Please find below
our Key facts document.
This document and
our Data Protection statement (DPS) can be downloaded by
clicking the links below. To view these you will need to
have Adobe Acrobat reader which can also be downloaded
below.
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about our services |
Invest & Protect LTD
45 Market Street, Hoylake, Wirral, Merseyside, CH47 2BQ
1.
The Financial Services Authority (FSA)
The FSA is the independent watchdog that regulates
financial services. It requires us to give you this
document. Use this information to decide if our services
are right for you.
2.
Whose products do we offer?
Investment
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We offer
products from the whole market. |
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We can only offer products from a limited number
of companies.
Ask us for a list of the companies and products
we offer.
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We can only offer products from a single group
of companies.
Ask us for a list of the companies and products
we offer.
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Insurance
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We offer
products from a range of insurers for term
assurance, critical illness, income protection.
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We can only offer products from a limited number
of insurers for term assurance, critical
illness, income protection. Ask us for a list of
the insurers we offer insurance from.
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We can only
offer products from for term assurance, critical
illness, income protection. |
3. Which service will we provide you with?
Investment
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We will advise
and make a recommendation for you after we have
assessed your needs. |
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You will not receive advice or a recommendation
from us. We may ask some questions to narrow
down the selection of products that we will
provide details on. You will then need to make
your own choice about how to proceed.
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We will
provide basic advice on a limited range of
stakeholder products and in order to do this we
will ask some questions about your income,
savings and other circumstances but we will not:
• Conduct a full assessment of your needs;
Offer advice on whether a non-stakeholder
product may be more suitable |
Insurance
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We will advise
and make a recommendation for you after we have
assessed your needs for [term assurance,
critical illness, income protection. |
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You will not receive advice or a recommendation
from us for term assurance, critical illness,
income protection.
We may ask some questions to narrow down the
selection of products that we will provide
details on. You will then need to make your own
choice about how to proceed.
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4. What will you have to pay us for our services?
Investment
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Before we
provide you with advice, we will give you our
keyfacts guide ‘about the cost of our services’ |
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We
will tell you how we get paid, and the amount,
before we carry out any business for you. |
Insurance
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A fee. |
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No fee
will be charged to you by us. We will however
receive a commission from the product provider.
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5.
Who regulates us?
Invest & Protect LTD is authorised and regulated by the
Financial Services Authority. Invest & Protect Ltd FSA
register number is
439830.
Invest & Protect LTD permitted business is advising and
arranging life insurance, pensions and investments.
You can check this on the FSA’s Register by visiting the
FSA’s website www.fsa.gov.uk/register or by contacting
the FSA on 0845 606 1234.
6.
What to do if you have a complaint
If you wish to register a complaint, please contact us:
In writing: Write to Invest & Protect LTD 45 Market
Street Hoylake Wirral CH47 2BQ.
By phone: Telephone 0845 539 04 04.
If you cannot settle your complaint with us, you may be
entitled to refer it to the Financial Ombudsman Service.
7.
Are we covered by the Financial Services
Compensation Scheme (FSCS)?
We are covered by the FSCS. You may be entitled to
compensation from the scheme if we cannot meet our
obligations. This depends on the type of business and
the circumstances of the claim.
Investment
Most types of investment business are covered for 100%
of the first £30,000 and 90% of the next £20,000 so the
maximum compensation is £48,000.
Insurance
Insurance advising and arranging is covered for 100% of
the first £2,000 and 90% of the remainder of the claim,
without any upper limit.
Further information about compensation scheme
arrangements is available from the FSCS.
8.
Terms of business
Commencement date
This Terms of Business comes into effect on reading.
How we act for you
We prefer our clients to give us instructions in writing
to avoid possible disputes. We will, however, accept
oral instructions providing they are subsequently
confirmed in writing.
Any advice we give you will normally be in writing, but
if given orally will be recorded on your file.
Where any recommendation we make, or transaction we
undertake for you, results in a right to cancel the
policy under certain conditions, we will advise you of
these rights. We will also tell you if you do not have a
right to cancel the arrangement.
Occasions can arise where we, or one of our other
customers, 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 customers, conflict with your interests, we will
inform you and obtain your consent before we carry out
your instructions.
When we arrange investments for you we will register
these in your name unless otherwise agreed in writing.
Additionally, we will ensure you receive either a
contract note, documents of title, or certificates
evidencing title. All such paperwork will be forwarded
to you by post as soon as possible after we receive
them. Where a number of documents relating to a series
of transactions is involved, the documents will normally
be retained until the series is completed.
Investment risk
All investments carry a degree of financial risk which
will tend to increase in proportion to the potential
rate of return on the investments. Any product which is
directly or indirectly invested in assets which may fall
in value (for example equities) may itself fall in value
along with any decrease in value of those assets. Before
entering into any investment agreement, you must ensure
that you understand the risk associated with the product
and are content to accept that level of risk.
We
do not handle client monies
Crossed cheques for premiums or investment monies can
only be made payable directly to the product provider.
No premiums or investment monies of any kind should be
paid or made payable to anyone else.
You should therefore decline to give any money to, or
write cheques payable to Invest & Protect Ltd Invest &
Protect Ltd Registered Individuals. Appointed
Representatives and Registered Individuals are not to
handle client money any receipt by them of such a
payment from you will not be regarded by Invest &
Protect LTD as being a transaction for which Invest &
Protect LTD will have any responsibility.
Contact
Once we have acted upon your instructions we will not
normally give you further advice. However, we may review
our record of your investments and policies periodically
and contact you to suggest that we arrange a review
meeting. We will, however, be pleased to advise you at
any time should you require further assistance.
We like to keep our customers informed of products and
services we offer which may be of interest to them,
therefore, from time to time we may forward marketing
material to you, or contact you by telephone.
Termination of this agreement
You, or we, may terminate our authority to act on your
behalf at any time without penalty. Notice of this
termination must be given in writing by first class
post. It will be deemed to be received 2 business days
after being posted.
Any business currently being completed will be completed
unless we receive your instructions to the contrary.
Any fees outstanding at the date of termination will be
due within four weeks of the termination date.
Law
These Terms of Business are governed and shall be
construed in accordance with English law and the parties
shall submit to the exclusive jurisdiction of the
English Courts.
Invest & Protect Ltd registered office 45 Market Street
Hoylake Wirral registered in England and Wales
Registration number 4566052
Invest & Protect Ltd is authorised and regulated by the
Financial Services Authority under firm reference number
439830. The financial services authority does not
regulate inheritance tax planning. |