Treating Customers Fairly

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We are committed to providing the highest standard of financial advice possible. As a firm we take very seriously the requirements of the FCA, in particular the requirement to treat our clients fairly.
We strive for this in all that we do.

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We undertake that all of our actions will be guided by the principle that the interests of our clients are paramount. Our systems and procedures are designed to place our clients at the heart of our business.

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In our dealings with you:

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• We will be open and transparent in the way we deal with you.

• We will place your interests above ours.

• We will communicate clearly and without the use of jargon.

• We will inform you of our charges before undertaking any work for you.

• We will deal with any complaints promptly and fairly.

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As examples of how the principles and guidelines mentioned above work in practice we set out below details of what you can expect from us.

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When we give advice:

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• We will explain our advice process to you so you understand what is involved.

• Before you incur any costs, we will issue a Terms of Business document, Service Proposition and Adviser Charge Agreement for you to sign that confirms our understanding of your objectives, services to be carried out and our fees.

• We will only recommend suitable investments and other products after gathering sufficient information about your circumstances,
  objectives and attitude towards risk.

• Our advice will always be impartial and in the best interest of our clients.

• We will confirm our advice in writing and in clear concise terms. We will not ask you to decide whether to accept our advice until you have had the opportunity to read our advice letter/report and any other relevant documentation.

• In the event that there is any conflict of interest between us and you we will tell you as soon as we can after becoming aware of it.

• We will keep comprehensive records of our dealings with you.

• Where agreed between us (in our Terms of Business and Service Proposition), we will review your investment and/or pension funds and other financial products and arrange a review meeting with you.