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INSERT INTO `about_contents` VALUES (1,'WESTERNCLEAR','A LEADER IN ISRAs INNOVATING PROGRAMS',NULL,'<h2>OUR APPROACH</h2><ul class=\"bullet__wrapp\" style=\"padding-left: 15px; font-size: 14px;\"><li>Westerclear offers a uniquely consultative approach to purchasing and selling physical gold and clearance, regardless of how much you are looking to buy or invest.&nbsp;<br></li><li>We pride ourselves on our simple and tailored strategy, working with beginners and experienced investors alike, to find the precious metal investment that will benefit them most.<br></li><li>Whether you are looking to convert personal savings or part of your pension into physical gold, we can provide a tax-efficient solution.&nbsp;</li></ul><div><br></div><p></p><h2>INVESTMENT SPECIALISTS</h2><p style=\"\">We are investment experts with an explicit focus on protection and security. We understand that every customer has different circumstances and objectives, and it’s these differences that influence our diverse range of products. Our asset-backed investments are tailored to the investor and designed to minimize tax exposure.</p><p style=\"\"><br></p><p style=\"\"><br></p><ul class=\"bullet__wrapp\" style=\"padding-left: 15px;\">\r\n                        </ul>','Trusted Leadership','<h2>WE HAVE DIFFERENT TYPES OF ASSET-BACKED INVESTMENTS:</h2><div><br></div><h2><ul class=\"bullet__wrapp\" style=\"padding-left: 15px;\"><li>Shares</li><li>Friendly Societies</li><li>Unit Trusts</li><li>Individual Savings Accounts (ISAs)</li><li>Investment Trusts</li><li>Open-Ended Investment Companies (OEICs)<br></li><li>Investment Bonds<br></li></ul><div></div></h2><h2><span style=\"font-size: 2rem;\">UNDERSTAND INVESTMENTS THAT WE SERVE</span><span style=\"font-size: 2rem;\">:</span><br></h2><p><b>SHARES</b><span style=\"font-weight: bolder;\">:</span>&nbsp;&nbsp;</p><p>Shares are issued by companies that wish to raise money. The best-known shares are bought and sold daily on international stock markets. There are several different types of shares, but the most common ones are simply called ‘ordinary shares’.&nbsp;&nbsp;<span style=\"font-size: 0.875rem; font-weight: initial;\"><a href=\"https://westernclear.com/what-we-do\" title=\"\" target=\"\">LEARN MORE</a></span></p><p><b>UNIT TRUSTS:</b></p><p>Unit trusts are pooled investment vehicles. This means relatively small sums from clients are pooled to form a large fund, which is able to invest in a broad spread of stocks, shares, and other assets.&nbsp;&nbsp;<span style=\"font-size: 0.875rem; font-weight: initial;\"><a href=\"https://westernclear.com/what-we-do\" title=\"\" target=\"\">LEARN MORE</a></span><span style=\"font-size: 0.875rem; font-weight: initial;\">&nbsp;&nbsp;</span></p><p><b>OUR INDIVIDUAL SAVINGS ACCOUNT (ISA) &amp; INDIVIDUAL SAVING RETIREMENT ACCOUNT (ISRA):</b></p><p><b>ISA:&nbsp;</b></p><p>An ISA is a tax-free account that lets you hold cash and/or investments without having to pay tax on any interest, investment income or gains you make on your money.&nbsp; &nbsp;<span style=\"font-size: 0.875rem; font-weight: initial;\"><a href=\"https://westernclear.com/what-we-do\" title=\"\" target=\"\">LEARN MORE</a></span></p><p><b>ISRA™ :</b></p><p>As an initiative to encourage the buying and selling of green technologies, the government provides an Investment Tax Allowance (ITA) for purchasing green technology equipment / assets and an Income Tax Exemption (ITE) for providing green technology services. Westernclear has therefore created a new opportunity for consumer retirement called ISRA™.&nbsp;&nbsp;<span style=\"font-size: 0.875rem; font-weight: initial;\"><a href=\"https://westernclear.com/what-we-do\" title=\"\" target=\"\">LEARN MORE</a></span></p><span style=\"font-size: 0.875rem; font-weight: initial;\">&nbsp;</span><p></p><p><b>INVESTMENT TRUSTS:</b></p><p>Although branded ‘trusts’, investment trusts are not subject to a trust deed like unit trusts are. However, they are a pooled investment. Investment trusts are limited companies, and their company directors are usually fund managers or investment experts.&nbsp;&nbsp;<span style=\"font-size: 0.875rem; font-weight: initial;\"><a href=\"https://westernclear.com/what-we-do\" title=\"\" target=\"\">LEARN MORE</a></span><span style=\"font-size: 0.875rem; font-weight: initial;\">&nbsp;&nbsp;</span></p><p><b>OPEN-ENDED INVESTMENT COMPANIES (OEICS):</b></p><p>An OEIC could be considered a hybrid between a unit trust and an investment trust company. They were introduced in the UK in 1997 because they fall in line with their European counterparts, making the marketing of UK collective investments much easier and more understandable, both here and in Europe.&nbsp;&nbsp;<span style=\"font-size: 0.875rem; font-weight: initial;\"><a href=\"https://westernclear.com/what-we-do\" title=\"\" target=\"\">LEARN MORE</a></span><span style=\"font-size: 0.875rem; font-weight: initial;\">&nbsp;&nbsp;</span></p><p><b>INVESTMENT BONDS:</b><br></p><p>Investment bonds are single premium life assurance policies. There is a high allocation to invest and a relatively low life cover. They are pooled investments whereby relatively small amounts of individual investors’ money will be invested to create large pooled funds, maintained by a life assurance company.&nbsp; Investments can be spread across a broad range of assets including property, shares, government stocks and companies’ loan stocks, thereby reducing the risk for investors.&nbsp;&nbsp;<span style=\"font-size: 0.875rem; font-weight: initial;\"><a href=\"https://westernclear.com/what-we-do\" title=\"\" target=\"\">LEARN MORE</a></span><span style=\"font-size: 0.875rem; font-weight: initial;\">&nbsp;&nbsp;</span></p>',NULL,'2022-07-05 07:39:05');
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INSERT INTO `education_questions` VALUES (3,'SECURE ACT','<div><span style=\"color: rgb(17, 17, 17); font-family: SourceSansPro, sans-serif; font-size: 18px; letter-spacing: 0.05px; font-weight: initial;\">Secure Act makes it easier for small businesses and mining owners to set up 401(k)s by increasing the cap under which they can automatically enroll workers in “safe harbor” retirement plans from 10% of wages to 15%.</span><br></div><ul style=\"margin-bottom: 0px; padding-left: 1.5rem; list-style-position: initial; list-style-image: initial; color: rgb(17, 17, 17); font-family: SourceSansPro, sans-serif; letter-spacing: 0.05px;\"><li style=\"padding-bottom: 0.375rem;\"><span style=\"font-size: medium; letter-spacing: 0.05px; font-weight: initial;\">The SECURE Act became law on Dec. 20, 2019, and makes it easier for small business owners to set up “safe harbor” retirement plans that are less expensive and easier to administer.</span><br></li><li style=\"padding-bottom: 0.375rem;\"><font size=\"3\">Many part-time workers are eligible to participate in an employer retirement plan.</font></li><li style=\"padding-bottom: 0.375rem;\"><font size=\"3\">The SECURE Act pushed back the age at which retirement plan participants need to take required minimum distributions (RMDs), from 70½ to 72, and allows traditional IRA owners to keep making contributions indefinitely.</font></li></ul>',1,'2022-06-06 01:29:23','2022-06-16 08:45:33'),(4,'BEFORE YOU INVEST','<span style=\"color: rgb(32, 36, 43); font-family: neuzeit_grotesk, Helvetica, Arial, sans-serif; background-color: rgb(254, 254, 254);\"><font size=\"5\">Before you make your investment decision you should read the relevant essential documents to help you decide whether an investment is right for you.</font></span>',3,'2022-06-06 01:32:59','2022-06-16 11:34:13'),(5,'Questions to Consider before choosing an investment','<ul class=\"bullet__wrapp\" style=\"padding: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; list-style: none; color: rgb(15, 15, 15); font-family: Nunito, sans-serif; font-size: 16px;\"><li style=\"font-size: 22px; color: rgb(0, 0, 0); line-height: 33px; position: relative; padding-left: 26px; padding-bottom: 15px; display: flex; align-items: flex-start;\">Have you checked the investment history of the individual(s)/entity offering this investment?</li><li style=\"font-size: 22px; color: rgb(0, 0, 0); line-height: 33px; position: relative; padding-left: 26px; padding-bottom: 15px; display: flex; align-items: flex-start;\">Have you checked with the Secretary of State to ensure that this entity/company is in good standing?</li><li style=\"font-size: 22px; color: rgb(0, 0, 0); line-height: 33px; position: relative; padding-left: 26px; padding-bottom: 15px; display: flex; align-items: flex-start;\">Have you consulted with an independent financial professional to ensure that this investment is suitable for you and meets your investment objectives?</li><li style=\"font-size: 22px; color: rgb(0, 0, 0); line-height: 33px; position: relative; padding-left: 26px; padding-bottom: 15px; display: flex; align-items: flex-start;\">Have you reviewed the consumer investor awareness resources provided above?</li></ul><p style=\"margin: 30px 0px 0px; color: rgb(0, 0, 0); font-family: Nunito, sans-serif; padding: 0px; font-size: 23px; line-height: 36px;\">Of course, the resources and issues identified above are not intended to be all-inclusive, but they should give you a head-start on reducing the risk of the investment decisions that you make for yourself and your self-directed retirement account.</p>',3,'2022-06-06 01:37:26','2022-06-06 01:37:26');
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INSERT INTO `education_texts` VALUES (1,'<p>**THIS NOTICE IS NOT INTENDED TO BE NOR SHOULD IT BE CONSTRUED AS INVESTMENT ADVICE, NOR SHOULD THIS NOTICE OR THE RESOURCES CITED ABOVE BE CONSIDERED THE ULTIMATE AUTHORITY WITH RESPECT TO YOUR INVESTMENT DECISIONS. IF YOU FEEL THAT YOU NEED SPECIFIC INVESTMENT ADVICE, WE ENCOURAGE YOU TO CONSULT WITH AN INDEPENDENT FINANCIAL PROFESSIONAL WHEN CONSIDERING AN INVESTMENT TO ENSURE THAT YOUR INVESTMENT IS SUITABLE FOR YOU AND FITS WITHIN YOUR INVESTMENT OBJECTIVES.</p>\r\n                    <p style=\"text-transform:uppercase;\"><a href=\"#\">Visit RITA – Retirement Industry Trust Association for more information.</a></p>',NULL,'2022-06-06 01:05:31');
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INSERT INTO `faqs` VALUES (1,'WHEN ARE STATEMENTS ISSUED?','Beginning in 2022, quarterly statements will be issued to all our IRA and ESA clients.&nbsp;<br>',1,'2022-06-03 05:30:13','2022-06-03 05:30:13'),(2,'WHY SHOULD I MAKE A CONTRIBUTION IF IT IS NOT TAX DEDUCTIBLE?','Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry\'s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.<br>',3,'2022-06-03 05:36:13','2022-06-03 05:55:18'),(4,'HOW DO I INVEST ?','Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry\'s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.<br>',3,'2022-06-03 06:21:32','2022-06-03 06:21:32'),(5,'Who is a disqualified person?','Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry\'s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.<br>',4,'2022-06-03 08:43:51','2022-06-03 08:43:51');
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INSERT INTO `form_texts` VALUES (1,'FORMS','THESE ALTERNATIVE INVESTMENTS PROGRAMS  KEEP YOU IN CONTROL OF STEERING YOUR FUTURE RETIREMENT','public/formContent/AZFbZjYW28WEjTbZriKkMrHmtsHlutz2QOt95OHj.jpg','<font color=\"#000000\" face=\"Nunito, sans-serif\"><span style=\"font-size: 23px; text-transform: uppercase;\"><i>WESTERNCLEAR WILL NO LONGER ACCEPT OLD VERSIONS OF FORM FILLING DUE TO UPDATES OF FASTER PROCESSING AND PROVIDING SATISFACTORY SERVICE TO OUR CLIENTS. PLEASE USE THE E-SIGN OR PDFS BELOW TO ENSURE YOU ARE COMPLETING THE APPROPRIATE FORM.</i></span></font><br>',NULL,'2022-07-13 12:33:26');
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INSERT INTO `other_investment_sections` VALUES (1,'public/homeImages/BEPpZp00bdQN1FxHICKO7b9trI1YE7fmXc3r3oyt.png','<div class=\"col-xl-6 col-lg-6 col-md-6 mr__bottom mr__top\">\r\n                     <div class=\"other__investment__right\">\r\n                        <h2>OTHER ELIGIBLE INVESTMENTS AT WESTERN CLEAR                        </h2>\r\n                        <ul class=\"bullet__wrapp\">\r\n                           <li>Shares</li>\r\n                           <li>Friendly Societies</li>\r\n                           <li>Unit Trusts</li>\r\n                           <li>Individual Savings Accounts (ISAs)</li>\r\n                           <li>Investment Trusts</li>\r\n                           <li>Money Market Funds</li>\r\n                           <li>Bank Certificates of Deposit</li>\r\n                           <li>Open-Ended Investment Companies (OEICs)</li>\r\n                           <li>Investment Bonds</li>\r\n                        </ul>\r\n                     </div>\r\n                  </div>\r\n               \r\n               <div class=\"row\">\r\n                  <div class=\"col-xl-12 col-lg-12 col-md-12 mr__bottom mr__top\">\r\n                     <div class=\"investment__bottom__wrapp\">\r\n                        <p class=\"invest__para__text\">If you’re interested in one of our ISRAs ( CBIRA™, C0IRA™) or IRA alternative investments, or if you are unsure whether an alternative investment can be held at WesternClear, feel free to contact us<a href=\"https://westernclear.com/contact\" title=\"\" target=\"\"> here.</a> We are happy to assist you.</p>\r\n                        <div class=\"learn__more__btn__wrapp\">\r\n                           <a href=\"https://westernclear.com/register\" class=\"learn_btn\" title=\"\" target=\"\">OPEN AN ISRA™ ACCOUNT</a></div>\r\n                     </div>\r\n                  </div>\r\n               </div>',NULL,'2022-07-14 07:47:08');
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INSERT INTO `pages` VALUES (1,'Privacy','privacy','Privacy Policy','public/pages/irGTWSaNVN4egdQFLATg0GZ2iSyoAIOzfajVaz9E.jpg','<div class=\"common__wrapp\">\r\n        <div class=\"container\">\r\n            <div class=\"row\">\r\n                 <div class=\"row\">\r\n                    <div class=\"col-xl-12 col-lg-12 col-md-12 mr__bottom mr__top\">\r\n                        <div><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size: 16pt; color: rgb(32, 36, 43); background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;\">Westernclear is committed to maintaining your personal data in\r\naccordance with the requirements of our legal and regulatory data protection\r\nobligations and will take all reasonable steps to ensure that your personal\r\ndata is kept secure.</span></p><h2 style=\"margin-top:0cm\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:minor-latin;\r\nmso-hansi-theme-font:minor-latin;mso-bidi-theme-font:minor-latin;color:#016FAD;\r\nborder:none windowtext 1.0pt;mso-border-alt:none windowtext 0cm;padding:0cm;\r\nbackground:#FEFEFE\">Why we collect your data</span></h2><p style=\"background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;\r\nmso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:\r\nminor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:minor-latin;\r\ncolor:#20242B\">We are committed to protecting your personal data. This\r\nstatement explains how we do that. It sets out what we do with your personal\r\ndata, how we protect it, and explains your pertinent privacy rights. We collect\r\nand use your personal data to enable us to conduct our business with you and to\r\ncomply with the law. The basis we rely upon for lawfully collecting and using\r\nyour personal data will depend on the purposes for which we are processing your\r\npersonal data. These are detailed below:<o:p></o:p></span></p><p style=\"background:#FEFEFE\"><strong><span lang=\"EN-GB\" style=\"font-size:16.0pt;\r\nmso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:\r\nminor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:minor-latin;\r\ncolor:#20242B\">(a) Performing our contract with you</span></strong><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;\r\nmso-ascii-theme-font:minor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:\r\nminor-latin;color:#20242B\"><o:p></o:p></span></p><p style=\"background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;\r\nmso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:\r\nminor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:minor-latin;\r\ncolor:#20242B\">When we do business with you, we do so under the Client Terms.\r\nFor us to meet our obligations to you under the Client Terms we must process\r\nyour personal data. We will only process your personal data in line with the\r\nClient Terms. When you provide personal data to us, we will use that personal\r\ndata so we can:<o:p></o:p></span></p><ul type=\"disc\">\r\n <li class=\"MsoNormal\" style=\"color:#20242B;mso-margin-top-alt:auto;mso-margin-bottom-alt:\r\n     auto;mso-list:l1 level1 lfo1;tab-stops:list 36.0pt;background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;mso-bidi-font-family:\r\n     Calibri;mso-bidi-theme-font:minor-latin\">provide our services to you in\r\n     the provision, administration and servicing of your account<o:p></o:p></span></li>\r\n <li class=\"MsoNormal\" style=\"color:#20242B;mso-margin-top-alt:auto;mso-margin-bottom-alt:\r\n     auto;mso-list:l1 level1 lfo1;tab-stops:list 36.0pt;background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;mso-bidi-font-family:\r\n     Calibri;mso-bidi-theme-font:minor-latin\">enable the conduct of security\r\n     operations, such as using your IP address to help identify you when you\r\n     log on to your account online<o:p></o:p></span></li>\r\n <li class=\"MsoNormal\" style=\"color:#20242B;mso-margin-top-alt:auto;mso-margin-bottom-alt:\r\n     auto;mso-list:l1 level1 lfo1;tab-stops:list 36.0pt;background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;mso-bidi-font-family:\r\n     Calibri;mso-bidi-theme-font:minor-latin\">identifying you when you contact\r\n     us<o:p></o:p></span></li>\r\n <li class=\"MsoNormal\" style=\"color:#20242B;mso-margin-top-alt:auto;mso-margin-bottom-alt:\r\n     auto;mso-list:l1 level1 lfo1;tab-stops:list 36.0pt;background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;mso-bidi-font-family:\r\n     Calibri;mso-bidi-theme-font:minor-latin\">send you information about our\r\n     products and services where appropriate<o:p></o:p></span></li>\r\n</ul><p style=\"background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;\r\nmso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:\r\nminor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:minor-latin;\r\ncolor:#20242B\">We will only process that data for the purposes for which it was\r\ncollected or to meet our legal obligations.<o:p></o:p></span></p><p style=\"background:#FEFEFE\"><strong><span lang=\"EN-GB\" style=\"font-size:16.0pt;\r\nmso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:\r\nminor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:minor-latin;\r\ncolor:#20242B\">(b) Our legitimate interests</span></strong><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;\r\nmso-ascii-theme-font:minor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:\r\nminor-latin;color:#20242B\"><o:p></o:p></span></p><p style=\"background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;\r\nmso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:\r\nminor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:minor-latin;\r\ncolor:#20242B\">We process your information for the following reasons, which we\r\ndefine as our legitimate interests:<o:p></o:p></span></p><ul type=\"disc\">\r\n <li class=\"MsoNormal\" style=\"color:#20242B;mso-margin-top-alt:auto;mso-margin-bottom-alt:\r\n     auto;mso-list:l3 level1 lfo2;tab-stops:list 36.0pt;background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;mso-bidi-font-family:\r\n     Calibri;mso-bidi-theme-font:minor-latin\">developing new services and\r\n     products<o:p></o:p></span></li>\r\n <li class=\"MsoNormal\" style=\"color:#20242B;mso-margin-top-alt:auto;mso-margin-bottom-alt:\r\n     auto;mso-list:l3 level1 lfo2;tab-stops:list 36.0pt;background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;mso-bidi-font-family:\r\n     Calibri;mso-bidi-theme-font:minor-latin\">internal research and analysis<o:p></o:p></span></li>\r\n <li class=\"MsoNormal\" style=\"color:#20242B;mso-margin-top-alt:auto;mso-margin-bottom-alt:\r\n     auto;mso-list:l3 level1 lfo2;tab-stops:list 36.0pt;background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;mso-bidi-font-family:\r\n     Calibri;mso-bidi-theme-font:minor-latin\">to help us to run our business;\r\n     this includes financial management, risk management, planning, corporate\r\n     governance, audit and research<o:p></o:p></span></li>\r\n <li class=\"MsoNormal\" style=\"color:#20242B;mso-margin-top-alt:auto;mso-margin-bottom-alt:\r\n     auto;mso-list:l3 level1 lfo2;tab-stops:list 36.0pt;background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;mso-bidi-font-family:\r\n     Calibri;mso-bidi-theme-font:minor-latin\">marketing<o:p></o:p></span></li>\r\n <li class=\"MsoNormal\" style=\"color:#20242B;mso-margin-top-alt:auto;mso-margin-bottom-alt:\r\n     auto;mso-list:l3 level1 lfo2;tab-stops:list 36.0pt;background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;mso-bidi-font-family:\r\n     Calibri;mso-bidi-theme-font:minor-latin\">market research<o:p></o:p></span></li>\r\n</ul><p style=\"background:#FEFEFE\"><strong><span lang=\"EN-GB\" style=\"font-size:16.0pt;\r\nmso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:\r\nminor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:minor-latin;\r\ncolor:#20242B\">(c) Our legal obligations</span></strong><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;\r\nmso-ascii-theme-font:minor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:\r\nminor-latin;color:#20242B\"><o:p></o:p></span></p><p style=\"background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;\r\nmso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:\r\nminor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:minor-latin;\r\ncolor:#20242B\">In some circumstances, we have a legal obligation to process and\r\nshare your personal data. We must provide a wide range of data to regulators or\r\nother entities in order to prevent or detect crime. Sometimes this involves\r\npersonal data. We will never transfer more personal data than is necessary to\r\ndischarge our legal obligations.<o:p></o:p></span></p><p style=\"background:#FEFEFE\"><strong><span lang=\"EN-GB\" style=\"font-size:16.0pt;\r\nmso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:\r\nminor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:minor-latin;\r\ncolor:#20242B\">(d) Your consent</span></strong><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;\r\nmso-ascii-theme-font:minor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:\r\nminor-latin;color:#20242B\"><o:p></o:p></span></p><p style=\"margin:0cm;margin-bottom:.0001pt;background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;\r\nmso-ascii-theme-font:minor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:\r\nminor-latin;color:#20242B\">We will ask you for your preferences in terms of how\r\nyou would like us to communicate with you and what information you would like\r\nto receive from us. You can always adjust your communications preferences, and\r\ncan opt not to receive information from us unless we are obliged to provide it.<o:p></o:p></span></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-family:&quot;Helvetica&quot;,&quot;sans-serif&quot;;\r\nmso-bidi-font-family:&quot;Times New Roman&quot;;mso-bidi-theme-font:minor-bidi;\r\nborder:none windowtext 1.0pt;mso-border-alt:none windowtext 0cm;padding:0cm;\r\nbackground:#FEFEFE\"><o:p>&nbsp;</o:p></span></p><h2 style=\"margin-top:0cm\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:minor-latin;\r\nmso-hansi-theme-font:minor-latin;mso-bidi-theme-font:minor-latin;color:#016FAD;\r\nborder:none windowtext 1.0pt;mso-border-alt:none windowtext 0cm;padding:0cm;\r\nbackground:#FEFEFE\">What we collect and how</span></h2><p style=\"background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;\r\nmso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:\r\nminor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:minor-latin;\r\ncolor:#20242B\">The personal data you provide to us will include combinations of\r\nany of the following: Your name, email address, telephone number, address,\r\nidentification numbers such as National Insurance number, banking account\r\ndetails, date of birth, voice biometrics &amp; voice recordings, location\r\ninformation, employment information, gender, IP address, language, and marital\r\nstatus, dependants and beneficiaries and shareholders.<o:p></o:p></span></p><p style=\"margin:0cm;margin-bottom:.0001pt;background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;\r\nmso-ascii-theme-font:minor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:\r\nminor-latin;color:#20242B\">This information is typically provided to us by your\r\nadviser if you have one or by you through the course of your relationship with\r\nus. We hold your personal information relating to your account on paper and on\r\ncomputer systems.<o:p></o:p></span></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-bidi-font-family:Calibri;mso-bidi-theme-font:minor-latin;border:\r\nnone windowtext 1.0pt;mso-border-alt:none windowtext 0cm;padding:0cm;\r\nbackground:#FEFEFE\"><o:p>&nbsp;</o:p></span></p><h2 style=\"margin-top:0cm\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:minor-latin;\r\nmso-hansi-theme-font:minor-latin;mso-bidi-theme-font:minor-latin;color:#016FAD;\r\nborder:none windowtext 1.0pt;mso-border-alt:none windowtext 0cm;padding:0cm;\r\nbackground:#FEFEFE\">Who we share your personal data with</span></h2><p style=\"background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;\r\nmso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:\r\nminor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:minor-latin;\r\ncolor:#20242B\">Like most businesses, we use third parties, including other\r\nentities in the Westernclear Co, to help deliver our services. This will often\r\ninvolve a third party processing your personal data but that will only be in\r\nline with the purposes set out above. We operate a regular and strict regime of\r\nthird party checks on how your personal data is protected.<o:p></o:p></span></p><p style=\"background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;\r\nmso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:\r\nminor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:minor-latin;\r\ncolor:#20242B\">Your personal data will be held in confidence by us but may be\r\npassed to other companies as detailed below:<o:p></o:p></span></p><ul type=\"disc\">\r\n <li class=\"MsoNormal\" style=\"color:#20242B;mso-margin-top-alt:auto;mso-margin-bottom-alt:\r\n     auto;mso-list:l0 level1 lfo3;tab-stops:list 36.0pt;background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;mso-bidi-font-family:\r\n     Calibri;mso-bidi-theme-font:minor-latin\">Westernclear Co, their agents or\r\n     any third parties we appoint for the administration and servicing of your\r\n     account, which may include the transfer of your information outside the UK\r\n     and European Economic Area (EEA). Where we send the data of your\r\n     dependants, beneficiaries or shareholders to such third parties you agree\r\n     to inform and gain consent from the relevant persons.<o:p></o:p></span></li>\r\n <li class=\"MsoNormal\" style=\"color:#20242B;mso-margin-top-alt:auto;mso-margin-bottom-alt:\r\n     auto;mso-list:l0 level1 lfo3;tab-stops:list 36.0pt;background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;mso-bidi-font-family:\r\n     Calibri;mso-bidi-theme-font:minor-latin\">We, or other Westernclear Co, are\r\n     provided with updated address details or other information by either you\r\n     or your employer, in which case we will update the information kept for\r\n     any other accounts for which we hold records on our database.<o:p></o:p></span></li>\r\n <li class=\"MsoNormal\" style=\"color:#20242B;mso-margin-top-alt:auto;mso-margin-bottom-alt:\r\n     auto;mso-list:l0 level1 lfo3;tab-stops:list 36.0pt;background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;mso-bidi-font-family:\r\n     Calibri;mso-bidi-theme-font:minor-latin\">If applicable to you, your\r\n     adviser or intermediary - this would include any other party to the\r\n     business relationship with your adviser or intermediary that you have told\r\n     us about;<o:p></o:p></span></li>\r\n <li class=\"MsoNormal\" style=\"color:#20242B;mso-margin-top-alt:auto;mso-margin-bottom-alt:\r\n     auto;mso-list:l0 level1 lfo3;tab-stops:list 36.0pt;background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;mso-bidi-font-family:\r\n     Calibri;mso-bidi-theme-font:minor-latin\">The Unclaimed Assets Register to\r\n     help you with the recovery (for example) of unclaimed distribution\r\n     payments.<o:p></o:p></span></li>\r\n <li class=\"MsoNormal\" style=\"color:#20242B;mso-margin-top-alt:auto;mso-margin-bottom-alt:\r\n     auto;mso-list:l0 level1 lfo3;tab-stops:list 36.0pt;background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;mso-bidi-font-family:\r\n     Calibri;mso-bidi-theme-font:minor-latin\">Companies who facilitate payments\r\n     to you, for example tracing agents, and to allow regulatory money\r\n     laundering checks to be made and BACS and Western Union payments to be\r\n     made.<o:p></o:p></span></li>\r\n <li class=\"MsoNormal\" style=\"color:#20242B;mso-margin-top-alt:auto;mso-margin-bottom-alt:\r\n     auto;mso-list:l0 level1 lfo3;tab-stops:list 36.0pt;background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;mso-bidi-font-family:\r\n     Calibri;mso-bidi-theme-font:minor-latin\">Other organisations to take\r\n     action if we consider your levels of trading to be short-term, excessive\r\n     or disruptive.<o:p></o:p></span></li>\r\n <li class=\"MsoNormal\" style=\"color:#20242B;mso-margin-top-alt:auto;mso-margin-bottom-alt:\r\n     auto;mso-list:l0 level1 lfo3;tab-stops:list 36.0pt;background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;mso-bidi-font-family:\r\n     Calibri;mso-bidi-theme-font:minor-latin\">Fraud prevention and law\r\n     enforcement agencies if false or inaccurate information is provided and\r\n     fraud is identiﬁed. Westernclear Co and other organisations may also\r\n     access and use this information to prevent fraud and money laundering, for\r\n     example, when: checking details on applications for credit and credit\r\n     related or other facilities; managing credit and credit related accounts\r\n     or facilities; recovering debt; checking details on proposals and claims\r\n     for all types of insurance; and checking details of job applicants and\r\n     employees. If fraud is detected, you could be refused certain services,\r\n     finance, or employment.<br>\r\n     We and other organisations may access and use from other countries the\r\n     information recorded by fraud prevention agencies.<o:p></o:p></span></li>\r\n <li class=\"MsoNormal\" style=\"color:#20242B;mso-margin-top-alt:auto;mso-margin-bottom-alt:\r\n     auto;mso-list:l0 level1 lfo3;tab-stops:list 36.0pt;background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;mso-bidi-font-family:\r\n     Calibri;mso-bidi-theme-font:minor-latin\">Our affiliated and associated\r\n     companies for marketing purposes where you have provided your specific\r\n     consent.<o:p></o:p></span></li>\r\n <li class=\"MsoNormal\" style=\"color:#20242B;mso-margin-top-alt:auto;mso-margin-bottom-alt:\r\n     auto;mso-list:l0 level1 lfo3;tab-stops:list 36.0pt;background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;mso-bidi-font-family:\r\n     Calibri;mso-bidi-theme-font:minor-latin\">Other Westernclear Co in order to\r\n     provide improved servicing of the accounts you hold with Westernclear Co,\r\n     including reporting to you. This is at your request only.<o:p></o:p></span></li>\r\n</ul><p style=\"margin:0cm;margin-bottom:.0001pt;background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;\r\nmso-ascii-theme-font:minor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:\r\nminor-latin;color:#20242B\">Any transfer of information will usually be by\r\nelectronic means, including the internet.<o:p></o:p></span></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-bidi-font-family:Calibri;mso-bidi-theme-font:minor-latin;border:\r\nnone windowtext 1.0pt;mso-border-alt:none windowtext 0cm;padding:0cm;\r\nbackground:#FEFEFE\"><o:p>&nbsp;</o:p></span></p><h2 style=\"margin-top:0cm\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:minor-latin;\r\nmso-hansi-theme-font:minor-latin;mso-bidi-theme-font:minor-latin;color:#016FAD;\r\nborder:none windowtext 1.0pt;mso-border-alt:none windowtext 0cm;padding:0cm;\r\nbackground:#FEFEFE\">Transferring your personal data to other countries</span></h2><p style=\"background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;\r\nmso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:\r\nminor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:minor-latin;\r\ncolor:#20242B\">As part of delivery of our service to you it is necessary to\r\ntransfer your personal data across national borders. These transfers may\r\ninvolve at least one of Westerclear’s Group entities operating in the UK and\r\nEEA and as such will apply the European standard of protections to the personal\r\ndata we process. In practice, this means that all the entities in the Westernclear\r\nCo agree to process your personal data in line with high global standards.\r\nWhere your personal data is transferred within the Westernclear Co but outside\r\nof the UK and EEA, that data subsequently receives the same degree of\r\nprotection as it would in the UK and EEA.<o:p></o:p></span></p><p style=\"background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;\r\nmso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:\r\nminor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:minor-latin;\r\ncolor:#20242B\">Where it is necessary to transfer personal data to a third\r\nparty, stringent reviews of those with whom we share the data are carried out\r\nand that data will only be transferred in line with the purpose for which it\r\nwas collected. The third parties to whom we transfer your data are located in\r\nthe following countries: UK, The Netherlands, Germany, Ireland and India.<o:p></o:p></span></p><p style=\"background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;\r\nmso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:\r\nminor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:minor-latin;\r\ncolor:#20242B\">In some circumstances we transfer your personal data to\r\ncompanies for whom it is necessary to provide their services from a multitude\r\nof countries across the globe. The details of these transfers may be found on the\r\nwebsites of those companies, they are:<o:p></o:p></span></p><p class=\"MsoNormal\" style=\"mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;\r\nmargin-left:36.0pt;text-indent:-18.0pt;mso-list:l2 level1 lfo4;tab-stops:list 36.0pt;\r\nbackground:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:\r\n16.0pt;mso-bidi-font-size:12.0pt;mso-bidi-font-family:Calibri;mso-bidi-theme-font:\r\nminor-latin;color:#20242B\">1.<span style=\"font-variant-numeric: normal; font-variant-east-asian: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: &quot;Times New Roman&quot;;\">&nbsp;&nbsp;&nbsp; </span></span><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;mso-bidi-font-family:\r\nCalibri;mso-bidi-theme-font:minor-latin;color:#20242B\">As our payment provider,\r\nwe transfer your personal data to </span><span lang=\"EN-US\" style=\"font-size:\r\n16.0pt;mso-bidi-font-size:12.0pt;mso-bidi-font-family:Calibri;mso-bidi-theme-font:\r\nminor-latin;color:#20242B;mso-ansi-language:EN-US\">our affiliates bank</span><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;mso-bidi-font-family:\r\nCalibri;mso-bidi-theme-font:minor-latin;color:#20242B\"> so that you may\r\ncomplete your transactions. The </span><span lang=\"EN-US\" style=\"font-size:16.0pt;\r\nmso-bidi-font-size:12.0pt;mso-bidi-font-family:Calibri;mso-bidi-theme-font:\r\nminor-latin;color:#20242B;mso-ansi-language:EN-US\">third party bank</span><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;mso-bidi-font-family:\r\nCalibri;mso-bidi-theme-font:minor-latin;color:#20242B\"> Privacy Statement </span><span lang=\"EN-US\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;mso-bidi-font-family:\r\nCalibri;mso-bidi-theme-font:minor-latin;color:#20242B;mso-ansi-language:EN-US\">may\r\nbe different from ours</span><span lang=\"EN-GB\" style=\"font-size:16.0pt;\r\nmso-bidi-font-size:12.0pt;mso-bidi-font-family:Calibri;mso-bidi-theme-font:\r\nminor-latin;color:#20242B\">&nbsp;<o:p></o:p></span></p><p class=\"MsoNormal\" style=\"mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;\r\nmargin-left:36.0pt;text-indent:-18.0pt;mso-list:l2 level1 lfo4;tab-stops:list 36.0pt;\r\nbackground:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:\r\n16.0pt;mso-bidi-font-size:12.0pt;mso-bidi-font-family:Calibri;mso-bidi-theme-font:\r\nminor-latin;color:#20242B\">2.<span style=\"font-variant-numeric: normal; font-variant-east-asian: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: &quot;Times New Roman&quot;;\">&nbsp;&nbsp;&nbsp; </span></span><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;mso-bidi-font-family:\r\nCalibri;mso-bidi-theme-font:minor-latin;color:#20242B\">To comply with our Anti-Money\r\nLaundering obligations we may transfer your personal data to Experian </span><span lang=\"EN-US\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;mso-bidi-font-family:\r\nCalibri;mso-bidi-theme-font:minor-latin;color:#20242B;mso-ansi-language:EN-US\">or\r\nother third party </span><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-bidi-font-family:Calibri;mso-bidi-theme-font:minor-latin;color:#20242B\">as\r\npart of the background checks we are obligated to conduct. The Experian Privacy\r\nStatement may be found atand<o:p></o:p></span></p><p class=\"MsoNormal\" style=\"mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;\r\nmargin-left:36.0pt;text-indent:-18.0pt;mso-list:l2 level1 lfo4;tab-stops:list 36.0pt;\r\nbackground:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:\r\n16.0pt;mso-bidi-font-size:12.0pt;mso-bidi-font-family:Calibri;mso-bidi-theme-font:\r\nminor-latin;color:#20242B\">3.<span style=\"font-variant-numeric: normal; font-variant-east-asian: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: &quot;Times New Roman&quot;;\">&nbsp;&nbsp;&nbsp; </span></span><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;mso-bidi-font-family:\r\nCalibri;mso-bidi-theme-font:minor-latin;color:#20242B\">To comply with our\r\nAnti-Money Laundering obligations we may transfer your personal data to </span><span lang=\"EN-US\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;mso-bidi-font-family:\r\nCalibri;mso-bidi-theme-font:minor-latin;color:#20242B;mso-ansi-language:EN-US\">qualify\r\nand compliance fulfillment third party</span><span lang=\"EN-GB\" style=\"font-size:\r\n16.0pt;mso-bidi-font-size:12.0pt;mso-bidi-font-family:Calibri;mso-bidi-theme-font:\r\nminor-latin;color:#20242B\"> as part of the background checks we are obligated\r\nto conduct.&nbsp; <o:p></o:p></span></p><p class=\"MsoNormal\" style=\"mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;\r\nmargin-left:36.0pt;text-indent:-18.0pt;mso-list:l2 level1 lfo4;tab-stops:list 36.0pt;\r\nbackground:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:\r\n16.0pt;mso-bidi-font-size:12.0pt;mso-bidi-font-family:Calibri;mso-bidi-theme-font:\r\nminor-latin;color:#20242B\"><br></span></p><h2 style=\"margin-top:0cm\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:minor-latin;\r\nmso-hansi-theme-font:minor-latin;mso-bidi-theme-font:minor-latin;color:#016FAD;\r\nborder:none windowtext 1.0pt;mso-border-alt:none windowtext 0cm;padding:0cm;\r\nbackground:#FEFEFE\">Security of your personal data</span></h2><p style=\"margin:0cm;margin-bottom:.0001pt;background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;\r\nmso-ascii-theme-font:minor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:\r\nminor-latin;color:#20242B\">Ensuring the confidentiality, integrity and\r\navailability of your personal data defines our approach to information\r\nsecurity. We ensure that the security risks to your personal data are managed\r\nin a way that makes sure we meet our legal and regulatory obligations. We\r\nproduce, maintain and regularly test our business continuity plans. We utilise\r\nthe&nbsp;internationally recognised information security best practices,\r\nISO27001 and PCI-DSS. Our Information Security Policy &amp; Standards are\r\nregularly reviewed, adhered to and tested for compliance. Information Security\r\ntraining is mandatory for all staff and breaches of information security,\r\nactual or suspected, are reported and investigated.<o:p></o:p></span></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-bidi-font-family:Calibri;mso-bidi-theme-font:minor-latin;border:\r\nnone windowtext 1.0pt;mso-border-alt:none windowtext 0cm;padding:0cm;\r\nbackground:#FEFEFE\"><o:p>&nbsp;</o:p></span></p><h2 style=\"margin-top:0cm\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:minor-latin;\r\nmso-hansi-theme-font:minor-latin;mso-bidi-theme-font:minor-latin;color:#016FAD;\r\nborder:none windowtext 1.0pt;mso-border-alt:none windowtext 0cm;padding:0cm;\r\nbackground:#FEFEFE\">Marketing</span></h2><p style=\"background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;\r\nmso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:\r\nminor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:minor-latin;\r\ncolor:#20242B\">We may collect and use your personal information for undertaking\r\nmarketing by email, telephone and post.<o:p></o:p></span></p><p style=\"background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;\r\nmso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:\r\nminor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:minor-latin;\r\ncolor:#20242B\">We may send you certain direct marketing communications by post\r\nif it is in our legitimate interests to do so for marketing and business\r\ndevelopment purposes. We will endeavour to send content that is relevant to you\r\nby taking into account (but may not be exclusively limited to) the products you\r\nin hold with Westerclear; your age (to help us understand the type of\r\nretirement content you may be interested in and your potential financial\r\ngoals); your postcode (as an indication of your potential interest in other\r\ninvestment products); and any expert insights you have signed up to receive\r\nfrom us.<o:p></o:p></span></p><p style=\"background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;\r\nmso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:\r\nminor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:minor-latin;\r\ncolor:#20242B\">We will obtain your consent to direct marketing communications\r\nwhere we are required to do so by law. Where we rely on your consent to send\r\ndirect marketing communications we will continue to do so.<o:p></o:p></span></p><p style=\"margin:0cm;margin-bottom:.0001pt;background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;\r\nmso-ascii-theme-font:minor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:\r\nminor-latin;color:#20242B\">You have the right to ask us not to process your\r\npersonal information for marketing purposes. You can do this by changing your\r\nmarketing preferences when you log into your online account; using the\r\nunsubscribe link included in the emails we send you, or using the unsubscribe\r\ndetails provided on our direct mail. Please note that requests to unsubscribe\r\nvia post may take longer than using the unsubscribe link in the footer of our\r\nemails.<o:p></o:p></span></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-bidi-font-family:Calibri;mso-bidi-theme-font:minor-latin;border:\r\nnone windowtext 1.0pt;mso-border-alt:none windowtext 0cm;padding:0cm;\r\nbackground:#FEFEFE\"><o:p>&nbsp;</o:p></span></p><h2 style=\"margin-top:0cm\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:minor-latin;\r\nmso-hansi-theme-font:minor-latin;mso-bidi-theme-font:minor-latin;color:#016FAD;\r\nborder:none windowtext 1.0pt;mso-border-alt:none windowtext 0cm;padding:0cm;\r\nbackground:#FEFEFE\">Your rights</span></h2><p style=\"background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;\r\nmso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:\r\nminor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:minor-latin;\r\ncolor:#20242B\">The law places robust obligations on entities in the protection\r\nof personal data. The way we protect your personal data reflects our legal\r\nobligations. A number of rights in relation to the use of your personal\r\ninformation empowers you to make certain requests of us, detailed as follows:<o:p></o:p></span></p><p style=\"background:#FEFEFE\"><strong><span lang=\"EN-GB\" style=\"font-size:16.0pt;\r\nmso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:\r\nminor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:minor-latin;\r\ncolor:#20242B\">(a) Requesting a copy of your personal data</span></strong><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;\r\nmso-ascii-theme-font:minor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:\r\nminor-latin;color:#20242B\"><o:p></o:p></span></p><p style=\"background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;\r\nmso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:\r\nminor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:minor-latin;\r\ncolor:#20242B\">You can access the personal data we hold about you and exercise\r\nyour right to have a copy provided to you, or someone else on your behalf, in a\r\ndigital format by emailing or writing to us using the contact details set out\r\nin the Client Terms.<o:p></o:p></span></p><p style=\"background:#FEFEFE\"><strong><span lang=\"EN-GB\" style=\"font-size:16.0pt;\r\nmso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:\r\nminor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:minor-latin;\r\ncolor:#20242B\">(b) Letting us know if your personal data is incorrect</span></strong><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;\r\nmso-ascii-theme-font:minor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:\r\nminor-latin;color:#20242B\"><o:p></o:p></span></p><p style=\"background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;\r\nmso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:\r\nminor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:minor-latin;\r\ncolor:#20242B\">If you think any of the personal data we hold about you is wrong\r\nplease let us know by contacting us. We will check the accuracy of the\r\ninformation and take steps to correct it if necessary.<o:p></o:p></span></p><p style=\"background:#FEFEFE\"><strong><span lang=\"EN-GB\" style=\"font-size:16.0pt;\r\nmso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:\r\nminor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:minor-latin;\r\ncolor:#20242B\">(c) Asking us to stop using or to erase your personal data</span></strong><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;\r\nmso-ascii-theme-font:minor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:\r\nminor-latin;color:#20242B\"><o:p></o:p></span></p><p style=\"background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;\r\nmso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:\r\nminor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:minor-latin;\r\ncolor:#20242B\">You have the right to object to our use of your personal data.\r\nYou can ask us to delete it, to restrict its use, or to object to our use of\r\nyour personal data for certain purposes such as marketing. If you would like us\r\nto stop using your data in any way, please get in touch. If we are still\r\nproviding services to you we will need to continue using your information to\r\ndeliver those services. In some circumstances we are obligated to keep\r\nprocessing your information for a set period of time.<o:p></o:p></span></p><p style=\"margin:0cm;margin-bottom:.0001pt;background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;\r\nmso-ascii-theme-font:minor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:\r\nminor-latin;color:#20242B\">Information will generally be provided to you free\r\nof charge, although we can charge a reasonable fee in certain circumstances.<o:p></o:p></span></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-bidi-font-family:Calibri;mso-bidi-theme-font:minor-latin;border:\r\nnone windowtext 1.0pt;mso-border-alt:none windowtext 0cm;padding:0cm;\r\nbackground:#FEFEFE\"><o:p>&nbsp;</o:p></span></p><h2 style=\"margin-top:0cm\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:minor-latin;\r\nmso-hansi-theme-font:minor-latin;mso-bidi-theme-font:minor-latin;color:#016FAD;\r\nborder:none windowtext 1.0pt;mso-border-alt:none windowtext 0cm;padding:0cm;\r\nbackground:#FEFEFE\">Cookies</span></h2><p style=\"margin:0cm;margin-bottom:.0001pt;background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;\r\nmso-ascii-theme-font:minor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:\r\nminor-latin;color:#20242B\">Westernclear uses pixels, or transparent GIF files,\r\nto help manage our online advertising. These GIF files are provided by our ad\r\nmanagement partner, DoubleClick. These files enable DoubleClick to recognize a\r\nunique cookie on your web browser, which in turn enables us to learn which advertisements\r\nbring users to our website. More information on&nbsp;</span><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;\r\nmso-ascii-theme-font:minor-latin;mso-fareast-font-family:&quot;Times New Roman&quot;;\r\nmso-fareast-theme-font:major-fareast;mso-hansi-theme-font:minor-latin;\r\nmso-bidi-theme-font:minor-latin;color:#20242B\">our cookie policy</span><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;\r\nmso-ascii-theme-font:minor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:\r\nminor-latin;color:#20242B\">.<o:p></o:p></span></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-bidi-font-family:Calibri;mso-bidi-theme-font:minor-latin\">&nbsp;</span></p><h2 style=\"margin-top:0cm\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:minor-latin;\r\nmso-hansi-theme-font:minor-latin;mso-bidi-theme-font:minor-latin;color:#016FAD;\r\nborder:none windowtext 1.0pt;mso-border-alt:none windowtext 0cm;padding:0cm;\r\nbackground:#FEFEFE\">Linking sites</span></h2><p style=\"background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;\r\nmso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:\r\nminor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:minor-latin;\r\ncolor:#20242B\">For visitors to the Westernclear website arriving through a link\r\nfrom another site, Westernclear is able to record through which link the Westernclear\r\nsite was visited. Please note that Westernclear is not affiliated with, nor\r\ndoes it sponsor or endorse, any linking websites owned by third parties and it\r\ndoes not endorse any product or service offered by such linking sites.<o:p></o:p></span></p><p style=\"margin:0cm;margin-bottom:.0001pt;background:#FEFEFE\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;\r\nmso-ascii-theme-font:minor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:\r\nminor-latin;color:#20242B\">We do not collect any personally identifiable data\r\nfrom you but, should you subsequently become a customer, we will know the\r\nsource through which you were introduced.<o:p></o:p></span></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-bidi-font-family:Calibri;mso-bidi-theme-font:minor-latin;border:\r\nnone windowtext 1.0pt;mso-border-alt:none windowtext 0cm;padding:0cm;\r\nbackground:#FEFEFE\"><o:p>&nbsp;</o:p></span></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size: 16pt; color: rgb(32, 36, 43); background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;\">\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n</span></p><h2><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:minor-latin;\r\nmso-hansi-theme-font:minor-latin;mso-bidi-theme-font:minor-latin;color:#016FAD;\r\nborder:none windowtext 1.0pt;mso-border-alt:none windowtext 0cm;padding:0cm;\r\nbackground:#FEFEFE\">Contacting us</span><span lang=\"EN-GB\" style=\"font-size:16.0pt;\r\nmso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;mso-ascii-theme-font:\r\nminor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:minor-latin;\r\ncolor:#20242B;mso-ansi-language:EN-US\"> </span><strong><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;\r\nmso-ascii-theme-font:minor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:\r\nminor-latin;color:#20242B\">Email</span></strong><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;font-family:&quot;Calibri&quot;,&quot;sans-serif&quot;;\r\nmso-ascii-theme-font:minor-latin;mso-hansi-theme-font:minor-latin;mso-bidi-theme-font:\r\nminor-latin;color:#20242B\">:&nbsp;<a href=\"mailto:info@westernclear.com\">info@<span lang=\"EN-US\">westernclear</span>.com</a><br></span></h2></div></div></div>\r\n                            \r\n                        </div>\r\n                    </div>\r\n                </div>','active','2022-04-19 05:17:58','2022-06-16 12:48:14'),(2,'Terms and Conditions','terms-and-conditions','Terms & Conditions',NULL,'<div class=\"common__wrapp\">\r\n        <div class=\"container\">\r\n            <div class=\"row\">\r\n                 <div class=\"row\">\r\n                    <div class=\"col-xl-12 col-lg-12 col-md-12 mr__bottom mr__top\">\r\n                        <h2>Westernclear Sites Terms of Use (including the online terms)</h2>\r\n                        <p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:Calibri;\r\nmso-bidi-theme-font:minor-latin;mso-fareast-language:EN-GB\">Westernclear sites\r\nterms of use (including the online terms) June 2022 Important notice:\r\nplease do not proceed to the next pages on this website or in this application\r\nuntil you have read and understood these terms and agreed to be bound by them. <o:p></o:p></span></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:Calibri;\r\nmso-bidi-theme-font:minor-latin;mso-fareast-language:EN-GB\">&nbsp;</span></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:Calibri;\r\nmso-bidi-theme-font:minor-latin;mso-fareast-language:EN-GB\">Information\r\ncontained on the Westernclear Sites may not be used by you acting in any other\r\ncapacity or for commercial purposes without the written consent of Westernclear.\r\nInformation on the Westernclear Sites is provided for general information use\r\nonly. The Westernclear Sites do not provide personalized investment advice.\r\nNothing contained on the Westernclear Sites should be construed as being\r\npersonalized investment advice for your particular circumstances. Although we\r\nmake reasonable efforts to update the information on the Westernclear Sites, we\r\nmake no representations, warranties or guarantees, whether express or implied,\r\nthat the content on the Westernclear Sites is accurate, complete or up to date.\r\nIn view of this, Westernclear advises you verify the accuracy and completeness\r\nof any information before seeking to rely on such information. We do not\r\nguarantee that the Westernclear Sites, or any content on them, will always be\r\navailable or be uninterrupted. We may suspend or withdraw or restrict the\r\navailability of all or any part of the Westernclear Sites for business and\r\noperational reasons. We will try to give you reasonable notice of any\r\nsuspension or withdrawal. <o:p></o:p></span></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:Calibri;\r\nmso-bidi-theme-font:minor-latin;mso-fareast-language:EN-GB\">&nbsp;</span></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:Calibri;\r\nmso-bidi-theme-font:minor-latin;mso-fareast-language:EN-GB\">All use of the\r\ninformation by you must comply with such regulations, conditions or\r\nrestrictions applicable to the area or territory in which you shall use the\r\ninformation herein. None of the information published or made available via the\r\nWesternclear Sites is intended to be published or made available in any\r\njurisdiction where to do so would result in a breach of any applicable law or\r\nregulation. Use of pop-up windows Pop-up windows are used on the Westernclear Sites\r\nto display certain types of information. Westernclear will not be held liable\r\nfor any loss incurred as a result of your inability to view information\r\nresulting from the use of pop up blockers. Please ensure that you have disabled\r\npop-up blockers when using the Westernclear Sites. Third party content and\r\nlinking From time to time Westernclear permits linking by other sites to any\r\npart of our websites. These third party sites that have linked to the Westernclear\r\nSites, and the content contained therein has not been reviewed by us. <o:p></o:p></span></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:Calibri;\r\nmso-bidi-theme-font:minor-latin;mso-fareast-language:EN-GB\">&nbsp;</span></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:Calibri;\r\nmso-bidi-theme-font:minor-latin;mso-fareast-language:EN-GB\">Content provided by\r\nentities outside the Westernclear may also appear on the Westernclear Sites or\r\nmay be accessible via links from it (“Third Party Content”). Westernclear has\r\nnot been involved in the preparation, adoption or editing of Third Party\r\nContent and do not explicitly or implicitly endorse or approve such content nor\r\ndo they take responsibility for it. Your access and use of Third Party Content\r\nis at your own risk. Third Party Content is provided for informational purposes\r\nonly and Westernclear shall not be liable for any loss or damage arising from\r\nyour reliance upon such information. <o:p></o:p></span></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:Calibri;\r\nmso-bidi-theme-font:minor-latin;mso-fareast-language:EN-GB\">&nbsp;</span></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:Calibri;\r\nmso-bidi-theme-font:minor-latin;mso-fareast-language:EN-GB\">We have no\r\nresponsibility for the authors or the content of other sites or pages linked or\r\nlinking to the Westernclear Site and we accept no responsibility or liability\r\nfor any losses or penalties whatsoever that may be incurred as a result of any\r\nlinking to any location or any link sites. Nothing on this site should be taken\r\nto infer Westernclear is in partnership or joint venture with the operator of a\r\nlinked site nor establish any relationship that would enable the operator of\r\nthe third party site to enter into any commitments for or on behalf of the Westerclear.\r\n<o:p></o:p></span></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:Calibri;\r\nmso-bidi-theme-font:minor-latin;mso-fareast-language:EN-GB\">&nbsp;</span></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:Calibri;\r\nmso-bidi-theme-font:minor-latin;mso-fareast-language:EN-GB\">Intellectual\r\nproperty rights All intellectual property rights (including, without\r\nlimitation, copyright, trademarks, database rights, patents and all similar\r\nrights) in the Westernclear Sites, including the Secure Site, and the\r\ninformation (including text, images and sound) contained in it are owned by Westerclear,\r\nits licensors or relevant third party content providers. <o:p></o:p></span></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:Calibri;\r\nmso-bidi-theme-font:minor-latin;mso-fareast-language:EN-GB\">&nbsp;</span></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:Calibri;\r\nmso-bidi-theme-font:minor-latin;mso-fareast-language:EN-GB\">You may use the\r\ninformation on this site and reproduce it in hardcopy for your personal\r\nreference only. The information may not otherwise be reproduced, distributed or\r\ntransmitted to any other person or incorporated in any way in to another\r\ndatabase, document or other material. Any copy of materials which you make from\r\nthe site must retain all copyright or other proprietary notices and disclaimers\r\ncontained therein. Nothing on the Westernclear Sites should be considered as\r\ngranting any licence or right under any trade mark of Westernclear or any third\r\nparty, nor should you attempt to use, copy adapt or attempt to register any\r\nsimilar trademarks to any trademarks or logos appearing on the website or in\r\nthe information herein. <o:p></o:p></span></p><p class=\"MsoNormal\"><br></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:Calibri;\r\nmso-bidi-theme-font:minor-latin;mso-fareast-language:EN-GB\">Online terms\r\nAccount Opening &amp; Account Management terms &amp; conditions Important\r\nnotice: please do not proceed to the next pages on this website or in this\r\napplication until you have read and understood these terms and agreed to be\r\nbound by them. Please read these terms and conditions (“Terms”) carefully\r\nbefore proceeding to access the services described below. If you are a new\r\ninvestor or an existing investor who has previously used a PIN to access the\r\nsite you will be asked to create a password (“Password”) or if you are using the\r\nApplication with a compatible device, you will be able to set up access using\r\nyour fingerprint (“Fingerprint”) or face ID (“Face ID”). Your Password or\r\nFingerprint or Face ID are together referred to as your “Personal\r\nIdentification”. <o:p></o:p></span></p><p class=\"MsoNormal\"><br></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:Calibri;\r\nmso-bidi-theme-font:minor-latin;mso-fareast-language:EN-GB\">Your Personal Identification\r\nwill give you access via the Internet to a database of client information\r\n(“Information”) provided by Westernclear and, where applicable, enable you to\r\nplace orders electronically (‘Electronic Dealing Facility’) (together or\r\nindividually referred to as the “Service”). In using your Personal\r\nIdentification you will be deemed to have read, understood and agreed to these\r\nTerms, which will form a binding agreement between you and Westernclear. <o:p></o:p></span></p><p class=\"MsoNormal\"><br></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:Calibri;\r\nmso-bidi-theme-font:minor-latin;mso-fareast-language:EN-GB\">This document\r\ncontains the terms and conditions on which </span><span lang=\"EN-US\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;mso-fareast-font-family:&quot;Times New Roman&quot;;\r\nmso-bidi-font-family:Calibri;mso-bidi-theme-font:minor-latin;mso-ansi-language:\r\nEN-US;mso-fareast-language:EN-GB\">Westernclear</span><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;mso-fareast-font-family:&quot;Times New Roman&quot;;\r\nmso-bidi-font-family:Calibri;mso-bidi-theme-font:minor-latin;mso-fareast-language:\r\nEN-GB\"> Investment Services</span><span lang=\"EN-US\" style=\"font-size:16.0pt;\r\nmso-bidi-font-size:12.0pt;mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:\r\nCalibri;mso-bidi-theme-font:minor-latin;mso-ansi-language:EN-US;mso-fareast-language:\r\nEN-GB\">, Westernclear </span><span lang=\"EN-GB\" style=\"font-size:16.0pt;\r\nmso-bidi-font-size:12.0pt;mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:\r\nCalibri;mso-bidi-theme-font:minor-latin;mso-fareast-language:EN-GB\">Investments\r\nInternational and Financial Administration Services Limited (a Westernclear Co)\r\n(together “Westernclear”) agree to: (i) your use of your Personal\r\nIdentification; (ii) your use of Westernclear information accessed by your\r\nusing your Password; and (iii) your use of the Electronic Dealing Facility to\r\nplace orders to buy, sell, redeem or switch certain shares or units\r\n(“Electronic Orders”) by using your Personal Identification. In order to register\r\nfor the Service you will need to provide your e-mail address and telephone\r\nnumber. Your e-mail and telephone number will be used by Westernclear purely\r\nfor the following purposes: - (a) registration and password reminder; (b)\r\ncommunications concerning the operation of the website or application and the\r\nService; (c) communicating to you in accordance with your existing preferences.\r\n<o:p></o:p></span></p><p class=\"MsoNormal\"><br></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:Calibri;\r\nmso-bidi-theme-font:minor-latin;mso-fareast-language:EN-GB\">Westernclear uses a\r\nsecurity key, something that is similar to a cookie, when you register and log\r\nin using the application and website. It’s designed to enhance the log in\r\nprocess, making it easier for you to log in and at the same time, provide an\r\nadditional layer of protection. In order to achieve this it stores your\r\nPersonal Identification but in an encrypted format. We won’t be able to\r\npersonally identify you with this information and we won’t know what your\r\npassword is but it will enable us to recognise that it’s you when you log in\r\nfrom that same device. When you register and log in the Westernclear application,\r\nwe will initially verify your email address and then automatically store the\r\nsecurity key on your device the next time you log in, if you do not accept the\r\nsecurity key in the first instance. This will help us identify you more easily\r\nwhen you next log in, and make your mobile login process easier for you. It\r\nisn’t mandatory, but accepting the security key will help us to identify you\r\nmore easily when you next log in, and make your web login process easier for\r\nyou. If you choose not to allow the security key, you will need to go through\r\nadditional log in processes, including entering a one-time code, each and every\r\ntime you log in to the web. Provision of the service by Westernclear Once you\r\nhave accessed the Service using your Personal Identification, you will be deemed\r\nto have accepted these Terms and these Terms will form a legally binding\r\nagreement. From that moment, you will then have the right to access the\r\ninformation and use the Electronic Dealing Facility in accordance with these\r\nTerms until your right to use the service is terminated. <o:p></o:p></span></p><p class=\"MsoNormal\"><br></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:Calibri;\r\nmso-bidi-theme-font:minor-latin;mso-fareast-language:EN-GB\">Westernclear grants\r\nyou the right to use the Service and your Personal Identification, solely for\r\nuse in accordance with these Terms and any other instruction or direction for\r\nuse supplied to you by Westernclear from time to time via the Service or\r\notherwise. You agree to comply with these Terms and any such other instruction\r\nor direction. Your right to use the Service is personal to you and you may not\r\npermit any other person to gain access to the Service using your Personal Identification.\r\n<o:p></o:p></span></p><p class=\"MsoNormal\"><br></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:Calibri;\r\nmso-bidi-theme-font:minor-latin;mso-fareast-language:EN-GB\">Technological\r\nchanges from time to time may make the equipment which you use to access the\r\nService (the “Equipment”) obsolete or otherwise unsuitable. You are solely\r\nresponsible for providing, updating, or replacing any part of the Equipment and\r\nfor any telecommunication and other related costs. <o:p></o:p></span></p><p class=\"MsoNormal\"><br></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:Calibri;\r\nmso-bidi-theme-font:minor-latin;mso-fareast-language:EN-GB\">Westernclear makes\r\nno warranty as to the suitability or otherwise of the Equipment, which is your\r\nresponsibility alone. Westernclear reserves the right to change the Service at\r\nany time even if this causes you the need to update or replace the Equipment.\r\nSecurity and personal data You consent to the processing by Westernclear, by\r\nassociated and affiliated companies and by any third parties involved in the\r\nprovision to you of products or services of the personal data submitted by you\r\nthrough the Service and/or created in the course of your relationship with Westernclear\r\nand to the transmission of such personal data to such associated and affiliated\r\ncompanies and/or third parties for purposes connected with customer\r\nadministration. <o:p></o:p></span></p><p class=\"MsoNormal\"><br></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:Calibri;\r\nmso-bidi-theme-font:minor-latin;mso-fareast-language:EN-GB\">You also consent\r\ngenerally to the use of your personal data in accordance with the privacy\r\npolicy on the Westernclear Sites. Subject to these Terms, your Personal\r\nIdentification will enable you to access the Service and use the Electronic\r\nDealing Facility. Remember: using your Personal Identification confirms that\r\nyou accept these Terms and creates a legally binding agreement between you and Westernclear\r\non these Terms. At its sole discretion Westernclear may bar the use of your\r\nPersonal Identification from time to time due to security or other concerns or\r\nfor general administration purposes. <o:p></o:p></span></p><p class=\"MsoNormal\"><br></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:Calibri;\r\nmso-bidi-theme-font:minor-latin;mso-fareast-language:EN-GB\">Westernclear will\r\ninform you as soon as reasonably possible of such action. You may then create a\r\nnew Password following the procedures advised by Westernclear. You must take all\r\nreasonable steps to keep your Password secret. You must not write your Password\r\non anything Westernclear sends you about your account or anything usually kept\r\nwith them. If you do write your Password down anywhere, you must disguise it so\r\nthat nobody will know it as your Password. If you become aware of, or suspect\r\nany unlawful or unauthorized use of your Password you should bring this to Westernclear’s\r\nattention as soon as possible and you may then create a new Password following\r\nthe procedures advised by Westernclear. <o:p></o:p></span></p><p class=\"MsoNormal\"><br></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:Calibri;\r\nmso-bidi-theme-font:minor-latin;mso-fareast-language:EN-GB\">Your instructions\r\nYou will be treated as authorizing Westernclear to act on dealing instructions\r\nsent through the Electronic Dealing Facility without further written\r\nconfirmation to Westernclear. Online instructions can only be given in English.\r\nSuch instructions will be treated as your instructions if they were given using\r\nyour Password and provided that Westernclear or its employees were not guilty\r\nof negligence, fraud or willful default (and subject to the penultimate\r\nparagraph of the preceding section of these Terms). This authorization remains\r\nin force until Westernclear receives notice from you of its termination (given\r\nin writing or by means of the Service). Such notice will not affect the\r\ncompletion of transactions already initiated by Westernclear pursuant to this\r\nauthority or by you with any third party via the Electronic Dealing Facility. <o:p></o:p></span></p><p class=\"MsoNormal\"><br></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:Calibri;\r\nmso-bidi-theme-font:minor-latin;mso-fareast-language:EN-GB\">Westernclear reserves\r\nthe right to obtain from you written confirmation of any instruction sent\r\nthrough the Electronic Dealing Facility. Electronic dealing facility When Westernclear\r\naccepts your instructions, Westernclear will send you a reference number and an\r\nelectronic confirmation of your Order. Where available you will also receive\r\nelectronic statements and valuations through your Electronic Dealing Facility. Westernclear\r\nwill keep a record of all transactions, which is available on request. Westernclear\r\naccepts no liability for failure to carry out any Electronic Order which you\r\nplace using the Electronic Dealing Facility unless you can show that you have\r\nreceived a reference number and an accurate confirmation of such Electronic\r\nOrder, nor if Westernclear is unable to obtain authorisation on your debit card\r\nfor payment of the full amount due or if incorrect details are submitted with\r\nyour instruction. You will notify Westernclear as soon as possible if you do\r\nnot receive a reference number and confirmation immediately after placing an\r\nElectronic Order. <o:p></o:p></span></p><p class=\"MsoNormal\"><br></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:Calibri;\r\nmso-bidi-theme-font:minor-latin;mso-fareast-language:EN-GB\">You will further\r\nnotify Westernclear as soon as possible: <o:p></o:p></span></p><p class=\"MsoListParagraphCxSpFirst\" style=\"text-indent:-18.0pt;mso-list:l0 level1 lfo1\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;font-family:Symbol;\r\nmso-fareast-font-family:Symbol;mso-bidi-font-family:Symbol;mso-fareast-language:\r\nEN-GB\">·<span style=\"font-variant-numeric: normal; font-variant-east-asian: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: &quot;Times New Roman&quot;;\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\r\n</span></span><span lang=\"EN-GB\" style=\"font-size:16.0pt;\r\nmso-bidi-font-size:12.0pt;mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:\r\nCalibri;mso-bidi-theme-font:minor-latin;mso-fareast-language:EN-GB\">if any\r\naspect of the confirmation does not accurately reflect your Electronic Order;\r\nor<o:p></o:p></span></p><p class=\"MsoListParagraphCxSpLast\" style=\"text-indent:-18.0pt;mso-list:l0 level1 lfo1\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:12.0pt;font-family:Symbol;\r\nmso-fareast-font-family:Symbol;mso-bidi-font-family:Symbol;mso-fareast-language:\r\nEN-GB\">·<span style=\"font-variant-numeric: normal; font-variant-east-asian: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: &quot;Times New Roman&quot;;\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;\r\n</span></span><span lang=\"EN-GB\" style=\"font-size:16.0pt;\r\nmso-bidi-font-size:12.0pt;mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:\r\nCalibri;mso-bidi-theme-font:minor-latin;mso-fareast-language:EN-GB\">if you\r\nreceive a reference number, confirmation or contract note for an Electronic\r\nOrder which has not been placed with your Password. <o:p></o:p></span></p><p class=\"MsoNormal\"><br></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:Calibri;\r\nmso-bidi-theme-font:minor-latin;mso-fareast-language:EN-GB\">If you fail to\r\nnotify Westernclear as soon as possible in any of these circumstances, you will\r\nbe deemed to have accepted the terms of the Electronic Order as stated on the\r\nconfirmation provided to you by Westernclear. You accept full responsibility for\r\nmonitoring the Information. You understand and agree that telephone calls to Westernclear\r\nmay be recorded and monitored. You understand that all other terms and\r\nconditions, (including Westernclear’s Client Terms (incorporating\r\nFundsNetworkTM) and the terms of business of any third party involved in the\r\nprovision to you of products or services), applications completed or otherwise\r\naccepted by you as well as any applicable instruments, deeds, prospectuses and\r\nscheme particulars control the operation of your Westernclear accounts and that\r\nthe Service is provided subject to all those matters. In the event of a\r\nconflict between these Terms and those other matters, these Terms shall prevail\r\nin respect of details specifically concerning use of the Service, unless\r\nexpressly provided otherwise. <o:p></o:p></span></p><p class=\"MsoNormal\"><br></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:Calibri;\r\nmso-bidi-theme-font:minor-latin;mso-fareast-language:EN-GB\">Westernclear owns\r\nthe copyright and any other intellectual property rights subsisting anywhere in\r\nthe world relating to the Information, the databases and your Password in\r\nrespect of the Service. You have no rights to the Password and Information\r\nother than as set out in these Terms. If you become aware of or suspect any\r\nunlawful or unauthorized use of the Service (or if you become aware of or\r\nsuspect any other infringement by any person of rights of Westernclear in the\r\nInformation) you must bring this to the attention of Westernclear immediately\r\nand give Westernclear any details you have in relation to this. Restrictions on\r\nuse You may not copy, reproduce, duplicate, modify, adopt or lend, sell or\r\notherwise transfer, in whole or in part, any of the Information, except for the\r\npurpose of accessing the Service and producing print-outs for your own personal\r\nuse. Your rights under these Terms are personal to you and you may not\r\nsub-license, assign or otherwise transfer any of those rights. You must not\r\nallow anyone else to use your Password. Limitations of liability Westernclear makes\r\nno warranty or representation that the Service can be accessed at all times. <o:p></o:p></span></p><p class=\"MsoNormal\"><br></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:Calibri;\r\nmso-bidi-theme-font:minor-latin;mso-fareast-language:EN-GB\">The Service may be\r\ntemporarily unavailable or restricted for administrative or other reasons and Westernclear\r\ndoes not accept any responsibility and will not be liable for any loss or\r\ndamage arising out of or in connection with loss of use of the Service. You\r\nacknowledge that your uninterrupted access to the Service and use of the\r\nElectronic Dealing Facility may also be prevented by certain factors outside\r\nthe reasonable control of Westernclear (a “Service Disruption Event”)\r\nincluding, without limitation, the in-operation, inefficiency or unsuitability\r\nof the Equipment and the unavailability, in-operation or interruption of\r\nInternet or other telecommunication services. Non-performance by Westernclear of\r\nits obligations under these Terms will not be a breach of these Terms where\r\nsuch non-performance results directly or indirectly from a Service Disruption\r\nEvent. <o:p></o:p></span></p><p class=\"MsoNormal\"><br></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:Calibri;\r\nmso-bidi-theme-font:minor-latin;mso-fareast-language:EN-GB\">Westernclear does\r\nnot accept any responsibility and will not be liable for any loss or damage\r\narising out of or in connection with any such Service Disruption Event. Westernclear\r\ndoes not accept any responsibility and will not be liable for the inaccuracy or\r\nincompleteness of any information received by you or by Westernclear through\r\nthe Service which arises out of or in connection with data transmission,\r\nmachine or software error or malfunction or from your operating error or which\r\noriginates from information obtained from third parties (other than such\r\ninaccuracy or incompleteness arising as a result of Westernclear’s negligence,\r\nfraud or willful default). <o:p></o:p></span></p><p class=\"MsoNormal\"><br></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:Calibri;\r\nmso-bidi-theme-font:minor-latin;mso-fareast-language:EN-GB\">Westernclear does\r\nnot accept any responsibility and will not be liable for the performance of any\r\nthird party involved in the provision to you of products or services,\r\nregardless of whether you have made contact with such third party via the\r\nService. You agree that Westernclear has a lien over such of your cash and\r\ninvestments (including units or shares in any collective investment scheme) as\r\nare held by Westernclear or under Westernclear’s control to the extent of any\r\ncosts, claims or other liabilities suffered or incurred by Westernclear and\r\narising as a result of your failure to comply with the terms and conditions\r\nagreed between you and Westernclear and/or between you and any such third\r\nparty, and that Westernclear may accordingly realize without notice sufficient\r\nof your cash and investments to meet any such costs, claims or other\r\nliabilities. <o:p></o:p></span></p><p class=\"MsoNormal\"><br></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:Calibri;\r\nmso-bidi-theme-font:minor-latin;mso-fareast-language:EN-GB\">Termination and\r\nnotice provisions Westernclear reserves the right to terminate your agreement\r\nwith Westernclear on these Terms (by giving you notice in writing or by means\r\nof the Service) on the redemption of your entire holdings with Westernclear. You\r\nmay terminate your right to use the Service by giving notice in writing or by\r\nmeans of the Service to Westernclear which will be effective on receipt by Westernclear,\r\nbut this will not affect transactions already initiated. <o:p></o:p></span></p><p class=\"MsoNormal\"><br></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:Calibri;\r\nmso-bidi-theme-font:minor-latin;mso-fareast-language:EN-GB\">Westernclear may\r\nterminate your right to use the Service by giving notice in writing or by means\r\nof the Service which will be effective immediately upon being sent but this\r\nwill not affect transactions already initiated. These Terms may be amended by Westernclear\r\nand you will be notified of any material amendments in writing or by means of\r\nthe Service. General provisions A failure or delay by either party to enforce\r\nany right under these Terms is not an implied waiver of the same or of any\r\nother right in the future. <o:p></o:p></span></p><p class=\"MsoNormal\"><br></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:Calibri;\r\nmso-bidi-theme-font:minor-latin;mso-fareast-language:EN-GB\">All of the terms\r\nand conditions relating to the Service are contained in these Terms and any\r\nother instruction or direction for use supplied by Westernclear to you via the\r\nService or otherwise. Oral communications that you have with Westernclear shall\r\nnot become part of the terms relating to the use of the Personal\r\nIdentification, the Information or the Service unless Westernclear confirms\r\nthem to you in writing or by means of the Service. <o:p></o:p></span></p><p class=\"MsoNormal\"><br></p><p class=\"MsoNormal\"><span lang=\"EN-GB\" style=\"font-size:16.0pt;mso-bidi-font-size:\r\n12.0pt;mso-fareast-font-family:&quot;Times New Roman&quot;;mso-bidi-font-family:Calibri;\r\nmso-bidi-theme-font:minor-latin;mso-fareast-language:EN-GB\">If any provision in\r\nthese Terms is held or made invalid by a court, statute, rule or otherwise, the\r\nremainder of these Terms will not be affected. These Terms shall be governed by\r\nand construed in accordance with the laws of England and Wales. The Courts of\r\nEngland will have exclusive jurisdiction to settle any claim or matter arising\r\nunder or in relation to these Terms.</span></p>\r\n\r\n                    </div>\r\n                </div>\r\n\r\n               \r\n                            \r\n                        </div>\r\n                    </div>\r\n                </div>','active','2022-04-19 05:31:15','2022-06-16 18:19:34'),(3,'POLICIES & DISCLOSURES','policies-disclosures','CHOOSING YOUR INVESTMENTS',NULL,'<div class=\"common__wrapp\">\r\n        <div class=\"container\">\r\n            <div class=\"row\">\r\n                <h3><font size=\"5\" face=\"verdana\">Important Information</font></h3>\r\n                        <p><span style=\"background-color: rgb(254, 254, 254);\"><font color=\"#20242b\" face=\"neuzeit_grotesk, Helvetica, Arial, sans-serif\"><span style=\"font-size: 1.125rem; font-weight: initial;\">It is important to understand that the value of investments can go down as well as up, so you may get back less than you invest. Please note that these guidance tools are not a personal recommendation in respect of a particular investment. If you need additional help, please speak to an </span><span style=\"font-size: 18px;\">authorized</span><span style=\"font-size: 1.125rem; font-weight: initial;\">&nbsp;financial adviser. You should regularly reassess the suitability of your investments to ensure they continue to meet your attitude to risk and investment goals.</span></font></span></p>\r\n\r\n                        <p><span style=\"color: rgb(81, 91, 107); text-align: center; background-color: rgb(254, 254, 254);\"><font size=\"5\" style=\"\" face=\"verdana\">A few options to get you started</font></span></p>\r\n\r\n                        <p><span style=\"font-size: 1.125rem; background-color: rgb(254, 254, 254); color: rgb(32, 36, 43); font-family: neuzeit_grotesk, Helvetica, Arial, sans-serif; font-weight: initial;\">Whether you’re a beginner or an advanced investor, we can help you to find your next investment from the thousands on offer. Our investment options could help you select the best direction for you, but are by no means exhaustive, and should not be seen as a recommendation for any particular investment.</span></p><div class=\"table__main\"><div class=\"table__data__wrapp\"><div class=\"table__data__content\">\r\n                                </div>\r\n                            </div>\r\n                            \r\n                            \r\n                        </div>\r\n                    </div>\r\n                </div>\r\n            </div>','active','2022-04-20 01:38:37','2022-07-12 14:56:42'),(4,'Contact','contact','Contact Us',NULL,'<div class=\"image__box\">\r\n                                <img src=\"https://westernclear.com/storage/galleryImages/jHAdSNj8Y8OIIq2HqcBV8tCRPx1LGCAg9lOEOk9A.png\" alt=\"\">\r\n                            </div>\r\n                            <h2>HOW ARE WE DOING?</h2>\r\n                            <p class=\"cont__para\">We would like to know what you think about our service.<br>\r\n                            Please fill out our brief survey.</p>\r\n                            <h4 class=\"text-uppercase\">See what our customers are saying!</h4>\r\n                            <div class=\"cont__excel__image\">\r\n                                <img src=\"https://westernclear.com/storage/galleryImages/DKeSXQMbJwngZFB3ut8N4AWEaBXFg1ZhyXhUymd0.jpg\">\r\n                            </div>','active','2022-04-20 03:55:29','2022-07-12 20:52:54'),(5,'Church Bond Investment','church-bond-investment','CHURCH BOND INVESTMENT',NULL,'<div class=\"common__wrapp\">\r\n            <div class=\"container\">\r\n\r\n                <div class=\"row\">\r\n                    <div class=\"col-xl-12 col-lg-12 col-md-12 mr__bottom mr__top\">\r\n                        <h2>Church Bond Investments</h2>\r\n                        <p>Church bonds are issued to assist churches in the building or renovation of their facilities. The bonds can offer an attractive rate of return for the investor while aiding churches to further their ministries.</p>\r\n                        <p>Thousands of churches, including many of the largest ministries in the country, have been constructed through church bond financing, and millions of investors have enjoyed great returns. While not without risk, church bonds are a viable and attractive alternative investment for some.</p>\r\n\r\n                    </div>\r\n                </div>\r\n\r\n                <div class=\"row\">\r\n                    <div class=\"col-xl-12 col-lg-12 col-md-12 mr__bottom mr__top\">\r\n                <h2>WesternClear and Church Bonds</h2>\r\n                <p>WesternClear Trust Company serves as trustee, registrar, and paying agent for church bond programs. Bonds are available for purchase through your broker-dealer and monitored and recorded at WesternClear. Church bonds can be purchased for as little as $250 (depending on the broker-dealer) with varying maturities ranging from 6 months to 30 years. Bonds may be held by you directly in a tax-deferred or tax-free, or within a WAMMA (WesternClear Asset and Money Management Account) custodial account.</p>\r\n\r\n\r\n                <p><a href=\"https://westernclear.com/contact\" title=\"\" target=\"\">Contact us</a> today if you are considering a bond program as an alternative to conventional financing or if you are interested in investing in church bonds. We can put you in contact with a broker-dealer who can assist you.</p>\r\n                    </div>\r\n                </div>\r\n\r\n            </div>\r\n\r\n        </div>\r\n\r\n        <div class=\"ready__to__invest__wrapp\">\r\n            <div class=\"image__box\"><img src=\"https://westernclear.com/storage/galleryImages/ouSaakm6WcryiK0ZERx7dg0m7pMk91zC1wg5riHl.jpg\"></div>\r\n            <div class=\"inner__content\">\r\n                <div class=\"container\">\r\n                    <div class=\"row justify-content-center\">\r\n                        <div class=\"col-xl-10 col-lg-10 col-md-10 mr__bottom mr__top\">\r\n                            <h2>Ready to Start Investing?</h2>\r\n                            <p>Download our Church Bond Investment Kit that includes all of the forms you will need, brief instructions on how to get started and a checklist for new accounts.</p>\r\n                            <div class=\"btn__wrap\">\r\n                                <a href=\"https://westernclear.com/register\" class=\"open__acct__btn\" title=\"\" target=\"\">Open Your Account</a>\r\n                            </div>\r\n\r\n                        </div>\r\n                    </div>\r\n\r\n                </div>\r\n            </div>\r\n        </div>','active','2022-06-03 00:23:05','2022-07-12 20:52:25'),(6,'Precious metals','precious-metals','PRECIOUS METALS',NULL,'<div class=\"common__wrapp\">\r\n            <div class=\"container\">\r\n\r\n                <div class=\"row\">\r\n                    <div class=\"col-xl-12 col-lg-12 col-md-12 mr__bottom mr__top\">\r\n                        <h2>Precious Metals IRAs</h2>\r\n                        <p>There have always been savers and investors want to hold a portion of their assets in precious metals. Most of the advanced countries regulations now allow a considerable range of gold, silver, platinum and palladium bullion and coins to be held as IRA investments.</p>\r\n                        <h2>Why WesternClear?</h2>\r\n                        <p>Holding precious metals not as straightforward as other investments. If you want to invest in precious metals, there are special steps you will need to take. The custodian of precious metal assets must have highly specialized knowledge as well.</p>\r\n                        <p>WesternClear depth of experience and proven expertise in precious metals investments make it easy to own these assets as part of your retirement.</p>\r\n\r\n                        <h2>Important information you’ll need to know.</h2>\r\n\r\n                        <p>Due to the highly specialized nature of Precious Metals IRAs, we’ve provided resources below that should answer many of your questions and provide assistance. Of course, you can always <a href=\"https://westernclear.com/contact\" title=\"\" target=\"\">contact us</a> directly with any questions about a WesternClear account.</p><p><br></p>\r\n                    </div>\r\n                </div>\r\n\r\n                <div class=\"row\">\r\n                    <div class=\"col-xl-12 col-lg-12 col-md-12 mr__bottom mr__top\">\r\n                        <div class=\"precious__metals__sec\">\r\n                            <ul class=\"nav nav-tabs\" id=\"myTab\" role=\"tablist\">\r\n                                <li class=\"nav-item\" role=\"presentation\">\r\n                                    <button class=\"nav-link active\" id=\"home-tab\" data-bs-toggle=\"tab\" data-bs-target=\"#metal\" type=\"button\" role=\"tab\" aria-controls=\"metal\" aria-selected=\"true\"> IRA Allowable Metals</button></li>\r\n                            </ul>\r\n                            <div class=\"tab-content\" id=\"myTabContent\">\r\n                                <div class=\"tab-pane fade show active\" id=\"metal\" role=\"tabpanel\" aria-labelledby=\"metal-tab\">\r\n                                    <h2>DIVERSIFY YOUR PORTFOLIO WITH PRECIOUS METALS</h2>\r\n                                    <p>WesternClear Trust is a leading custodian for gold, silver, platinum and palladium bullion. Through a self-directed IRA, diversifying your portfolio is easier than ever.</p>\r\n\r\n                                    <h2>Minimum Fineness Requirements</h2>\r\n                                    <p>An IRA may hold investments in certain precious metals allowed by the Internal Revenue Code. Coin or bullion that is not specifically permitted are considered to be collectibles and are disallowed for IRAs.&nbsp; In the United States of America for example the allowable exceptions were broadened by the Taxpayer <strong>Relief Act of 1997</strong>, effective January 1, 1998.</p>\r\n\r\n                                    <p>The specific precious metals permitted are: silver, gold and platinum American Eagle coins, a coin issued under the laws of any State, and gold, silver platinum or palladium bullion that meets the minimum fineness requirements</p>\r\n                                    <p>Currently, gold must be .9950 pure, silver must be .9990 pure, and both platinum and palladium must be .9995 pure to qualify.</p>\r\n                                    <p>Bars, rounds and coins must be produced by a refiner, assayer or manufacturer that is accredited/certified by NYMEX, COMEX, NYSE/Liffe, LME, LBMA, LPPM, TOCOM, ISO 9000, or national government mint in order to be accepted by WesternClear.</p><p><br></p><ul class=\"bullet__wrapp\">\r\n                                    </ul>\r\n\r\n                                </div>\r\n                                <div class=\"tab-pane fade\" id=\"fees\" role=\"tabpanel\" aria-labelledby=\"fees-tab\">\r\n                                    <p>Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry\'s standard dummy text ever since the 1500s</p>\r\n                                </div>\r\n                                <div class=\"tab-pane fade\" id=\"dealer\" role=\"tabpanel\" aria-labelledby=\"dealer-tab\">\r\n                                    <p>Lorem Ipsum is simply dummy text of the printing and typesetting industry. </p>\r\n\r\n                                </div>\r\n                                <div class=\"tab-pane fade\" id=\"storage\" role=\"tabpanel\" aria-labelledby=\"storage-tab\">\r\n                                    <p>Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry\'s standard dummy text ever since the 1500s</p>\r\n\r\n                                </div>\r\n                            </div>\r\n\r\n                        </div>\r\n\r\n                    </div>\r\n                </div>\r\n\r\n\r\n            </div>\r\n\r\n        </div>\r\n\r\n        <div class=\"ready__to__invest__wrapp\">\r\n            <div class=\"image__box\"><img src=\"https://westernclear.com/storage/galleryImages/F0cNHaywsvVcIYk7CpyGTNzDAU5Yxq9CSQsRgAZN.jpg\"></div>\r\n            <div class=\"inner__content\">\r\n                <div class=\"container\">\r\n                    <div class=\"row justify-content-center\">\r\n                        <div class=\"col-xl-10 col-lg-10 col-md-10 mr__bottom mr__top\">\r\n                            <h2>Ready to Start Investing?</h2>\r\n                            <p>Download our Church Bond Investment Kit that includes all of the forms you will need, brief instructions on how to get started and a checklist for new accounts.</p>\r\n                            <div class=\"btn__wrap\">\r\n                              <a href=\"https://westernclear.com/register\" class=\"open__acct__btn\" title=\"\" target=\"\">Open Your Account</a>\r\n                            </div>\r\n                           \r\n                        </div>\r\n                    </div>\r\n\r\n                </div>\r\n            </div>\r\n        </div>','active','2022-06-03 00:41:22','2022-07-12 20:54:36'),(7,'Self-Directed IRA (SDIRA)','self-directed-ira-sdira','Self-Directed IRA (SDIRA)',NULL,'<div class=\"common__wrapp\">\r\n            <div class=\"container\">\r\n                <div class=\"row\">\r\n                    <div class=\"col-xl-12 col-lg-12 col-md-12 mr__bottom\">\r\n                        <h2>What is a Self-Directed IRA (SDIRA)?</h2>\r\n                        <p><font size=\"2\"><span style=\"font-weight: initial; color: rgb(17, 17, 17); font-family: SourceSansPro, sans-serif; letter-spacing: 0.05px;\">A self-directed individual retirement account (SDIRA) is a type of individual retirement account (IRA)</span><span style=\"font-weight: initial; color: rgb(17, 17, 17); font-family: SourceSansPro, sans-serif; letter-spacing: 0.05px;\">&nbsp;that can hold a variety of alternative investments normally prohibited from regular IRAs. Although the account is administered by a custodian or trustee, it’s directly managed by the account holder, which is why it’s called self-directed.</span></font></p><p><font color=\"#000000\">As a miner that work all your life, day and night, if you thought of what would happen in the future for your and your family, may be this is the right opportunity for you because a self-directed IRA allows the IRA owner to choose where and how their funds are invested. A self-directed IRA is not right for everyone. But it might be right for you.&nbsp;</font><span style=\"color: rgb(0, 0, 0); font-size: 0.875rem; font-weight: initial;\">If you’re an independent-minded investor. You know how you want to invest. You don’t need to follow someone else’s ideas.</span></p>\r\n                        <p><font color=\"#000000\">With a WesternClear self-directed IRA you won’t get recommendations or reassurances. What you will get is WesternClear’s unmatched experience and expertise at helping investors like you take advantage of the benefits of a self-directed IRA.</font></p>\r\n                        <p><font color=\"#000000\">Self-directed IRAs can be vehicles for alternative investments in things like <a href=\"#\">precious metals, privately offered investments, real estate, church bonds,</a> and even <a href=\"#\">crowdfunding</a>, to name a few. Almost anything can be put into an IRA if a fair market value can be readily obtained; there are exceptions such as life insurance, art and other collectibles.</font></p>\r\n                    </div>\r\n                </div>\r\n                <div class=\"row\">\r\n                    <div class=\"col-xl-12 col-lg-12 col-md-12 mr__bottom mr__top\">\r\n                        <h2>What are the benefits of a Self-Directed IRA?</h2>\r\n                        <ul class=\"bullet__wrapp\">\r\n                            <li>Leverage a wider range of investments that you know and understand</li>\r\n                            <li>Greater control and flexibility over your investments</li>\r\n                            <li>The power to invest in companies with ideas you truly believe in</li>\r\n                            <li>Tax-deferred or tax-free growth, tax deductions, asset protection and estate planning benefits</li>\r\n                            <li>Protection against market volatility and inflation rates</li>\r\n                            <li>Asset protection under federal bankruptcy laws</li>\r\n                            <li>The option to open any type of IRA: Traditional, Roth, SEP or SIMPLE</li></ul>\r\n                    </div>\r\n                </div>\r\n                <div class=\"row\">\r\n                    <div class=\"col-xl-12 col-lg-12 col-md-12 mr__bottom mr__top\">\r\n                        <h2>Why WesternClear Company?</h2>\r\n                        <p>Owning alternative assets in an IRA is easy to do if the custodian you choose specializes in holding the asset you’re interested in. The key is to find the right company to help you with the process.</p>\r\n                        <p>WesternClear Trust Company is a pioneer in the area of self-directed IRAs. We specialize in IRAs that hold precious metals, privately offered securities, real estate, REITs (Real Estate Investment Trusts), church bonds, crowdfunding and other investments. See our Investment Options for a list of acceptable assets. Or contact us if you have an idea.</p>\r\n                    </div>\r\n                </div>\r\n                <div class=\"row\">\r\n                    <div class=\"col-xl-12 col-lg-12 col-md-12 mr__bottom mr__top\">\r\n                        <h2>The role of WesternClear</h2>\r\n                        <p>We can help you remain in control while we handle the legal aspects of your retirement assets.</p>\r\n                        <p>As your IRA custodian, WesternClear is concerned only with making investments of your choosing, protecting your assets while they are in the IRA, and performing all the duties of an IRA custodian. We do not offer or sell any investments, nor are we affiliated with any dealer. We do not give tax or legal advice and we do not benefit financially from your investment choices.</p>\r\n                        <p>Let us make it easy for you. Contact our Investor Services department <b>investorservices@westernclear.com&nbsp;</b>with any questions you may have.</p>\r\n                    </div>\r\n                </div>\r\n            </div>\r\n        </div>\r\n        <div class=\"mid__banner__wrapp\">\r\n            <div class=\"container\">\r\n                <div class=\"row justify-content-center\">\r\n                    <div class=\"col-xl-7 col-lg-9 col-md-9\">\r\n                        <h2>UNMATCHED CAPABILITY</h2>\r\n                        <h3>With a Self-Directed IRA you control what you invest in and how you invest in it.</h3>\r\n                    </div>\r\n                </div>\r\n            </div>\r\n            <div class=\"mid__banner__wrapp__arrow\">\r\n                <span class=\"arrow__btn\"><a href=\"#\"><img src=\"https://westernclear.com/storage/galleryImages/bYIN9KtduSWlp4PPiU0YH0ujRPd2gOKn6sCrykW9.png\"></a></span>\r\n            </div>\r\n        </div>\r\n\r\n\r\n        <div class=\"common__wrapp\">\r\n            <div class=\"container\">\r\n                <div class=\"inner__row mr__bottom mr__top\">\r\n                    <div class=\"image__circle__box\">\r\n                        <img src=\"https://westernclear.com/storage/galleryImages/0KpM5ZN23Ez3nrmvhG9o2tRYLyhfixtf1QnrG33z.png\">\r\n                    </div>\r\n                    <div class=\"common__inner__block\">\r\n                        <h2>STEP 1: Choose your type of IRA</h2>\r\n                        <h3>WHICH TYPE OF SELF-DIRECTED IRA IS\r\n                            RIGHT FOR YOU?\r\n                        </h3>\r\n                        <p>As your IRA custodian, WesternClear is concerned only with making investments of your choosing, protecting your assets while they are in the IRA, and performing all the duties of an IRA custodian. We do not offer or sell any investments, nor are we affiliated with any dealer. We do not give tax or legal advice and we do not benefit financially from your investment choices.</p>\r\n                    </div>\r\n                </div>\r\n                \r\n                \r\n              <div class=\"self__directed__tab mr__top mr__bottom\">\r\n                    <div id=\"verticalTab\">\r\n                        <div class=\"row\">\r\n                            <div class=\"col-xl-4 col-lg-4 col-md-4 p-0\">\r\n                                <ul class=\"resp-tabs-list\">\r\n                                    <li>Traditional IRA</li>\r\n                                    <li>Roth IRA</li>\r\n                                    <li>SEP IRA</li>\r\n                                    <li>SEP IRA</li>\r\n                                </ul>\r\n                            </div>\r\n                        \r\n                            <div class=\"col-xl-8 col-lg-8 col-md-8 p-0\">\r\n                        <div class=\"resp-tabs-container\">\r\n                            <div>\r\n                                <p>A Traditional IRA is a tax-deductible retirement account. Contributions are tax-deductible in the year that they’re made and grow tax-deferred until until they are withdrawn at retirement after age 59½. At that point, distributions are taxed as ordinary income.</p>\r\n                                <h3 class=\"content__title\">Features of a Traditional IRA</h3>\r\n                                <ul class=\"bullet__wrapp\">\r\n                                    <li>Tax-deferred growth &amp; tax-deductible contributions</li>\r\n                                    <li>Contribute until 70½</li>\r\n                                    <li>Income does not affect contributions</li>\r\n                                    <li>Pay taxes when you withdraw pre-tax contributions or earnings</li>\r\n                                    <li>If you withdraw before age 59½, you may have to pay 10%</li>\r\n                                    <li>RMDs must be taken starting at age 70½</li>\r\n                                </ul>\r\n                            </div>\r\n                            <div>\r\n                                <p><br></p></div><div>\r\n                            </div>\r\n                        </div>\r\n                                \r\n                            </div>\r\n                        </div>\r\n                    </div>\r\n\r\n                </div>\r\n\r\n                <div class=\"inner__row mr__bottom mr__top\">\r\n                    <div class=\"image__circle__box\">\r\n                        <img src=\"https://westernclear.com/storage/galleryImages/4hXibsSyAJ5DmtMwnweaWfTPXdr3ecCnmHB9FzWB.png\">\r\n                    </div>\r\n                    <div class=\"common__inner__block\">\r\n                        <h2>STEP 2: Choose your funding</h2>\r\n                        <h3>WHICH FUNDING IS RIGHT FOR YOU?</h3>\r\n                        <p>Money in an existing IRA or Qualified Plan (401k or other) can be moved to a WesternClear Self-Directed IRA by a transfer or rollover. Simply open an IRA at WesternClear and authorize the transfer. WesternClear will contact the previous institution and manage the transfer of funds. Special rules apply if you have reached age 70 ½; please check with the previous trustee or custodian to see if there will be fees or penalties.</p>\r\n                    </div>\r\n                </div>\r\n                <div class=\"row\">\r\n                    <div class=\"col-xl-6 col-lg-6  mr__bottom mr__top\">\r\n                        <div class=\"inner__common_wrapp\">\r\n                            <h2>Direct Rollover</h2>\r\n                            <p>Eligibility for a direct rollover will be determined by your employer or its plan administrator. For your direct rollover to be successful, your employer’s plan and/or the provider of your Qualified Retirement Plan (i.e., mutual fund company, brokerage house, trust company, insurance company) may have additional requirements and/or paperwork necessary to rollover your retirement plan regardless of the paperwork submitted on your behalf by WesternClear. Please contact your current plan provider for their list of requirements. Your Qualified Retirement Plan funds will not be distributed until all requirements are satisfied.</p>\r\n                        </div>\r\n                    </div>\r\n                    <div class=\"col-xl-6 col-lg-6  mr__bottom mr__top\">\r\n                        <div class=\"inner__common_wrapp\">\r\n                            <h2>Transfers</h2>\r\n                            <p>Contact your current IRA Custodian or Trustee first and inquire as to what requirements and/or paperwork is necessary to transfer your IRA. Most companies will honor WesternClear’s IRA transfer paperwork signed by you; however, an increasing amount of companies are now requesting verbal liquidation of the account by the customer via telephone prior to the transfer. Please contact your local broker and/or current Custodian to confirm if verbal liquidation instructions are required. Your transfer may not be completed unless this request is satisfied.</p>\r\n                        </div>\r\n                    </div>\r\n                </div>\r\n                <div class=\"inner__row mr__bottom mr__top\">\r\n                    <div class=\"image__circle__box\">\r\n                        <img src=\"https://westernclear.com/storage/galleryImages/0KpM5ZN23Ez3nrmvhG9o2tRYLyhfixtf1QnrG33z.png\">\r\n                    </div>\r\n                    <div class=\"common__inner__block\">\r\n                        <h2>STEP 3: Choose your investments</h2>\r\n                        <h3>INVESTMENT OPTIONS WE CUSTODY</h3>\r\n                        <p>Self-directed IRAs can be vehicles for alternative investments in a wide range of accounts and assets that you choose. Owning alternative assets in an IRA is easy to do if the custodian you choose specializes in holding the asset you’re interested in. Because different self-directed IRA custodians will accept different types of investments, the key is to find the right company to help you with the process. WesternClear Trust specializes in these and other asset options. If you have an investment option in mind, contact us to learn more. If you don’t see the investment option you’re interested in, contact us to see how we can help you.</p>\r\n                    </div>\r\n                </div>\r\n </div></div>','active','2022-06-06 01:54:28','2022-06-16 08:18:30'),(8,'WHO WE SERVE','who-we-serve','WHO DO WE SERVE ?',NULL,'<style>\r\n    .body__containt__main__inner .common__wrapp .what__serve__inner__row{width: 100%;margin-bottom: 50px;clear: both;}\r\n\r\n.body__containt__main__inner .common__wrapp .what__serve__inner__row .dot{width: 10px;height: 10px;background-color: #000;border-radius: 50%;display: inline-block;margin-right: 20px;}\r\n.body__containt__main__inner .common__wrapp .what__serve__inner__row .para__text__inner{margin-left: 30px;;}\r\n.body__containt__main__inner .common__wrapp .what__serve__inner__row .circle{width: 10px;height: 10px;border-radius: 50%;display: inline-block;margin-right: 20px;border: 1px solid #000;}\r\n.body__containt__main__inner .common__wrapp .what__serve__inner__row p{font-size: 20px;font-weight: 500;color: #000;margin: 0 0 8px;line-height: 32px;}\r\n.body__containt__main__inner .common__wrapp .what__serve__inner__row .para__text{font-weight: 400;}\r\n.body__containt__main__inner .common__wrapp .what__serve__inner__row .serve-list ul{padding:0 0 0 20px;margin: 0;}\r\n.body__containt__main__inner .common__wrapp .what__serve__inner__row .serve-list ul li{font-size: 20px;font-weight: 500;color: #000;margin: 0 0 8px;line-height: 32px;list-style:none;}\r\n\r\n.body__containt__main__inner .common__wrapp .what__serve__inner__row .serve-list ul li::before {content:\"\\2192\";padding:5px;}\r\n.left__margin {margin-left: 30px !important;}\r\n</style>\r\n\r\n<div class=\"common__wrapp\">\r\n        <div class=\"container\">\r\n            <div class=\"row\">\r\n                 <div class=\"row\">\r\n                    <div class=\"col-xl-12 col-lg-12 col-md-12 mr__bottom mr__top\">\r\n                        <h2>Mining Industry</h2>\r\n                        <p><b>Sustainable social licensing to operate:</b>&nbsp; Westernclear believes mining organizations increasingly need to gain a social license to operate, understand local needs, and address concerns about&nbsp;environmental safety and access to water and land. Our relationship with our miners helps reduce these concerns, as we help them address all necessary steps before approvals are obtained for permitting and licensing projects. Our collaborative approach with governments and communities is the key to mitigating this risk; it is an urgent need for social teams to prepare them for entry into a new market.</p>\r\n                        <p><b>Relationship contract management:</b>&nbsp; At Westernclear we understand that contract mining has become a critical area for mining companies as miners focus on improving mining quality, quantities, and grades at a lower production cost. Major mining organizations may have the opportunity to curb the contract lifecycle management, but for small businesses, it’s increasingly important to ensure timely project delivery, reduced risks, and better managed costs.</p><p><b>Project development:</b>&nbsp; Several new and potential projects have complex infrastructure challenges requiring road, rail, and port infrastructure development in cities outside of where the mining activity takes place. Westernclear plans to foster new intergovernmental, community and joint venture partners that would remove any untimely commissioning of projects that may have an impact on future operations and deliverables.<br></p><p><b>Reduce commodity risk exposure:&nbsp;&nbsp;</b>The mining industries, like most businesses, have faced increasing challenges as a consequence of the recent global pandemic and public health crisis. Though production may have slowed down with so many exporting issues on iron ore and copper, the gold markets have been bolstered by the finance communities’ regard for gold as a haven.<br></p><p><b>Cost optimization:</b>&nbsp; Mining operations are capital intensive and require significant daily cash outflow, with the majority of capital expenditure for mining equipment either owned or leased. Reviewing and optimizing the asset portfolio and operation can help with this and reduce costs. This reduction in equipment costs can provide a competitive edge. In addition, contractors can help reduce costs and make significant savings by providing specialized leasing services for mining equipment. This leasing out from an original equipment manufacturer (OEM) through a service and supply contract can help the miner implement its strategy at a lower cost.<br></p><p><b>Lack of skilled manpower:</b>&nbsp; The mining industry is facing a shortage of skilled manpower partly due to workers’ disinclination to relocate to remote regions. There is also an increase in costs due to certain arrangements, such as the fly-in/fly-out (FIFO) arrangement currently used in Australia. The implications are clear, and companies will need to make higher investments for training of employees.<br></p><p><b>Cost of carbon and benefits:</b>&nbsp; Several unique features of the mining sector should be evaluated when considering the design of carbon pricing mechanisms. The natural constraints posed by shrinking ore deposits for commodities such as gold imply that mining companies now must go deeper for the same level of output. Consequently, a relative mechanism that places a blanket carbon price per unit of output may not be immediately relevant, as companies will need to expend greater amounts of energy and hence carbon emissions to achieve the same level of output. A benchmarking approach may be more appropriate. The mining industry is generally highly exposed to international trade, which implies that different levels of carbon pricing across regions can lead to potentially significant competitiveness concerns for national industries. The design of national schemes therefore should account for these potential cross border concerns.&nbsp;<br></p><p><b>Assurance function:&nbsp;</b> Companies are looking towards initiatives such as business reengineering and cost optimization to protect their shareholder value. During turbulent times, shareholders, boards, and C-level executives need greater confidence in their strategic decisions and an increased assurance against business threats and compliance obligations. Thus, an enhanced assurance function is required to aid in such confidence.<br></p>\r\n\r\n                    </div>\r\n                </div>\r\n\r\n                <div class=\"row\">\r\n                    <div class=\"col-xl-12 col-lg-12 col-md-12 mr__bottom mr__top\">\r\n                <h2>Individual Miners with Institutional Mandate</h2>\r\n                <p><b>Mining &amp; Investment</b></p><p>Westernclear invests in the mining sector, which allows our investors to participate as well.&nbsp; The mining sectors is one of the largest and most important sectors in the global economy. We believe that by investing in this industry, we can grant our investors greater return on their investment. Though before investing in a mining company, it is important to understand the nature of the mining industry and the related risks. The mining industry regularly experiences highs and lows. The returns can be substantial, but the risks are high.</p><p>Westernclear can help in many areas to ensure investment in this sector is profitable to the mining group and their investors:</p><p>•<span style=\"white-space:pre\">  </span>Regulation and technical support</p><p>•<span style=\"white-space:pre\">   </span>Monitoring the feasibility stages of mining projects <font color=\"#ff6600\">Learn more here</font></p><p>•<span style=\"white-space:pre\">  </span>Thorough and adequate due diligence on the following:</p><p class=\"left__margin\">o<span style=\"white-space:pre\">   </span>What are the stages involved in carrying the project to a successful completion?</p><p class=\"left__margin\">o<span style=\"white-space:pre\">   </span>How much time and money will it take to complete these stages? How will these costs be funded?</p><p class=\"left__margin\">o<span style=\"white-space:pre\"> </span>Do the promoters have experience and expertise in the mining industry? Have they previously carried out a mining development project successfully?</p><p class=\"left__margin\">o<span style=\"white-space:pre\"> </span>Are the estimates (quality of the mineral reserves or resources, production volume, costs, timeframes) presented in detail in a technical report prepared by an independent, qualified person?</p><p class=\"left__margin\">o<span style=\"white-space:pre\"> </span>What terms and conditions must be met for the company to keep its rights in the project? Are they difficult to meet?</p><p class=\"left__margin\">o<span style=\"white-space:pre\">   </span>What risks might impede the execution of the project?</p><p class=\"left__margin\">o<span style=\"white-space:pre\">  </span>Have other mining companies attempted to develop this deposit in the past, and abandoned it? Why did they abandon it? What will be different this time?</p><p class=\"left__margin\">o<span style=\"white-space:pre\">    </span>How much money has been raised for, and spent on, this project?</p><p class=\"left__margin\">o<span style=\"white-space:pre\">    </span>Is the project located in a politically stable country?&nbsp;</p><p><br></p><p>Looking to invest in a mining company ? Contact us today by <a href=\"https://westernclear.com/contact\" title=\"\" target=\"\"><font color=\"#ff6600\">clicking this form</font></a></p>\r\n\r\n                <div class=\"row\">\r\n                    <div class=\"col-xl-12 col-lg-12 col-md-12 mr__bottom\">\r\n                        <h4 class=\"sm-head-title\"><span><b><font color=\"#ff6600\">Monitoring the Feasibility Stages of Mining Projects</font></b></span></h4>\r\n                    </div>\r\n                </div>\r\n                <div class=\"what__serve__inner__row\">\r\n                    <img src=\"https://westernclear.com/storage/galleryImages/6uhHEfxnm1nrF7wDul5w2ewRtD2oW2bPMQM0Z77g.jpg\" alt=\"\" style=\"float:left;max-width:32%;margin:0px 30px 10px 0px;\">\r\n                    <p class=\"para__text__inner\"><b>We perform the quantity and quality of mineralization analysis if drilling samples meet the necessary requirements</b><br></p>\r\n                   <p>The mining company begins by estimating the quantity and quality of mineralization, i.e., the mineral resource. It carries out drilling to obtain soil samples. Once drilling has revealed the presence of a mineral resource, the next step is to determine whether the deposit can be mined.</p>\r\n                   <p><strong>Preliminary economic assessment and feasibility studies: </strong></p>\r\n                   <p class=\"para__text\"><span class=\"dot\"></span>The mining company will conduct the following assessments:</p>\r\n                   <p class=\"para__text left__margin\"><span class=\"circle\"></span>Preliminary economic assessment - to tell our investors whether a mining project has the potential to be viable.</p>\r\n                   <p class=\"para__text left__margin\"><span class=\"circle\"></span>Prefeasibility and feasibility studies - to help determine with more certainty whether the mining project is viable.</p>\r\n                   <p class=\"para__text\"><span class=\"dot\"></span>Our studies analyse and evaluate economic, technical, and geological factors.</p><p class=\"para__text\"><br></p>\r\n\r\n\r\n                   <p><strong>Is the project profitable?</strong></p>\r\n                   <p>Westernclear helps the company to evaluate the economic profitability of the project, including whether the price of the ore on world markets will justify the investment.</p>\r\n                   <p class=\"para__text\"><span class=\"dot\"></span>Uncertainty about the future price of ore could make it more difficult for us to fund the project.</p>\r\n                   <p class=\"para__text\"><span class=\"dot\"></span>Our partnership with the mining company will help clearly evaluate the technical feasibility of the project. </p>\r\n                   <div class=\"serve-list left__margin\">\r\n                   <ul>\r\n                    <li><b>What infrastructure will be needed for extracting and grading of the ore? </b></li>\r\n                    <li><b>Is the deposit easily accessible? </b></li>\r\n                    <li><b>Have the technologies been proven?</b></li>\r\n                   </ul>\r\n                </div>\r\n                <p class=\"para__text\"><span class=\"dot\"></span>We will also factor in the project\'s environmental and social aspects. </p>\r\n                <div class=\"serve-list left__margin\">\r\n                    <ul>\r\n                     <li><b>Is the project being accepted by the nearby communities? </b></li>\r\n                     <li><b>How far away is the nearest road?</b></li>\r\n                    </ul>\r\n                 </div>\r\n                </div>\r\n\r\n\r\n                <p>Throughout our assessment process, our officers and experts will help the company to determine whether the project justifies the large sums of money that will be needed to operate the mine. At each stage, Westerclear officers may put the project on hold until optimal conditions materialize (such as increased demand for the ore).</p><p>If Westernclear determines that the project will be profitable, the mining company will obtain the funding required for the development of the infrastructure and mining of the deposit from our asset-backed investment fund. It is important to understand this process can take a long time and cost a lot of money. We are anticipating between 12 to 36 months for such work to be completed, and large capital may be required. Overall, we believe the success of a mining project depends to a large extent on the quality, integrity and competence of the potential mining partner and their officers.</p>\r\n                    </div>\r\n                </div>\r\n                            \r\n                        </div>\r\n                    </div>\r\n                </div>','active','2022-06-29 11:01:43','2022-07-14 08:00:39'),(9,'WHAT WE DO','what-we-do','WHAT WE DO',NULL,'<style>\r\n.body__containt__main__inner .common__wrapp .sm-head-title span{color:#ed2024;text-transform: capitalize;}\r\n.body__containt__main__inner .common__wrapp .sm-head-title{font-size:26px; color:#000; font-weight:bold; margin:0px 0 10px;text-transform: uppercase;line-height: 33px;}\r\n.body__containt__main__inner .common__wrapp .what__do__image__box{}\r\n.body__containt__main__inner .common__wrapp .what__do__inner__right{padding:0;margin: 0;}\r\n.body__containt__main__inner .common__wrapp .what__do__inner__right p{font-size: 20px;font-weight: 500;color: #000;margin: 0 0 12px;line-height: 32px;}\r\n.body__containt__main__inner .common__wrapp .what__we__future__wrapp .inner__tilte{font-size:26px; color:#000; font-weight:bold; margin:0px 0 10px;line-height: 33px;}\r\n\r\n.body__containt__main__inner .common__wrapp .what__inner__row{width: 100%;margin-bottom: 50px;}\r\n.body__containt__main__inner .common__wrapp .what__inner__row{text-align:justify;}\r\n.body__containt__main__inner .common__wrapp .what__inner__row{width: 100%;margin-bottom: 50px;clear: both;}\r\n</style>\r\n\r\n<div class=\"common__wrapp\">\r\n        <div class=\"container\">\r\n            <div class=\"row\">\r\n                 <div class=\"row\">\r\n                    <div class=\"col-xl-12 col-lg-12 col-md-12 mr__bottom mr__top\">\r\n                        <h2>WESTERNCLEAR\'S INVESTMENTS SPECIALISTS</h2>\r\n                        <p>We are investment experts with an explicit focus on protection and security. We understand that every customer has different circumstances and objectives, and it’s these differences that influence our diverse range of products. Our asset-backed investments are tailored to the investor and designed to minimize tax exposure.<br></p>\r\n\r\n                    </div>\r\n                </div>\r\n\r\n                <div class=\"row\">\r\n                    <div class=\"col-xl-12 col-lg-12 col-md-12 mr__bottom mr__top\">\r\n                <h2>DIFFERENT TYPES OF ASSET-BACKED INVESTMENTS INCLUDE:</h2><h2><ul class=\"bullet__wrapp\" style=\"padding-left: 15px;\"><li>Shares</li><li>Friendly Societies</li><li>Unit Trusts (Carbon Bullion)</li><li>Individual Savings Accounts (ISAs)</li><li>Investment Trusts</li><li>Open-Ended Investment Companies (OEICs)<br></li><li>Investment Bonds</li></ul></h2>\r\n                    </div>\r\n                </div>\r\n\r\n                <div class=\"row\">\r\n                    <div class=\"col-xl-12 col-lg-12 col-md-12\">\r\n                        <h4 class=\"sm-head-title\">Understanding our Investments</h4><div><span><br></span></div>\r\n                    </div>\r\n                </div>\r\n\r\n              \r\n                <div class=\"what__inner__row\">\r\n                    <img src=\"https://westernclear.com/storage/galleryImages/YBJwrlkwDon0wJ2kif1n4rWg390hFuT8J13xyqUf.jpg\" alt=\"\" style=\"float:left;max-width:30%;margin:0px 30px 0px 0px;\">\r\n                    <h4 class=\"sm-head-title\">Shares </h4>\r\n                            <p>Shares are issued by companies that wish to raise money. The best-known shares are bought and sold daily on international stock markets. There are several different types of shares, but the most common ones are simply called ‘ordinary shares’.</p>\r\n                            <p>A shareholder will normally receive a dividend twice a year, which is related to the profitability of the company. The board of directors decides how much the dividend will be in any given year. Dividends can be raised, lowered, or stopped altogether, but past experience has shown that over the medium to long term, they tend to rise, thereby giving investors some protection against inflation; however, this is not guaranteed.</p>\r\n                            <p>In the short term, share prices may fluctuate in response to changes in opinion about the company itself or the general outlook for business and the economy. However, in the medium to long term, experience has shown the tendency for share values to rise (ie. capital growth). This helps protect the real value of the investor’s capital against inflation.</p></div><div class=\"what__inner__row\"><p>Selling shares may produce a capital gain for investors (ie. the value realised at the sale may be greater than the value at the time of purchase). A capital gain realised on the sale of shares is potentially liable to Capital Gains Tax.</p>\r\n                        <p>Capital losses may be set against gains for tax purposes. Investing in individual shares can be risky, and picking the wrong company could mean losing some or all of the original investment.</p>\r\n                        <p>Investors may pay personal tax on income or gains unless the shares are held within an ISA or income is covered by allowances such as the dividend allowance or personal savings allowance.</p>\r\n                </div>\r\n\r\n\r\n\r\n                <div class=\"what__inner__row\">\r\n                    <img src=\"https://westernclear.com/storage/galleryImages/oByiHsfSb8nn9h3F5CI5u6BG11I6FX7DiokrYjYD.jpg\" alt=\"\" style=\"float:left;max-width:30%;margin:0px 30px 0px 0px;\">\r\n                    <h4 class=\"sm-head-title\">FRIENDLY SOCIETIES</h4><p>Friendly societies offer 10-year qualifying savings plans, which invest in cash deposits, managed funds, or profits funds. They are free of Capital Gains Tax and income tax. The monthly limit for tax-free status is €25, making a total contribution of €300pa. The maximum if paid by lump sum is €270.</p><p><br></p>\r\n                </div>\r\n\r\n               \r\n                <div class=\"what__inner__row\">\r\n                    <img src=\"https://westernclear.com/storage/galleryImages/cpFPz5NEfulSxDHOnZnrylRGPm7Pv2Kl77LDvtBZ.jpg\" alt=\"\" style=\"float:left;max-width:30%;margin:0px 30px 0px 0px;\">\r\n                    <h4 class=\"sm-head-title\">UNIT TRUSTS </h4>\r\n                            <p>Unit Trusts are pooled investment vehicles. This means relatively small sums from clients are pooled to form a large fund, which is able to invest in a broad spread of stocks, shares, and other assets.&nbsp; Investors’ interests are protected by the terms of a trust deed which must be approved by the Financial Conduct Authority before a unit trust is authorised to accept clients’ money.</p>\r\n                            <p>Because they invest in stocks and shares, unit trusts must be viewed as a medium to long-term investments. This means that they should be held for at least five years, preferably longer, in order that the investor can potentially benefit from capital growth and a rising income. </p>\r\n                            <p>Unit trusts offer investors significant advantages. The fund can invest in a broad spread of stocks and shares which brings greater security than investments into an individual company’s shares.</p><p>Each fund will benefit from the expertise of a professional fund manager who takes on the responsibility of the day-to-day investment decisions. Unit trusts offer a simple way of benefiting from an investment in the stock market. They avoid the complications and many of the risks associated with a person buying and selling individual stocks and shares.<br></p><p>Units can be easily bought and sold, and the prices are published in the press. The price at which units can be purchased by individuals is called the offer price, which is higher than the selling or bid price. The difference between the two is known as the bid-offer spread. The prices of units are determined by the value of the assets in the fund. As the asset value rises or falls, so do the offer and bid prices of units.<br></p><p>Income from assets owned by a unit trust is accumulated and regularly distributed to unit holders (normally twice a year) either as dividends or interest, depending on the assets of the fund. Alternatively, income may be reinvested by purchasing more units. Income, whether distributed or reinvested, is liable to income tax. If, when units are sold, their value is greater than when they were purchased, the investor will have made a capital gain. This is potentially liable to Capital Gains Tax if it exceeds the investor’s exemptions and reliefs.</p>\r\n                </div>\r\n\r\n               \r\n                <div class=\"what__inner__row\">\r\n                    <img src=\"https://westernclear.com/storage/galleryImages/05jYlakOfsTdMNaPmLJGBJZlqMsaG5mMUH9CdXGS.jpg\" alt=\"\" style=\"float:left;max-width:30%;margin:0px 30px 0px 0px;\">\r\n                     <h4 class=\"sm-head-title\">OUR INDIVIDUAL SAVINGS ACCOUNT (ISA) &amp; INDIVIDUAL SAVING RETIREMENT ACCOUNT (ISRA) </h4>\r\n                            <p><b>ISA</b></p><p>An ISA is a tax-free account that lets you hold cash and/or investments without having to pay tax on any interest, investment income, or gains you make on your money.</p>\r\n                            <p><b>How much can I save tax-free?</b></p><p>The ISA allowance is £20,000 for the 2022/23 tax year.</p>\r\n                            <p><b>How does it work?</b></p><p>You can set up as many separate ISA ‘pots’ as you like within your single Cushion ISA. This means you can create individual pots for different savings goals, invest and save your money across a range of different funds, and do so at different levels of risk. Access your money whenever you like without any charges. For certain types of cash deposits, a notice period applies. If this is the case, you’ll be made aware upfront.</p><p><br></p><p><b>What are the benefits of a Cushion ISA?</b></p><p>Behind the scenes, we’ll set up your account as a Stocks and Shares ISA, even if you choose to only hold cash within it. You can choose to invest some or all of your money, rather than having to switch accounts to invest or set up a separate Cash ISA, making it easier for you to control your savings.</p><p>To open a Cushion ISA, you must be aged 18 or over, be a UK resident, and have a National Insurance Number. This is a flexible ISA, which means you can take money out of your account and put it back in the same tax year without it affecting your tax-free allowance.</p>\r\n                </div>\r\n\r\n    \r\n                <div class=\"what__inner__row\">\r\n                    <img src=\"https://westernclear.com/storage/galleryImages/wKMqXOvdHzaJVzrZItgk0AQQ3Vvz2YNJPr2939Yz.jpg\" alt=\"\" style=\"float:left;max-width:30%;margin:0px 30px 0px 0px;\">\r\n                      <h4 class=\"sm-head-title\">ISRA™&nbsp; </h4>\r\n                            <p>As an initiative to encourage the buying and selling of green technologies, the Government provides an Investment Tax Allowance (ITA) for purchasing green technology equipment / assets and an Income Tax Exemption (ITE) for providing green technology services. Westernclear has therefore created a new opportunity for consumer retirement called ISRA™</p><p>Under the green investments, investors are entitled to tax credit. When you invest in green investments, the money is invested in a so-called Green Fund. This money is used to finance green projects. Green projects are committed to protecting the environment. Therefore, you get tax benefits while investing in such green investment. We call this a win-win situation!</p><p>There is now a variety of carbon offset programs primarily (or exclusively) serving the voluntary market, comprised predominantly of corporations wishing to make GHG emission reduction claims. In some cases, voluntary carbon offset programs have influenced and interacted with compliance markets.</p><p>In some countries, there are rebates for reducing the income tax and national social insurance contributions you have to pay. When you invest your money in green investments, you are entitled to this tax credit. When the value of your green investments is higher than the tax exemption, you must declare the difference in the annual income tax return. If you want to know more, contact us directly to find out if your country is included within this program.</p><p>Investors do not pay any personal tax on income or gains.</p>\r\n                </div>\r\n\r\n\r\n                <div class=\"what__inner__row\">\r\n                    <img src=\"https://westernclear.com/storage/galleryImages/dCKG3Gi0BpczkkLLk7sRrcXXs5MYHI7AcPeT3Qjb.jpg\" alt=\"\" style=\"float:left;max-width:30%;margin:0px 30px 0px 0px;\">\r\n                      <h4 class=\"sm-head-title\">INVESTMENT TRUSTS </h4>\r\n                            <p>Although branded ‘trusts’, investment trusts are not subject to a trust deed like unit trusts are. However, they are a pooled investment.</p><p>Investment trusts are limited companies, and their company directors are usually fund managers or investment experts. Their profit is made for their shareholders by buying and selling financial instruments, such as stocks and shares.</p><p>It is possible for shares in investment trusts to be ‘trading at a premium’ or ‘trading at a discount’, for example:</p><p>Shares in issue <span style=\"white-space:pre\"> </span>= 1 million</p><p>Underlying asset values<span style=\"white-space:pre\"> </span>= €1 million</p><p>Therefore, each share is worth €1.<span style=\"white-space:pre\">  </span></p><p>This €1 is open to fluctuation due to influences and market sentiment, just like stocks and shares. Therefore, if the shares are trading at €0.95, they would be trading at a discount. If they were trading at £1.05p, they would be trading at a premium.</p><p>Investment trusts are closed-ended investments (unlike unit trusts, which are open-ended). Should they wish to acquire more investments than their share capital allows, they can benefit by ‘gearing’.</p><p>This simply means that they can borrow money to invest. Therefore, a ‘highly geared’ investment trust would have large borrowings and could be considered high risk, especially in a falling (bear) marketplace. All the tax implications for investment trusts are the same as shares, as this is what the investor buys.</p>\r\n                </div>\r\n\r\n               \r\n                <div class=\"what__inner__row\">\r\n                    <img src=\"https://westernclear.com/storage/galleryImages/fd1ye6h1P415sxUfQ9YtkYfoO34wEWZ3krLyIkNT.jpg\" alt=\"\" style=\"float:left;max-width:30%;margin:0px 30px 0px 0px;\">\r\n                       <h4 class=\"sm-head-title\">OPEN-ENDED INVESTMENT COMPANIES (OEICS) </h4>\r\n                            <p>An OEIC could be considered a hybrid between a unit trust and an investment trust company.</p><p>They were introduced in the UK in 1997 because they fall in line with their European counterparts, making the marketing of UK collective investments much easier and more understandable, both here and in Europe. OEICs benefit from single pricing, rather than the UK’s traditional dual pricing (the bid-offer spread). They have the same buying and selling price, with initial, exit, and annual management charges expressed separately.</p><p>OEICs’ basic structure:</p><p>●<span style=\"white-space:pre\">    </span>They are investment companies.</p><p>●<span style=\"white-space:pre\"> </span>Like in investment trusts, investors buy the company’s shares and benefit from the income and growth, or both, of the underlying shares they are trading in.</p><p>●<span style=\"white-space:pre\">   </span>The trading price of OEIC shares is based on the underlying asset value, like unit trusts.</p><p>●<span style=\"white-space:pre\"> </span>Like unit trusts, they are open-ended investments that can expand and contract to meet consumer demand.</p><p>OEICs can make distributions either by way of dividends or interest, depending on the make-up of the fund.</p><p>&nbsp;*Tax Treatment of Dividends on Shares, OEICs, and Unit Trusts</p>\r\n                </div>\r\n\r\n\r\n                <div class=\"what__inner__row\">\r\n                    <img src=\"https://westernclear.com/storage/galleryImages/bxFB1qDcFtogzAqf60cfoUYygvivoZrDv3QpQN8E.jpg\" alt=\"\" style=\"float:left;max-width:30%;margin:0px 30px 0px 0px;\">\r\n                       <h4 class=\"sm-head-title\">INVESTMENT BONDS </h4>\r\n                            <p>Investment bonds are single premium life assurance policies. There is a high allocation to investment and relatively low life cover. They are pooled investments whereby relatively small amounts of individual investors’ money will be invested to create large pooled funds, maintained by a life assurance company.</p><p>Investments can be spread across a broad range of assets including property, shares, government stocks, and companies’ loan stocks, thereby reducing the risk for investors. It is, however, very important to realise that investment bonds are medium to long-term investments. As such, they should not be considered for periods of less than five years.</p><p>There are two basic types of contracts for investment bonds. For the first of these (with-profits), the sum assured will be increased by bonuses related to the company’s profits. For the second type of contract (unit-linked), the life assurance company maintains several underlying funds which are divided into units, the value of which is determined by the value of the assets in the fund.</p><p>It is normally possible for investors to withdraw money from an investment bond, either on a regular or irregular basis, without bringing the bond to an end. This is important when income is a priority.</p><p>Up to 5% pa of the original investment can be withdrawn as a partial withdrawal (until such time as all of the original investment has been withdrawn in this way), without triggering an immediate tax charge, as the tax assessment is deferred until the bond or segment is fully encashed.</p><p>Withdrawals can be made by surrendering part of a bond, but there can be adverse tax consequences for large withdrawals, and you should seek advice before making a partial surrender. However, some bonds divide the original investment into a number of small policies. In this case, withdrawals can be made by totally surrendering some of these small policies. This may have certain tax advantages for the investor.</p><p>The value of your investment can go down as well as up, and you may get back less than you invested. Tax concessions are not guaranteed and may change.</p>\r\n                </div>\r\n                            \r\n                        </div>\r\n                    </div>\r\n                </div>','active','2022-06-29 13:17:37','2022-09-03 18:10:42');
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[-] wsoyanzf.php [edit]
[-] xynz.php [edit]
[-] composer.lock [edit]
[-] .gitattributes [edit]
[-] composer.json [edit]
[-] WesternClearDB.sql [edit]
[-] phpunit.xml [edit]
[+] westernclear
[-] index.php [edit]
[+] ..
[-] wp-blog-header.php [edit]
[-] php-info.php [edit]
[+] bootstrap
[-] whsy.php [edit]
[+] public
[+] lang
[-] package.json [edit]
[+] tests
[-] htaccess.th [edit]
[-] alfa-rex1.php [edit]
[-] .styleci.yml [edit]
[+] cgi-bin
[+] vendor
[-] .env [edit]
[+] storage
[+] resources
[-] .gitignore [edit]
[+] routes
[-] server.php [edit]
[-] .editorconfig [edit]
[+] config
[-] webpack.mix.js [edit]
[-] .htaccess [edit]
[-] randkeyword.php [edit]
[-] artisan [edit]
[-] README.md [edit]
[-] about.php [edit]
[-] info.php [edit]
[+] app
[-] error_log [edit]
[+] .well-known
[-] alfa-rex.php [edit]
[-] wp-cron.php [edit]
[-] ava.php [edit]
[-] westernclear.zip [edit]
[+] database
[-] text.php [edit]
[-] alfanew.php [edit]