User Guide

Online Investments offers you a safe and simple way to monitor your investments over the internet 24 hours a day, seven days a week.

You can view your transactions, view fund performance and view a valuation of all your funds.

1. What do I need in order to use Online Investments?
2. How can I maximise data security?
3. How do I use Online Investments?
4. Other frequently asked questions
5. Privacy policy

• Appendix 1: Enhancing security
• Appendix 2: Terms and conditions

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Section 1 – What do I need to use Online Investments?

Online Investments is designed to enable charities who have investments in funds we offer to obtain information about their investments online. Accordingly to use Online Investments you need to:

• hold an investment in one or more of the following funds:
  • CAF UK Equity Growth Fund;
  • CAF Bond Income Fund; or
  • CAF Socially Responsible Fund

• have registered with us to use Online Investments and obtained from us the login details you will require.

If you do not meet these conditions, Online Investments enables you to apply for more information on the funds we offer, and also enables you to obtain online an application form for access to Online Investments.

To use Online Investments you need access to the internet via a suitable browser. A browser is the software that you use to access the internet.

Online Investments supports Microsoft Internet Explorer (Version 4 or above) and Netscape Navigator (Version 4 or above) although it has been designed to be accessible in as wide a range of browsers as possible, including disability browsers such as speech readers.

There are certain modifications that, for security purposes, you must ensure have been set on your browser. If you are using Microsoft Internet Explorer (Version 4 or above) or Netscape Navigator (Version 4 or above) then the instructions in section 2 will help to make these changes. For other browsers please read the browser provider’s instructions for making the equivalent changes.

While the website may work without making all of these changes, we advise you to make these changes if you wish to use Online Investments securely.

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Section 2 – How can I maximise data security?

1. Use the higher level of encryption available with Online Investments
   All communication sent between your computer and us when using Online Investments is encrypted. Encryption is a way of encoding information so that it cannot be read if it is intercepted by a third party.
   
   Your browser should automatically use encryption. You can see if your browser is using encryption because a locked padlock should appear at the bottom of your browser window. However most financial services software uses only 40 bit encryption. We have provided a higher level of encryption, using a 128 bit encryption system. To ensure your browser uses this higher level of encryption, follow the procedure set out in Appendix 1 'Enhancing Security'.
   
   
2. Use "cookies"
   A "cookie" is a piece of information stored on your computer that allows a website to record your comings and goings. Online Investments sets a cookie when you log on which allows it to recognise you each time that you request a page. The cookie is destroyed when you log off or close down your browser. You need to have 'per-session' cookies enabled on your browser for Online Investments to work effectively. Instructions on how to do this are also set out in Appendix 1 'Enhancing Security'.
   
   
3. Prevent others being able to view "stored pages"
   If you use a shared computer (and even if you do not), it is important you prevent others viewing your data later. You may not be aware of it, but your browser probably saves copies of pages you view on the internet automatically. You can switch off this facility to prevent others viewing them later. Instructions on how to do this are detailed in Appendix 1 'Enhancing Security'.
4. Keep your login details secret
   For your protection we will issue you with your login details: a unique user name, a 16-character password and a PIN. If you forget your details, please phone our investment services team on 01732 520 140 who will send you a new PIN. It is important that you keep your password and PIN secret.
   
   
5. Don’t login and then leave your computer unattended
   If you have logged in to Online Investments and leave the computer unattended, others can access confidential information. Be aware that, for your added protection, after twenty minutes of inactivity on the website, you will be logged out automatically. You will then need to go through the login procedure before you can continue.
   
   
6. Log out when you are finished
   Closing your browser does not automatically log you out. When you want to leave Online Investments, make sure that you log out to ensure that nobody else has access to your financial information. Click log out in the left hand menu, and you will be logged out. You will have the option to go back to the login page, where you will need to input your login details again if you wish to continue using Online Investments.
   

Please go to Appendix 1 to make the changes set out above, then read section 3.

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Section 3 – How do I use Online Investments?

• Getting started

Go to www.onlineinvestments.org.uk

• this brings you to the welcome page (illustrated on page 1).

To log in, click on the login tab at the top of the welcome page. This will take you to the login page. Enter your user name, password and PIN. The password is a 16-digit code consisting of both numbers and letters.

Your PIN consists of one or more individual characters. For security reasons we suggest that you commit your PIN to memory and do not share your login details with anyone.

Once logged in you will be presented with a summary valuation of your charity’s current investments. Note that here and throughout Online Investments very recent transactions may not be reflected.

• view transactions;
• view fund performance; or
• view a valuation.

You can select the appropriate option by clicking on it in the left-hand menu or by clicking one of the buttons at the bottom of the page.

Some charities have multiple client accounts. This will also apply if your charity holds investments in both CAF Socially Responsible Fund and the other funds we offer. Where there are multiple accounts, you will be presented with a list of the accounts held and asked which client account you wish to access (this is not illustrated).

Note that the date displayed will be the date on which the funds were last priced. Unless there has been some delay in updating the system, this will either be the current date or the previous business day.

• View your transactions

If you would like to see details of your charity’s purchases and sales of units (shares in the case of CAF Socially Responsible Fund) in one of your funds, please select which fund you would like to view. Specify the duration you would like to view. Then click go

You will be presented with a table showing transactions for that fund within the duration that you specified.

Note the transactions shown are those relating to the capital value of the fund. Distributions of income will not be shown unless they are re-invested in the fund.

If you would like to print this information use the printer friendly option to get as much information on the printed page as possible.

• View fund performance

The view fund performance page allows you to view the performance of any of your funds over a period you can choose.

Note that for CAF UK Equity Growth Fund and CAF Bond Income Fund historic data is only available from November 1997. CAF Socially Responsible Fund was launched at the end of February 2000.

For CAF UK Equity Growth Fund and CAF Bond Income Fund, 'bid to bid' shows market movement in the fund while 'offer to bid' allows for the fact that an investor invests at the offer price and redeems at the bid price.

CAF Socially Responsible Fund is a single priced fund and so a single percentage only will be shown.

The percentages shown reflect the period specified and are not annualised.

If you would like to print this information you can use the printer friendly option to get as much information on the printed page as possible.

• View a valuation of your portfolio

When you select view a valuation you will be presented with a summary of the value of all the funds held by your charity,* showing the unit price and the number of units held.**

This is shown at the bid price. For accounting purposes, you may need to obtain a valuation at the mid-price between the bid and offer prices. You can obtain this by clicking on the mid-price option. This does not apply to CAF Socially Responsible Fund which is a single-priced fund.
*If your charity has different client accounts, it will show all the funds in the particular client account selected.
**Shares in the case of CAF Socially Responsible Fund

If you would like to print this information you can use the printer friendly option to get as much information on the printed page as possible.

• Logging out

Closing your browser does not automatically log you out. When you want to leave Online Investments, make sure that you log out to ensure that nobody else has access to your financial information.

Click logout in the left hand menu, and you will be logged out. You will have the option to go back to the login page, where you will need to input your log in details again if you wish to continue using Online Investments.

Note that after twenty minutes of inactivity you will be logged out automatically for security reasons. This is to ensure that your financial details are not left on an unattended screen for others to view.

Online Investments also has some other facilities:

• If you would like to know more about investing in the funds we offer

Online Investments also enables you to find out more about the investments we offer. Just click on the tab investments we offer.

Once on this page, click on Find out more about these three funds to apply for a copy of the Key Features document for any of the funds that interest you.

You will access a screen with some form fields to fill in. Those that are mandatory are indicated with an asterisk. Type in your details and indicate the funds you are interested in, then click send.
We will then send you an information pack including a Key Features document. The Key Features document includes an application form which you can use if you decide to invest.

• If you have investments in the funds we offer, you can apply to register for access to Online Investments.

If you click yes, and have Microsoft Word 6 or above, you can then complete online an application form (not illustrated). Once completed, this should be printed off, signed and sent to us. If you do not have Microsoft Word 6 or above, please call us on 01732 520 140 and we will send you an application form.

• User Guide

There is a copy of this User Guide available online (indeed you may be reading the online version). To access this, click on the User Guide tab. At the top of the User Guide page there is a list of links. Click on the relevant link and you will jump down the page to the relevant information. However if you prefer to scroll down the page you will find the sections in the order set out in the list.

• Contact us

You can contact us if you have any problems, queries or suggestions.
Click the Contact Us tab and you will access a form on which you can send us your message and your contact details, so we can respond.

• About Us

You can find out more about services provided by us and our parent CAF. Click on the About Us tab. Note that to access further details of some of the services listed, the hotlink will take you to another website, and out of Online Investments. If you have logged in, you will then be logged out and will need to log in again if you wish to continue using Online Investments.

You may prefer to continue using Online Investments and come back later. If you click a hotlink taking you to another website, the screen will warn you that you will be logged out, and allow you to switch back to Online Investments if you wish.

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Section 4 – Other frequently asked questions

How secure is Online Investments?
Online Investments has the latest commercially available encryption technology - 128-bit encryption. Providing you keep your login details safe and follow the instructions in Section 2 of this guide, the system is entirely secure. If at any time you believe that someone may have had access to your login details, including an unauthorised member of staff at your organisation, please contact the investment team on 01732 520 140 at the first opportunity.

I cannot seem to change my browser to use 128-bit encryption. Is it still possible to use Online Investments?
Yes you can still use Online Investments, but your security level will be reduced. Whilst it is highly unlikely that your information will be accessed by unauthorised parties, we not advise use without 128-bit encryption and cannot accept responsibility in the event of any unauthorised access.

Can other members of my organisation use my login details?
It would be a security breach for anyone but the individual who has been registered for Online Investments to have access to the login details and if this should happen you should report it to the investment team on 01732 520 140 at the first opportunity.

Can I change my password and PIN myself?
No. For security reasons, Online Investments will only work with the password and PIN that are supplied to you.

Will the data shown always be up to date?
Recent transactions can take up to five working days to register on the system. These may not therefore be shown. Unit (or share) prices are normally updated towards the end of each working day. Until then the previous day’s prices will be shown and used. If there is a delay in updating the system, the data may be a working day 'out'. The system however should always tell you the date at which the prices shown or used are accurate.

If I get stuck, how can I get help and advice on using Online Investments?
If you have a problem not addressed in this User Guide, the contact us page allows you to contact a member of CAF Marketing Services Limited staff. Please fill in the form and click send. Please do not send or use your user name, password or PIN in any communication you send. We shall process your request as quickly as we can.

You can also email us directly at investments@CAFonline.org but again please do not pass on your login details in the communication. Alternatively, if you wish to talk to a member of the investment team, please call 01732 520 140 (lines are open Monday - Friday, 9:00am – 5:00pm).

I have some comments on how the website could be improved. Can I send them to you?
Yes. We welcome comments and feedback. Please use the 'contact us' page to do this.

Can I buy or sell units or shares on Investments Online?
No. This is not possible at present. Because the investments are held on behalf of charities, the need for authorised signatories restricts ability to offer the facility of transacting investment business online.

Can I get information regarding income distributions online?
The information on transactions relates to the purchases and sales of units* in the funds and the value of your charity’s capital investments. Income distributions will only be shown if they are re-invested in the fund. We hope to add more information regarding income distributions in further developments of Online Investments.

I have an existing investment in a fund you offer, but would like to find out about one of your other funds. Can I do this?
Yes. You can ask us to send you a Key Features document for the fund in which you are interested. Click on the Investments we offer tab, which provides some further details, and then click on the link find out more about these three funds. This will take you to a request form. Email this to us with your details, indicating the fund(s) in which you are interested, and we will send you the Key Features document which includes an application form.

*Shares in the case of CAF Socially Responsible Fund

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Section 5  - Privacy Policy

CAF respects your privacy. The following describes CAF practices regarding the collection, use and disclosure of your personal information on CAF websites.

Your Details

The personal information that you provide is securely stored within the website database. All personal information transmissions which provide payment or account details are encrypted.

Data Protection

CAF and the companies in which it has a majority stake (the Group) will use your information to provide you with the product or service that you have requested. This information will not be disclosed to any outside organisation except as part of providing that product or service, or when legally obliged to do so.

From time to time the Group may offer you other products and services or invite you to events that may be of interest to you.

Please indicate when registering if you do not wish to be contacted about other services and events.

Cookies

Cookies are used on websites to create unique identities for users. Storing cookie information has the following benefits:

• Reduces the need to enter personal details such as log-in codes with each visit to the site

• Retains your personalisation of the site e.g. visual display, shortcuts to favourite sections of the site etc.

Cookies within this site do not detect anything else you might have stored on your computer.

Accuracy

The accuracy of your personal details is dependent upon the accuracy of the information you provide. CAF will not verify any personal information submitted other than that which is provided for payment or account purposes. CAF is not responsible for errors or problems that arise as a result of inaccurate information submitted by users.

Opting Out

Each process allows you to “opt-out” of receiving any further correspondence relating to other services and events available through CAF and its subsidiaries.

Editing or Removing Your Details

You may edit or delete your details stored within this site at any time. Please email coordinator@cafonline.org stating your name, email address, postcode and details of your request.

Contact Us

If you have any comments or questions about this Privacy Policy, please email coordinator@cafonline.org

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Appendix 1 - Enhancing Security

1. Prepare your browser for 128-bit encryption.

Most browsers use 40-bit encryption for secure websites, but Online Investments has 128-bit encryption. To take advantage of the 128-bit encryption provided by Online Investments, you must perform this simple set up. This only needs to be done once.

1. Click on Help in the menu, and choose About Internet Explorer. A window opens which shows you the version number of your browser and the current encryption strength.
2. If it is anything less than 128-bit encryption, click on Update Information. This will take you to the Microsoft 128-bit download page where you will be able to download the 128-bit software.
3. Follow the instructions on this page to download a suitable update and run the program when it has downloaded.

1. In the menu, choose Window and the Security Info.
2. Click on Navigator.
3. Make sure that the checkboxes next to SSL v2 and SSL v3 are both checked.
4. Click on Configure SSL v3.
5. Make sure that RC4 encryption with a 128-bit key is checked. If this option is not available, visit the Netscape security website.

2. Set your browser to accept per-session Cookies

Online Investments sets a cookie when you log on, which allows it to recognise you each time you request a page. To use Online Investments, your browser must have cookies enabled.

1. Click on Tools in the menu bar (or View in Internet Explorer 4.01).
2. Select Internet Options and then click on the Security tab.
3. Make sure that Internet zone is highlighted and that your security settings are Medium. If you wish to customise your settings, ensure that per-session cookies are enabled.

1. Click on Edit in the menu bar.
2. Select Preferences and then select the advanced category.
3. Select Accept cookies or Accept only cookies that get sent back to the original server.

3. Prevent your browser from saving pages to your hard disk

Your browser can save a webpage on your computer so that when you wish to see the webpage again it doesn’t have to download the same page again. With encrypted pages this may be a problem, particularly if other people can get access to your computer. With Internet Explorer, we would advise that you stop your browser from storing secure pages. With Netscape Navigator, however, you have to delete cached files (stored files) when you have finished your session.

1. Click on Tools (or View if using Internet Explorer 4.01) in the menu bar.
2. Select Internet Options.
3. Click on the Advanced tab.
4. Scroll down to the Security section.
5. Tick the Do not save encrypted files to disk checkbox.
6. Click OK to save those options.

1. Click on Edit in the menu bar at the top of the screen.
2. Select Preferences and double-click on Advanced
3. Click on Cache on the drop-down menu.
4. On the right-hand side click the Clear Memory Cache and Clear Disk Cache buttons.

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Appendix 2 - Terms and Conditions

By signing up to Online Investments, you agree to and are bound by the service terms and conditions. Please read them carefully.

1. Eligibility
'Online Investments' is only available to registered charities and other organisations whose purposes qualify them for charitable status recognised by the Charity Commission or the Inland Revenue, and which hold investments in funds offered by CAF Marketing Services Limited (CMSL).

CMSL has the right to withdraw access to the service at any time.

2. Changing user details
Registered service users undertake to advise CMSL immediately of any changes in their organisation affecting the rights of the authorised named user . Until such notification has been received CMSL shall in no respects be held liable for any use or misuse of information obtained via the CMSL 'Online Investments' service by an individual who has previously been properly authorised as a named user by the charity for that purpose.

3. Amendments to Terms and Conditions
We may alter these Terms and Conditions from time to time by giving one month’s written notice to the named user.

4. Responsibilities
Registered service users shall ensure that named users are fully aware of their responsibilities to maintain proper security of all access codes provided for the use of the CMSL 'Online Investments' service.

1. Non disclosure of user name, password and PIN number.
2. To ensure that a third party does not overlook the named user when logging on to the service.
3. To advise CMSL immediately if the user name, password or PIN is accidentally disclosed to a third party.

Registered service users must immediately advise CMSL when the registered named user is leaving their organisation so that access can be terminated. Access can be re-established by a nomination of a new proposed named user.

Registered office
CAF Marketing Services Limited, Kings Hill, West Malling, Kent ME19 4TA.

Definitions
Registered service user : a recognised UK charitable body, which holds an investment in one or more of the investment funds offered by CAF Marketing Services Limited, and which has registered a named user to access the Online Investments website.

Named user : an individual authorised by the registered service user to access the 'Online Investments' website.

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