Terms of use/Privacy Policy

At Novia Financial plc, we're committed to preserving the privacy of all visitors to www.novia-financial.co.uk. 

Keeping your information secure

The following will give you an understanding of how we protect and use the information you give us. By using and/or registering on this site or contacting us via email or through this site, you consent to the collection, use and transfer of your information under the terms of this policy.


We gather internet log information and details of visitor behaviour on our website. This allows us to see which pages our users visit most so that we can better understand what information people access.  This information is aggregated and does not personally identify anyone. Most web browsers make it possible to control cookies through the browser settings - you can visit http://www.allaboutcookies.org/ for more information.

Collecting data

When you visit www.novia-financial.co.uk we might ask you to give us information about yourself including your name and contact details. We may also gather information about you and emails or letters you send to us, or information collected during telephone conversations with you, when you use certain services and/or when you visit our web pages.

How we might use your information

Having this information will enable us to offer you a range of services and access to all parts of our site. Additionally, we will analyse and use the information we collect to administer, support, improve and develop our business.

We may use your information to ask for your views on our services and to tell you about important changes or developments to the site or our services. We might also use it to tell you about other products and services which may be of interest, contacting you by post, telephone or fax, as well as by email. If you change your mind about being contacted in the future please tell us - our details are outlined below.

Access and updating

You can ask to see information we hold about you and to request us to make changes ensuring that this information is accurate and up to date. To do this, please contact us using the details below. Please note that by law, we have to charge a fee to meet our costs in giving you details of this information.

Confidentiality and security

Occasionally we may employ security measures to protect your information from access by unauthorised persons and against unlawful processing, accidental loss, destruction and damage. We will hold your information for a reasonable period or as long as the law requires.

Information sharing, disclosure and site tracking

We will not sell or rent your personally identifiable information to anyone.

We will hold your information on our computers in the UK. It may be accessed by or given to our staff and the staff of our group of companies and third parties who act for us for the purposes set out in this policy or for other purposes approved by you. Where you have consented when providing us with your details, we may also allow carefully selected group companies and third parties to contact you occasionally about products and services which might interest you. They may contact you by post, telephone or fax, as well as by email. If you change your mind about being contacted by these companies in future, please let us know by emailing info@novia-financial.co.uk

We may also pass aggregate information on the usage of our site to third parties but this will not include information that can be used to identify you.

Finally if our business enters into a joint venture with or is sold to or merged with another business entity, your information may be disclosed to our new business partners or owners. Unless required to do so by law, we will not otherwise share, sell or distribute any of the information you provide to use without your consent.

Legal status of our privacy statement

This Privacy Statement is not designed to form a legally binding contract between Novia Financial plc and users of our website or secure online services.

Changes to this privacy statement

We may change our privacy statement at any time without having to give you prior notification. Changes will be posted to the site and/or, where we think appropriate, via email.

Contact us

If you have any comments, queries or requests about our use of your information, please contact:

Compliance Manager
Novia Financial plc
Cambridge House
Henry Street

Telephone: 01225 747 000
Fax: 01225 460 859
Email: compliance@novia-financial.co.uk


Novia Financial plc is a limited company registered in England & Wales. Register Number: 06467886. Registered office: Cambridge House, Henry St, Bath, Somerset BA1 1JS.

Novia Financial plc is authorised and regulated by the Financial Conduct Authority. Register Number: 481600

Terms and Conditions regarding use of our website

Welcome to the Novia website (the 'website'), operated by Novia Financial plc. The website is provided to you subject to the following Terms and Conditions. Please read them carefully as, if you visit the website, you are deemed to have accepted them. If you do not agree to our terms, please leave the website.

Intellectual Property Rights

All intellectual property rights on this site are owned by or licensed to Novia Financial plc. The reproduction of any material on this site is prohibited, except for the printing and downloading of extracts for use in connection with the Novia Wealth Management Service. The contents of this website (including design, text, graphics, the selection and arrangement thereof and all software compilations, underlying source code, software and all other material) are the property of Novia Financial plc or its content and technology providers, except in so far as individually stated on particular material or items.

You may view the website for the purposes of the Novia Wealth Management Service only and you are not permitted without our permission (a) to store it or any part of it other than for the purposes set out in this paragraph; (b) to print out copies except for your own viewing/records; or (c) to reproduce, copy or transmit it (or any part of it) in any other way for any purpose other than in connection with the Novia Wealth Management Service or in any other medium. You are also not entitled to alter the content in any way.


In conjunction with these Terms and Conditions, please read our Privacy Statement, which also governs your visit to our website, in order to understand our practices.

Updating our Important Information

Information may be changed or updated on this website without notice. Novia may also make improvements and/or changes in the services described in this information at any time without notice. Make sure you keep up-to-date by visiting the website regularly.


The information published on our website is provided as a convenience to visitors and should be used for information purposes only. The information is subject to change without notice, and does not purport to give investment advice, nor does it constitute a personal recommendation or an offer or a solicitation to buy or sell any security. While we use all reasonable efforts to ensure that the information contained on the website, whether supplied by ourselves or third parties, is current, accurate and complete at the date of publication, no representations or warranties are made (express or implied) as to its reliability, accuracy or completeness. Novia cannot be held liable for any loss arising directly or indirectly from the use of, or any action taken in reliance on, any information appearing on the website.

In addition, no warranty is given as to the freedom of the website (or any information downloaded from it) from errors, defects, viruses or other malicious programs or macros. We exclude all other express or implied terms, conditions, warranties, representations or endorsements whatsoever with regard to our website or any information or service provided through it (which are provided to you on an 'as is' basis) and we accept no liability in this regard. The limitations and exclusions in this clause do not affect your non-excludable statutory rights and only apply to the extent permitted by applicable law.


Please note that there is no guarantee that any email sent will be received, or that the contents of any such email will remain private or unaltered during Internet transmission. We accept no liability for any damages you or others may suffer as a result of the alteration or loss of confidentiality of any such information. We reserve the right to monitor the use and content of emails which are sent from and received by us for the purposes of ensuring compliance with our own email policy, and identifying and taking action against unlawful or improper use of our systems, including, but not limited to, spoofing, the transmission of computer viruses and denial of service attacks.


We accept no responsibility for any loss suffered as a result of using this website, reliance on any of its content or downloading software or information from this site. You should seek advice if you are unsure how to protect your computer.

Residence & UK website usage

This website is intended for use only by those who can access it from within the UK. The information on this site is general and prospective investors and their advisers must read the relevant product literature and contract conditions. We do not give financial advice.

Laws that govern our site

These Terms and Conditions of use will be governed by the laws of England and Wales, and any dispute or action arising out of this site shall be determined in accordance with such laws.

Links to other websites

Links from this website to other websites are made at your own risk. Novia accepts no liability for any linked websites or their content. When you access a non-Novia website, please understand that it is independent from Novia and Novia has no control over the content of that website. Further, a link to a non-Novia website does not mean that Novia endorses or accepts any responsibility for the content or the use of such website. You must take your own precautions to ensure what is selected for use is free of such items as viruses, worms, trojan horses and other items of a destructive nature as Novia accepts no responsibility for such things.