These Terms and Conditions govern the provision of our financial services in accordance with FCA regulations and applicable UK law.
Last updated: January 2025
Effective date: January 2025
These Terms and Conditions ("Terms") govern the relationship between you ("Client") and our company ("we", "us", "our") in relation to the provision of financial services. By engaging our services, you agree to be bound by these Terms.
Company Name: [Your Company Name]
FCA Registration Number: [FCA Reference Number]
Registered Address: [Company Address]
Authorized Activities: Investment advice, portfolio management, dealing in investments
Regulatory Status: Authorized and regulated by the Financial Conduct Authority
We are bound by the FCA's rules and regulations, which are designed to protect consumers. You can verify our regulatory status at www.fca.org.uk/register.
We provide the following regulated financial services:
Under FCA rules, we are required to categorize clients. This affects the level of protection you receive:
Individuals and small businesses receive the highest level of regulatory protection, including access to the Financial Ombudsman Service and Financial Services Compensation Scheme.
Certain entities with relevant experience and knowledge may be classified as professional clients with reduced regulatory protections.
Large institutional clients may be treated as eligible counterparties with minimal regulatory protections.
We will inform you of your client categorization and you have the right to request different categorization where eligible.
Before providing services, we must:
For investment advice and portfolio management, we conduct suitability assessments to ensure recommendations match your circumstances and objectives.
For execution-only services, we assess whether you have the necessary knowledge and experience to understand the risks involved.
Our fees are transparent and will be clearly disclosed before you engage our services:
The value of investments can go down as well as up and you may not get back the amount originally invested.
Past performance is not a guide to future performance and may not be repeated.
As our client, you have the following obligations:
Step 1: Contact us directly at complaints@northpropertyltd.co.uk
Step 2: We will acknowledge your complaint within 3 business days
Step 3: We aim to resolve complaints within 8 weeks
Step 4: You will receive a final response or explanation of delay
If you are not satisfied with our response, you may be entitled to refer your complaint to:
Financial Ombudsman Service
Exchange Tower, London E14 9SR
Tel: 0800 023 4567
Website: financial-ombudsman.org.uk
We are covered by the FSCS, which may provide compensation if we cannot meet our obligations:
Protection Level: Up to £85,000 per client
Coverage: Deposits, investments, insurance
Website: fscs.org.uk
These Terms and Conditions are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the English courts.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
For questions about these Terms and Conditions or our services, please contact us:
Email: info@northpropertyltd.co.uk
Phone: +44 (0) 20 1234 5678
Address: Your Company Name, Address Line 1, Address Line 2, City, Postcode
Email: compliance@northpropertyltd.co.uk
Phone: +44 (0) 20 1234 5679
Complaints: complaints@northpropertyltd.co.uk