Terms of Use

This website is aimed at UK residents only.
This website is approved by the Whitechurch Network Ltd (authorised and regulated by the Financial Conduct Authority). All contents of the website are deemed to be correct as at the last site update. We have made great efforts to ensure the accuracy of the information provided and do not accept any responsibility for errors or omissions. This website is intended to provide helpful information of a general nature and the contents are not suitable for everyone. We strongly recommend that you take appropriate professional independent advice before entering into any obligations or transactions.
If you have any queries or are unsure as to the suitability of any of the products featured on our website, please send an email to info@umbrellaFS.co.uk or call on 02381 780484.
If you access the Umbrella Financial Services website you agree to be bound by the conditions contained in this legal message and further agree that the courts of England and Wales shall have exclusive jurisdiction in respect of any dispute arising from this legal message.
The copyright in this material contained in the Umbrella website belongs to Umbrella Financial Services. All rights reserved. Except solely for your own personal and non commercial use. No part of this website maybe copied, performed in public, broadcast or adapted without the prior written permission of Umbrella Financial Services. Umbrella assumes no responsibility for the contents of any other website to which Umbrella’s website has links.
To the extent permitted by law, Umbrella shall not be liable to any person for any loss or damage which may arise from the use of any of the information contained in this website.
The material contained in this website is a guide only, it is not intended as a recommendation to buy, sell or hold any securities and does not constitute an offer to sell or the solicitation of an offer to buy any securities.


This site uses Cookies to anonymously track your visit. This information is used to see what pages and articles are more popular so we can then write more to keep our visitors coming back.

The cookies that are used by Google Analytics to track your visit are:

Name Description Expiration
__utma This cookie is typically written to the browser upon the first visit to the site. This cookie is used to determine unique visitors to the site and it is updated with each page view. Additionally, this cookie is provided with a unique ID that Google Analytics uses to ensure both the validity and accessibility of the cookie as an extra security measure. 2 years from set/update.
__utmb This cookie is used to establish and continue a user session with the site. Each time a user visits a different page, this cookie is updated to expire in 30 minutes, thus
continuing a single session for as long as user activity continues
within 30-minute intervals. This cookie expires when a user pauses
on a page on the site for longer than 30 minutes.
30 minutes from set/update.
__utmz This cookie stores the type of referral used by the visitor to reach your site, whether via a direct method, a referring link, a website search, or a campaign such as an ad or an email link. It is used to calculate search engine traffic, ad campaigns and page navigation within your own site. The cookie is updated with each page view to your site. 6 months from set/update.


Additionally if you leave a comment on the site 3 cookies are used. This is purely a convenience, so that you won’t need to re-type all your information again when you want to leave another comment. Three cookies are set for commenters:


The commenter cookies are set to expire a little under one year from the time they’re set.

If you are lucky enough to have a login to the website then WordPress uses the wordpress_### cookie to store your authentication details. It’s use is limited to the admin area,

After login, wordpress sets the wordpress_logged_in_### cookie, which indicates when you’re logged in, and who you are, for most interface use.

WordPress also sets a few wp-settings-{time}-### cookies. This is used to customize your view of the admin interface, and possibly also the main site interface.

Finally whether you chose to accept cookies or not we use a cookie to store your choice so we don’t keep showing you the message everytime you visit the site. If you would like to view the message gain to change your mind then simply delete your cookies form your browser.