Keystone Financial Ltd Cookie Policy
Effective Date: 27 January 2025
We use cookies to help improve your experience of our website at https://keystoneltd.co.uk. This cookie policy is part of Keystone Financial Ltd's privacy policy. It covers the use of cookies between your device and our site.
We also provide basic information on third-party services we may use, who may also use cookies as part of their service. This policy does not cover their cookies.
If you don’t wish to accept cookies from us, you should instruct your browser to refuse cookies from https://keystoneltd.co.uk. In such a case, we may be unable to provide you with some of your desired content and services.
What is a cookie?
A cookie is a small piece of data that a website stores on your device when you visit. It typically contains information about the website itself, a unique identifier that allows the site to recognise your web browser when you return, additional data that serves the cookie’s purpose, and the lifespan of the cookie itself.
Cookies are used to enable certain features (e.g. logging in), track site usage (e.g. analytics), store your user settings (e.g. time zone, notification preferences), and to personalise your content (e.g. advertising, language).
Cookies set by the website you are visiting are usually referred to as first-party cookies. They typically only track your activity on that particular site.
Cookies set by other sites and companies (i.e. third parties) are called third-party cookies. They can be used to track you on other websites that use the same third-party service.
How Can You Control Our Website's Use of Cookies?
You have the right to decide whether to accept or reject cookies on our Website. You can manage your cookie preferences in our Cookie Consent Manager. The Cookie Consent Manager allows you to select which categories of cookies you accept or reject. Essential cookies cannot be rejected as they are strictly necessary to provide you with the services on our Website.
You may also be able to set or amend your cookie preferences by managing your web browser settings. As each web browser is different, please consult the instructions provided by your web browser (typically in the "help" section). If you choose to refuse or disable cookies you may still use the Website, though some of the functionality of the Website may not be available to you.
How Often Will We Update This Cookie Policy?
We may update this Cookie Policy from time to time in order to reflect any changes to the cookies and related technologies we use, or for other operational, legal or regulatory reasons.
Each time you use our Website, the current version of the Cookie Policy will apply. When you use our Website, you should check the date of this Cookie Policy (which appears at the top of this document) and review any changes since the last version.
Where Can You Obtain Further Information?
For any questions or concerns regarding our Cookie Policy, you may contact us using the following details:
Harriet MacKenzie-Williams
Manage Cookie Preferences
Keystone Financial Ltd Terms of Service
These Terms of Service govern your use of the website located at https://keystoneltd.co.uk and any related services provided by Keystone Financial Ltd.
By accessing https://keystoneltd.co.uk, you agree to abide by these Terms of Service and to comply with all applicable laws and regulations. If you do not agree with these Terms of Service, you are prohibited from using or accessing this website or using any other services provided by Keystone Financial Ltd.
We, Keystone Financial Ltd, reserve the right to review and amend any of these Terms of Service at our sole discretion. Upon doing so, we will update this page. Any changes to these Terms of Service will take effect immediately from the date of publication.
These Terms of Service were last updated on 10 March 2025.
Limitations of Use
By using this website, you warrant on behalf of yourself, your users, and other parties you represent that you will not:
modify, copy, prepare derivative works of, decompile, or reverse engineer any materials and software contained on this website;
remove any copyright or other proprietary notations from any materials and software on this website;
transfer the materials to another person or "mirror" the materials on any other server;
knowingly or negligently use this website or any of its associated services in a way that abuses or disrupts our networks or any other service Keystone Financial Ltd provides;
use this website or its associated services to transmit or publish any harassing, indecent, obscene, fraudulent, or unlawful material;
use this website or its associated services in violation of any applicable laws or regulations;
use this website in conjunction with sending unauthorised advertising or spam;
harvest, collect, or gather user data without the user's consent; or
use this website or its associated services in such a way that may infringe the privacy, intellectual property rights, or other rights of third parties.
Intellectual Property
The intellectual property in the materials contained in this website are owned by or licensed to Keystone Financial Ltd and are protected by applicable copyright and trademark law. We grant our users permission to download one copy of the materials for personal, non-commercial transitory use.
This constitutes the grant of a licence, not a transfer of title. This licence shall automatically terminate if you violate any of these restrictions or the Terms of Service, and may be terminated by Keystone Financial Ltd at any time.
Liability
Our website and the materials on our website are provided on an 'as is' basis. To the extent permitted by law, Keystone Financial Ltd makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property, or other violation of rights.
In no event shall Keystone Financial Ltd or its suppliers be liable for any consequential loss suffered or incurred by you or any third party arising from the use or inability to use this website or the materials on this website, even if Keystone Financial Ltd or an authorised representative has been notified, orally or in writing, of the possibility of such damage.
In the context of this agreement, "consequential loss" includes any consequential loss, indirect loss, real or anticipated loss of profit, loss of benefit, loss of revenue, loss of business, loss of goodwill, loss of opportunity, loss of savings, loss of reputation, loss of use and/or loss or corruption of data, whether under statute, contract, equity, tort (including negligence), indemnity or otherwise.
Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
Accuracy of Materials
The materials appearing on our website are not comprehensive and are for general information purposes only. Keystone Financial Ltd does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on this website, or otherwise relating to such materials or on any resources linked to this website.
Links
Keystone Financial Ltd has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement, approval or control by Keystone Financial Ltd of the site. Use of any such linked site is at your own risk and we strongly advise you make your own investigations with respect to the suitability of those sites.
Right to Terminate
We may suspend or terminate your right to use our website and terminate these Terms of Service immediately upon written notice to you for any breach of these Terms of Service.
Severance
Any term of these Terms of Service which is wholly or partially void or unenforceable is severed to the extent that it is void or unenforceable. The validity of the remainder of these Terms of Service is not affected.
Governing Law
These Terms of Service are governed by and construed in accordance with the laws of United Kingdom. You irrevocably submit to the exclusive jurisdiction of the courts in that State or location.
Complaints Procedure
We aim to provide our clients and their advisers with excellent client service but at times things can go wrong. If you are unhappy with our service, or think there is a problem, please let us know immediately.
We will resolve complaints as quickly as we can. Some complaints require detailed investigation and/or a dialogue with third parties and take some time to resolve.
We will provide fair redress where we believe it is appropriate. For this purpose, fair means proportionate to the circumstance, consistent with Financial Conduct Authority Rules and Financial Ombudsman Guidelines.
How to make a complaint
If you wish to register a complaint, please contact us:
In writing:
The Compliance Officer
Keystone Financial Ltd
21 Hazel Street
SUTTON IN ASHFIELD
NG17 3FD
By telephone:
01743 829097
How will we handle your complaint?
We regard any expression of dissatisfaction from or on behalf of any client to be a complaint irrespective of whether it is made orally or in writing or whether it is justified or not.
We will provide a copy of this procedure to any client who makes a complaint or to any client who requests it.
On receipt of a complaint we will pass the details to Harriet MacKenzie-Williams, Compliance Officer.
We regard a complaint as: -
a) An expression of dissatisfaction from an eligible complainant.
b) Relating to a regulated activity.
c) A client who has or may suffer financial loss material distress or significant inconvenience.
We have two levels of complaint:
1. A complaint where we can resolve it informally within three days of your confirming its nature. Where we resolve such a complaint informally, we will write to you summarising the complaint, the resolution we agreed with you at the time and remind you of your right to refer the complaint to FOS.
2. Where a complaint cannot be resolved informally, we will enter the formal written dispute service, which we aim to resolve as soon as possible and in any event within eight weeks of notification.
Where we cannot resolve your problem within three working days
We will acknowledge your complaint in writing within 3 business days. If we receive an oral complaint, we will refer in our letter of acknowledgement to the matter complained of and detail our understanding of this for you to confirm the accuracy of this. This letter may contain our offer to settle where appropriate.
If your complaint relates to a product or service that we arranged for you, but the matter is the responsibility of the product or service provider rather than our firm, we will refer the matter to the provider within 3 business days and write to you to confirm this, together with contact details for the provider concerned.
The acknowledgement letter will confirm that -
1. We will investigate the complaint and respond fairly and promptly;
2. Our Compliance Director will review the details surrounding the matter complained about and will examine the file and any other relevant information. If the complaint is in respect of business conducted by our Compliance Director, then another senior employee will investigate.
3. Once the investigation is completed then our Compliance Director will write a “Final Response” letter to you with his appraisal of the matter, our final decision and the nature and terms of any settlement, if applicable. If we decide an offer of redress is appropriate, any compensation we offer will be a fair offer taking all the facts into account.
If you are advised that we have concluded the matter and you are not satisfied with our final response, you may then take the complaint to the Financial Ombudsman Service (FOS).
If we write to you and you do not respond within eight weeks to our “settlement letter” we will treat the matter as closed.
a) If the investigation is not completed fairly and promptly within eight weeks following the initial receipt of the complaint, you will be informed of the reasons for the delay -
1. Setting out why the matter is still unresolved.
2. Giving you a full summary of our investigation to date, explaining why we have not been able to conclude the matter and when we expect to do so.
3. Advising you that you may now take the matter to the Ombudsman (see below) and
4. Enclosing a leaflet explaining how to take the complaint to the Ombudsman.
The Financial Ombudsman Service
If we have not issued our final response letter within 8 weeks of receipt of the complaint or, if you are dissatisfied with our final response, you have the right to refer your complaint to the Financial Ombudsman Service, free of charge but you must do so within six months of the date of our final response letter.
If you do not refer your complaint in time, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances. For example, if the Ombudsman believes that the delay was as a result of exceptional circumstances. The Ombudsman can be contacted at:
Tel: 0800 023 4567 or 0300 123 9 123
www.financial-ombudsman.org.uk
Be assured that we treat all complaints very seriously and we will conduct a full review and conclude all matters to the mutual satisfaction of the parties as quickly as possible maintaining appropriate records at all times.
