The Holiday Property Bond

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

... the flexibility of villa rental and many of the advantages of direct holiday property ownership...

... almost half of Bondholders go on to increase their original investment.

HPB's assets are controlled by an independent Trustee...

A uniquely flexible alternative to fixed week timeshare or villa ownership, the Holiday Property Bond (HPB) is a life assurance bond which invests, after product charges, in a combination of securities and carefully chosen holiday properties throughout the UK and Europe. By securing a financial interest in HPB's entire portfolio of villas, cottages and apartments, investors (Bondholders) and their family and friends are entitled to use any HPB property at any time rent free. It is a privilege they can pass on - without charge - to their children and grandchildren.

HPB seeks to provide the best of both worlds - the flexibility of villa rental and many of the advantages of direct holiday property ownership - whilst sparing Bondholders the associated maintenance and managerial complications.

A minimum initial payment (including adviser charge) of just £5,000 and an RPI linked quarterly fee of under £30 (including VAT) enable Bondholders to book any available HPB property when they choose. In return for your investment you receive a number of Holiday Points each year, which you can exchange for your holiday accommodation. How many Holiday Points you receive each year depends on the size of your investment (£1 = 1 Holiday Point) and the number is reassessed at least once every year in line with the cost of providing additional holiday accommodation for new investors. This means that your holiday accommodation booking power is safeguarded for the lifetime of your investment. There are no restrictions on when you can go on holiday, where, or what kind of holiday home you can book. And you won't pay a penny in rent for your holiday - just a no-profit user charge when you book your holiday to cover the actual expenses of running the properties. All other management costs are met from the quarterly fee and that part of the HPB funds invested in securities.

Unused Holiday Points can either be rolled over for up to one year, or passed to friends or family members. And Short Notice breaks - and holidays at any of HPB's separate Tenancy portfolio of rented properties - are also available free of Holiday Points.

When considering HPB you should know that in its promotion and marketing, HPB Management Limited is authorised and regulated by the Financial Services Authority. For more information on this and other safeguards please click here. And all new investors benefit from our unique "Money Back Promise". Apart from the ability to encash under the "Money Back Promise", you can encash your HPB investment at any time after two years at a value linked to that of the related properties and securities. However there may not be a profit (and may be a loss) due to initial charges and fluctuations in asset values. In exceptional circumstances encashment may be deferred for up to twelve months. In reality the majority of Bondholders prefer to retain their HPB investment for the long term, before passing it and the related holiday benefits on to their children or grandchildren. And almost half of Bondholders go on to increase their original investment.

HPB's assets are controlled by an independent Trustee, HSBC Trustee (Guernsey) Limited which is registered at Park Place, Park Street, St Peter Port, Guernsey, Channel Islands, GY1 1EE. The Securities Manager is Baillie Gifford & Co registered at Calton Square, 1 Greenside Row, Edinburgh, EH1 3AN.

The HPB "family" includes HPB Management Limited (HPBM) registered company number 1581593, of HPB House, Newmarket, Suffolk, CB8 8EH which is authorised and regulated by the Financial Services Authority. HPBM is the property manager and main UK agent for HPB, itself issued by HPB Assurance Limited (HPBA) which is registered in the Isle of Man and authorised there by the Insurance & Pensions Authority. Accordingly, holders of policies issued by this company will not be protected by the Financial Services Compensation Scheme if the company becomes unable to meet its liabilities to them. Instead Isle of Man compensation arrangements apply to new policies.

HPBM and HPBA are part of the HPB marketing group and not independent of each other. HPBM offers only restricted advice, that is advice on HPB only.

The no-profit user-charge is all you pay when you book your holiday. It covers the actual costs of servicing the properties, including maid service, laundry, and maintenance of the many free-to-user on-site 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 - at the height of the season - could cost around £365 user charge, including VAT.*
A week for a party of eight in a four bedroom villa at Physkos, Turkey, in August could cost around £550 in user charge.*

* Prices for 2013 and for Turkey based on an exchange rate of £1 = 2.80 Turkish Lira (may vary).

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.

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 Services 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.

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 1,500 Points
A week in Austria from 1,580 Points

And in the height of summer:
A week in Majorca from 8,620 Points
A week in Tuscany from 10,270 Points
A week in the Lake District from 8,380 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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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 Services 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.

You can invest from capital or income

While HPB is designed as a lump sum investment, you can apply for a finance plan which allows you to spread the cost over ten years.

You will receive full details with our information pack.

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.

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".

Request a brochure by 31st July 2013 for your chance to win in our £2,500 John Lewis Vouchers Prize Draw. Click here for details.

By responding, you agree to us sending you further information by letter, SMS, telephone and/or email. Other members of the HPB group of which we are part may also contact you in any of these ways with other holiday offers.

If you would prefer them not to, please tick here

All brochure requests received by 31st July 2013 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 2013. Winners notified, winners list available 10th August 2013. Claim prizes by 1st October 2013. 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.

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.

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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