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Terms & Conditions

Client Money

WE DO NOT HANDLE CLIENTS’ MONEY. We never accept cash or a cheque made out to us (unless it is a cheque in settlement of fees, charges or disbursements for which we have sent you a bill). Cheques for premiums, investments, contributions etc. should be made payable to the relevant life office, investment or fund manager.

Instructions

We are not tied to or associated with any financial organisation. Though unlikely, occasions can arise when 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 conflict with your interests, we will inform you in writing and obtain your consent before we carry out your instructions.

We are happy to accept oral instructions but request that these are subsequently confirmed in writing. We prefer clients to give instructions in writing to avoid any possible misunderstanding.

Investment Objectives & Restrictions

If you request advice, we will undertake a “know-your-client” check prior to confirming your investment objectives under cover of a Suitability Letter.

Duty of Care and Confidentiality

We act as your agent in arranging investment transactions. We are bound by the rules of the FCA and under the general law have a duty of care to you to conduct our business with skill, care and diligence. These Terms of Business neither exclude or restrict your rights granted under the Act or any applicable rules or regulations made under it, nor our liability to you for any failure under the general law or for any breach of the FCA’s rules.

We treat all our clients’ records as confidential. No information will be passed to another party without your prior consent unless we are legally obliged to do so.

We will keep a comprehensive record of all transactions on our files which, along with copies of relevant documentation and correspondence, will be held by us for a period of at least six years. The Data Protection Act requires that all information held by us is maintained and kept up to date. To this end we ask that any changes to your circumstances or of any facts recorded at any meeting be notified to us at the earliest opportunity. You have a right to inspect copies of contract notes, vouchers and entries in our books or computerised records relating to your transactions.

Remuneration

We are happy to be remunerated by one, or more, of the following methods:

  • By fees for work undertaken
  • By deriving income from Client Agreed Fees paid to us by the product providers in respect of transactions in regulated collective investment schemes. We will tell you the amount of fees payable to us on any such transaction.

No charge will be made to you for our services unless you have been given prior notice; the basis of our charging will be fully explained and agreed with you and confirmed in writing before beginning the chargeable work.

Fees charged leading to the sale of a financial product are exempt from VAT.

Registration and Documents of Title

All documents of title to investments (e.g. contract notes) will be forwarded to you as soon as is practicable after we receive them. When a number of documents relating to a series of transactions are involved, we will normally hold each document until the series is complete and then forward them to you. We never own the investments which we arrange on your behalf and we will register all investments in your name, unless otherwise agreed in writing.

Complaints

We aim to offer best service in all circumstances to suit the needs and objectives of clients. If you should have any complaints about the service you receive, or a product which you have acquired through us, please contact the Compliance Officer at the address below. Should you remain dissatisfied you may refer the matter to the Financial Ombudsman Service details of which can be provided upon request.

Insurance is maintained by us for the protection of clients. If you make a valid claim against us in respect of the investments we arrange 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 leaflet which we will send you at your request. Further information is available from the Financial Conduct Authority and the Financial Services Compensation Scheme.

We classify all clients as private customers. Clients, who are not individuals, may not have rights under the Financial Ombudsman Service or the Financial Services Compensation Scheme.

Termination

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. Any transactions effected before termination and a due proportion of any charges for services shall be settled up to the date of termination.

Axxis Financial Planning Ltd
Axxis House, 178a High Road, Byfleet, Surrey, KT14 7ED
Telephone: 01483 825 609
Registered in England: Registration Number 226351
Regulated by the Financial Conduct Authority

Privacy Statement

To ensure you are kept fully informed we may contact you by mail, email and other means of communication to provide you with information on your requested service or product. We may also provide you with information, special offers, research, and promotions of other investments, products and services. If at any time you wish us to cease processing your personal data or sensitive personal data, or contacting you for marketing purposes, please contact The Data Protection Officer on 01483 825 609 or in writing at Axxis House, 178a High Road, Byfleet, Surrey, KT14 7ED.

The information you may provide us with is subject to the Data Protection Act 1998. When you register and use our web site or deal through us we will ask you to provide us with certain information including personal data. This information enables us to provide you with the best possible service. We will never share this information with any third party without your express permission and your data will always be managed with reference to all relevant laws and regulations. We may use the data we collect to provide you with information through our web site, emails, communications and other forms.

You may be assured that we and any company associated with us will treat all personal data and sensitive personal data as confidential and will not process it other than for legitimate purposes. Measures will be taken to safeguard against unauthorised or unlawful processing and accidental loss, destruction or damage to the data. Subject to certain exceptions, you are entitled to have access to your personal and sensitive personal data held by us. You may be charged a fee (subject to the statutory maximum) for supplying you with such data.

What are Cookies and how do we use them?

‘Cookies’ are commonly used by many web sites. They are messages given to a web browser by a web server. The message is then stored by the browser in a text file. Each time the browser requests a page from the server, this message is sent back. A cookie’s main objective is to identify users and personalise their visit by customising web pages for them. We use cookies to monitor the way in which you use our web site. They may be used on some ‘interactive’ pages to provide additional functionality or when it is totally necessary to maintain a unique ‘id.’ on your browser whilst you use those pages. If you would prefer not to accept Cookies then you can alter your settings within your web browser. Please visit the help section within your browser for instructions on how to do this.

Security

While we strive to keep the information that you supply secure, please be aware that the Internet is not a fully secure medium. We use secure servers for collecting sensitive information.

External links

We provide links to external web sites and are not responsible for the content of external internet sites.