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HPB MANAGEMENT LIMITED


PRIVACY POLICY

Aim

This Privacy Policy explains how HPB Management Limited ("HPBM") will collect, store and use the personal data you supply and how HPBM will monitor use of our websites. Personal data is information which relates to identifiable living individuals.

It is HPBM's stated policy that we will act in accordance with current legislation and aim to meet current best practice with regard to the processing of personal data.

This Privacy Policy does not cover links within any of our websites to other external websites.

Collection of Personal Data

In using any of our websites you may provide certain personal data to HPBM which we will compile and process in accordance with this Privacy Policy.

Use of Personal Data

The names and addresses of investors in the Holiday Property Bond or those enquiring about it are never passed or sold to any unrelated third parties.

Investors in the Holiday Property Bond will receive regular information (by letter, email, SMS, telephone and/or otherwise) from HPBM concerning the Holiday Property Bond’s properties and your investment in and holidays with the Holiday Property Bond and related matters. As an enquirer you will receive information (by letter, email, SMS, telephone and/or otherwise) from HPBM about the Holiday Property Bond and information which we believe may be of interest to you in considering the Holiday Property Bond.

The names and addresses of investors or enquirers are only passed to our associate companies, including HPB Travel Club Limited, Stately Holiday Cottages Limited, Signature Holidays Limited and Lantern & Larks Limited. These companies may then send information (by letter, email, SMS, telephone and/or otherwise) relating to travel services, rental properties, other holiday opportunities and any other offers which they believe may be of benefit to investors in or enquirers about the Holiday Property Bond. If, however, you do not wish to continue receiving such communications, you should use the contact details below and your name will be removed from the appropriate list:

James Boyce, Managing Director, HPB Management Limited, HPB House, Newmarket, Suffolk, CB8 8EH or email privacy@hpb.co.uk

Storage and Collection of Personal Data

HPBM will retain any personal data it holds unless and until you tell us that you no longer wish us to retain it. We are obliged to supply you, on request, with a copy of any personal data we hold about you. If you wish us to erase any personal data we hold or see a copy of the personal data, please contact James Boyce at the above address or email for more details. Should you discover any inaccuracies in your personal details, please notify us as soon as possible at the same address or email and we will correct those details. Where data is no longer required, we will ensure that it is disposed of in a secure manner.

Cookies - General Information

Cookies are tiny text files stored on your computer when you visit certain web pages.They cannot harm your computer, but they can make web surfing easier by saving your preferences. They do not tell us your individual identity unless you have chosen to provide it.


OUR USE OF COOKIES

On all our websites

We use Google Analytics to help analyse how visitors use our websites. We specifically use _utma and _utmz which provide us with completely anonymous information. We also use cookies to remember selections or preferences you have already made.

On our "Bondholder" Only Section

If an investor ("Bondholder") chooses "remember me" when logging in to the Bondholder only section of our website hpb.co.uk we store an encrypted user name and password cookie on the user's machine. This will be referred to the next time they visit hpb.co.uk and wish to log in to the Bondholder section.

On our Public Websites

We use cookies to identify visitors to Insight Online who have previously provided us with their name and address and subsequently log in to this site. This then allows us to track the pages they are visiting and offer them further information and help in the most efficient manner.

On all our public websites we may use cookies written by Google which allow us to show HPB advertisements to previous visitors to one of our websites when they browse other websites on the internet. Further information on Google remarketing can be found here.

We also use cookies which tell us which of our websites the user first visited. In other words, if a user has visited one of our websites, but then goes away and comes back to another of our websites, we can track the first site they visited.

General

You can choose to refuse cookies or tell your browser to let you know each time that a website tries to set a cookie. However, refusing cookies may mean some sections of our websites will not work properly.

For more information about cookies (including how to turn them off) please visit www.allaboutcookies.org.

Policy last updated 19/02/2013
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HPB CORPORATE STRUCTURE

Trusted

Five companies outside the HPB Group also play a key role in the management of HPB:

HSBC Trustee (Guernsey) Limited, whose ultimate parent is HSBC Holdings Plc, controls all the assets in the HPB fund to ensure they remain available for the benefit of Bondholders.

Stanhope Capital LLP acts as securities managers for the HPB fund.

GVA Humberts Leisure, one of the leading firms of surveyors in the holiday property market, is responsible for the independent valuation of the HPB fund properties.

PricewaterhouseCoopers LLC audits HPB Assurance Limited and the HPB fund.

Boal & Co provides actuarial services to the HPB Group.

An eye for detail: Legal and Compliance Director Paul Clark makes sure all "i"s are dotted and "t"s crossed.

There are many aspects to marketing, managing and operating the Holiday Property Bond, reflected in the various companies involved.

Paul Clark, Legal and Compliance Director of HPB Management Limited, explains the make-up of the HBP Group.

The HPB corporate structure chart illustrates the relationship between the different companies, and the individual functions of each.

HPB Holdings Limited owns the various HPB companies which issue, market and manage the Holiday Property Bond. That holding company is, in turn, owned by the Boyce and Baber families who helped establish HPB and are involved in its management to this day and by Isle of Man Assurance Limited - the privately owned Isle of Man company which was the original issuer of the Holiday Property Bond.

The HPB fund - that is the properties and securities - is operated by HPB Assurance Limited. However, legislation - and the trustee arrangements involving HSBC Trustee (Guernsey) Limited (see opposite) - ensure that the HPB fund is kept segregated and used only to provide Bondholders with the benefits offered by the Holiday Property Bond in accordance with a legally binding Trust Deed.

Importantly, the HPB fund does not own the companies shown in the corporate structure and is therefore not exposed to the trading risks of those companies.

The HPB fund pays to these companies only those expenses, initial charges and other fees - including annual management fees - that are specifically permitted under HPB's Trust Deed. The companies then pay their own operating costs, which include - for instance - marketing, running booking systems, accountancy, maintaining policy records, dealing with policy administration, and so on.

The cost of many HPB related publications, such as the BOND magazine, is met by companies in the HPB Holdings Group. They also cover the cost of nearly all the other publications in which HPB is promoted.

For an explanation of the Holiday Property Bond see "How it works".

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THE HPB GROUP

All companies 100% owned unless otherwise stated.

 

HPB Holdings Limited

 
                                                                               
           
               

75%

             

HPB Assurance Limited

issues HPB and administers its fund of properties and securities.

 

HPB Management Limited

holds the UK marketing rights and is property manager, which includes responsibility for booking services.

 

HPB Travel Club Holdings Limited

is approximately 25% owned by over 8,000 individual Bondholders. It is purely a holding company for the Travel Club.
 

           
           
   

Conker Interiors Limited

provides interior design services to the HPB Fund.

   

HPB Travel Club Limited

provides travel services primarily to Bondholders.

   
     
   

85%

 
     
 

Newmarketing Campaign Limited

provides marketing advice and services to other group companies.

 

Stately Holiday Cottages Limited

acts as letting agent for a portfolio of UK cottages and apartments all now offered through the HPB tenancy programme.

 
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Money Back Promise

Over 40% of new investors first hear about HPB from existing investors, showing how enthusiastic people who know HPB are. And, in regular surveys, Bondholders tell us how happy they are with HPB holidays. Consequently, we feel confident in making this unprecedented offer:

  • If you take your first HPB holiday within three years of investing and are not entirely happy, you have the right to encash your HPB investment within 14 days of your return.
  • Whatever the encashment value, HPB Holdings Limited, the parent company of the HPB Group, will make up any difference so that you get back the full amount you originally invested including any adviser charge.
  • This applies to a holiday at any HPB-owned property which is taken by at least one of the Bondholders themselves.

You will receive full details of the offer before you invest.

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Safeguards

Our independent Trustee

As an investor in the Holiday Property Bond, your interests are further protected by: HSBC Trustee (Guernsey) Limited, which controls all HPB's assets and to whom your payment is made when you invest.

The Holiday Property Bondholders' Committee

This independent 'watchdog', the majority of whose members are democratically elected by investors, overseas the management's activities, from the selection of new locations to resolving holiday complaints.

Financial Services Regulation

In marketing the Holiday Property Bond, HPB Management Limited is authorised and regulated by the Financial Conduct Authority, which gives you important rights and safeguards. We and our representatives have to comply with all prevailing consumer protection legislation and the highest professional standards.

A 30 day 'cooling off period'

Even when you have invested in the Holiday Property Bond, you have 30 days to change your mind without penalty, as required by law.

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Your inflation-protected Holiday Points

HPB's holiday benefits are provided through a Holiday Points system, in which each £1 invested (including any adviser charge) entitles you to one Holiday Point each year. Each time you book a holiday, you exchange Holiday Points for the accommodation you want, and the number of Holiday Points required depends on the location, property size and season.

Here are some examples of how it works in practice:

For two people, holidaying out of season:
A week in Barnham Broom, Norfolk from 1,520 Points
A week in Austria from 1,600 Points

And in the height of summer:
A week in Majorca from 8,750 Points
A week in Tuscany from 10,430 Points
A week in the Lake District from 8,500 Points

If you have a minimum qualifying investment you can also book Short Notice Points Free holidays, subject to availability. Bookings can be made up to 28 days in advance for UK holidays and up to 56 days in advance for overseas. Even if you do not have a qualifying investment, you can still book Short Notice Points Free holidays up to 21 days ahead in the UK and up to 42 days ahead overseas.

Inflation protection: Your Holiday Points allocation is re-valued every year in line with the cost of providing additional holiday accomodation for new investors. This means your holiday accommodation booking power is fixed and protected against inflation. So you can look forward to top quality holidays for life.

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10 resaons to consider the Holiday Property Bond

Previous... ...Next

You can choose from a large - and expanding - choice of destinations

There are already over 1,300 wholly owned HPB properties in 30 locations throughout the UK and Europe. And as more people invest, more first-class properties will become available. There are also around 200 Tenancy properties (privately owned holiday homes managed by HPB) in over 35 locations, a portfolio which is reviewed every year.

For an explanation of the Holiday Property Bond see "How it works".

High standards and quality

Every HPB owned property is fitted and furnished to high modern standards. You can be sure that, whichever of the properties you choose for your holiday, you will not be disappointed.

Your level of holiday entitlement is secured at today's prices

HPB's holiday benefits are provided through a Holiday Points system which protects your holiday accommodation booking power against inflation.

Your HPB entitlements last a lifetime - and can be passed on to your family

Not only will you be able to enjoy superb rent free holidays for the whole of your life but you can 'gift' your HPB investment to your children or grandchildren in due course so that they go on enjoying its benefits.

As an investor, you benefit from important safeguards

These safeguards include an independent trustee to control all HPB assets; and statutory regulation of HPB's marketing by the Financial Conduct Authority.

"Money Back Promise"

We are so confident that you will be delighted by the quality of HPB holidays that we are prepared to make you this unprecedented 'Money Back Promise'.

There is no need to make a big commitment

Many new investors start with a modest amount - the minimum initial payment is £5,000. Then after they have taken one or two HPB holidays, they often decide to 'top up' their investment to increase their holiday entitlements.

English speaking staff at every site

At all locations you will find helpful, professional English-speaking staff who will do everything they can to help you with your queries or any problems you may have

There's a great sense of 'community'

Bondholders like the club atmosphere of HPB locations. Bondholders tend to be like-minded and get on with each other. And we keep Bondholders up to date with new developments and new ideas through a regular free Bondholders' magazine, The Bond.

A dedicated travel agency can take care of the arrangements

As a Bondholder you can make all your travel arrangements through the HPB Travel Club, a travel agency dedicated to serving the needs of bondholders and a member of ABTA.

Findout More Close

FIND OUT MORE & REQUEST YOUR PACK TODAY

I confirm I have read and understood HPB's data policy -

Our full colour Information Pack explains the benefits and privileges that are currently enjoyed by over 40,000 families just like yours. And the accompanying preview DVD showcases many of the glorious holiday destinations that could be yours to enjoy - rent free for life.

Remember, there's no obligation - and no sales person will visit (unless you ask them to). Just complete and submit this form.

For an explanation of the Holiday Property Bond see "How it works".

£2,500 John Lewis Vouchers Prize Draw

Request a brochure by 31st October 2014 for your chance to win in our £2,500 John Lewis Vouchers Prize Draw. Click here for details.

Data Policy

By responding, you agree to us sending you further information by letter, SMS, telephone and/or email. We confirm that we will NOT pass your details to any unconnected parties but other members of our corporate group may also contact you in any of these ways with other holiday offers.

If you would prefer them not to, please tick here

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£2,500 Premium Bond Prize Draw

All brochure requests received by 31st October 2014 will be entered into our John Lewis Prize Draw to win 7 individual prizes totalling £2,500

1st prize £1,250, 2nd prize £750, plus 5 x £100 of John Lewis Gift Vouchers to be won!

No purchase necessary. Drawn 31st October 2014. Winners notified, winners list available 10th November 2014. Claim prizes by 29th December 2014. Cash alternative may be offered. Those under 18, HPB investors, employees, associates or those in their households are not eligible. One entry per household. Full rules on request.

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Thank you

Many thanks for your interest in the Holiday Property Bond.

You will receive your full-colour Information Pack and DVD within the next few days.

We use cookies to give you the best possible online experience. If you continue, we'll assume you are happy for your web browser to receive all cookies from our website.
close close
HPB MANAGEMENT LIMITED


PRIVACY POLICY

Aim

This Privacy Policy explains how HPB Management Limited ("HPBM") will collect, store and use the personal data you supply and how HPBM will monitor use of our websites. Personal data is information which relates to identifiable living individuals.

It is HPBM's stated policy that we will act in accordance with current legislation and aim to meet current best practice with regard to the processing of personal data.

This Privacy Policy does not cover links within any of our websites to other external websites.

Collection of Personal Data

In using any of our websites you may provide certain personal data to HPBM which we will compile and process in accordance with this Privacy Policy.

Use of Personal Data

The names and addresses of investors in the Holiday Property Bond or those enquiring about it are never passed or sold to any unrelated third parties.

Investors in the Holiday Property Bond will receive regular information (by letter, email, SMS, telephone and/or otherwise) from HPBM concerning the Holiday Property Bond’s properties and your investment in and holidays with the Holiday Property Bond and related matters. As an enquirer you will receive information (by letter, email, SMS, telephone and/or otherwise) from HPBM about the Holiday Property Bond and information which we believe may be of interest to you in considering the Holiday Property Bond.

The names and addresses of investors or enquirers are only passed to our associate companies, including HPB Travel Club Limited, Stately Holiday Cottages Limited, Signature Holidays Limited and Lantern & Larks Limited. These companies may then send information (by letter, email, SMS, telephone and/or otherwise) relating to travel services, rental properties, other holiday opportunities and any other offers which they believe may be of benefit to investors in or enquirers about the Holiday Property Bond. If, however, you do not wish to continue receiving such communications, you should use the contact details below and your name will be removed from the appropriate list:

James Boyce, Managing Director,
HPB Management Ltd, HPB House, Newmarket, Suffolk, CB8 8EH or email privacy@hpb.co.uk

Storage and Collection of Personal Data

HPBM will retain any personal data it holds unless and until you tell us that you no longer wish us to retain it. We are obliged to supply you, on request, with a copy of any personal data we hold about you. If you wish us to erase any personal data we hold or see a copy of the personal data, please contact James Boyce at the above address or email for more details. Should you discover any inaccuracies in your personal details, please notify us as soon as possible at the same address or email and we will correct those details. Where data is no longer required, we will ensure that it is disposed of in a secure manner.

Cookies - General Information

Cookies are tiny text files stored on your computer when you visit certain web pages.They cannot harm your computer, but they can make web surfing easier by saving your preferences. They do not tell us your individual identity unless you have chosen to provide it.


OUR USE OF COOKIES

On all our websites

We use Google Analytics to help analyse how visitors use our websites. We specifically use _utma and _utmz which provide us with completely anonymous information. We also use cookies to remember selections or preferences you have already made.

On our "Bondholder" Only Section

If an investor ("Bondholder") chooses "remember me" when logging in to the Bondholder only section of our website hpb.co.uk we store an encrypted user name and password cookie on the user's machine. This will be referred to the next time they visit hpb.co.uk and wish to log in to the Bondholder section.

On our Public Websites

We use cookies to identify visitors to Insight Online who have previously provided us with their name and address and subsequently log in to this site. This then allows us to track the pages they are visiting and offer them further information and help in the most efficient manner.

On all our public websites we may use cookies written by Google which allow us to show HPB advertisements to previous visitors to one of our websites when they browse other websites on the internet. Further information on Google remarketing can be found here.

We also use cookies which tell us which of our websites the user first visited. In other words, if a user has visited one of our websites, but then goes away and comes back to another of our websites, we can track the first site they visited.

General

You can choose to refuse cookies or tell your browser to let you know each time that a website tries to set a cookie. However, refusing cookies may mean some sections of our websites will not work properly.

For more information about cookies (including how to turn them off) please visit www.allaboutcookies.org.

Policy last updated 19/02/2013
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the referral form in My Bond.


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