Murano Consulting

As the daughter of a yoga teacher, having a keen interest in Mathematics and Politics might have appeared a little peculiar initially. Luckily for me, my family did everything they could to support my education and my (wide-ranging) extra-curricular activities. After dabbling in politics as a member of the UK Youth Parliament, I decided it wasn’t for me, so Maths it was. Maths turned into Economics and after graduating with a PPE degree in 2012, Economics turned into Finance.

I landed in Asset Management at Fidelity Investments which was a steep learning curve for a young woman whose parents had never heard of a stocks and shares ISA. It was an invaluable experience where I began working with advisers and clients, guiding them with their investments and portfolios. In 2014 I decided I wanted to drive investment decisions and so I moved to Sanlam Investments to do just this.

At Sanlam I qualified as a CFA Charterholder and became a fund selector for the Advisory and Wealth Management business units. As part of a team, I wasresponsible for over £2bn of client’s assets. While managing client portfolios, my interest grew in an evolving part of the investment market: ethical investments. I subsequently developed Sanlam’s ethical proposition and was appointed head of the Socially Responsible portfolio range. It was through my allocations to ethical investments that I met Murano, which connected me with some terrific fund managers.

When the opportunity arose to head up Murano Consulting in 2020, it felt like fate had come knocking. I was being asked more regularly by my asset managers for feedback on their new investment proposition ideas, so I was already aware of demand for this type of consulting service. Coupled with my experience in managing and developing successful investment products for clients, the opportunity to provide a service to help asset managers and investment professionals reach their financial goals was a task I found myself eager to get stuck in to.

We, Murano Systems Limited (“we”, “us”, “our”), are committed to protecting and respecting your privacy.

This Privacy & Cookies Policy (the “Policy”), together with our Terms of Use and any other documents referred to on it, sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it. For the purpose of the Data Protection Act 1998 (the “Act”), the data controller is Murano Systems Limited, of 107 Byrne Road, London, Greater London, England, SW12 9JA. We are registered on the Public Register of Data Controllers and all the information held on the register is available to the public for inspection.

Our nominated representative for the purpose of the Act is << insert name of individual >>. Our website www.muranoconnect.com (the “Site”) may, from time to time, contain links to and from the websites of affiliate networks, advertisers, affiliates and other third parties. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.

Collection of information

We may collect and process the following data about you:

• information that you provide by filling in forms on the Site (this includes information provided at the time of registering as a member, subscribing to any service, posting material or requesting further services or when you report a problem with the Site),
• a record of any e-mail or hard copy correspondence or online or telephone conversation with you when you contact us,
• responses to surveys that we may use for research purposes (although you do not have to respond to them),
• details of transactions you carry out through the Site and of the fulfilment of any orders, and
• details of your visits to the Site (including, but not limited to, traffic data, location data, weblogs and other communication data, whether this is required for our own billing purposes or otherwise) and the resources that you access.

IP addresses and cookies

We may collect information about your computer, including where available your IP address, operating system and browser type, for system administration and to report aggregate information to any advertisers or other third parties. This is statistical data about our users’ browsing actions and patterns, and does not identify any individual.

For the same reason, we may obtain information about your general Internet usage by using a cookie file which is stored on your computer/device. Cookies contain information that is transferred to your computer/device. They help us to improve the Site and to deliver a better and more personalised service, specifically they enable us to:

• estimate our audience size and usage pattern,
• store information about your preferences, and so allow us to customise the Site according to your individual interests,
• speed up your searches, and
• recognise you when you return to the Site.

[You may refuse to accept cookies by setting up your browser appropriately. However, you may then be unable to access certain parts of the Site. If your browser settings are set up to allow cookies, our system will issue cookies when you log on to the Site.]

OR

[Our system will only issue non-essential cookies, as described above, if you have first consented to the storage of such cookies on your computer/device. If you do not do so, you may then be unable to access certain parts or certain functionality of the Site.] Please note that any advertisers on the Site may also use cookies, over which we have no control.

Storage and transmission of information

The data that we collect from you may be transferred to, and stored at, a destination outside the European Economic Area (“EEA”). It may also be processed by staff operating outside the EEA who work for us or for one of our suppliers. Such staff may be engaged in, among other things, the fulfilment of an order, the processing of payment details and the provision of support services. By submitting your personal data, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Policy.

Where we have given you (or where you have chosen) a password which enables you to access certain parts of the Site, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.

Unfortunately, the transmission of information via the Internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to the Site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

Usage of information

We use information held about you in the following ways:

• to ensure that content from the Site is presented in the most effective manner for you and for your computer,
• to provide you with information, products or services that you request from us or which we feel may interest you, where you have consented to be contacted for such purposes,
• to carry out our obligations arising from any contracts entered into between you and us,
• to allow you to participate in interactive features of our service, when you choose to do so, and
• to notify you about changes to our service.

We may also use your data, or permit advertisers or other selected third parties to use your data, to provide you with information about goods and services which may be of interest to you and we or they may contact you about these by post or telephone. We or they may also contact you by electronic means (e-mail or SMS) if you consent to this.

If you do not want us to use your data in this way, or to pass your details on to third parties for marketing purposes, please notify us of this on the form on which we collect your data. We may also use aggregate information to help any advertisers reach the kind of audience they want to target. We may make use of the personal data we have collected from you to enable us to comply with our advertisers’ wishes by displaying their advertisement to that target audience.

Disclosure of information

We may disclose your personal information to third parties:

• in the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets,
• if we, substantially all of our assets, are acquired by a third party, in which case personal data held by us about our customers may be one of the transferred assets, or
• if we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our Terms of Use or other agreements, or to protect the rights, property, or safety of us, our customers, or others (this may include exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction).

Your rights

You have the right to ask us not to process your personal data for marketing purposes. We will usually inform you (before collecting your data) if we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes. You can exercise your right to prevent such processing by checking certain boxes on the forms we use to collect your data. You can also exercise the right at any time by contacting us.

The Act gives you the right to access information held about you. Your right of access can be exercised in accordance with the Act. Any subject access request may incur an administrative fee of £10 to meet our costs in providing you with details of the information we hold about you.

Changes to this Policy

We may revise this Policy at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we made. Any changes may, where appropriate, be notified to you by e-mail.

Contact us

Please contact us if you have any questions, comments or requests regarding this Policy.

Welcome to the www.muranoconnect.com website (the “Site”) operated by Murano Systems Limited (“we”, “us”, “our”). The following terms and conditions set out the terms on which you may make use of the Site (“Terms of Use”), whether as a guest or as a registered member.

Please read these Terms of Use carefully before you start to use the Site. By accessing or using the Site, you are acknowledging that you have read, understand, and agree, without limitation or qualification, to be bound by these Terms of Use. If you do not agree to these Terms of Use, please refrain from using the Site.

Who we are

We are Murano Systems Limited, our registered office is at 107 Byrne Road, London, Greater London, England, SW12 9JA, we are registered in England & Wales with registered number 07527580, and our main trading address is 83 Victoria Street, London SW1H 0HW. We are not currently registered for VAT.

Your access to the Site

Access to the Site is permitted at our discretion and on a temporary basis. We reserve the right to suspend, withdraw or amend the service we provide on the Site without notice at any time. We are not liable if for any reason the Site is unavailable at any time or for any period.

If you choose, or you are provided with, a username, password or any other piece of information as part of our log-in or access procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any username or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these Terms of Use.

You are responsible for:

• making all arrangements necessary for you to have access to the Site, and
• ensuring that all persons who access the Site through your Internet connection are aware of these Terms of Use, and that they comply with them.

Misuse of the Site

You must act in good faith in your use of the Site and, specifically, you must not:

• misuse the Site by knowingly introducing, or facilitating the introduction of, viruses, trojans, worms, logic bombs or other malicious or similar harmful material,
• attempt to gain unauthorised access to the Site, the server on which the Site is stored, or any server, computer or database connected to the Site, or
• attack the Site via a denial-of-service attack of any kind,
• and any breach of the above may amount to a criminal offence under the Computer Misuse Act 1990. In the event of such a breach, your right to use the Site will cease immediately.

We are not liable to you for any loss or damage caused by any third party’s misuse of the Site.

Intellectual property rights

All intellectual property rights in the Site, and in all materials and content available on the Site including, but not limited to, text, graphics, logos, button icons, images, audio clips, data compilations, and software, and the compilation thereof (collectively, the “Content”) is the property of us or our licensors or advertisers, and is protected by regional and international laws relating to copyright and/or database rights. The trade marks, logos, and service marks displayed on the Site (collectively, the “Trade marks”) are the registered and unregistered marks of us or our licensors or advertisers, and are protected by regional and international trade mark laws.

You may print off one copy, and download extracts, of any page(s) from the Site for your personal reference only, and not for commercial use. Our status (and that of any identified contributors) as the authors of Content must always be acknowledged.

You must not:

• modify the paper or digital copies of any materials you have printed off or downloaded in any way,
• use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text, or
• use any Content for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any Content in breach of these Terms of Use, your right to use the Site will cease immediately and you must, at our option, return or destroy any copies of the Content you have made.

Reliance on information

The Content is provided “as is”, and we are not responsible for any errors or omissions contained on the Site. If you discover any information which you believe to be inaccurate, please let us know.

Commentary, opinions, feedback and other similar Content posted on the Site is not intended to amount to advice on which reliance should be placed. We have no responsibility for any loss arising from any reliance placed on such Content.

Updates to the Site and Terms of Use

We aim to update the Site and Content regularly but are under no obligation to do so, and any of the Content may be out of date at any given time.

We may suspend or withdraw access to the Site temporarily or indefinitely.

We may revise these Terms of Use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we made, as they are binding on you. Some of the provisions contained in these Terms of Use may also be supplemented, amended or superseded by provisions or notices published elsewhere on the Site or by separate agreement with you.

Our liability

The Content is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we expressly exclude:

• all conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity, and
• any liability for any direct, indirect or consequential loss or damage incurred by you in connection with the Site or in connection with the use, inability to use, or results of the use of the Site, any websites linked to it and any Content, including, without limitation any liability for:
  • computer viruses, system failures or malfunctions which may occur in connection with your use of the Site, including during hyperlinks to or from third party sites,
  • loss of income, revenue, business, profits, contracts, anticipated savings, data, goodwill,
  • wasted management or office time, and
  • any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable, provided that this condition shall not prevent claims for loss of or damage to your tangible property or any other claims for direct financial loss that are not excluded by any of the categories set out above.

Nothing in these Terms of Use excludes, limits or affects any liability which cannot be excluded or limited under applicable law. Because some countries do not allow the exclusion or limitation of liability for consequential or incidental damages, in such countries our liability is limited to the maximum extent permitted by applicable law.

Information about you

We may process personal information about you in accordance with our Privacy & Cookies Policy. By using the Site, you consent to such processing and you warrant that all data provided by you is true, accurate and current in all respects. In order that we can maintain an accurate and up to date record of your personal information, please keep us informed of any changes.

Supply of goods, services or information

Contracts formed through the Site, or elsewhere, for the supply by us of goods, services or information in exchange for payment or other consideration are governed by our separate agreement with you for such supply.

Contracts formed through the Site, or elsewhere, for the supply by third parties of goods, services or information in exchange for payment or other consideration are governed by the terms of any agreement between you and such third parties and we are not a party to, or responsible for, the performance of such contracts.

Submission of material to the Site

Whenever you make use of a feature that allows you to submit material to the Site (“Submission”), or to contact other users of the Site, you must comply with the content standards set out in our Acceptable Use Policy (the “Standards”). You warrant that any such Submission or contact complies with those Standards, and you indemnify us for any breach of that warranty.

Any Submission will be considered non-confidential and non-proprietary, and you acknowledge and accept that we have the right:

• to use, copy, distribute and disclose to third parties any Submission for any purpose, and
• to disclose your identity to any third party who is claiming that any Submission by you to the Site constitutes a violation of their intellectual property rights or other proprietary or privacy rights.
• We are not responsible, or liable to any third party, for the content or accuracy of any Submissions from you or any other user of the Site.

We have the right to remove any Submission if, in our opinion, such Submission does not comply with the Standards.

Links to or from the Site

We permit you to establish a link from your website to our Site home page, provided that:

• you do so in a way that is fair and legal and is not likely to mislead any visitor to your site or damage our reputation or take advantage of it,