Terms & Conditions

Welcome to our website. If you continue to browse and use this website, you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy, govern The ISA Consolidator's agreement with you in relation to this website. If you disagree with any part of these terms and conditions, please do not use our website.

The term 'The ISA Consolidator' or 'us' or 'we' refers to the owner of the website which is a trading name of The Pension Drawdown Company whose registered office is Rockwood House, Parkhill Road, Torquay TQ1 2DU. Our company registration number is 3871848 registered in England and Wales. The term 'you' refers to the user or viewer of our website.

The use of this website is subject to the following terms of use:

The content of the pages of this website is for your general information and use only. It is subject to change without notice.
The information contained within this website does not constitute financial, professional, tax or investment advice. To confirm the suitability of any product or service for you, or to obtain any further information you may require, you should consult an independent financial advisor, who will be entitled to charge a fee for their advice.
The ISA Consolidator does not provide advice or individual recommendations and you must make your own investment decisions as to whether to transfer your ISAs.
Post transfer, you are free to make changes as you wish, however these will also be non-advised and we are not responsible for any changes you make to your ISA. Any advice received from third-party advisers is obtained by you independently of The ISA Consolidator and will be separate to these Terms and not form part of any contractual or other legally binding arrangements between you and The ISA Consolidator.
To be an ISA Consolidator client you must be at least 18.
We are required to verify your identity, when you join us, and periodically thereafter. When we do this, we may use your personal data (as that phrase is used in and defined by European law) to carry out electronic searches on private and public databases. We will keep records of the information we obtain, when we do this. We may use credit reference agencies, and they will record the fact that an enquiry has been made. You accept that we may do each of these things, and that our use of credit reference agencies will generate a record of this kind. In some cases, we may need to ask for additional information or documents from you. If this happens, we will send you a request and you agree to provide us with the information and documents we ask for within a reasonable period. You accept that if you do not do this, we may not be able to engage with you as a client.
We are also obliged to comply with the Money Laundering Regulations. To do that, we may occasionally need to ask for evidence that your wealth is from a legitimate source. With income payments made to you, the ISA provider may ask for evidence of the destination bank account, for example, a copy of your bank statement. If we make what we regard as a reasonable request for these purposes, you agree to comply with it.
The ISA Consolidator does not hold clients’ funds
This website uses cookies to monitor browsing preferences. If you do allow cookies to be used, the following personal information may be stored by us for use by third parties: Google & Statcounter.
Whilst we have taken every reasonable care in the preparation of the content of this website, neither we, nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.
Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.
This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.
All trade marks reproduced in this website which are not the property of, or licensed to, the operator are acknowledged on the website.
Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offence.
From time to time this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s) that are not under our direct control.
We cannot guarantee that any email sent to us will be received or that the contents of the email will remain confidential during internet transmission.
We are authorised and regulated by the Financial Conduct Authority and we will promptly respond to any complaints that you may have. All contact details are on the website as well as in these terms. We are also covered by the Financial Services Compensation Scheme, which provides protection of your investments up to a certain amount.
Your use of this website and any dispute arising out of these terms of use, its subject matter and its formation, are governed by English law. You and we both agree that the courts of England and Wales will have non-exclusive jurisdiction. However, if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.

Fees

Initial: There is no initial fee

For example: based on a portfolio value of £100,000, The total fee for the month would be a 12th of 0.55% [(£100,000*0.0055)/12] which is £45.83

Detailed Breakdown of Fee structure:

The ISA Consolidator’s fee: 0.1% per year. It is deducted monthly based on the plan value at the time.

For example: based on a portfolio value of £100,000, The ISA Consolidators fee for the month would be a 12th of 0.1% [(£100,000*0.001)/12] which is £8.33

The levels at which the discounts apply increase each year on the plan anniversary in line with the Retail Prices Index (RPI). The discount applies to the entire Core Investments and is added each month (1/12th of the yearly discount).

The ISA Consolidator reserves the right to change it’s charging structure and will notify you in advance of any changes being made

Exit fees: The ISA Consolidator has no exit fees or penalties should you choose to transfer away.

What happens if you have a complaint?

If you are unhappy with the service you have received or a product we have arranged on your behalf, a copy of our complaints procedure, which sets out how we will handle your complaint, is available upon request.

If you would like to make a complaint please contact us either in writing to: Complaints, The Pension Drawdown Company, Rockwood House, Princes Point, Parkhill Road, Torquay TQ1 2DU or by e-mail: enquiries@isa-consolidator.co.uk; or by telephone: 01803 211214.

Further information about the FOS is available from their website: www.financial-ombudsman.org.uk or by calling them on 0800 0234567