned up at customers’ homes, in a fake C. Hoare & Co. uniform, to collect their Visa Cards following a cold call as above. The bank will never ask you to hand over your Visa card, statement, cheque book or Online Banking token. Please call the bank or phone the police immediately should this happen to you.

Online shopping scams

When purchasing goods online you may be taken to a Verified by Visa website and asked for some characters from your memorable password. Only enter those details if you are making a purchase from a reputable merchant and do not provide them in response to an unexpected enquiry for any other reason.

Phishing

Fraudsters telephone purporting to be from the bank or a police official and ask for information such as your bank account details, 16 digit card number, expiry date, three-digit security number, PIN and Online Banking passcodes.

You should never give out this information to anyone who telephones you. Similarly if you are asked for these details via email or any other means then please call us immediately. We will not change any security log ins on our Online Banking service without giving you written notice in advance, so if you are asked for anything that is different to your normal experience please do not continue but telephone the bank.

Please do not write down your PIN, memorable data or other passcodes.

Point of sale scams

Retail staff should never take your bank card out of your sight, even momentarily. Thieves can copy a card in a second by swiping it through a criminal’s card reader. If you think your card may have been copied please call us.

Security token scams (Online Banking)

The bank will never ask for your Online Banking Security Token number for any reason other than when you are prompted to by our Online Banking website. If you are asked for your Security Token number under any other circumstance, or our Online Banking process appears odd or different, then please do not continue but telephone the bank.

If your Security Token is lost or stolen, please call the bank. C. Hoare & Co. will not be responsible for any losses incurred by failing to report a lost Security Token within a reasonable period.

Your Security Token is issued to you as an individual – please do not share your passwords or logon credentials with anyone else.

Winning lottery scam

The bank plays no part in any lottery, nor do we hold our own lotteries. These scams, normally initiated through email but some times by letter or fax, are known as 'advance fee frauds’.

Please do not reply to these, just destroy or delete them from your inbox.

C. Hoare & Co. will not be responsible for any losses incurred through any such scams or frauds.

Legal

admin — Wed, 17 Jul 2013 06:56:23 +0000

These legal notices, which include disclaimers of liability, govern your use of this website. Please read them carefully.

The website is designed to be accessed through its main section pages, which carry information relevant to the subsequent pages. If you access individual pages directly, you may not see legal and regulatory information, which must be read with the appropriate pages.

Eligible Visitors

The content of this website and the products and services featured are addressed only to the UK Market. The website is not intended for use by persons or organisations in jurisdictions that prohibit the promotion or provision of any of the products or services featured. C. Hoare & Co. only provides services or products in jurisdictions where and when they may be lawfully offered.

Suitability of services

The advertisement of any services or products on the website, and any statements made about any particular services or products are indications only of the services offered by C. Hoare & Co. and do not constitute a warranty by C. Hoare & Co. that any such service is suitable for you. Nothing on this website should be construed as a solicitation or offer or recommendation to buy or sell securities or any other investment or product or to provide any investment advice or service.

Company and regulatory information

C. Hoare & Co. is registered in England and Wales, with company registration number 240822. Registered Office: 37 Fleet Street, London EC4P 4DQ.

C. Hoare & Co. is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority with firm reference number 122093. The FCA's address is 25 The North Colonnade, Canary Wharf, London E14 5HS.

The FCA does not regulate credit cards, overdrafts or personal loans. C. Hoare & Co. is a member of the Financial Services Compensation Scheme established under the Financial Services and Markets Act 2000. For further information on the scheme, please follow this link.

Past performance is not necessarily a guide to future performance. The value of any investments, and the income from them, may fall as well as rise and you may not recover the value of your investment.

Changes in rates of exchange may cause the value of the investments that involve exposure to a foreign currency to go up or down. Tax reliefs available under current legislation may change, and their availability and value depend on individual circumstances.

Complaints

If for any reason you have any cause for complaint about the way in which C. Hoare & Co. has performed its duties, you should immediately contact C. Hoare & Co. who will deal with the complaint. A copy of C. Hoare & Co.'s complaint handling procedures is available on request. In any event, you have the right to complain directly to the Financial Ombudsman Service.

Third party websites and products

You may not link any other website to this website without obtaining the prior written consent of C. Hoare & Co.

Third Party Links

This website contains hyperlinks to other websites, which may not be regulated by the financial services regulators and which are hosted and maintained by third parties. C. Hoare & Co. has no control over the security or content of these sites and you use these sites at your own risk.

Email Monitoring/Viruses

C. Hoare & Co. will monitor all incoming and outgoing emails in line with current legislation. Although emails are screened for viruses, C. Hoare & Co. cannot guarantee that any transmissions will be virus free.

Telephone Calls

All telephone calls are recorded as part of our monitoring processes.

Copyright

All images contained within this website are copyrighted/licensed and include restrictions on downloading for anything other than personal use. Republication, retransmission, reproduction or other use of the licensed material is prohibited.

Liability

This website is provided on an "as is" basis. C. Hoare & Co. disclaims all warranties and conditions, including without limitation all express or implied warranties or conditions as to satisfactory quality, availability, fitness for purpose, or as to the accuracy, completeness or currency of the information provided on this website.
Under no circumstances will C. Hoare & Co. accept liability for any indirect or consequential damages including without limitation loss of profit or opportunity, incurred by you arising out of your use, misuse or inability to use this website.

Applicable law

English Law shall govern this website (including these legal notices) and the English Courts shall have exclusive jurisdiction over any disputes arising from this website.
The contents of this website are subject to change without notice.

C. Hoare & Co.

admin — Wed, 17 Jul 2013 06:51:04 +0000