TERMS & CONDITIONS
i) “Utmost” (including “we” or “us”) means Utmost International Isle of Man Limited.
ii) ”Utmost Group” means Utmost, its subsidiaries, their ultimate holding company or any subsidiary thereof.
iii) “Utmost Wealth Solutions” is a business name used by a number of Utmost companies.
iv) “Client” means a private customer, a retail customer or a retail client.
v) “Intermediary” means a person or entity which has terms of business with Utmost, directly authorised by or registered with the UK Financial Conduct Authority or other acceptable regulatory authority with appropriate permissions to act as agent to private and/or retail Customers.
vi) “You” or “yourself” or “your” means the user of this Site being either a client or an intermediary as appropriate.
i) We will endeavour to ensure that the Site is accessible for 24 hours a day. However, we will not be liable if, for any reason, the Site is unavailable at any time or for any period.
ii) To the fullest extent permitted by applicable law we will not be liable for any loss or damage arising in contract, tort or otherwise if the Site becomes unavailable or is suspended for any reason.
SECURITY AND AUTHORITY
Our webchat service uses a third party Intercom, Inc ‘Intercom’ as a medium for communicating through our website. If you choose to use webchat, Intercom collects your name, email address and website URLS to enable your use of this service. We will provide a limited amount of your information (such as sign-up date and some personal information like your email address) to Intercom and use Intercom to collect data for analytics purposes. As a data processor acting on our behalf, Intercom analyses your use of our website and tracks our relationship by way of cookies and similar technologies so that we can improve our service to you. The first time you use webchat you will be asked to indicate that you are happy for this information to be collected.
Webchat enables an automated chatbot to interact with Utmost clients and intermediaries through the Utmost website. Based on the text you input the service will provide information that most closely matches your query. We will only provide general information on our Isle of Man based products and services.
You can also use our webchat service to live chat with our Customer Support team in the Isle of Man. Please be aware that we cannot provide you with financial advice, deal with questions about products from other Utmost Group providers or act upon an instruction from you regarding your Policy with us through webchat. We will let you know if we cannot deal with your request through webchat.
We will endeavour to make the webchat service available to you between 9-5 Monday to Friday, UK time, (excluding UK public holidays) but no assurance or warranty is given for the availability or reliability of the webchat service.
In using the webchat feature on this site you agree:
In addition you acknowledge that:
COPYRIGHT AND OTHER INTELLECTUAL PROPERTY RIGHTS
AMENDMENT OF USE
PRIVACY STATEMENT AND COOKIES
YOUR ACCEPTANCE OF THESE TERMS
Isle of Man Data Protection Law and Regulation and other applicable laws set out how your personal data (information that is personally identifiable such as your name, address or email address) can be used in a lawful manner. Data Protection Law and Regulation also gives you rights in relation to your personal data.
Utmost Wealth Solutions is committed to ensuring the security and confidentiality of the information you give us, about yourself and other people, which we use to provide our products and services, including online services. Details about how we use your information, your rights over this information and how you can exercise your rights can be found in the Privacy Notice(s) or Privacy Statement(s) for the group of Utmost companies, which you can access via the following link:
This Privacy Notice explains how Utmost Limited and Utmost Trustee Solutions Limited as part of the Utmost Isle of Man Group (together ‘Utmost’ and the ‘Utmost Isle of Man Group’ or ‘us’ and ‘we’ as the context shall permit) hold, control and process your personal data. If you have any questions you can contact us using the details provided at the end of this notice.
As the Isle of Man is not an EEA Member State, our EEA Appointed Representative in the United Kingdom is an establishment of Utmost Services Limited based at Saddlers House, 5th Floor, 44 Gutter Lane, London EC2V 6BR.
This Privacy Notice explains how Utmost Limited and Utmost Trustee Solutions Limited as part of the Utmost Isle of Man Group (together ‘Utmost’ and the ‘Utmost Isle of Man Group’ or ‘our’, ‘us’ and ‘we’ as the context shall permit) hold, control and process your personal data. If you have any questions you can contact us using the details provided at the end of this notice.
Cookies are small text files stored by your browser. They are created when your browser loads our website. Every time you visit our website, the browser you are using e.g. Chrome, Internet Explorer, Firefox, retrieves and sends the file to our server. They help us track information on our systems and identify categories of visitors by using information such as your IP address, domain, browser type and pages visited.
We use necessary cookies to make our site work and for your security. We’d like to set Google Analytics cookies to help us to improve our website by collecting and reporting information on how you use it. The cookies collect information in a way that does not directly identify anyone.
|.Net cookie for the asp.net session||Assigns an ID to every user to keep track of which user is which.||Session||Necessary|
|.Net anti-forgery cookie
(Secure site only)
|Ensures that when a user is logged in to the secure site, their session cannot be “hi-jacked” by ensuring that only the user who logged in originally can talk to the web server.||Session||Necessary|
(Secure site only)
|When a user logs in this cookie works with .Net cookies to verify a user via a token.||Session||Necessary|
|Google Analytics cookies||Used to collect information about how visitors use the website to help us improve it. The cookies collect information in a way that does not allow visitors to be identified, including the number of visitors, where they came from and the pages visited.||Long-lived – 2 years||Optional|
The following cookies allow us to provide webchat services.
|Intercom-id-[app_id]||Unique anonymous visitor identifier cookie.||9 months||Necessary|
|Intercom-session-[app_id]||Keeps track of sessions via an identifier for each unique browser session. This session cookie is refreshed on each successful logged-in ping, extending it to one week from that moment. The user can access their conversations and have data communicated on logged out pages for 1 week, as long as the session isn’t intentionally terminated with ‘Intercom (‘shutdown’)’; which usually happens on logout.||1 week||Necessary|
You can allow, block or delete the cookies installed on your machine, as well as revoking consent given previously, through the configuration of the options of your internet browser.
If you block cookies, it is possible that certain services which require their use will not be available to you.
Most web browsers allow some control of most cookies through the browser settings. To find out more about cookies, including how to see what cookies have been set, visit www.aboutcookies.org or www.allaboutcookies.org.
Find out how to manage cookies on popular browsers:
To find information relating to other browsers, visit the browser developer’s website.
To opt out of being tracked by Google Analytics visit http://tools.google.com/dlpage/gaoptout.
MODERN SLAVERY ACT STATEMENT 2020
The Utmost Group is committed to working towards the eradication of slavery and human trafficking. We are a global provider of insurance and savings solutions in the UK and Internationally. The Group is owned by its two Founders and a number of funds managed by Oaktree Capital Group LLC. Further details of our ownership structure are available in the Governance section of our Annual Report, available online at www.utmostgroup.co.uk.
This is the Utmost Group’s first combined statement on its approach to modern slavery following the completion of a corporate reorganisation whereby the Company became the holding company of the Utmost Group. Previously, each of the Group’s International and UK businesses issued a statement made in accordance with the Modern Slavery Act 2015 (the “Act”). As a business that places corporate and social responsibility at the heart of its values, the Utmost Group recognises that respecting human rights is the right thing to do and ensures the appropriate actions are taken to manage risks relating to modern slavery.
This statement sets out the steps taken by the Utmost Group or actions underway during the financial year ended 31 December 2020 to date, to assist in the detection and prevention of modern slavery across its business operations and supply chains.
The Utmost Group is a leading provider of insurance and savings solutions. It was formed through the consolidation of life assurance businesses, and provides modern, flexible solutions which assist our customers in securing their financial futures. The Group has over 950 employees predominantly based in the UK, Ireland, the Isle of Man and Guernsey, with a small number of staff working in branch operations in Singapore and Hong Kong, and at a distribution office in the Dubai International Finance Centre.
OUR POLICIES ON SLAVERY AND HUMAN TRAFFICKING:
We are committed to preventing modern slavery or human trafficking in our supply chains or in any part of our business. The Group is committed to conducting business responsibly and upholding the highest standards of governance throughout our operating businesses. During 2021 the Group has implemented a Group Corporate Governance Manual and Policy Suite framework which alongside this statement contains relevant policies, such as our Corporate Social Responsibility Policy, and Outsourcing Management Policy, which sets out the necessary principles to manage and mitigate key risks and safeguard the business and all its stakeholders, including employees, suppliers, and customers.
The Group’s approach to human rights extends beyond our supply chain, to employees and contracted staff and we are committed to paying the national living wage in the UK. The system of internal controls implemented by our operating businesses includes:
We follow the principles of good corporate governance and Enterprise Risk Management and do not tolerate any malpractice, whether committed by senior managers, employees, suppliers, or contractors acting on our behalf.
A new Group Code of Conduct (“Code”) is being developed that will apply to all directors, officers, and employees, requiring that they adhere to the Code. Our employees are encouraged to report any practices or actions where they believe these to be inappropriate or inconsistent with the Code or that may compromise the ethical standards or integrity of the organisation.
The Group Whistleblowing Policy sets out requirements for reporting inappropriate, unethical, or otherwise activities that are inconsistent with the Code. This policy enables an employee to report any improper conduct or unethical behaviour via line management, senior management, the relevant Chief Risk Officer, Company Secretary, Head of HR or Chair of the Audit Committee. This Policy and the associated Guidance Notes are communicated to all employees at least annually and are easily accessed.
Where employees feel that they cannot raise a concern with these individuals, they may make contact on a confidential basis with the Chairman of the local Audit Committee, after which their report will be investigated and considered by the Non-Executive Directors of the relevant subsidiary company. Employees may also raise their concerns with the Chairman of the Audit, Risk and Compliance Committee of Utmost Group Limited or if they deem it necessary, employees may wish to contact the applicable external regulator. At all times during any investigation the Whistleblower’s identity will be kept confidential. All employees are reminded annually of their right to raise concerns under the Whistleblowing Policy, and to consult with associated guidance.
It is important to us that our commitment to human rights is shared by our suppliers. The Utmost Group accepts a range of goods and services from suppliers located across the globe, although the majority of suppliers have their operations locally (in the Isle of Man, Ireland or Guernsey) or the United Kingdom. Goods and services utilised by the Utmost Group and its subsidiaries primarily consist of investment services, catering, cleaning, office furniture and stationery, electrical equipment, IT software, property maintenance and utilities.
As the Utmost Group businesses operate in the financial services sector, the risk of being exposed to modern slavery is considered lower than in other industries. However, we recognise that financial services firms cannot be complacent as to the risks that exist in their supply chains and a risk-based approach is taken to identify any high risk suppliers and prioritise them for review.
Where we enter into or renew a contract with a supplier, we will negotiate terms to include standard contractual obligations seeking to ensure that the supplier confirms they have adequate training and policies in place to comply with the act and avoid slavery.
OUR ONGOING APPROACH AND NEXT STEPS
There is a commitment throughout the Group to ensure that we respect human rights and continue to act as a responsible business. To achieve this, we have developed a Group Corporate Social Responsibility Policy and will ensure all employees of the Utmost Group will be provided with ongoing training to ensure that there is the appropriate level of awareness and consistency across the entire business to detect and ultimately prevent modern slavery from occurring anywhere in our supply chain.
This statement has been approved by the Board of Utmost Group Limited and signed on its behalf by the Utmost Group CFO.
Ian Maidens 12 May 2020
Utmost Wealth Solutions is the business name used by a number of Utmost companies. Utmost Online is a service provided by Utmost International Isle of Man Limited.
The following Isle of Man registered companies are, where regulated, licensed by the Isle of Man Financial Services Authority. Regulated: Utmost International Isle of Man Limited (No 024916C), Utmost Administration Limited (No 109218C), Utmost International Trustee Solutions Limited (No 095926C) and Utmost Trustee Solutions Limited (No 106739C). Non-Isle of Man regulated: Utmost Services Limited (No 059248C).
Each has its registered office at: King Edward Bay House, King Edward Road, Onchan, Isle of Man, IM99 1NU, British Isles.
Telephone: +44(0)1624 643345
Telephone calls may be recorded.
Utmost Services Limited has a UK branch office at: Saddlers House, 5th Floor, 44 Gutter Lane, London, EC2V 6BR. Registered branch number BR018821.
Utmost Wealth Solutions is a business name used by a number of Utmost companies. Utmost Trustee Solutions is the business name used by Utmost International Trustee Solutions Limited and Utmost Trustee Solutions Limited.
The following Isle of Man registered companies are, where regulated, licensed by the Isle of Man Financial Services Authority. Regulated: Utmost International Isle of Man Limited (No 024916C), Utmost Administration Limited (No 109218C), Utmost International Trustee Solutions Limited (No 095926C) and Utmost Trustee Solutions Limited (No 106739C). Non-Isle of Man regulated: Utmost Services Limited (No 059248C). Each has its registered office at: King Edward Bay House, King Edward Road, Onchan, Isle of Man, IM99 1NU, British Isles.
Utmost PanEurope dac (No 311420) is regulated by the Central Bank of Ireland. Its registered office is Navan Business Park, Athlumney, Navan, Co. Meath C15 CCW8, Ireland.