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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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YOUR INFLATION-PROTECTED HOLIDAY POINTS

HPB's holiday benefits are provided through a Holiday Points system. Each £1 you invest (including any adviser charge) adds one Holiday Point to the allocation of Holiday Points that you receive every year for as long as you hold your bond. Each time you book a holiday, you exchange Holiday Points for the accommodation you want, with the number of Holiday Points required depending on the location, size of property and season.

Here are some examples of how it works in practice:

For two people, holidaying out of season:
A week in The Trossachs, Scotland from 2,150 points
A week in Austria from 1,620 points

And in the height of summer:
A week in La Gomera, Canary Islands from 6,800 points
A week in the Lake District from 8,610 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 accommodation 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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USER CHARGE

The no-profit user charge is all you pay when you book your holiday. It covers the actual costs of servicing the properties, including housekeeping, laundry and maintenance of the many free-to-use-onsite facilities. It is charged per property - NOT per person. And it does not vary with the season: instead, the user-charge remains constant all year round.

For example:

A week for two in the Scottish Highlands could cost around £372 user charge, including VAT*, even at the height of the season.

A week for a party of eight in a four bedroom villa at Physkos, Turkey, in August could cost around £470 in user charge*

*Prices for 2015 and for Turkey based on exchange rate of £1 = 3.60 Turkish Lira (may vary)

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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, the parent company of the issuer of HPB 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 1,540 Points
A week in Austria from 1,620 Points

And in the height of summer:
A week in Majorca from 8,860 Points
A week in Tuscany from 10,560 Points
A week in the Lake District from 8,610 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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15 REASONS TO INVEST

Previous... ...Next Findout more

A record you can trust.

Since HPB was founded in 1983, we have attracted more investors every year, bringing the current total to well over 41,000. And as the number of investors has grown, so has the number of holiday properties we have been able to buy or build. As at 31st December 2014, HPB had net fund assets of over £275 million. We have no borrowings, and never have had.

A growing choice of destinations.

HPB has a knack for choosing unforgettable locations, such as the sun-drenched Algarve, the majestic Highlands of Scotland, the stunningly beautiful Aegean coast of Turkey and the picturesque Cotswolds. There are currently 1,380 wholly owned HPB properties in 32 locations in 13 countries across Europe - including 17 locations in the UK - and the number continues to grow.

Rent-free holidays.

When you book an HPB holiday, there is no rent to pay. Instead HPB's holiday benefits are provided through a Holiday Points system, in which each £1 of your initial payment entitles you to one Holiday Point every year. Each time you book a holiday, you exchange Holiday Points for the accommodation you want, the number required depending on the location, property size and season. All you pay is the no-profit user charge to cover actual running costs

Flexibility and freedom.

As a Bondholder you can holiday in any of our holiday homes, in any location, at any time of year. You are not restricted to particular times of year, or types of properties, and there are no exchange fees to pay.

Points-free holidays and special offers.

As a Bondholder, you can benefit from a wide range of special offers to make more of your holidays - such as short-notice Points-free holidays and concessionary long-stay holidays at particular locations. In 2014 just over a quarter of HPB holiday were taken Points-free.

Inflation protection.

You can look forward to the same level of high quality holiday entitlement for the whole of your lifetime, no matter what happens to inflation. That is because your Holiday Points allocation is re-valued at least once a year in line with the cost of providing additional holiday accommodation for new investors. This means your holiday accommodation booking power is fixed and protected.

Consistently high standards.

When you book an HPB villa, apartment or cottage for your holiday, you know what to expect from the start. All our villas, apartments and cottages are fully self-contained and fitted and furnished to high, modern standards. You will arrive to find that your property has been freshly cleaned and immaculately prepared for your arrival.

Holiday properties to suit every need.

HPB holiday homes range in size from modest one-bedroom apartments to big, family-sized villas. So whether you are holidaying alone or as a couple, or bringing the whole family, there are properties to suit you. You can also invite friends to come on holiday with you. There is accommodation for accompanied wheelchair holidaymakers and other mobility friendly properties. All UK locations have ‘pets welcome' properties (except for our hotels and Barnham Broom), as do five of the overseas locations.

Exclusive leisure facilities right on your doorstep.

HPB properties are set in their own well-cared-for grounds, and most have facilities such as swimming pools, saunas, games rooms and tennis courts on site. Some of our locations also have their own excellent restaurant.

No maintenance worries.

A big advantage of HPB, compared with the alternative of buying your own holiday home, is that you have no maintenance responsibilities or worries. All our properties, and the exclusive leisure facilities that come with them, are immaculately maintained by on-site staff. We also invest millions of pounds every year in refurbishment and improvements to keep your holiday accommodation in tip-top condition.

HPB is affordable.

How much you should invest depends on your circumstances - in particular your holiday requirements and preferences. HPB's Holiday Points system is designed to be highly flexible and one of our representatives can assess how best it could work for you and therefore how much you should invest. Each £1 you invest adds one Holiday Point to the allocation of Holiday Points that you receive every year for as long as you hold your bond.

We want you to understand HPB fully and to get the best out of it. As it is an investment product, we are authorized and regulated by, and all our representatives are approved by, the Financial Conduct Authority. This means that you will get clear and concise advice that is tailored to you and, by law, has to be given in your best interests.

The minimum initial payment to become a Bondholder is just £5,000. This is suitable for a number of new investors and many others pay this amount to try out the Bond and then go on to "top up" to increase their holiday benefits. Others choose to make a higher payment initially with the average in 2014 being around £13,500.

To understand fully how HPB could best work for you and at what level of investment, please join us at an Open Day at an HPB holiday location or an Open Event at an hotel near you. Or call free on 0800 230 0391 to arrange for a representative to meet you at a place of your choosing.

Added holiday choices with our HPB 'Tenancy' programme.

Tenancies are privately owned properties in locations around the world, currently including the UK, Europe, USA, South Africa and the Caribbean. They are let through HPB and made available to our Bondholders at competitive rates. The HPB Tenancy programme increases your choice of holiday destinations and this year offers around 300 tenancies in over 21 countries.

We can take care of your holiday travel.

As a Bondholder you can make all your travel arrangements - including flights, ferries, insurance and car hire - through the HPB Travel Club, our dedicated, ABTA-bonded travel agency. Our experienced, knowledgeable staff will make the going easy.

You can pass your bond on to your children and grandchildren.

Your holiday benefits don't just last for your own lifetime - in due course you can pass your bond on to your children and grandchildren as a family heirloom for them to enjoy or cash in if they prefer (see next panel).

You have the right to cash in.

Unlike timeshare or owning a holiday home abroad, which can be difficult to sell, your HPB investment can be cashed in after two years for its then value, subject to deferral in exceptional circumstances. For further details, please see 'How HPB works'.

Find out more...

* * *

* 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. It also provides details of the bonus available to AA members. 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 July 2015 for your chance to win in our £2,500 John Lewis Vouchers Prize Draw. Click here for details.

Data Policy

By providing the requested data you consent to us sending you further information about the Holiday Property Bond by letter, SMS, telephone and/or email. You also consent to that data being passed back to the AA and Acromas Groups of Companies for administrative use and for keeping you informed of other products and services from them and their partners by any of the above means. For full details please see the AA privacy policy at theaa.com/travel.

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 July 2015 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 July 2015. Winners notified, winners list available 11th August 2015. Claim prizes by 1st October 2015. 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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Tell a friend about the Holiday Property Bond

Please simply fill out the form opposite.

If you are a Bondholder please click here to use
the referral form in My Bond.


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