Welcome to hop investing ("hop")

Please select your user type after reading and agreeing to the following terms:

Our investment products can provide both individual and institutional investors with flexible investment vehicles, which can accommodate varying appetites for risk, asset exposure and capital protection.

It is important that you understand the risks attached to each of the investments. The key risk areas are summarised below, but please remember that these are general risks and those relevant to a particular product are set out in the product literature.

Meteor does not provide financial advice or guidance on tax issues and we recommend that you talk to a financial adviser if you are considering investing. Some products require you to seek professional financial advice. Such products will be highlighted on the website and in the brochure.

Any investment should only form part of your total investment portfolio. You should also maintain savings you can access immediately and without penalty to meet any emergency cash needs that may arise during the investment term.

Availability and Residence – due to local regulatory and legal requirements, not all products described on this website are available in all jurisdictions and some may be available on a limited basis only.

The securities mentioned on this website are not being offered, and will not be sold, within the United States or to, or for the account or benefit of, any U.S. person. The term U.S. person shall have the meaning as defined in Regulation S under the United States Securities Act of 1933 and includes, among other things, U.S. residents and U.S. corporations and partnerships.

Cancellation Risk – the risk that if you decide to cancel the investment after assets have been purchased you could lose some of your money if the market(s) or asset(s) to which your contract is linked have fallen since the purchase date.

Counterparty Risk   – the risk that a financial institution with whom we arrange the assets to provide investment returns does not, or cannot, pay the amounts due, which could cause you to lose some or all of your money and any investment returns that would have otherwise been payable.

Early Encashment Risk – the risk that if you decide to encash the investment before maturity you could get less back than you invested. Administration charges for early encashment will increase any losses.

Inflation Risk – the risk that inflation will reduce the real value of your investment over time.

Investment Risk – The risk that the market(s) or asset(s) to which your investment is linked fall in value, which could cause you to lose money.

ISA Transfer Risk – if you wish to transfer an existing ISA this must be done in cash, which means your existing ISA manager will sell your investments and you may be charged an exit or transfer fee. There is the potential for loss of income or growth if markets should rise while your transfer remains pending.

Liquidity Risk – the risk that you may not be able to immediately access the value of your investment.

Pricing Risk – the risk that a financial institution with whom underlying investments have been arranged may not be able to quote regular prices making it difficult to value your investment and delaying any early encashment request you may make.

Product Risk – the risk that the product design could produce a return that is lower than a direct investment in the market(s) or asset(s) to which the product is linked.

Tax Risk – The values of any tax reliefs will depend on your individual circumstances. You should note that the levels and bases of taxation could change in the future and these changes may be applied retrospectively.

It is important that you read any product literature carefully and in full so that you understand how the product works and can decide whether or not you are prepared to accept the risks and the possible consequences of investing in a particular contract, before proceeding with an investment.

Use of cookies

We use tools such as cookies which are small strings of text that a website can send to your browser. A cookie cannot retrieve any other data from your hard drive, pass on computer viruses, or capture your email address. Meteor may use cookies only to store information for the purpose of identifying whether the user is registered on the Site and to shortcut access to the Site. We may also place cookies and similar files on your hard drive for purposes such as security, to facilitate site navigation, to personalise your experience on our site and to help us understand which parts of our websites are the most popular, where our visitors are going, and how much time they spend there. These cookies do not identify you by name as an individual or by account number.

The cookies that we use have a set expiration date of 90 days. This means that every 90 days, users will be required to read and agree to these terms before using the site. Reminders of Risk warnings and information relating to our Privacy Notice and Use of Cookies also run on a 90-day cycle.

To enable or disable cookies, follow the instructions provided by your browser (usually located within the “Help”, “Tools” or “Edit” facility). Alternatively, an external resource is available at www.aboutcookies.org providing specific information about cookies and how to manage them to suit your preferences. However, please be aware that disabling cookies may mean that some of our online services will not work, including administration login queries.

By selecting an option below, you agree to the use of cookies.

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Privacy Notice and Use of Cookies

hop investing (“hop”) is committed to protecting the privacy rights of all visitors to the website and keeping all personal information secure. This Privacy Notice is directed to customers, financial advisers and other users where we might hold personal information.

When you use our website, you agree to us collecting and using personal information and this Privacy Notice explains how we collect and use your personal information.

We will never release information about our customers or business partners or to any other person or organisation unless we already have your permission or are permitted or required by regulation or law to do so.

The UK General Data Protection Regulation (GDPR) sets out your rights as a consumer in respect of information held about you by businesses.

We have set out how we collect and use this information, and your rights, below. By using the hop or Meteor websites, you consent to our collection and use of this information.

hop is an Appointed Representative of Meteor Asset Management Limited who is authorised and regulated by the Financial Conduct Authority, register no. 459325. Meteor Asset Management Limited and Meteor Investment Management are collectively referred to as “Meteor”.

We reserve the right to amend our Privacy Notice at any time, without prior notification. Any modification will take effect immediately by the modified Privacy Notice being displayed. You agree to check this Privacy Notice regularly for modifications and additions. However, this shall not affect your rights in relation to your personal information, which we explain below.

What is personal data?

Personal data includes any information that directly or indirectly identifies you, including evidence provided as part of our application process for the purpose of checking your identity. The personal data we hold on you is information:

  • that you will have directly provided to us;
  • we will have received from trusted third parties during verification checks;
  • we will have collected during the provision of services to you; and/or
  • that is publicly available as part of your social media profile.

Why do we hold and use personal data?

We need this information so that we can:

  • appropriately fulfil our provision of services to you;
  • provide you with an explanation of the options available to you at maturity;
  • administer and maintain our records in accordance with law and regulation;
  • use the data for fraud prevention and anti-money laundering purposes;
  • collate, process and share statistics based on an aggregation of information we hold for market analysis and research. No individuals will be identifiable from the resulting analysis;
  • deal with your questions and queries relating to our services to you;
  • provide any necessary information to you, to any relevant regulatory authority or in respect of any court order, to any company where we have outsourced services, to any group company, your financial adviser, or to a Deposit Taker.

We may also make your personal information available to:

  • Associated Companies (as defined in Section 416 of the Income and Corporation Taxes Act 1988) to process your application;
  • Counterparties for the purpose of administering investments/deposits held;
  • You if you ask in accordance with your rights under GDPR (see below); and/or
  • Transfer the information to a service provider outside of the European Economic Area.

Is my data secure?

We will only retain the personal information that we hold about you for as long as we are required to provide our products and services to you, and/or for as long as we are required in order to meet legal and regulatory obligations.

We take information security seriously and believe that the security precautions in place are appropriate to the nature of the information and the damage or detriment that might result from a breach of security. Please bear in mind that all publicly accessible websites are potentially susceptible to malicious practices, and we do not accept liability if security is breached.

What are my rights?

Right to access a copy of your personal information You can request a copy of the personal information that we hold about you. This is known as a ‘Data Subject Access Request’ and we normally have 1 month to respond. You can do this using the contact information below.

Right to request rectification of your personal information We take reasonable steps to keep your information accurate and current, but you can also ask us to change any information that we hold about you to keep it accurate, complete and current. Please remember that it is your responsibility to tell us about any updates to your information.

Right to request erasure of your information (‘the right to be forgotten’) In certain circumstances you have the right to ask us to delete the personal information that we hold about you, for example: if your personal information is no longer necessary for the purposes for which it was originally collected, or if your data has been processed unlawfully.

There are legitimate reasons why we might need to retain some of your personal information after you have requested its deletion, and these include for compliance with legal or regulatory obligations with which we must comply, or for the establishment, exercise or defence of legal claims.

Right to request a restriction on our processing of your personal information You can request that we restrict our processing of your personal information where:

  • You challenge the accuracy of the information we hold;
  • The information was processed unlawfully but you do not wish us to erase it, merely to restrict our processing; or
  • We no longer need the personal information but you need us to retain it for the establishment, exercise or defence of a legal claim.

Where a restriction is in place we can continue to store your information but only process it with your consent or for the establishment, exercise or defence of legal claims, for the protection of another individuals’ rights or for important public interest reasons. We will inform you prior to lifting any restriction.

Right to raise an objection to our processing of your personal information You have the right to request that we stop processing your information. However, where we believe that our processing of your information is performed on the basis of a legitimate business interest or even because of an important public interest, we may decide that we need to continue to process your information. We may also need to continue to process your information for the defence of legal claims and/or if we can demonstrate compelling grounds which override your interests, rights or freedoms.

Right to withdraw consent for optional processing

You may at any time withdraw consent for any optional uses of your information to which you have previously consented.

Right to complain to a supervisory authority

If you are dissatisfied with our use or management of your personal information you have the right to complain to a Data Protection Supervisory Authority (Authority). That Authority should be in the country where you live, where you are based, or where you feel the issue you wish to complain about took place.

In the UK the relevant Authority is the Information Commissioner’s Office and you can contact them via their website: www.ico.org.uk

Who will hold your information?

Meteor Asset Management Limited and Meteor Investment Management Limited are both data controllers and hop is the data processor for the purposes noted above. You can contact Meteor directly about how they use your personal information or to exercise your rights to make a Data Subject Access Request:

Data Protection Officer
Meteor Asset Management Limited
24/25 The Shard
32 London Bridge Street
London
SE1 9SG
Email: dataprotection@meteoram.com
Tel: 020 7904 1010

Use of Cookies

Our website makes use of cookies, which are small strings of text that a website can send to your computer via the browser. A cookie cannot retrieve any other data from your hard drive, pass on computer viruses, or capture your email address. Meteor may use cookies to identify whether the user is registered on the website and to shortcut access to it.  We may also use cookies for other purposes such as security, to facilitate website navigation, to personalise your experience on our website and to help us understand which parts of our website are the most popular, where our visitors are going, and how much time they spend there. These cookies do not identify you by name as an individual or by account number.

The cookies that we use have a set expiration period of 90 days. This means that every 90 days, users will be required to read and agree to our Terms and Conditions before using the website. Reminders of Risk warnings and information relating to our Privacy Notice and Use of Cookies will also run on a 90-day cycle. It is possible to override this default expiration period, for instance by clearing browsing data, or by making changes to the default settings of your browser.

Your browser should provide facilities to change these settings, including the ability to enable or disable cookies. These functions are usually located within the “Settings”, “Tools” or “Edit” menus.  In addition, an external resource is available at www.aboutcookies.org which provides specific information about cookies and how to manage them to suit your preferences.

You are under no obligation to accept cookies, but please be aware that disabling or deleting them will mean that some features of our website, such as remembering your login details, will not work and your overall experience on our website may be affected.

Please be aware that our website includes links to third party websites, and those websites may also use cookies, over which we have no control. We recommend that you read the privacy statements on any other websites that you visit.

We may use Google Analytics to help us analyse the usage of our website.  Google Analytics uses cookies to capture statistics regarding website use. This information is stored by Google, and they provide us with access to it. Google’s privacy policy is available at http://www.google.com/privacypolicy.html