Legal and privacy

Effective date: April 3, 2023


Util is a trading name of Effective Investing Limited, registered in England and Wales with the number 10590048. The registered office is Suite 1 Windrush Court, Abingdon Business Park, Abingdon, Oxfordshire, England, OX14 1SY.

Util is not authorised or regulated by the Financial Conduct Authority. Please note that the information provided on this website does not constitute investment advice, nor is it an invitation or an inducement to engage in investment activity. It is for informational purposes only and you should not construe any such information or other material as legal, tax, financial or other advice.

If you have any questions, please contact us at

Privacy Policy

This privacy policy will explain how we use the personal data we collect from you when you use our website.

What data do we collect?

When you get in touch with us, we collect the following information: name, email address and company.

How do we collect your data?

You directly provide us with most of the data we collect. We collect data and process data when you:

  • Register for our newsletter or get in touch.
  • Use or view our website via your browser’s cookies.

How will we use your data?

We collect your data so that we can get in touch with relevant information as per your request.

How do we store your data?

We securely store your data on our internal databases.

What are your data protection rights?

We would like to make sure you’re fully aware of all of your data protection rights. Every user is entitled to the following:

The right to access – You have the right to request copies of your personal data.

The right to rectification – You have the right to request that Util correct any information you believe is inaccurate. You also have the right to request we complete the information you believe is incomplete.

The right to erasure – You have the right to request that Util erase your personal data, under certain conditions.

The right to restrict processing – You have the right to request that Util restrict the processing of your personal data, under certain conditions.

The right to object to processing – You have the right to object to Util processing of your personal data, under certain conditions.

The right to data portability – You have the right to request that Util transfer the data that we have collected to another organisation, or directly to you, under certain conditions.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us at


Cookies are text files placed on your computer to collect standard Internet log information and visitor behaviour information. When you visit our websites, we may collect information from you automatically through cookies or similar technology

For further information, visit

How do we use cookies?

We use cookies in a range of ways to improve your experience on our website, including understanding how you use our website.

What types of cookies do we use?

There are a number of different types of cookies, however, our website uses:

  • Functionality – We use these cookies so that we recognise you on our website and remember your previously selected preferences. These could include what language you prefer and location you are in. A mix of first-party and third-party cookies are used.

How to manage cookies

You can set your browser not to accept cookies, and the above website tells you how to remove cookies from your browser. However, in a few cases, some of our website features may not function as a result.

Changes to our privacy policy

We keep our privacy policy under regular review and places any updates on this web page. This privacy policy was last updated on 1 July 2019.

How to contact us

If you have any questions about our privacy policy, the data we hold on you, or you would like to exercise one of your data protection rights, please do not hesitate to contact us.

Email us at:

Or write to us at: Util, White Collar Factory, 1 Old Street Yard, London EC1Y 8AF

How to contact the appropriate authority

Should you wish to report a complaint or if you feel that we haven’t addressed your concern in a satisfactory manner, you may contact the Information Commissioner’s Office at 0303 123 1113.