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Gerard Associates Ltd
Gerard Associates Ltd
Global Wealth Managers and Independent Financial Advisers
elilife-insuranceincome-protectionQROPS
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Terms & Conditions of Business

These terms of business will come into effect once accepted by you. I/We have read and understood The Terms of Business Letter of which the below is a copy I/We also confirm reading the 'Keyfacts about our Services''documents, which have been fully understood.




Client Agreement

Gerard Associates Ltd


Commencement

The following agreement will come into in force with immediate effect.


Our Services

We will act on your behalf for the purposes of arranging and advising on pure protection. 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 be obliged to review in the future 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. Gerard Associates Ltd is entered on the FSA register (www.fsa.gov.uk/register) under reference 456234. Our address is:

Gerard Associates Ltd, Hampton House, 115-119 West Street, Bedminster, Bristol BS3 3PD


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. Protection applications will be charged a fee of 49.00 payable to Gerard Associates Ltd.

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

If you choose to pay for our services by commission and we are subsequently obliged to refund the commission paid to us, we reserve the right to charge you the amount refunded without the need for a separate fee agreement. This will not apply where you exercise your statutory right to cancel the contract.

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.

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: Compliance Officer, Gerard Associates Ltd, Hampton House, 115-119 West Street, Bedminster, Bristol BS3 3PD or
by email: info@gerardassociates.co.uk; or
by telephone:. 01884 860061

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. 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

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 Gerard Associates Ltd Hampton House 115-119 West Street Bedminster Bristol BS3 3PD Telephone Number: 01884 860061

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 from time to time contact you by post, fax or e-mail with details of products and services which may be of interest to you

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

This agreement excludes 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 & Welsh Law and the parties of this agreement hereby submit to the exclusive jurisdiction of the English & Welsh Courts.

Declaration
This is our standard client agreement upon which we intend to rely. For your own benefit and protection you should read these terms carefully . If you do not understand any point please ask for further information.


These terms of business will come into effect once accepted by you. I/We have read and understood The Terms of Business Letter of which the above is a copy I/We also confirm reading the 'Keyfacts about our Services' documents, which have been fully understood.






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