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We have a Portfolio Management Service (PMS), available to all our clients.

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We will classify you as a retail client for investment business unless otherwise agreed in writing.
 
In relation to an insurance policy IF YOU SUBSEQUENTLY CEASE TO PAY PREMIUMS ON THE POLICY, OR CANCEL THE POLICY and in consequence we are obliged to refund commission that has been paid to us, WE RESERVE THE RIGHT TO CHARGE YOU A FEE representing the amount we have to repay, for a period of up to four years after commencement of the policy. We will confirm the exact amount that will need to be repaid by you and the timescale over which it will need to be repaid in the suitability report we will send you when a recommendation is made. WE WILL NOT CHARGE A FEE IF YOU EXERCISE YOUR RIGHT TO CANCEL THE POLICY IN ACCORDANCE WITH THE CANCELLATION NOTICE SENT TO YOU BY THE LIFE OFFICE.
 
When we have arranged any investments for which you have given instructions, we will not give you any further advice unless you request it, but will be glad to advise you at any time you ask us to do so.
 
We prefer instructions to be given to us in writing to avoid any possible disputes.  If any instructions are given orally then they should be confirmed in writing.  We may refuse at our discretion to accept certain instructions, although such discretion will not be exercised unreasonably.
 
We keep records of all your transactions for at least six years.  You, or your appointed agent, have the right to inspect the records at a mutually convenient time.  As we treat all our clients’ records as confidential, we reserve the right to give you copies of our records where in certain circumstances to release the original would compromise other clients’ confidentiality.
 
We will register all investments in your name unless otherwise agreed in writing.  All contract notes and documents of title in respect of your investment will be forwarded to you, unless otherwise instructed in writing, as soon as practicable after being received by us.  Where a number of documents relating to a series of transactions are involved, we will normally retain the documents until the series is complete and then we will forward them to you.
 
You, or we, may terminate our authority to act on your behalf under these terms of business at any time, without penalty.  Notice of this termination must be given in writing and will take effect immediately upon receipt of the notice.  Termination will not prejudice the completion of transactions already initiated on your behalf or any rights or obligations already arising. You will be liable to pay for any transactions made prior to termination and any fees outstanding, if applicable.
 
We never accept a cheque made out to us (unless it is a cheque in settlement of our charges or disbursements for which we have sent you a fee note) or handle cash.
We are required by the anti-money laundering regulations to verify the identity of our clients, to obtain information as to the purpose and nature of the business which we conduct on their behalf, and to ensure that the information we hold is up-to-date. For this purpose we may use electronic identity verification systems similar those used for credit checks and we may conduct these checks from time to time throughout our relationship, not just at the beginning.
 
Special Mortgage Offers
Where a particular mortgage product at a special interest rate is being recommended, every effort will be made to obtain the product, however as products can be withdrawn with little or no notice, Chadney Bulgin cannot be held responsible if the lender withdraws the product before the application is received by the lender.
Conflict of interest
We will endeavour always to act in the best interests of our clients.   However, circumstances can arise where we or one of our other customers may have some form of interest in business being transacted 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 write to you and obtain your consent before we carry out your instructions, and detail the steps we will take to ensure fair treatment.
 
Best execution
In executing or transmitting orders on your behalf to third parties, we will take all reasonable steps to ensure that we obtain the best possible result for you in terms of best execution
Data Protection Act
We will treat all your personal information as private and confidential (even if you are no longer a client) except where we are permitted by law or where the disclosure is made at your request or with your consent in relation to arranging your mortgage.  After completion of your mortgage, we may need to contact your mortgage lender on your behalf to obtain information.  By signing this letter you are giving authority to approach your lender for any information and to discuss any aspect of your mortgage account.  
Your personal information is very important to us.   We will endeavour to take all due care to protect this information.  We would like to highlight below a few matters relating to your information that you should be aware of.
Some services are provided to Chadney Bulgin LLP by third parties such as processing business or obtaining compliance or regulatory advice, which warrant the disclosure of more than just your basic contact details.  You agree that personal information held by Chadney Bulgin LLP may be disclosed on a confidential basis, and in accordance with the Data Protection Act 1998, to any such third parties.  You also agree that this information may be transferred electronically, e.g. email and you agree that ourselves, or any such third party, may contact you in future by any means of communication which we consider appropriate at the time.
Product Providers, Lenders and Investment Managers may administer your policy, any existing policies you may have with them and provide other services, from centres in countries outside Europe (such as India and the USA) that do not always have the same standard of data Protection laws as the UK. However, they are required to put a contract in place to ensure that your information is adequately protected, and they will remain bound by their obligations under the Data Protection Act even when your personal information is processed outside Europe.
Risk Warnings
Please be aware that investments can fall as well as rise, and that you may not get back the full amount invested.   The price of investments we may recommend may depend on fluctuations in the financial markets, or other economic factors, which are outside our control.   Past performance is not necessarily a guide to future performance. Specific warnings relevant to the investments, or investment strategies, we recommend will be confirmed to you in your Suitability Report.
Cancellation
In most cases you can exercise a right to cancel, by withdrawing from the contract recommended to you.  In general terms you will normally have a 30 day cancellation period for a pure protection policy and payment protection contracts and a 14 day cancellation period for all other policies.  Additionally, in most instances you will not be able to exercise a right to cancel a mortgage contract, unless the contract is concluded at a distance (i.e. no face to face advice), at which point you will have a 14 day cancellation period. Finally, any contracts arranged at your explicit consent (normally referred to as “execution only”) do not provide cancellation rights.
The start of the cancellation period will normally begin, for pure protection policies, when you are informed that the contract has been concluded or, if later, when you have received the contractual terms and conditions. In other cases, the cancellation period will begin on the day the contract is concluded or, if later, the day on which you receive the contractual terms and conditions. Instructions for exercising the right to cancel, if applicable, will be contained in the relevant product disclosure information which will be issued to you.

By signing these Terms and Conditions of Business:
 
1. You agree that the information we hold about you can be held on computer and/or paper files.
2. You agree that any information which you give us may be disclosed to third parties (e.g. credit reference agencies and product providers) for the purpose of processing your application or to another firm upon the sale of all or part of our business.
3. You agree that we may use the information that we hold about you to contact you from time to time by post, fax, e-mail or telephone to bring to your attention additional products or services which may be of benefit to you.
4. We agree that any consent given by you under paragraph 3 above may be withdrawn by you at any time by contacting us in writing at 89 Fleet Road, Fleet, Hants GU51 3PJ.

 

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