Financial Express (Holdings) Limited (“we”, “our”, “us” and derivatives) are committed to protecting and respecting your privacy. This Privacy Policy, together with our Terms of Use, sets out the basis on which any personal data that we collect from you, or that you provide to us, will be processed by us relating to your use of any of the below websites (“sites”).


For the purposes of the Data Protection Act 1998, the data controller is Trustnet Limited of 2nd Floor, Golden House, 30 Great Pulteney Street, London, W1F 9NN. Our nominated representative for the purpose of this Act is Kirsty Witter.


We collect information about you when you register with us or use any of our websites / services. Part of the registration process may include entering personal details & details of your investments.

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You confirm that all information you supply is accurate.


In order to provide personalised services to and analyse site traffic, we may use a cookie file which is stored on your browser or the hard drive of your computer. Some of the cookies we use are essential for the sites to operate and may be used to deliver you different content, depending on the type of investor you are.

You can block cookies by activating the setting on your browser which allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or part of our sites. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies as soon as you visit our sites.


We store and use information you provide as follows:

  • to present content effectively;
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We may also send you emails to provide information and keep you up to date with developments on our sites. It is our policy to have instructions on how to unsubscribe so that you will not receive any future e-mails. You can change your e-mail address at any time.

In order to provide support on the usage of our tools, our support team need access to all information provided in relation to the tool.

We will not disclose your name, email address or postal address or any data that could identify you to any third party without first receiving your permission.

However, you agree that we may disclose to any regulatory authority to which we are subject and to any investment exchange on which we may deal or to its related clearing house (or to investigators, inspectors or agents appointed by them), or to any person empowered to require such information by or under any legal enactment, any information they may request or require relating to you, or if relevant, any of your clients.

You agree that we may pass on information obtained under Money Laundering legislation as we consider necessary to comply with reporting requirements under such legislation.


We want to ensure that the personal information we hold about you is accurate and up to date. You may ask us to correct or remove information that is inaccurate.

You have the right under data protection legislation to access information held about you. If you wish to receive a copy of any personal information we hold, please write to us at 3rd Floor, Hollywood House, Church Street East, Woking, GU21 6HJ. Any access request may be subject to a fee of £10 to meet our costs in providing you with details of the information we hold about you.


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

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 our sites; any transmission is at your own risk. You will not hold us responsible for any breach of security unless we have been negligent or in wilful default.


Any changes we make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by e-mail.


Our sites contain links to other websites. 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.


If you want more information or have any questions or comments relating to our privacy policy please email [email protected] in the first instance.

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Universe Grp. (UNG)

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Friday 26 October, 2001

Universe Grp.

Trading Statement

Universe Group PLC
25 October 2001


25 October 2001


Universe Group, the retail and information systems company, reports that Group
sales during the third quarter to 30 September 2001 amounted to £17.7m
compared to £13.8m in the same period of last year, an increase of 28.6%.
Sales for the nine months to 30 September 2001 therefore show an increase of
27.3% on those for the same period of last year, being £45.4m compared to £

Unaudited group operating profit (before amortisation of goodwill) in the
third quarter was £1,029,000 compared to £829,000 an increase of 24.1%.  After
interest charges and tax, the 'headline' earnings per share (see note 1 below)
for the nine months is 4.9 pence as compared to 5.0 pence for the whole of
last year.

The negative effects of recent terrorist activity are restraining the rate of
growth in the Master Change Bureaux de change business, but the Board remain
confident that group profit for the full year will still be comfortably ahead
of last year.  In arriving at this view, the Board has taken account of the
fact that the key summer trading period for Master Change is now complete.

Master Change has twelve shops in tourist locations in Paris, its most
important market.  There is evidence of sharp reduction in the numbers of
American and other visitors to the City.  In the first twenty-one days of
October the number of transactions completed by Master Change in Paris was up
by 7.2%.  However, on a like - for - like basis i.e without the benefit of new
shops opened since October 2000, transaction numbers would have been down in
the 21-day period by 17.0%.  Details of transaction number changes are shown
in note 2.

The performance of the Group's other operations, at HTEC and First Remit,
continues to be in line with management's earlier expectations.

Universe Group plc

Ray Mackie            Chairman              020 7486 9074

Nick Scott-Kilvert    Company Secretary     020 7287 0888

Note 1

Headline earnings per share is operating profit, before amortisation of
goodwill and exceptional items, less interest and tax divided by the weighted
average 28,820,000 shares in issue during the nine month period, compared to a
weighted average of 28,133,000 during last year.

Note 2

The Master Change transaction numbers in Paris in the second half of September
and first three weeks of October have been:

                      All Shops           Shops open in both periods

                      Transactions        Transactions

17 Sept - 23 Sept     +9.2%               -17.1%
24 Sept - 30 Sept     +3.6%               -20.6%
1 Oct - 7 Oct         +7.5%               -17.9%
8 Oct - 14 Oct        +5.0%               -19.0%
15 Oct - 21 Oct       +9.3%               -13.9%


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