Welcome to our website
We genuinely hope that you enjoy browsing, but have to point you to a few T's & C's that let our lawyers sleep at night. Ever met a sleep-deprived lawyer? It's not nice.
The term 'YBG Group' or 'us' or 'we' refers to the owner of the website whose registered office is YBG UK Ltd registered in England & Wales No: 08628015 and registered address QBX, 90 New North Road, Huddersfield, England HD1 5NE. The term 'you' refers to the user or viewer of our website
· The content of the pages of this website is for your general information and use only. It is subject to change without notice.
· Neither we nor any third parties 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. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude and disclaim liability for any such inaccuracies or errors to the fullest extent permitted by 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 & Conditions.
· All trade marks reproduced in this website which are not the property of, or licensed to, YBG UK Ltd are acknowledged on the website.
· Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offence.
· From time to time this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).
· Your use of this website and any dispute arising out of such use of the website is subject to the laws of England and Wales.
The information contained in this website is for general information purposes only. The information is provided by YBG Group and while we endeavour to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.
In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.
Through this website you are able to link to other websites which are not under the control of YBG Group. We have no control over the nature, content and availability of those sites. The inclusion of any links does not imply a recommendation or endorse the views expressed within them.
Every effort is made to keep the website up and running smoothly. However, YBG Group takes no responsibility for, and will not be liable for, the website being temporarily unavailable due to technical issues within or beyond our control.
These Terms & Conditions and any resulting contract between you and YBG Group shall be governed by and interpreted in accordance with the laws of the England and Wales, only those courts shall have jurisdiction to resolve any disputes which may arise in relation to them, and you hereby consent to the jurisdiction of those courts and waive any objections to such jurisdiction.
YBG UK Ltd needs to gather and use certain information about individuals. These can include customers, suppliers, business contacts, employees and other people the organisation has a relationship with or may need to contact. This policy describes how this personal data must be collected, handled and stored to meet the company's data protection standards - and to comply with the law.
Why this policy exists
This data protection policy ensures YBG UK Ltd:
Complies with data protection law and follow good practice
Protects the rights of staff, customers and partners
Is open about how it stores and processes individuals' data
Protects itself from the risks of a data breach
Data protection law
The Data Protection Act 1998 describes how organisations - including YBG UK Ltd - must collect, handle and store personal information. These rules apply regardless of whether data is stored electronically, on paper or on other materials. To comply with the law, personal information must be collected and used fairly, stored safely and not disclosed unlawfully.
The Data Protection Act is underpinned by eight important principles. These say that personal data must:
Be processed fairly and lawfully
Be obtained only for specific, lawful purposes
Be adequate, relevant and not excessive
Be accurate and kept up to date
Not be held for any longer than necessary
Processed in accordance with the rights of data subjects
Be protected in appropriate ways
Not be transferred outside the European Economic Area (EEA), unless that country or territory also ensures an adequate level of protection
People, risks and responsibilities
This policy applies to:
The head office of YBG UK Ltd
All partners and associates of YBG UK Ltd
All staff and volunteers of YBG UK Ltd
All contractors, suppliers and other people working on behalf of YBG UK Ltd.
It applies to all data that the company holds relating to identifiable individuals, even if that information technically falls outside of the Data Protection Act 1998. This can include:
Names of individuals
…plus any other information relating to individuals
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 you 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 web page traffic and improve our website in order to tailor it to your needs. We only use this information for internal 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 you find useful and which you do not. 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.
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.
website and its content is copyright of YBGuk Ltd - © YBGuk Ltd 2000 -
2018. All rights reserved.
Any redistribution or reproduction of part or all of the contents in any form is prohibited other than the following:
You may print or download to a local hard disk extracts for your personal and non-commercial use only
You may copy the content to individual third parties for their personal use, but only if you acknowledge the website as the source of the material
You may not, except with our express written permission, distribute or commercially exploit the content. Nor may you transmit it or store it in any other website or other form of electronic retrieval system.
of our website are designed for professional advisers. We define
"professional advisers" as those who have the appropriate expertise
and knowledge e.g. asset managers, distributors and financial
We treat our communications with clients very seriously and would feel more comfortable being able to email you via a business related email account where you and your IT providers can control your settings and security much better than web based providers.
Please note that an "admin@" or other generic account would preclude us from being able to send out some messages.
Clients should refer to their Professional Advisors for advice. Reliance should not be placed on the views and information on the site when taking investment and/or strategic decisions.
Views and Opinions
YBGuk Ltd have expressed its own views and opinions on this website, and these may change.