Cookies & Privacy Policy

By using our site you accept the terms of our privacy policy below.

The website (the “Site”) is operated by JM IFA, a company registered in Scotland with a Company Number SC473934, Registered office 1 Randolph Cliff, Edinburgh, Midlothian, EH3 7TZ (“we” or “us”).

We are committed to preserving your privacy. Please read the following privacy policy (the “Privacy Policy”) to understand how we use and protect the information that you provide to us.

By using the Site you consent to the collection, storage, use and transfer of your information under the terms of this Privacy Policy.

What information do we collect? We may collect, store and use the following kinds of personal information:-

  • Information that you provide when you fill in our feedback form on the homepage;
  • Information that you provide to us when you e-mail us,
  • Information about your computer and about your visits to and use of the Site (including your IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views, and website navigation).


This site uses cookies. You can disable the cookies that we attach if your browser supports this. For further information on how to do this, please refer to

We use Google’s Analytics service to gather anonymous traffic statistics when you visit our website. Google use several cookies for this purpose. No personal information about you is stored, apart from the IP address that you are using.

Third party cookies

If this site has code from a Third Party site, the Third Party site may set Third Party cookies on your computer:

  • if the page with the code is viewed, e.g. Google Analytics, YouTube or
  • if you click the link to the Third Party site e.g. Facebook, Twitter, Google +1, LinkedIn, Vimeo, AddThis.

The intrusion level of Third Party cookies may vary and you should check their Privacy Policies for more details.

Using your personal information

Personal information submitted to us via the Site will be used for the purposes specified in this Privacy Policy or in relevant parts of the Site. We may use your personal information to:-

  • administer the Site;
  • improve your browsing experience by personalising the Site;
  • enable your use of the services available on the Site;
  • send you email notifications which you have specifically requested;
  • address enquiries and complaints made by or about you relating to the Site;
  • to analyse the information we collect so that we can administer, support and improve and develop the organisation and the services we offer;
  • for all other purposes consistent with the proper performance of our operations and business; and
  • to contact you for your views on our services. We may contact you by post and by e-mail. If you change your mind about being contacted in the future by any of these means then please let us know.

We will not provide your personal information to any third parties for the purpose of direct marketing.


The information you provide to us will be treated as confidential. However, we may disclose your information to other third parties who act for us such as our employees, agents, or partners (such as product providers) as necessary for the purposes set out in this policy or for purposes approved by you. Unless required to do so by law, we will not otherwise share, sell or distribute any of the information you provide to us without your consent.

Security of your personal information

We will take reasonable technical and organisational security precautions to prevent the loss, misuse or alteration of your personal information. We will store all the personal information you provide on our secure (password protected) systems. Data transmission over the internet is inherently insecure, and although we will take the reasonable security measures outlined above we cannot guarantee the security of data sent over the internet. Please help us keep our records secure and updated by informing us of any changes to your e-mail address and other contact details.

Policy amendments

We may update this Privacy Policy by posting a new version on the Site. You should check this page occasionally to ensure you are happy with any changes and any substantial changes will be highlighted on the Site. We may also notify you of changes to our Privacy Policy by email.

Your rights

You may instruct us to provide you with any personal information we hold about you. Provision of such information:-

  • may be subject to payment of a nominal fee; and/or
  • will be subject to your provision of evidence of your identity (for this purpose, we will accept a photocopy of your passport certified by a solicitor or bank plus an original copy of a utility bill showing your current address).

We may withhold such personal information to the extent permitted by law.

Third party websites

Because we want your experience of our Site to be as informative and useful as possible, we may provide links to websites operated by third parties (“Third Party Websites”). Please be aware that we do not control such Third Party Websites and that such Third Party Websites may send their own cookies to users, or otherwise collect data or solicit personal information. We assume no responsibility for the information gathering practices of Third Party Websites that you are able to access through our Site, and we encourage you to review each Third Party Website’s Privacy Policy before disclosing any personally identifiable information.

Updating information

Please let us know if the personal information which we hold about you needs to be corrected or updated. If you have any questions about this Privacy Policy or our treatment of your personal information, please write to us by email to

Data controller

The data controller responsible in respect of the information collected on this Site is the Managing Director of JM IFA Ltd.

Legal Information

Our Client Agreement and Key Facts about our services and costs will be provided to the client prior to business being transacted so that the relationship between the client and the firm is clearly stated and understood. This will normally take place at the first meeting.

JM Independent Financial Advisers (IFA) Ltd. is authorised and regulated by Financial Conduct Authority. FCA Registration No. 625327.

JM Independent Financial Advisers (IFA) Ltd. is registered in Scotland, Registered No. 473934, Registered Address 1 Randolph Cliff, Edinburgh, Midlothian, EH3 7TZ.

The value of your investments can go down as well as up and you may not get back the original amount invested.

The guidance contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

Some forms of tax planning are not regulated by the Financial Conduct Authority.