James Ryan Thornhill Ltd Investment Services and Charges
|
|
- Melvyn McCoy
- 6 years ago
- Views:
Transcription
1 James Ryan Thornhill Ltd Investment Services and Charges Our Status James Ryan Thornhill Ltd is authorised and regulated by the Financial Conduct Authority under Firm Reference Number The Financial Conduct Authority now regulates all aspects of consumer credit and will relicense us in In the meantime, we hold FCA interim permissions as credit brokers and debt counsellors. We also hold FCA interim permission to provide consumer credit by allowing payment of our initial advice charge by instalments. All investment advisers hold the prescribed qualifications and a current Statement of Professional Standing. Nonadvising staff have qualifications and/or experience appropriate to their roles. Staff who deal with investment and life protection business are subject to a continuing programme of development and assessment. The basis of our service We act as brokers when assisting customers with Pure Protection which means life and/or health insurance with no investment element. Before making a recommendation, we research either of the whole market or a representative sample; and will tell you which level of product research applies. We also provide Investment advice and investment mediation service. The term investment includes all types of investment vehicle, pensions, retirement benefits, and life and/or health policies with an investment element. We will analyse your financial planning needs and research suitable options on the assumption that, if it is suitable for you, we will arrange an investment, pension or retirement benefit product on your behalf. The mediation process will comprise these stages 1. Gathering / confirming / updating information about you the factfind or know your client stage. 2. Conducting research to find options suited to your needs. 3. Providing you with general and specific information, forecasts etc to enable you to make an informed decision. 4. Recommending specific solutions, including information about the cost of arranging these solutions. 5. Acting between you and the product provider, with a view to arranging the sale / purchase of the agreed investment based product. 6. If you agree to an ongoing review service, periodically monitoring your position to ensure the [products/s continue to meet your requirements. Under current HMRC regulations and guidance, our mediation services are not subject to VAT. Pure advice, distinct from mediation service, is subject to VAT. When providing investment mediation, we are Independent Financial Advisers. We will recommend investments based on a comprehensive and fair analysis of the market. Unless you instruct us otherwise, we will place no restrictions on the Investment Markets we will consider before providing investment recommendations. However, we will only make a recommendation when we know it is suitable for you. We do not hold clients money. Any payments to investment product providers must be made by direct debit / standing order or by cheque payable to the provider. (We will hold any noninvestment premium payment made through James Ryan Thornhill Ltd in a statutory trust and will pass it promptly to the provider.) Our Service Levels Unless specifically agreed otherwise, all clients are Retail Customers. This classification gives clients the greatest possible regulatory protection under current FCA rules. We also classify clients either as Transactional or as Relationship Customers. Transactional customers require us to assess their ad hoc needs, recommend a suitable product/s and arrange it for them, at which point our function is complete. They do not require or expect ongoing service: any further service would be the subject of a separate contract. JRT Service Proposition 7.3 Revised Page 1 of 6
2 Relationship customers require ongoing monitoring of products we have mediated. They contract us to reassess their position from time to time, considering the continued suitability of previously mediated investments. They also qualify for specified ancillary services as part of the relationship. Our Service Packages and Options The Relationship service levels offered by James Ryan Thornhill Ltd are Premium and Signature. Premium is suitable for the majority of Investment, Pension, and Annuity Relationship Clients, irrespective of the size of their investment or wealth portfolio. It includes analysis, mediation and regular postsale contact. We designed our Signature service for clients who want our fullest range of regular investment and pension expertise and technical support, at an inclusive periodic charge (subject to fair use limits). It includes regular postsale contact, attitude to risk reassessment and fund switching whenever appropriate. Clients selecting this level of service are likely to hold large portfolios and/or have an adventurous attitude to investment risk combined with significant capacity for investment loss. However, this level is equally suitable for clients with more modest investments but who particularly want a comprehensive support and mediation service. Initial Mediation Inclusive for all Service levels Initial assessment of investment and protection needs including o o o Attitude to risk and reward Capacity for loss Specific investment attitudes (eg ethical investment, geographical preferences) Investment research and report/s forecasts etc Specific recommendation of a suitable product We will explain our charges at the first meeting. We will give you a realistic estimate of our total charges as soon as we are able to do so. This would usually be when we have assessed your needs and can make a recommendation. Our Guide Minimum Lumpsum Investment is 12,000. We are a community practice and try to offer affordable advice. To foster an inclusive business culture and avoid financial exclusion, we may accept smaller longterm investments. Ongoing Mediation Service levels Transaction Premium Signature Periodic Valuations Provider statements and interim valuations Home / workplace consultations on request All NG postcodes 15 mile radius of our office Access to our support team In connection with the mediated product only For plans not mediated by James Ryan Thornhill Access to a financial consultant On request (may be chargeable) Ongoing access to a consultant Ongoing access to your personal consultant Regular enewsletter Periodic Reviews * o Suitability of Investment Vehicle/s o Risk profile and capacity for loss o Review Asset Allocation (if required) o Significant tax changes alerts JRT Service Proposition 7.3 Revised Page 2 of 6
3 o Updates and valuations Six monthly (min) Annually o Fund switch mediation up to 5 per year Up to 10 per year Comprehensive financial health checks o Assistance with Tax planning * o Assistance with Estate planning * o Income + Expenditure review and forecasting o Liaison with accountant and solicitor Maximum 5 hours per quarter Continuing Advice charge 0.5% 1.0% subject to quarterly minimum > 0.75% % For example if your investments were valued at 30,000 and you had selected our Signature 1%, we would receive 300 (annualised) as our ongoing management fee. This less than our minimum ongoing service fee, so we would charge you a balance of per annum ( quarterly). If continuing advice is paid for as a percentage of the fund value, the amount will rise when fund values increase but would decrease if funds fell in value. We would still be entitled to the agreed minimum quarterly charge. Where charges are quoted as a percentage of a fund value, we will give you an estimate of the total you can expect to pay, expressed in cash terms. * When a review results in mediation for a new product, a separate fee is payable for that mediation. Specific and Additional services If applicable, VAT will be added at the rate in force at the Tax Point Max fee (GBP) Full Financial planning review Home consultation, or workplace meeting for personal (noncorporate) business o Within 15 mile radius of our office o NG postcodes outside 15 mile radius Obtaining client authority and registering with up to three existing product providers Registering authority on the same occasion: each additional product provider Fund switch not included in relationship service level Bed & ISA Transaction (unit trust switched into ISA within CGT limits) Full Mortgage Service Research, recommendation, Report and mediation Remortgage research and mediation no increased borrowing Mortgage research and mediation further advance / increased borrowing Mortgage research and mediation debt consolidation Ad hoc investment review Ad hoc pension review JRT Service Proposition 7.3 Revised Page 3 of 6
4 Ad hoc Protection review Specific report and recommendation At retirement advice and mediation Forwarding provider s annual statement, without comment, if sent to our office Nil Sixmonthly Statement where not included in current service level (per statement) Quarterly Statements per year (if not included in current service level) Advising and arranging life policy trust (Per policy) Other investment services maximum hourly rate (We will give you our estimate of the time likely to be required to carry out your instruction, and hence the cost, before you incur any charges) Material Interest We will act honestly, fairly and professionally, conducting business in our clients best interests. We or one of our other clients may sometimes have a collateral interest in business transacted for you. If we find this has happened, or if we think our or another client s interests may conflict with yours, we will explain what we will do to ensure your fair treatment. We will continue with your instructions only if you still agree to our doing so. We are forbidden to accept any undisclosed payment or benefit likely to conflict with our duty to clients. Cancellation Rights We will inform you of your statutory right to cancel. Current regulations normally usually allow you 30 days in which you may cancel an investment or pension contract. However there are occasions where this doesn t apply. We will alert you to any cancellation limitation you accept our recommendation. Complaints We will always try to give satisfactory service but, if you wish to register a complaint, please write to: DelRyan Rafter, James Ryan Thornhill Ltd, 41 Wollaton Road, Beeston, Nottingham, NG9 2RN. Telephone We will acknowledge your complaint in writing and will normally send you our Final Response within eight weeks. If you are still dissatisfied, you may be entitled to refer the matter to the Financial Ombudsman Service (FOS). We will give you details of how to do so, and will cooperate fully with the Ombudsman. BuytoLet mortgages are not regulated by the FCA, and the FOS has no power to consider complaints. Financial Services Compensation Scheme ou may be protected by the Financial Services Compensation scheme (FSCS) if we or the product provider become insolvent and cannot meet our obligations, but the scheme does not cover BuytoLet Mortgages. The compensation limits are Investment claims and mortgages, 100% of the first 50,000 per separate provider. Deposit accounts, 100% of the first 85,000 per separate provider. Joint mortgages / investments / deposits, the full limit applies for each party. Noncompulsory insurances with no investment element: 90% of the claim, with no upper limit. Compulsory insurances, no limit ou can obtain information directly from the FSCS by visiting their website JRT Service Proposition 7.3 Revised Page 4 of 6
5 Data Protection The way we use and safeguard your personal information is governed by the Data Protection Act 1998 ( the Act ). By signing this agreement, you authorise us and any company associated with us to process your personal data for mediation and/or associated administration and management. Processing includes obtaining, recording or holding information or data, transferring it to other companies associated with us, product providers, the FCA or any other statutory, governmental or regulatory body for legitimate purposes including, where relevant, to solicitors and/or other debt collection agencies for debt collection purposes and carrying out operations on the information or data. If you consent, we may also contact you or pass your details to other companies associated with us to contact you (including by telephone) with details of any other similar products, promotions, or for related marketing purposes in which we think you may be interested. our personal details may include personal data defined by the Act as sensitive. This could include information about your physical or mental health; commission or alleged commission of any offence; any prosecution, including the outcome or sentence; your political, religious or similar opinions and beliefs; sexual orientation; or your membership of a Trade Union. If at any time you wish us or any company associated with us to cease processing your personal data or sensitive personal data, or contacting you for marketing purposes, please contact The Data Protection Officer on or by writing to41 Wollaton Road, Beeston, Nottingham. NG9 2RN. We, and company/ies associated with us, will treat all types of personal data as confidential and will process it only for legitimate purposes. We will take steps to ensure that information is accurate, up to date and retained for no longer than is necessary. We will also protect it from unauthorised or unlawful processing and from accidental loss or destruction. Subject to certain exceptions, we must give you access to all personal and sensitive data we hold about you. We may charge you a fee for supplying you with such data the statutory maximum fee is currently 10 and we would charge that amount. Force Majeure We will not be in breach of this Agreement and will not incur any liability to you for any failure to perform agreed duties owing to any circumstances beyond our reasonable control. Termination Either party may terminate the authority to act on your behalf without penalty by giving seven days written notice to the other. Such termination is without prejudice to the completion of transactions already initiated. Any transactions effected before termination and a due proportion of any ongoing advice charges shall be settled to that date. Financial Crime We support and comply fully with antimoney laundering, terrorist funding and financial crime regulations. We will verify identity of all parties to investments, including trustees, and may verify the source of investment funds. VAT Under present legislation our mediation services are not subject to VAT. If this changes in future and VAT becomes payable, we will notify you before conducting any further work. Law and Communications This agreement is governed by English Law, and is subject to the exclusive jurisdiction of the English Courts. We will communicate with you in English either orally and in writing. If we accept your oral instructions, either by telephone or facetoface, we may require written confirmation. JRT Service Proposition 7.3 Revised Page 5 of 6
6 Agreement After consideration of the alternatives offered by James Ryan Thornhill Ltd, my preferred level of service is o Transaction es / No o Premium es / No o Signature es / No I want to pay the fees due to James Ryan Thornhill Ltd by (please delete as appropriate) o Cheque or cash quarterly / annually. o Credit / debit card quarterly / annually. o Provider facilitated adviser charge monthly, quarterly or annually as determined by the provider. Data Protection and Privacy I permit James Ryan Thornhill Ltd to use my personal data for its own marketing purposes only, with no disclosure to any other party except as required by Law ES / NO I/we further permit James Ryan Thornhill to pass my details to other companies associated with it so they may contact me/us (including by telephone) with details of any other similar products, promotions, or for related marketing purposes in which the firm thinks I/we may be interested. ES / NO This document is our standard Individual Client Agreement for investment services. We intend to rely on it as the basis of our dealings with you. For your benefit and protection, you should read the terms carefully. If you do not understand any point, please ask us to clarify it. The agreement is governed by English Law, and is subject to the exclusive jurisdiction of the English Courts. We will communicate with you in English both verbally and in writing. ou should sign this agreement only if you firmly intend to be bound by it. Customer Name(s) Customer signature(s) Date of signature James Ryan Thornhill Ltd 41 Wollaton Road Beeston Nottingham NG9 2RN Tel: Fax: Authorised and regulated by the Financial Conduct Authority FRN Company registered in England and Wales No JRT Service Proposition 7.3 Revised Page 6 of 6
Baker Hudson Independent Financial Advisers. Client Agreement
Baker Hudson Independent Financial Advisers Client Agreement Our aim at Baker Hudson is simple: Help you make the right financial choices. Baker Hudson Independent Financial Advisers Introduction Our aim
More informationSTEP STAGE WHAT IS INVOLVED
Client Agreement-Mortgage and Protection INTRODUCTION This agreement sets out the terms under which our services are to be provided, including details of the specific services and a summary of our charges
More informationClient Agreement Document for Intelligent Financial Advice Limited
Client Agreement Document for Intelligent Financial Advice Limited INVESTMENT SERVICES Intelligent Financial Advice Limited is permitted to advise on and arrange (bring about) deals in investments. With
More informationAlan Boswell & Company Ltd Terms of Business Agreement
Alan Boswell & Company Ltd Terms of Business Agreement Alan Boswell Financial Planners is the trading style of Alan Boswell & Company Ltd, which is authorised and regulated by the Financial Conduct Authority
More informationClient Agreement Mortgages, General Insurance and Protection Planning
Kingsway Mortgages Limited 2 Grafton Mews London W1T 5JD Client Agreement Mortgages, General Insurance and Protection Planning 1. INTRODUCTION This agreement sets out the terms under which our services
More informationinformation about our services
information about our services date issued: CONTENTS OUR STANDARD AGREEMENT: ABOUT US AND HOW WE WORK WITH YOU... 2 CLIENT CLASSIFICATION... 2 OUR COMMITMENT TO YOU... 3 METHODS OF COMMUNICATION... 3 LANGUAGE...
More informationRDP Financial Services Ltd. Our Client Agreement
RDP Financial Services Ltd Our Client Agreement This is our supplementary client agreement which should be read in conjunction with the Key Facts about our services and costs document which was provided
More informationOUR TERMS OF BUSINESS AND COMMITMENT TO YOU
OUR TERMS OF BUSINESS AND COMMITMENT TO YOU CONTENTS Page 2 Page 3 Page 4 5 Page 6 7 Page 8 12 The Keys Difference Mortgage Process Service Level Agreement Fees and Costs Client Agreement Keys (UK) Limited
More informationThavies Inn House, 3-4 Holborn Circus, London, EC1N 2HA Tel: Fax: Website: cumberlandplace.co.uk Registered in England:
Thavies Inn House, 3-4 Holborn Circus, London, EC1N 2HA Tel: 020 7936 0300 Fax: 020 7356 0827 Website: cumberlandplace.co.uk Registered in England: 8948895 Registered Office: 35 Ballards Lane London N3
More informationOur mainstream service is to act on your behalf for the purpose of arranging and advising on the following:
Client Agreement This Client Agreement, the Privacy Notice and documents entitled Fee Menu Information about our services and Levels explains the basis under which we will supply our services to you. We
More informationClient Agreement. Communications We will communicate with you in English both verbally and written for the sending and reception of orders.
Browning Financial Planning Limited, Morar, Brooklands Lane, Torquay, TQ2 6PH Client Agreement This agreement is issued on behalf of Browning Financial Planning Limited of Morar, Brooklands Lane, TORQUAY,
More informationPIA WEALTH MANAGEMENT
PIA WEALTH MANAGEMENT TERMS OF BUSINESS /CLIENT AGREEMENT DIRECT OFFER Introduction This document sets out our Terms and Conditions of business and includes a summary of the products and services that
More informationCLIENT AGREEMENT. Section 39 of the Financial Services and Markets Act 2000 describes an appointed representative as follows:
RJL IFA LTD 17a 19 Eaton Street, Norwich, NR4 7AB Telephone: 01603 499599 Fax: 01603 499598 Email: info@rjlifa.co.uk WHO WE ARE CLIENT AGREEMENT This Client Agreement is issued by RJL IFA Ltd ( we ), trading
More informationPage 1. Roberts Clark Independent Financial Solutions Limited is also a licensed credit broker and our Consumer Credit License number is
CLIENT AGREEMENT (Retail Clients) Roberts Clark Independent Financial Solutions Limited Head Office: Prosperity House, Water Street, Burntwood, Staffordshire, WS7 1AN Telephone: 01543 677444 (Burntwood)
More informationClient & Fee Agreement
162 High Street Tonbridge, Kent TN9 1BB Tel: 01732 240000 info@basefinancial.co.uk Client & Fee Agreement Section 1 - Who is Base Financial? Base Financial Limited provide bespoke and holistic advice to
More informationOur service terms Consumer Terms of Business Version: July 2018 v3
Our service terms Consumer Terms of Business Version: July 2018 v3 Important Information and Consumer Terms of Business Contents IMPORTANT INFORMATION AND TERMS OF BUSINESS... 3 1 What this document is
More informationFinancial Planning Limited. Terms Of Business
Financial Planning Limited Terms Of Business Andrew Adviser. ABC Financial Planning Limited 1 Street. Town, County SN1 1SD. ABC Financial Planning Limited is an Appointed Representative of Intrinsic Financial
More informationPlease note that unlike most mortgage advice, the advice given on Buy to Let mortgages is not regulated by the Financial Conduct Authority (FCA).
Page 1 of 5 Client Agreement Buy to Let Mortgages 1. INTRODUCTION This agreement sets out the terms under which our Buy to Let mortgage services are to be provided, including details of the specific services
More informationOur service terms Commercial Terms of Business Version: April 2018 v2
Our service terms Commercial Terms of Business Version: April 2018 v2 Important Information and Commercial Terms of Business Contents IMPORTANT INFORMATION AND TERMS OF BUSINESS... 3 1 What this document
More informationCONTENTS TOB.MP.INT.RES.6.0 2
Terms Of Business {Name of adviser}. {Name of firm XXXX Ltd}. Address they will conduct business from. {Name of firm} is an Appointed Representative of {Intrinsic Mortgage Planning / Intrinsic Financial
More informationThe Old Post Office, 4 Bryanston, Blandford, DT11 0PR t: e:
. The Old Post Office, 4 Bryanston, Blandford, DT11 0PR t: 0800 368 8163 e: info@gfp-uk.com www.gfp-uk.com GFP UK is a trading style of Goodale Financial Partners Limited which is an appointed representative
More informationSSAS Terms and Conditions of Business 2018
SSAS Terms and Conditions of Business 2018 (including Schedule of Services) 1. Dentons Pension Management Limited (Dentons) is authorised and regulated by the Financial Conduct Authority (FCA). The registration
More informationTerms of Business Mortgage & Protection Services
Terms of Business Mortgage & Protection Services Chester Partnership Oaklands Business Centre Hooton Road, Hooton Cheshire, CH66 7NZ. The Chester Partnership Ltd is an Appointed Representative of Intrinsic
More informationINFORMATION ABOUT OUR SERVICES & COSTS NEVILLE BIRCH & COMPANY
INFORMATION ABOUT OUR SERVICES & COSTS NEVILLE BIRCH & COMPANY Neville Birch & Co, Copthall Farm, Breakspear Road South, Ickenham, Uxbridge, Middlesex UB10 8HB Tel: 01895 637121 Fax: 01895 625121 e-mail:
More informationRJL IFA LTD 17a 19 Eaton Street, Norwich, NR4 7AB Telephone: Fax:
RJL IFA LTD 17a 19 Eaton Street, Norwich, NR4 7AB Telephone: 01603 499599 Fax: 01603 499598 Email: info@rjlifa.co.uk WHO WE ARE CLIENT AGREEMENT This Client Agreement is issued by RJL IFA Ltd ( we ), trading
More informationTerms of Business Mortgage & Protection Services
Terms of Business Mortgage & Protection Services Oaklands Business Centre Hooton Road, Hooton Cheshire, CH66 7NZ. T: 0151 328 5678 E: info@chesterpartnership.co.uk W: www.chesterpartnership.co.uk Introduction
More informationCONTENTS TOB.MP.INT.RES.5.0 2
Terms Of Business Karon Staniforth Woodwards of Ripley Limited 7/9 Nottingham Road, Ripley, Derbyshire, DE5 3DJ Tel: 01773 744887/8 Woodwards of Ripley is an Appointed Representative of Intrinsic Mortgage
More informationCORPORATE CLIENT AGREEMENT AND TERMS OF BUSINESS
LARK EMPLOYEE BENEFITS LIMITED CORPORATE CLIENT AGREEMENT AND TERMS OF BUSINESS EMPLOYEE BENEFITS MADE TO MEASURE INTRODUCTION The Financial Services and Markets Act 2000 (FSMA) requires that we explain
More informationTERMS OF BUSINESS. and CLIENT AGREEMENT INTRODUCTION OUR STATUS. SCOPE OF ADVICE Independent Advice. Our Investment proposition
TERMS OF BUSINESS and CLIENT AGREEMENT Offices at: 4 Winchester Place, North Street Poole, Dorset BH15 1NX Grove House, 6 Meridians Cross Ocean Way, Ocean Village Southampton SO14 3TJ Tourism House, Pynes
More informationTerms Of Business. Tina Wright DipPFS AwPETR Woodward s of Ripley Limited 7-9 Nottingham Road Ripley Derbyshire DE5 3DJ
Terms Of Business Tina Wright DipPFS AwPETR Woodward s of Ripley Limited 7-9 Nottingham Road Ripley Derbyshire DE5 3DJ Woodward s of Ripley Limited is an Appointed Representative of Intrinsic Financial
More informationTERMS OF BUSINESS. By asking us to quote for, arrange or handle your insurances, you are providing your informed agreement to these Terms of Business.
TERMS OF BUSINESS By asking us to quote for, arrange or handle your insurances, you are providing your informed agreement to these Terms of Business. For your own benefit and protection, you should read
More informationTerms and Conditions FOR THE COLLECTIVE INVESTMENT BOND
Terms and Conditions FOR THE COLLECTIVE INVESTMENT BOND These terms and conditions only apply to Collective Investment Bonds that are on Charge Basis 1 and 2. If your bond is on Charge Basis 3, please
More informationTerms Of Business. Gareth Channon DipPFS Independent Financial Adviser GCFC. CL Workspace New Road Mountain Ash CF45 4FJ. Tel: (Office)
Terms Of Business Gareth Channon DipPFS Independent Financial Adviser GCFC CL Workspace New Road Mountain Ash CF45 4FJ GCFC is a trading style for Gareth Channon Financial Consultancy Limited which is
More informationCombined initial disclosure document for:
Combined initial disclosure document for: IPS Financial Solutions Limited South Point House, 321 Chase Road, London, N14 6JT 020 8920 7830 You should use the information provided within this document to
More informationCONTENTS TOB.MP.INT.RES.5.0 2
Terms Of Business Mark Gregory Ltd 1 st & 2 nd Floor, 53 High Street, Aylesbury, Bucks, HP20 1SA Mark Gregory is an Appointed Representative of Intrinsic Mortgage Planning who are authorised and regulated
More informationDISCRETIONARY & MANAGED INVESTMENT SERVICES TERMS AND CONDITIONS
DISCRETIONARY & MANAGED INVESTMENT SERVICES TERMS AND CONDITIONS November 2017 Important notice This is an important document so please read it carefully. These Terms and Conditions form the legal agreement
More informationClaim Event outside our control Fee Financial award Lender FSCS FOS Letter of authority Instruction Services
THE FAIR TRADE PRACTICE CLAIMS SPECIALIST PPI TERMS AND CONDITIONS Here at the Fair Trade Practice we are committed to providing an excellent service to those who have been mis-sold payment protection
More informationINVESTMENT FEES - STANDARD
TERMS OF BUSINESS Alexander House Financial Services 3 More London Riverside, London, SE1 2RE Alexander House Financial Services is an Appointed Representative of CAERUS Financial Ltd, who are authorised
More informationCONTENTS TOB.MP.INT.03 PY 2
Terms Of Business Mark Gregory Ltd 2-4 Temple Square, Aylesbury, Bucks, HP20 2QD Mark Gregory Ltd is an Appointed Representative of Intrinsic Mortgage Planning, who are authorised and regulated by the
More informationTERMS OF BUSINESS 1. INTRODUCTION AND DEFINITIONS
TERMS OF BUSINESS Please read the following paragraphs carefully. These are our terms of business and explain the scope of our service to you. When you instruct us to act you are confirming that you agree
More informationImportant Information about Our Services
Important Information about Our Services Twigden Asset Management Ltd King William House 46 Harpur Street Bedford MK40 2QT Tel: 01234 270074 Website: www.twigdenasset.co.uk Who are we and what do we do?
More informationJ.P. Morgan ISA and J.P. Morgan Investment Account
Key Features and Terms and Conditions Effective from 1 January 2018 J.P. Morgan ISA and J.P. Morgan Investment Account For J.P. Morgan Account holders TABLE OF CONTENTS PAGE 2 2 8 9 12 22 23 24 KEY FEATURES
More informationPLATFORM SERVICE TERMS AND CONDITIONS. November 2017
PLATFORM SERVICE TERMS AND CONDITIONS November 2017 Important notice This is an important document so please read it carefully. These Terms and Conditions form the legal agreement between you and Seven
More informationOur Client Agreement and Statement of Services and Remuneration for Trustees
The Independent Life & Pensions Group Ltd 3 Adelaide House, Corbygate Business Park, Priors Haw Road, Corby, Northants, NN17 5JG Tel: 01536 443200 Email: hello@ilpg.co.uk Web: www.ilpg.co.uk Our Client
More informationCONTENTS TOB.MP.INT.RES.04 2
Terms Of Business Mark Gregory Ltd 1 st & 2 nd Floor, 53 High Street, Aylesbury, Bucks, HP20 1SA Mark Gregory is an Appointed Representative of Intrinsic Mortgage Planning who are authorised and regulated
More informationADMIRAL MARKETS UK LTD PRIVACY POLICY
ADMIRAL MARKETS UK LTD PRIVACY POLICY Valid as of 2nd of December 2016 1. GENERAL PROVISIONS 1.1 Definitions used in the procedure: Client means any natural or legal person who has entered into client
More informationClaim Event outside our control Fee Financial award Lender FSCS FOS Letter of authority Instruction Services Terms
THE FAIR TRADE PRACTICE CLAIMS SPECIALIST TERMS AND CONDITIONS Here at the Fair Trade Practice we are committed to providing an excellent service to those who have been mis-sold payment protection insurance
More informationIntermediary Firm & Adviser Registration revised 11th June 2018
Intermediary Firm & Adviser Registration revised 11th June 2018 Please use this form to register your firm and Advisers to enable mortgage business to be submitted to the Society or to amend details of
More informationContents. Confirmation of our advice areas 4. Confirmation of whose products we offer 4. What you will pay for our services 6.
Terms of Business 2 Terms of Business Quilter Private Client Advisers 3 Thank you for your instruction to act on your behalf. This is an important document as it sets out the terms of business between
More informationCONTENTS OLD MUTUAL WEALTH PRIVATE CLIENT ADVISERS
TERMS OF BUSINESS TERMS OF BUSINESS 2 OLD MUTUAL WEALTH PRIVATE CLIENT ADVISERS Thank you for your instruction to act on your behalf. This is an important document as it sets out the terms of business
More informationTerms & Conditions Wilfred T Fry (Executor & Trustee) Ltd
Refreshingly Individual Financial Planning Since 1898 Terms & Conditions Wilfred T Fry (Executor & Trustee) Ltd Our Services This document outlines the terms & conditions relating to the services of Wilfred
More informationClient Agreement & Terms and Conditions for Business
Client Agreement & Terms and Conditions for Business Important Information Defined Terms Account means the account you open with us in connection with the provision of the Services, and which is accessible
More informationSTANDARD TERMS OF BUSINESS
STANDARD TERMS OF BUSINESS (Last Revised January 2016) All engagements that we accept are subject to the following standard terms of business unless changes are expressly agreed in writing. 1. Professional
More information(JPMorgan Fund ICVC, JPMorgan Fund II ICVC and JPMorgan Fund III ICVC,
JPMorgan Fund ICVC, JPMorgan Fund II ICVC and JPMorgan Fund III ICVC How to use this document This document contains supplementary information about the sub-funds (each a Fund or together the Funds ) of
More informationTerms of Business. Our Service Having assessed your needs we will provide you with information or make a recommendation on the basis of either:-
Terms of Business Accepting our Terms of Business Please read this document carefully. It sets out the terms and conditions on which we agree to act for you and contains details of our respective responsibilities.
More informationTERMS OF BUSINESS WITH AUTHORISED INTRODUCERS
TERMS OF BUSINESS WITH AUTHORISED INTRODUCERS These Terms of Business set out the nature of the relationship between the Company and the Introducer and the terms on which the Company will accept business
More informationKEY FACTS SCOTTISH WIDOWS DIRECT ADVICE SERVICES
KEY FACTS SCOTTISH WIDOWS DIRECT ADVICE SERVICES IMPORTANT INFORMATION ABOUT OUR SERVICES AND COSTS Scottish Widows Limited, PO Box 17037, 69 Morrison Street, Edinburgh EH3 8YD This document explains the
More informationRetail Client Agreement
Retail Client Agreement This agreement sets out the terms under which our services are to be provided. This document should be read in conjunction with the Keyfacts - about our services and costs document
More informationFirst registration Yes No. Amending existing details Yes No. Intermediary Fair Processing Notice
First registration Yes No Amending existing details Yes No Intermediaries Registration Form (Registration Form) These terms and conditions set out the basis on which Stafford Railway Building Society (
More informationOPENWORK PENSION ACCOUNT CLIENT APPLICATION FORM
1 OPENWORK PENSION ACCOUNT CLIENT APPLICATION FORM You can only apply for an Openwork Pension Account (SIPP) if you have a Financial Adviser appointed to act on your behalf. Please complete in BLOCK CAPITALS
More informationStandard Terms of Business
Last Revised January 2018 Pitt Godden & Taylor LLP These standard terms of business are applicable to all types of entities (e.g. companies, LLPs, charities, friendly societies, academies, pension schemes,
More informationPension Account Client Application Form
Pension Account Client Application Form You can only apply for an Ascentric Pension Account (SIPP) if you have a Financial Adviser appointed to act on your behalf. Please complete in BLOCK CAPITALS and
More informationLLP TERMS AND CONDITIONS OF BUSINESS
McKEOWN LLP TERMS AND CONDITIONS OF BUSINESS The following Terms & Conditions of Business ( the Terms ) give details of the basis upon which we will provide our legal services and should be read in conjunction
More informationLife Cover. Policy wording and information pack
Life Cover Policy wording and information pack Contents About Union Income Benefit Holdings Ltd 1 Policy Key Features 2-4 Policy Terms and Conditions 5-7 Union Income Benefit Holdings Ltd Data Protection
More informationYour guide to Zurich Advice Solutions. Guidance and Terms and Conditions Helping you with financial advice when you need it
Your guide to Zurich Advice Solutions Guidance and Terms and Conditions Helping you with financial advice when you need it Contents Zurich Advice Solutions our service 3 Zurich Advice Solutions Terms and
More informationImportant Information about Our Services
Important Information about Our Services Twigden Asset Management Ltd King William House 46 Harpur Street Bedford MK40 2QT Tel: 01234 270074 Website: www.twigdenasset.co.uk Who are we and what do we do?
More informationData Protection: Fair processing of student personal information Contents
Data Protection: Fair processing of student personal information Contents Introduction... 2 What is personal data... 2 Sensitive personal data... 2 The Data Protection Act 1998... 2 The conditions under
More informationFinancial Services Guide
Financial Services Guide Version 8 Date: 1 July 2014 The documents you will receive from us About our Licensee Financial Services Guide This Financial Services Guide is designed to clarify who we are and
More informationApplication. Purchased Life Annuity Annuity Plan IV. An annuity purchased with client s own funds
Purchased Life Annuity Annuity Plan IV Application An annuity purchased with client s own funds In order for your application to be processed as a priority, the following must be completed. Agency no:
More informationCLIENT TERMS OF BUSINESS AGREEMENT - General Insurance
CLIENT TERMS OF BUSINESS AGREEMENT - General Insurance 1. INTRODUCTION These Terms of Business explain the services we offer, how you will pay for our services and our regulatory status. It is an important
More informationCode of Banking Practice
Code of Banking Practice PREAMBLE The Code of Banking Practice (the Code) seeks to foster good relations between Banks and their Customers (as defined below) and to promote good banking practice by formalising
More informationTERMS OF BUSINESS BETWEEN GAP INSURANCE TODAY AND THE POLICYHOLDER Terms and Conditions
TERMS OF BUSINESS BETWEEN GAP INSURANCE TODAY AND THE POLICYHOLDER Terms and Conditions These terms will apply to your use of our telephone services, whether or not you choose to take out insurance cover,
More informationKey information about this Service
Key information about this Service DIVIDEND REINVESTMENT PLAN TERMS AND CONDITIONS - ONLINE AND POSTAL 1.1 What Service are we providing? We agree to allow you to participate in the BHP Billiton Plc dividend
More informationFinancial Services Guide
Financial Services Guide Version 9 Date: 1 st November 2017 Important Information Financial Services Guide This Financial Services Guide (FSG) is designed to clarify who we are and what we do, and help
More informationFinancial Services Guide
Financial Services Guide Version 13 Date: 1 November 2018 Important Information about our Licensee Financial Services Guide This Financial Services Guide (FSG) is designed to clarify who we are and what
More informationADAPT AIM ISA PORTFOLIOS APPLICATION FORM FOR ADVISED SUBSCRIPTIONS
ADAPT AIM ISA PORTFOLIOS APPLICATION FORM FOR ADVISED SUBSCRIPTIONS BLACKFINCH INVESTMENTS LIMITED 1350-1360 MONTPELLIER COURT, GLOUCESTER BUSINESS COURT, GLOUCESTER, GL3 4AH 01684 571 255 ENQUIRIES@BLACKFINCH.COM
More informationTB Evenlode Investment Funds ICVC OEIC Investment
TB Evenlode Investment Funds ICVC OEIC Investment Account Opening and Initial Investment Application Form For private investor use only This application form is for private investors who do not already
More informationFixed Rate Cash ISAs
Account Name 1 Year Fixed Rate Cash ISA (Issue 151) 2 Year Fixed Rate Cash ISA (Issue 152) 3 Year Fixed Rate Cash ISA (Issue 153) 1.10% Tax Free/AER 1.30% Tax Free/AER 1.50% Tax Free/AER What is the interest
More informationFinancial Services Guide
Financial Services Guide Version 7 Date: 3 rd of October 2016 The documents you will receive from us Financial Services Guide This Financial Services Guide ( FSG ) is designed to clarify who we are and
More informationSecond Charge Loan Application Submission Form
Second Charge Loan Application Submission Form FAO: Second Charge Underwriting Team - Precise Mortgages Application form for Name Post code Mortgage Illustration ID A: / The following are attached: completed
More informationExclusive Personal Liability Insurance For Persons Caring For People With Autistic Spectrum Disorder (ASD)
Are You a Parent or Guardian of a Person with ASD? Or Do You Care For a Person with ASD? If so, would you be protected by insurance in the event of a member of the public holding you responsible for bodily
More informationINVESTOR PORTFOLIO SERVICE (IPS) THE INVESTOR PORTFOLIO SERVICE NON-ADVISED TERMS AND CONDITIONS.
INVESTOR PORTFOLIO SERVICE (IPS) THE INVESTOR PORTFOLIO SERVICE NON-ADVISED TERMS AND CONDITIONS. 2 THE INVESTOR PORTFOLIO SERVICE NON-ADVISED TERMS AND CONDITIONS THE INVESTOR PORTFOLIO SERVICE NON-ADVISED
More informationTIME:Advance. An innovative approach to Inheritance Tax TOP UP APPLICATION FORM. Identity Verification Certificate (IVC) How to complete this form:
An innovative approach to Inheritance Tax TOP UP APPLICATION FORM How to complete this form: Please ensure you have read and understood the Brochure and Application Pack. Please answer all questions in
More informationFinancial Services Guide
Financial Services Guide Version 12 Date: 01/01/2018 Important Information About our Licensee Financial Services Guide This Financial Services Guide (FSG) is designed to clarify who we are and what we
More informationDiscretionary Portfolio Managers
Discretionary Portfolio Managers Intermediary Adviser Agreement Intermediaries INTRODUCTION This Agreement together with the Service Level Agreement (as laid out in Schedule A), and, our Services, Terms
More informationThese terms of business (the Terms ) explain the entire rights and obligations of You and Us regarding the provision of our Services.
Investor Compensation (UK) Limited - Terms and Conditions PPI These terms of business (the Terms ) explain the entire rights and obligations of You and Us regarding the provision of our Services. You should
More informationFinancial Services Guide
Financial Services Guide Version 12.0 Date: Thursday, 1 February 2018 Important Information About our Licensee Financial Services Guide This Financial Services Guide (FSG) is designed to clarify who we
More informationSTANDARD TERMS OF BUSINESS
STANDARD TERMS OF BUSINESS The purpose of this schedule is to set out the standard terms of business that apply to all engagements accepted. All work carried out is subject to these terms except where
More informationImportant information and declaration
Important information and declaration Name of Applicant Retirement Account Number (if known) Date of birth Your declaration As HM Revenue & Customs grant tax relief at source on the strength of your application
More informationFinancial Services Guide
Financial Services Guide Version 12 Date: 15 March 2018 Important Information About our Licensee Financial Services Guide This Financial Services Guide (FSG) is designed to clarify who we are and what
More informationFinancial Services Guide
Financial Services Guide Accord Financial Solutions Pty Ltd (Accord) is an independently owned financial services firm and sources investment, insurance and credit products from any supplier who meets
More information1. Introduction. 3. Service Levels
If you would like a hard copy of our Terms and Conditions of Business or would like a hard copy in a larger font size please contact our administration team on 020 3150 2525. 1. Introduction 1.1 This document,
More informationTERMS OF BUSINESS. We will notify you how to renew in good time prior to the expiry of your policy.
TERMS OF BUSINESS Please read this document carefully as it contains important information. If you require clarification or wish to discuss any of the content further please contact us. About Us Quote
More informationFinancial Services Guide
Financial Services Guide Version 9 Date: 13/1/2016 The documents you will receive from us About our Licensee Financial Services Guide This Financial Services Guide (FSG) is designed to clarify who we are
More informationrightmortgageadvice.co.uk
Email: mail@ About our services Rightmortgageadvice.co.uk PO Box 649 Macclesfield Cheshire SK10 9LZ 1. The Financial Conduct Authority (FCA) The FCA is the independent watchdog that regulates financial
More informationSavings account terms and conditions
Savings account terms and conditions Valid from 13th January 2018 1 Introduction These terms and conditions apply to all savings accounts with the Society, with the exception of esavings accounts (for
More information3.6. Please also note, unless your policy confirms otherwise, the rights under your policy may only be pursued in an English court.
Terms of Business - commercial customers Bluefin Insurance Services Limited Authorised and regulated by the Financial Conduct Authority No: 307899. Registered Office: 1 Tower Place West, Tower Place, London,
More informationINVESTMENT PORTFOLIO BOND APPLICATION FORM. Request to add to your Investment Portfolio Bond FOR INTERNAL USE ONLY. Proposal number.
INVESTMENT PORTFOLIO BOND APPLICATION FORM Request to add to your Investment Portfolio Bond Proposal number FOR INTERNAL USE ONLY Policy number Special deal number The Investment Portfolio Bond is provided
More informationWhat you need to do next before we can assess the application
Submission Guide What you need to do next before we can assess the application Follow these 4 simple steps: SIGN APPLICATION DOCUMENTS: Applicants to sign the Customer Declarations and DDI. Adviser to
More information