How we use your data

When you sign up we collect information from you in a few stages. Firstly, we collect your email address and a chosen password. We need these to establish your identity and a verified means of communicating with you.

At this stage we also collect your consent for a few, separate, items:

At this point we’ll confirm your email address and you’ll be able to access the site. As we provide financial advice we are required by our Regulator, the Financial Conduct Authority to store some essential information about who you are and whether you’re qualified to receive our advice. You will be prompted to enter this information every time you log in until it has been provided, at which point more features will open up for you. We collect your:

These are all necessary to confirm your identity and to demonstrate to the FCA that you have an appropriate level of financial acumen or third-party advice, to understand how to safely use the information available on our website. We may from time to time be required to perform spot-checks that this information is accurate and up to date. We don’t share these details with anyone else unless required to by law, though we will also use your name to personalise your experience and may need to share this (and your email address) with third party email service providers, who are in turn bound to keep this information confidential. We currently use MailChimp for sending essential updates en masse, and for the occasional updates. You can follow these links to read their Privacy Policy and Terms. Alerts sent as and when a rating is published are automatically sent by our own systems. When you sign up your name and email address are sent to MailChimp, along with your email preferences.

Once you have signed up you may want to take up a paid subscription. In order to do this we will need to take some payment information from you. We don’t process the payments ourselves – this service is provided for us by another third party service provider, Braintree. Braintree is an established payment processor and is owned by PayPal. We don’t store any information about the payment other than that you made it, when you made it, how much it was for and what service it was for. Any card/bank details are held securely by Braintree. In Braintree we can see your name, the details of your transactions with us and some information about your payment method (card type, issuing bank, expiration date, an incomplete card number) but we can’t see your full card number or your CVV code.

As you use the site certain browsing information is automatically logged. Our web server software logs every page requested. If you came to the page by clicking on a link then the page that link was on (the ‘referring’ URL) is stored. These server logs are a common, almost universal, feature of using the web and they allow us to investigate certain performance or security issues, as well as telling how popular different parts of our site are and how people are finding us. It also gives us a record of who we have shown each rating to, which is important for regulatory purposes.

As you use the site there are a few features you might take advantage of that require us to store further information: My Watchlist, My Ratings, My Portfolio, and the interactive ‘Agree/Disagree’ feature on each rating.

We use Google Analytics to monitor the performance of our website. This gives us statistics around how many people visit, how long they stay, what pages they view, how they found us, etc. Individual-level browsing data, similar to that provided by our server and internal logs, is available but in an anonymised form that we cannot link to an individual.

Disclaimer

Your capital is at risk when you invest in shares and debt securities. You can lose some or all of your money and may not be able to realise your investment. Therefore you should should never invest more than you can afford to lose. If in doubt about the suitability or tax implications of any investment, please seek independent financial advice. 

Information published on this website and any other reports or ratings published on CrowdRating.co.uk or by Wheatfromchaff Limited (trading as Wheatfromchaff) have been prepared by us in the United Kingdom for information purposes only. Wheatfromchaff Ltd is Authorised and Regulated by the Financial Conduct Authority FRN: 751017. 

No content on this website or on any reports or ratings published on this website nor any copy of it, nor any other reports or copies of them published on CrowdRating.co.uk may be reproduced, redistributed or copied in whole or in part for any purpose. Any and all reports have been approved by, and are being distributed in the UK and the European Union (EU) only and are not to be distributed in any other jurisdictions where their distribution may be restricted by law and persons into whose possession this or any other reports come should inform themselves about and observe such restrictions.

This report and any other reports published on CrowdRating.co.uk do not constitute an offer or a solicitation to buy or sell any securities referred to herein. It should not be so construed, nor should it or any part of it form the basis of, or be relied on in connection with, any contract or commitment whatsoever. The information on this website or in reports or ratings published by Wheatfromchaff, or on which this or any other reports are based, has been obtained from sources that Wheatfromchaff believes to be reliable and accurate, and in accordance with COBS 2.4 of the FSA Handbook we have verified it to the best of our ability. However, it has not been independently verified and no representation or warranty, express or implied, is made as to the accuracy or completeness of any information obtained from third parties. The information or opinions are provided as at the date of this report or any other report publication dates and are subject to change without notice. The information and opinions provided in this and any other reports take no account of the investors/ individual circumstances and should not be taken as specific advice on the merits of any investment decision. Investors should consider any or all of the reports or ratings we publish as only a single factor in making any investment decisions.  

Wheatfromchaff does not accept any liability whatsoever for any direct or consequential loss however so arising, directly or indirectly, from any use of this report nor its contents. Investors may receive back less that they invested as investments may fall as well as rise in value. Investors should obtain independent advice based on their own circumstances before making investment decisions. By accepting this report you agree to be bound by the foregoing limitations.

The Ratings we publish have been approved and issued at Financial Promotions in the United Kingdom by Wheatfromchaff in the United Kingdom who is Authorised and Regulated by the Financial Conduct Authority FRN: 751017. Wheatfromchaff Limited registered office is Kilver Court, Kilver Street, Shepton Mallet, Somerset, BA4 5NF and telephone number +44 (0) 1749 344 888. Telephone calls may be recorded. VAT No: 214 0196 49

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