1. You have a right to inspect copies of Contract Notes, vouchers and entries in the Company’s books or computerised records relating to your transactions.

2. The Company keeps records of business transactions for at least 6 years.

3. If you should have any complaint about the product which you have bought please write to the Compliance officer at the above address.

4. If you make a valid claim against the Company in respect of the business we undertake for you and we are unable to meet our liabilities in full, you may be entitled to redress from the Financial Services Compensation Scheme.  Details of the cover provided by the Scheme are given in a booklet which we will send you at your request.

5. The Company takes responsibility for any information given to you by one of its representatives.  The Company accepts no responsibility for any loss or depreciation in the value of any investment acquired or from any transaction effected for you or for any failure to secure a particular level of income therefrom or for any adverse tax consequences except where you suffer loss as a result of wilful default or negligence on the part of the Company or it’s employees.  The Company maintains Professional Indemnity Insurance.

6. All transactions will be carried out on an “Execution Only” basis, meaning that the Company will only offer information and literature, and not advice.  It is up to you to decide if selling your endowment policy is the right decision.  If you have any doubts you should seek independent advice before proceeding.

7. Occasions can arise where we, or one of our other clients, will have some form of interest in business which we are transacting for you.  If this happens, or we become aware that our interests or those of one of our other clients conflicts with your interests, we will inform you and obtain your consent before we carry out your instructions.

8. The Company requires clients to give instructions in writing to avoid possible disputes.  It will, however, accept oral instructions at its discretion provided they are subsequently confirmed in writing.

9. You or the Company may terminate the Company’s authority to act on your behalf at any time without penalty.  Notice of the termination must be given in writing.

10. The Company derives income from commission paid to it by the purchasers of the policy.  The Company will tell you the amount of commission payable if you ask.

11. The Company does not normally charge fees, but if it does it will give you a separate agreement setting out its fee rates amended in writing and notified to you from time to time.  If the Company proposes to charge a fee it will notify you in writing before it carries out any chargeable work explaining how it will be calculated.

12. If the Company receives commission or any other form of benefit from the issuer of a security or from another intermediary it will inform you but will not tell you the amount unless you ask the Company to do so.

13. THE COMPANY DOES NOT HANDLE CLIENTS MONEY.  The Company never accepts a cheque made out to it (unless it is a cheque in settlement of charges or disbursements for which the Company has sent you a bill) or handles cash.

14. From time to time the Company may forward marketing material to you or contact you by telephone to keep you informed of products and services it can offer and which may be of interest to you.

15. These terms of business are governed and shall be construed in accordance with English law and the parties shall submit to the jurisdiction of the English courts.