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

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We offer independent financial advice, but occasions can arise where we, or one of our other customers, will have some form of interest in business that 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 in writing and obtain your consent before we carry out your instructions.

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 based on no more than the amount of commission we are required to return to the company BUT 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.

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 will classify you as a retail client for investment business unless otherwise agreed in writing.

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 LLP cannot be held responsible if the lender withdraws the product before the application is received by the lender. 

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.  

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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