We provide impartial and professional advice to both individual and corporate clients on a wide range of financial services areas. This is backed up with traditional values of quality service and client satisfaction. We also work with other professionals to create a comprehensive solution to our clients’ financial needs. We offer an initial discussion (without charge) when we will describe our services more fully and explain the payment options. If you decide to go ahead, we will gather and analyse personal information about you, your finances, your needs and objectives then recommend and discuss any action we think you should take and, with your agreement, arrange relevant investments for you. We are independent which means we can advise you on the products and services of different companies. The types of products and services we advise on and arrange life assurance and other protection policies, personal pensions, annuities, pension transfers, opting out of occupational schemes, income drawdown and phased retirement plans, investments in authorised unit trusts, individual savings accounts, recognised offshore funds, and other regulated schemes. Our focus is on building long-term relationships with clients and providing the best possible level of service and advice.

 

 

Occasions can arise where we, or one of our other customers, will have some form of interest in business which we are transacting for you. Although this is unlikely, if we become aware that our interests or those of one of our other customers conflict with your interests, we will ensure that you receive fair treatment in accordance with the rules and guidance laid down by the Financial Services Authority.

 

 

Pensions Matter Ltd classifies all clients as Retail Clients, and will endeavour to provide all clients with the level of service and advice that a Retail Client could reasonably expect. However, irrespective of Pension Matter’s classification, any client who would ordinarily be considered to be a Professional Client or Eligible Counterparty may not necessarily have rights under the Financial Ombudsman Service or the Compensation Scheme.

 

 

We normally ask you to give instructions in writing. We may at our discretion accept oral, facsimile or electronic instructions on the condition that written confirmation of any such instruction is issued on the same or next working day as the oral, facsimile or electronic instruction. Pension Matter will issue all documentation and communications in English, and will only accept client communications and instructions in English.

 

 

We are legally obliged to verify the identity and certain other information for all clients as well as recording the source of the funds being invested. We reserve the right, at our absolute discretion, not to proceed with a client’s instructions when we are not reasonably satisfied with the lawfulness of the transaction. We accept no responsibility or liability for the consequences, whether direct or indirect, of any delay or failure to invest funds when our client verification requirements have not been satisfied in full.

 

 

When we have arranged an investment or policy for which you have given us instructions, we will not undertake any regular or periodic review of that investment. You can request that we provide you with a regular or periodic review service, and such arrangement will be subject to a separate written Service Agreement.

 

 

Pensions Matter is remunerated for its services and advice on either a commission basis; a fee basis or on a fee (off-set by commission) basis.

 

Paying by commission (or product charges).

 

If we sell you a financial product, we will normally receive commission on the sale from the product provider. Although you pay nothing up front, that does not mean our service is free. You still pay us indirectly through product charges. Product charges pay for the product provider's own costs or any commission. These charges reduce the amount left for investment. If you buy direct, the product charges could be the same as when buying through an adviser, or they could be higher or lower. We will tell you how much the commission will be before you complete an investment, but you can ask for this information earlier.

 

 

These Terms and Conditions of Business come into force with immediate effect upon delivery. You, or we, may terminate our authority to act on your behalf with immediate effect. This may be done at any time, without penalty, but notice must be given in writing. Termination will be without prejudice to the completion of transactions already initiated. Whenever possible, we will give 30 calendar days notice of any amendments to these Terms and Conditions of Business before transacting business with you, unless it is impractical to do so.

 

 

Pensions Matter Ltd does not handle client money. We never accept 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) or handle cash. Any such cheques received by us will immediately be returned to you by ordinary post to your last known address.

 

 

Cancellation or withdrawal rights may apply depending upon the type of contract and whether the contract was concluded following a face-to-face recommendation or exclusively by one or more means of distance communication. An appropriate notice will be issued to you by the product provider together with confirmation of the contract terms entered into.

 

 

Policies, certificates or other documents showing ownership of your investments will normally be sent directly to you by the product providers concerned but if sent to us they will be forwarded to you as soon as is practical in the circumstances. 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. We do not otherwise offer clients a safe custody service, and accept no liability for the default of any third party to whom you instruct us to forward documents.

 

 

Information provided by you may be held, processed, disclosed and used by ourselves, professional advisers and any associated companies in servicing our relationship with you. However, strict confidentiality will be maintained at all times. It is understood that, unless you notify us otherwise, you agree to the storage, use and disclosure of such information. This information may be disclosed to third party product providers in the course of providing our analysis and servicing of our relationship with you. No information will be passed to another party without your prior consent unless we are legally obliged to do so. You also agree that for the purposes described above your data may be transferred to countries outside the European Economic Area (EEA). We may use and analyse your data, including the nature of your transactions, to provide you with information by post, telephone fax or e-mail to service and update you, as well as informing you of new investment opportunities . If you would prefer to be excluded from these services, please write to us at Lime Grange, Mawsley Lodge, Mawsley, Northamptonshire, NN14 1SW. You have the right to ask for a copy of certain information held by us in our records in return for payment of a small fee. You also have the right to require us to correct any inaccuracies in your information.

 

 

Pensions Matter Ltd is covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Most types of investment business are covered for 100% of the first £30,000 and 90% of the next £20,000, so the maximum compensation is £48,000. Most types of insurance business are covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit. Further information about compensation arrangements is available from the Financial Services Compensation Scheme.

 

 

If you wish to register a complaint, please contact our compliance officer in writing at Lime Grange, Mawsley Lodge, Mawsley, Northamptonshire, NN14 1SW. or by telephone on 01536 799144. We will acknowledge the issue and send you a copy of our internal complaints procedure. The matter will be investigated in line with our procedures and our findings reported to you. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. If you remain unsatisfied following Pensions Matter's investigation of your complaint you may complain directly to the Financial Ombudsman Service, who can be contacted on: 0845 080 1800. Website: www.fi nancial-ombudsman.org.uk

 

 

These terms of business exclude any rights which may be conferred upon third parties by the Contracts (Third Party Rights) Act 1999. These Terms of Business are governed by and shall be construed in accordance with English Law and the parties shall submit to the exclusive jurisdiction of the English Courts.

 

 

Your privacy is important to us. We will only use the information that we collect about you lawfully, in accordance with the Data Protection Act 1998.

 

 

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