HCR Independent Financial Advisers Limited are an Independent Financial Adviser and will act on your behalf advising you on life assurance, pensions, mortgages and investment products offered by different companies.
HCR Independent Financial Advisers Limited are authorised to conduct investment business under the Financial Services & Markets Act 2000 and are regulated by the Financial Services Authority.
Investment Services
HCR Independent Financial Advisers Limited are authorised to advise on and arrange life assurance, pensions, investments in authorised collective investment schemes, and Unit Trust PEPs and ISA's and are bound by FSA Rules.
Statement of Review
When we have arranged any investment 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 should you ask us to do so.
Unsolicited Real Time Financial Promotion
We shall be entitled to make an unsolicited telephone call or personal visit to you regarding products or services that may be of interest, during working hours, only if we have received you consent to do so as indicated. We will not however contact you at times or places when or where you have advised us not to make such contact.
Investment Objectives
Any advice or recommendation made to you will be based upon your stated objectives any restrictions that you wish to place on the advice and attitude to risk.
Restrictions
Unless you advise us to the contrary, we will assume that you do not wish to place any restrictions on the advice that we may provide to you.
We will write to you to confirm the basis and reason for recommending any transaction made on your behalf including details of your investment objectives and any restrictions that you placed on the type of advice, investments or policies that you were willing to consider.
Risk of Investments
You are advised that because investments can fall as well as rise, you may not get back the full amount invested. Past performance is not necessary a guide to future performance.
Material Interests
HCR Independent Financial Advisers Limited offers independent advice, but occasions can arise where we or one of our other clients will have some form of interest in business being transacted for a client. If this happens, we will write to you with details of our interest or those of our other clients and obtain your consent before we carry out your instructions.
Clients Instructions
We require our clients to give us instructions in writing (including faxes & email) to avoid possible disputes. We will, however, accept oral instructions provided they are confirmed in writing.
Financial Services Compensation Scheme
If you make a valid claim against us in respect of the investments we arranged for you and we are unable to meet our liabilities in full you may be entitled to redress from the Financial Services Compensation Scheme. We shall be pleased to provide details of the scheme on request. Further information is available from the Financial Services Authority and the Financial Services Compensation Scheme.
Disclosure of Clients Personal Data
In the conduct of our business with yourself we will need to collect information about you which we will hold as data controllers under the Data Protection Act 1998. We will use this information to analyse your current and future needs so that we can ensure that any advice is suitable to your particular circumstances.
The FSA requires us to keep records of our business transactions for at least three years; life and pension transactions for six years and indefinitely for pension transfers, opt-outs and FSAVC’s. However, we will not keep records longer than is necessary.
You or your appointed agent have the right to inspect all records relating to you and your transactions through ourselves and where appropriate have it corrected or deleted. All such requests for information must be referred to the Date Protection Officer at HCR.
Where other firms authorised under the FSMA 2000 provide investment business services to HCR, then circumstances may arise which warrant the disclosure of more than just your basic contact details. On these occasions you are aware that sensitive personal health details (e.g., health details) held by us may be disclosed on a confidential basis to such authorised companies.
There may also be occasions when the FSA need to look at your personal information and records of transactions held by us, and they may need to contact you directly.
Commission
We derive part of our income from commission paid to us by life assurance companies and the operators of collective investment schemes through which investments are made. We shall tell you the amount of commission payable to us on any such investment. If we receive a commission or other forms of benefit from the issuer of a security or from another intermediary, we will inform you, but we will not tell you its amount unless you ask us to do so. If we propose to charge a fee we will agree its basis with you before we carry out any chargeable work.
Client Money
HCR Independent Financial Advisers Limited does not handle clients’ money.We never accept a cheque made out to us (unless it is a cheque in settlement of charges or disbursements for which we have sent you an invoice) or handle cash.
Complaints
If you should have any complaints about the advice you receive or a product you have bought please contact the Compliance Officer at Stubbers Farm, Mountnessing Road, Blackmore, Essex CM4 0NX, 01277 824744. If you are not satisfied with the results of our internal investigation, you may refer the matter directly to the Financial Ombudsman Service. Full details are contained within our internal complaints procedure which is available to you on request.
Clients Documents
We will make arrangements for all your investments to be registered in your name unless you first instruct us otherwise in writing. We will forward to you all documents showing ownership of your investments as soon as practicable after we receive them; where a number of documents relating to a series of transactions is involved, we will normally hold each document until the series is complete and then forward them to you.
Termination of Terms of Business
You, or we, may terminate these instructions at any time, without penalty. Notice of such termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated that will be completed in according to these terms of business unless otherwise agreed in writing. We shall be entitled to remuneration for work undertaken prior to such termination and any fees that may be outstanding.