Advisers United.com - Terms of Business
Our permitted business is advising on, making arrangements in and arranging (bringing about) savings, investments, non-investment insurance contracts, regulated mortgage contracts (including lifetime mortgages and home reversion plans) and pensions, including the specialist activities of pension transfers and pension opt outs. You can check this on the Financial Services Authority Register by visiting the Financial Services Authority’s web site www.fsa.gov.uk/register/ or by contacting the Financial Services Authority on 0845 606 1234. Their address is 25 The North Colonnade, Canary Wharf, London, E14 5HS.
Roberts Clark Independent Financial Solutions Limited is a limited company registered in England. Our registered number is 3981121 and registered office address is Prosperity House, Water Street, Burntwood, Staffordshire, WS7 1AN. Our VAT number is GB 748 2866 87.
Roberts Clark Independent Financial Solutions Limited is a licenced credit broker. Our Consumer Credit Licence number is 568030.
AdvisersUnited.com and Associated Sites
AdvisersUnited.com and associated sites (“the sites”) are trading styles of Roberts Clark Independent Financial Solutions Limited (“we” and “us”).
Access and use of the sites is subject to the following terms of use and the other associated documents detailed on this page.
By accessing the sites you signify your acceptance of these terms of use and the other associated documents.
You must not use the sites if you do not accept the terms of use and other associated documents.
If you do use the sites, your conduct indicates that you agree to be bound by the terms of use and associated documents.
We recommend you save or print a copy of these terms of use and other associated documents for your records.
The associated documents that form part of this terms of business are:
These terms of business replace all previous terms of use for the sites.
We may change or withdraw any part of the sites (including these terms of business) at any time, with or without prior notice. You should check the date the terms of use were last updated regularly.
General Terms
These Terms Of Business relate to purchases of compliance based products and services by finance professionals. It also relates to the referral of clients to us by finance professionals for financial services advice and/or product purchases.
All training and compliance services undertaken by Roberts Clark on behalf of finance professionals will be in accordance with the written quotation and terms agreed, together with these Terms Of Business.
If these Terms Of Business are modified, an updated version will be sent to you where work is in progress. Unless absolutely necessary, the existing Terms Of Business in place will not be varied for the works in progress. If it is necessary to amend the existing terms, you have the right to end Roberts Clark’s appointment and we will undertake no further works. You will be expected to pay for any works undertaken to the date of the change, which will be detailed in writing to the client by Roberts Clark.
Quotations for works to be undertaken by Roberts Clark on behalf of clients are valid for one calendar month. Roberts Clark reserves the right to amend the terms and fees at that point.
Fees, Travelling And Subsistence
Fees are quoted to clients in respect of the works to be undertaken. These fees will not change, except as mentioned above.
Roberts Clark reserves the right to change the rates for fees, depending on the consultant undertaking works for a client. These will always be notified in writing and clients will be required to sign their acceptance of the fees.
Travelling and subsistence expenses are not included in the fees quoted by Roberts Clark, unless otherwise stated. If these are to be charged, they will be agreed with clients in writing before works commence and charged at cost.
Roberts Clark may require a deposit from clients, depending on the nature and extent of works to be undertaken. If this is the case, it will be agreed with clients in writing first. Otherwise, Roberts Clark will raise invoices on a weekly basis, for settlement within 14 days.
Where invoices are not settled in full within 14 days, Roberts Clark reserves the right to charge interest at a rate of 2% above the Bank Of England base rate, from the 31st day after the invoice date.
Termination
Any agreement between Roberts Clark and a client can be terminated by either party by giving one month’s written notice. This will not prejudice any works in progress and clients agree to pay for the works completed to date.
Privacy And Confidentiality
Roberts Clark will not disclose any information regarding the business details or circumstances of a client and will keep it confidential, unless required to disclose it by regulation or law.
Unless otherwise agreed, you give Roberts Clark their permission to use your company name and/or generic details of the works undertaken by Roberts Clark for publicity purposes. Roberts Clark may ask permission of clients to provide confirmation to prospective clients of their satisfaction with the works undertaken on their behalf by Roberts Clark.
Roberts Clark reserves the right to outsource client works to another suitably qualified and experienced firm. If this is the case, clients will be notified in writing and the other firm will confirm that they will work to the same quotation and terms that have already been agreed. If the other firm cannot confirm this, clients will be notified in writing with the option to terminate any agreement or quotation for works.
Any consultant undertaking works on behalf of a client will observe the requirements of the relevant regulator or professional body.
Roberts Clark works within the Code of Ethics laid down by the Compliance Institute. The directors are also associates and fellows of the Personal Finance Society, are Chartered Financial Planners and adhere to the respective Codes of Conduct and Practice.
Liability
All advice, recommendations, information and guidance provided to a client by Roberts Clark is given in good faith and based on the information available at that time. Where this relates to regulation, relevant information to advise and guide will have been obtained from the Financial Services Authority rules and guidance.
Roberts Clark expects all clients to provide all information necessary in order for works to be carried out to the satisfaction of both parties.
For Financial Services Authority authorised and regulated clients, please be aware that even though you are engaging external training and compliance consultants, it is solely the regulated firm’s responsibility to ensure compliance with the rules for your particular firm. The FSA will not allow persons carrying out “significant influence functions” to decline responsibility and pass blame on for any rule breach to training and compliance consultants they have engaged.
Roberts Clark therefore recommends that clients thoroughly investigate and research your intended training and compliance consultancy firm and satisfy yourself of their competence to complete the works you require.
Roberts Clark is happy to provide references from satisfied clients, where these are required. We are a fully FSA authorised and regulated firm and, as a result, we have to comply with the same rules as our clients. We believe this demonstrates our competence to provide reliable and accurate recommendations and advice.
Privacy
When undertaking works on behalf of clients, we will need to collect information, 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 training and compliance consultancy works are suitable to your particular circumstances.
We will not keep records regarding clients longer than is necessary. Clients have the right to inspect all records relating to them and any works carried out by Roberts Clark and, where appropriate, have it corrected or deleted (if the deletion would not be a breach of any known regulations). All such requests for information must be referred to the Data Protection Officer at Roberts Clark.
Roberts Clark treats all client records as confidential and so reserves the right to give you copies of your particular records rather than allowing access to files containing records about other clients.
There may also be occasions when the FSA need to look at the personal information of clients and records of transactions held by Roberts Clark. They may need to contact you directly.
Clients’ personal and company information and circumstances will not be disclosed to any other parties, unless otherwise agreed.
Introducing Clients to us
Where you introduce clients to us for financial services advice and/or product purchases, all dealings will be in accordance with our Introducer Agreement. You will be provided with this document upon your first client introduction and it will remain in force until updated.
Money Laundering
We have certain responsibilities under Money Laundering Regulations to verify the identity of clients you introduce to us and will need to make certain enquiries and obtain certain information for that purpose. You confirm that all information you supply will be accurate and that we may pass on such information, as we consider necessary to comply with any legal or regulatory reporting obligations we have.
You agree that we may disclose to the Financial Services Authority and to any other regulatory authority to which we are subject and to any person empowered to require such information by or under any legal enactment, any information they may request or require relating to you or, if relevant, any of your clients.
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