Our client agreement

Please take time to read our Client Agreement. The following terms will come into force with immediate effect.

Our services

We will act on your behalf for the purposes of arranging and advising on life assurance, investments, pensions, insurance and mortgages. Under the terms of Financial Services Authority regulation, we will classify you as a Retail Client for investment business and will act in your best interests at all times.

We may also advise on products and services which are not regulated by the Financial Services Authority. We will tell you where this is the case.

Unless agreed otherwise in writing we will not review any investment or policy that we have arranged for you.

We are authorised and regulated by the Financial Services Authority (FSA). The FSA is the independent regulator of financial services in the United Kingdom. Apollo Pension & Investment Advisers is entered on the FSA register (www.fsa.gov.uk/register) under reference 470611. Our address is:

National Pension Advice & Transfer Bureau is a trading style of Apollo Pension & Investment Advisers, Christchurch House, Beaufort Court, Sir Thomas Longley Road, Rochester, Kent , ME2 4FX

How we charge you for our services

You have the option to pay for our services by way of a fee, in which case the amount will be agreed with you before we carry out any chargeable work. Alternatively we can be paid commission on a product we arrange. We will tell you about how much commission we receive.

We will provide you with further details about the cost of our services separately.

It is possible that other costs, including taxes (e.g. stamp duty) related to the business we arrange, may arise. These costs will not be paid by our firm but borne by you.

If we receive any other form of benefit in connection with our services to you we will disclose this to you.

Your protection

We prefer instructions to be in writing. If instructions are given verbally they should also be confirmed in writing. We may refuse at our discretion to accept certain instructions, although such discretion will not be exercised unreasonably.

Except in respect to settlement of our invoices for agreed fees, cheques should be made payable to the product providers only. We do not accept cash payment.

We will normally register all products and/or investment in your name unless otherwise instructed in writing. In certain circumstances products and/or investments may be registered in the name of a nominee company, for your ease of administration, although you will remain the beneficial owner of those products and/or investments.

If we become aware that our interests or those of one of our clients conflicts with your interests, we will inform you in writing and obtain your consent prior to proceeding with your instructions.

Risk warnings

We will communicate appropriate risk warnings prior to providing products or services. These are for your benefit and you should understand the risks before making any investment.

Complaints and compensation

Our clients value the service we provide and often recommend us to others. In the unlikely event that you are not satisfied and wish to register a complaint, please contact us either:

In writing: Complaints Department, Apollo Pension & Investment Advisers, Christchurch House, Beaufort Court, Sir Thomas Longley Road, Rochester, Kent . ME2 4FX.
Or by email: chris.barker@pensionbureau.com
Or by telephone on 0333 1234 400

Our written complaints procedure is available upon request. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (FOS). Further information about the FOS is available from their website:
www.financial-ombudsman.org.uk.

If we cannot meet our obligations you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS). This depends on the type of business and the circumstances of the claim.

Deposit business is covered for 100% of £50,000 so the maximum compensation is £50,000.

Most investment business is covered for 100% of the first £30,000 and 90% of the next £20,000 so the maximum compensation is £48,000.

Insurance business may be covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit. For compulsory classes of insurance (e.g. motor or employers liability insurance), advising and arranging is covered for 100% of the claim, without any upper limit.

Mortgage services may be covered for 100% of the first £30,000 and 90% of the next £20,000 so the maximum compensation is £48,000.

Further information about the FSCS is available from their website www.fscs.org.uk.

Termination

This client agreement may be terminated at any time, by either party. Notice of termination must be given in writing and will take effect immediately upon receipt. Termination will be without prejudice to the completion of transactions already commenced on your behalf or any rights or obligations already arising. You would be expected to pay for any costs incurred or a due proportion of any fees previously agreed.

Data Protection and collection of data

In order to provide you with products and services we need to gather personal and financial information about you. This includes information obtained from you or third parties, such as employers and credit reference agencies, fraud prevention agencies or other organisations. This may include sensitive information about racial or ethnic group, physical or mental health, sexual life, criminal proceedings and offences.

Access

You have the right to access information we hold about you. You can access a copy of these records by contacting us. Contact details are as follows:

Data Protection Officer
Apollo Pension & Investment Advisers, Christchurch House, Beaufort Court, Sir Thomas Longley Road, Rochester, Kent. ME2 4FX. Telephone: 0333 1234 400

We are entitled to charge a fee for this service of up to £10. If any of the information we hold is incomplete or inaccurate please tell us and we will correct it.

Use of data

Personal information will be kept for compliance and monitoring purposes. Information may be passed to other financial firms in the course of providing services. We may provide information to our regulators and their successor. We may also provide information to our auditors and professional advisers for business purposes.

We may from time to time contact you by post, fax, e-mail or text with details of products and services which may be of interest to you. If you do not wish to be included in unsolicited contact then please make this known by telling your adviser, or contacting our office, so we can amend our systems accordingly.

We shall disclose information to relevant authorities where we are required to do so by law.

We are legally obliged to verify the identity of our customers and retain these records.

We will retain records after our business relationship has ended for legal and regulatory purposes.

Rights of third parties

These terms of business exclude any rights which may be conferred upon third parties by the Contracts (Rights of Third Parties) Act 1999.

Jurisdiction

This agreement is governed by English law and the parties of this agreement hereby submit to the exclusive jurisdiction of the English courts.