IMPORTANT NOTICE: It has come to our attention that business(es) are practicing cold calling guised as ILM Financial. We would like to inform all victims of such calls that we, at ILM Financial Ltd, do not participate in any cold calling.
If you have been cold called please do not hesitate to contact us with the details as all instants of cold calling are being reported to the FCA
ILM Financial Operate a No Cold Calling Policy


Sunday, 19 November 2017 20:15


If you wish to register a complaint, please write to ILM Financial Ltd, Tribune Court, 2 Roman Road, Glasgow, G61 2SW or telephone 0141 221 4631.

A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service or by contacting them on 0800 023 4567.

Published in Legal
Sunday, 19 November 2017 20:13

No-Cold-Call Policy

Cold Call Policy

ILM Financial are not engaged in any cold calling activity. We have never conducted cold calling in the past and never will. We do not under any circumstances cold call any prospective clients or arrange for third parties to do so on our behalf.

Have you received a cold call from ILM Financial?

As stressed, ILM Financial do not condone or partake in any cold calling activities. If you have received an unsolicited call claiming to be ILM Financial, or they claim to be calling on behalf of ILM Financial, please report this matter immediately to our Compliance Officer, Malcolm McLean (This email address is being protected from spambots. You need JavaScript enabled to view it.) so we can investigate this matter.

What is cold calling?

A cold call is an unsolicited telephone call by a business seeking to attract new customers. Cold calling is the equivalent of spam in the junk folder of your email. The practice of cold calling is not illegal unless you have:

  • registered your details with the Telephone Preference Service, which is the central opt-out register for individuals who do not wish to receive unsolicited sales and marketing telephone calls.
  • previously notified the caller that you no longer wish to receive cold-calls by that company.

Telephone Preference Service (TPS)

The easiest method to stop nuisance calls is to register your phone number with the Telephone Preference Service. This is an official UK body with free online registration. Your number will be part of a Do Not Call list that all companies and charities are legally bound to, and are prevented from calling you without your consent.

If you are still receiving nuisance calls or texts, the TPS website offers advice on how to deal with cold calls. If you are still unhappy, then you can simply make a complaint to the TPS. The industry watchdog OFCOM also have a detailed guide on dealing with nuisance calls and messages.

The Ethical Marketing Charter

The Ethical Marketing Charter (EMC) is a collection of legal businesses in the personal injury sector who have come together to promote good marketing practices and stamp out unethical marketing tactics. Sincere Law are extremely proud to be part of the Ethical Marketing Charter.

The commitments of all businesses involved in the Ethical Marketing Charter include:

  • standing firmly against nuisance marketing such as to never cold call, send spam texts or emails.
  • standing firmly against unethical buying or selling of accident data, or misusing data to pressure people into making claims.
  • standing firmly against inappropriate or misleading advertising, never inducing personal injury claims by making false or misleading promises within advertisements.
  • being upfront about any exclusions of their services including full disclosure about how their no win no fee policies work.
Published in Legal
Sunday, 19 November 2017 20:12

Terms and Conditions


  1. We do our best to ensure that the website operates properly at all times, but we make no warranties as to the availability or accessibility of the website, and (save as otherwise set out in these terms and conditions) we will not be liable for any damages, loss, costs or expenses incurred by you as a result of any lack of availability or accessibility of the website.
  2. Nothing within these conditions operates so as to exclude, limit or restrict our liability for death or personal injury.
  3. Where you deal as a consumer, nothing in the above exclusions affects your statutory rights.
  4. All Intellectual Property Rights and goodwill in or relating to the contents of the website belong to ILM Financial Limited.

©2013 ILM Financial Limited. All rights reserved.

Nothing contained in these conditions or the website should be construed as granting by implication, estoppel, personal bar, or otherwise, any licence or right to use any of the trade marks without our permission. However, copying and printing of those web pages which contain the trademarks is permitted within the scope of the licence below.

You may download to a local hard disk and print extracts from the website solely for personal, non-commercial use. You may also recopy downloaded extracts to others for their personal, non commercial use.

You may not reproduce part or all of the contents of the website in any form unless it is for personal, non-commercial use.

You may not copy or otherwise incorporate into or store in any other website, electronic retrieval system, publication or other work any of the content of the website in any form (whether hard copy, electronic or other).

You may not frame or link to the website or any part of it without our express permission.

Published in Legal
Sunday, 19 November 2017 20:11

Privacy Statement


ILM Financial Limited is committed to protecting the privacy of its users and we therefore ask that you please read our Privacy Policy before providing us with any information about you or any other person ("Personal Information").


The ILM Financial Limited website and content cookies - small text files that are stored on your computer or in your browser - to help us to monitor how visitors use our site and allow us to maintain the optimum experience for website users. The website does not store or capture personal information about you when you visit it, it merely records traffic information. This means information about all of our visitors collectively, for example the number of visits the website receives. In order to respect our visitors' rights of privacy, this information is anonymous and no individual visitor can be identified from it.

You can disable and delete cookies by changing the appropriate setting within your browser's 'Help', 'Tools' or 'Settings' menu. If you want to delete any cookies that are already on your computer, please refer to the instructions for your file management software to locate the file or directory that stores cookies. If you want to stop cookies being stored on your computer in future, please refer to your browser manufacturer's instructions by clicking "Help" in your browser menu. Further information on deleting or controlling cookies is available at Please note that by deleting our cookies or disabling future cookies you may not benefit from features of our site.

Google Analytics

This website uses Google Analytics, a web analytics service provided by Google, Inc. ("Google"). Google Analytics uses cookies (text files placed on your computer) to help the website operators analyse how users use the site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google's behalf. Google will not associate your IP address with any other data held by Google. By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.

We will only collect personal information about you if you send us an enquiry. In order for this to happen, you will need to complete the on line 'enquiry form' or submit your details when emailing us. The type of information being collected for an enquiry will be apparent from the layout of the form, which also tells you how this information will be used.

We take all reasonable precautions to protect our visitors' information, both on and off line. If your personal information changes, please let us know and we will correct, update or remove any information that we hold about you on our active databases. We may however need to retain archive copies of that personal information for legal or audit purposes. If you have any queries regarding the way in which ILM Financial Limited handles data collected from you on this website, please contact us.


Please note that if you communicate with us electronically, including by e-mail, telephone or fax, this communication may be randomly monitored and/or recorded to protect the interests of our business and our customers. This includes for the purposes of maintaining customer/service quality standards, detection of and/or prevention of crime and to ensure that ILM Financial Limited employees comply with legal obligations and ILM Financial Limited policies and procedures (including our customer relations practices).


We may provide hyperlinks from this website ('the Site') to websites of other organisations including websites of associated companies. Please note that this Privacy Policy applies only to this Site and that ILM Financial Limited will not be liable for the contents of linked websites or any transactions carried out with organisations operating those websites.

Requests for Access to Personal Information

We are happy to provide you with details of the Personal Information, which we process about you. To protect our customers' personal information, we follow strict storage and disclosure procedures, which mean that we will require proof of identity from you prior to disclosing such information. We may charge a small administration fee in relation to any requests for access to personal information. Please direct any such request to the Data Protection Officer, ILM Financial Limited, 1 Woodside Terrace, Glasgow G3 7UY, United Kingdom.

Information Updates

Please help us to keep your Personal Information current and accurate by contacting us if your Personal Information is or becomes inaccurate and/or out-of-date.

Contacting Us

If you

  1. do not want us to use your Personal Information in the manner set out in this Privacy Policy,
  2. need to advise us of any changes to your personal information, or
  3. would like any more information about the way in which we collect and use your Personal Information,

please contact the Data Protection Officer, ILM Financial Limited, 1 Woodside Terrace, Glasgow G3 7UY, United Kingdom or by telephone on 0141 332 1302.


As you may be aware, no data transmission over the internet can be entirely secure. As a result, while we will always use reasonable endeavours to protect your Personal Information, we cannot guarantee the security of your Personal Information and the use of our Site (including the e-mail facilities) is at your own risk.

Changes to this Privacy Policy

This Privacy Policy will change from time to time, and you should check the Site on a regular basis to ensure that you are aware of our most recent policies (including this Privacy Policy and the Terms relating to your use of the Site).

User declaration

By providing ILM Financial Limited with any Personal Information you consent to the use of your Personal Information for the purposes and in the manner set out in this Privacy Policy.

Published in Legal
Sunday, 19 November 2017 20:10



The information published on this website is provided as a convenience to visitors and should be used for information purposes only and is subject to change without notice. None of the information contained in this website constitutes financial or other professional advice in any way. If you require additional information, you should contact one of our personnel.

While we use reasonable efforts to ensure that the information contained on this website is current and accurate at the date of publication, no warranties are made, either expressed or implied, as to reliability, accuracy or completeness of the information. We accept no liability for any loss arising directly or indirectly from the use of or action taken in reliance on such information. These documents should not be copied, reproduced or redistributed, in whole or in part.

No warranty is given as to the freedom of this website from errors, defects, viruses, malicious programs or macros. Links from this website exist for information only and we accept no responsibility or liability for the information contained on any such site. The existence of a link to another website does not imply or express endorsement of its provider, product or services by ILM Financial Limited. Links to this website are not permitted without our prior written consent. Please note that clicking on links to external websites will cause you to leave this website.

Published in Legal
Sunday, 19 November 2017 20:05

Investment and Financial Planning for ExPats

Investments for ExPat

The financial needs of British Expatriates can be different from UK residents and more complex. Care is needed with reference to language barriers, local laws, currency exchange and investor protection.

Published in Services