Please find below our Key Facts
also known as our initial
Disclosure document IDD.
This
document can be downloaded and
kept by clicking "Key Facts" the
link below. To view it in this
format you
will need to have Adobe Acrobat
reader which can also be
downloaded below.
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about our services
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Invest & Protect LTD
45 Market Street, Hoylake,
Wirral, Merseyside, CH47 2BQ
1. The Financial Services
Authority (FSA)
The FSA is the independent
watchdog that regulates
financial services. It requires
us to give
you this document. Use this
information to decide if our
services are right for you.
2. Whose products do we
offer?
Investment
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We offer products from
the whole market.
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We can only offer
products from a limited
number of companies.
Ask us for a list of the
companies and products
we offer.
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We can only offer
products from a single
group of companies.
Ask us for a list of the
companies and products
we offer.
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Insurance
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We offer products from a
range of insurers for
term assurance, critical
illness, income
protection. |
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We can only offer
products from a limited
number of insurers for
term assurance, critical
illness, income
protection. Ask us for a
list of the insurers we
offer insurance from.
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We can only offer
products from for term
assurance, critical
illness, income
protection. |
3. Which service will we
provide you with?
Investment
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We will advise and make
a recommendation for you
after we have assessed
your needs. |
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You will not receive
advice or a
recommendation from us.
We may ask some
questions
to narrow down the
selection of products
that we will provide
details on. You will
then
need to make your own
choice about how to
proceed.
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We will provide basic
advice on a limited
range of stakeholder
products and in order to
do this we will ask some
questions about your
income, savings and
other circumstances
but we will not:
• Conduct a full
assessment of your
needs;
Offer advice on whether
a non-stakeholder
product may be more
suitable |
Insurance
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We will advise and make
a recommendation for you
after we have assessed
your
needs for [term
assurance, critical
illness, income
protection. |
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You will not receive
advice or a
recommendation from us
for term assurance,
critical illness, income
protection.
We may ask some
questions to narrow down
the selection of
products that we will
provide details on. You
will then need to make
your own choice about
how to proceed.
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4. What will you have to pay
us for our services?
Investment
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Before we provide you
with advice, we will
give you our keyfacts
guide ‘about the
cost of our services’ |
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We will tell you how we
get paid, and the
amount, before we carry
out any
business for you. |
Insurance
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A fee. |
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No fee
will be charged to you
by us. We will however
receive a commission
from the product
provider.
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5. Who regulates us?
Invest & Protect LTD is
authorised and regulated by the
Financial Services Authority.
Invest & Protect Ltd FSA
register number is
439830.
Invest & Protect LTD permitted
business is advising and
arranging life insurance,
pensions and investments.
You can check this on the FSA’s
Register by visiting the FSA’s
website
www.fsa.gov.uk/register
or by contacting the FSA on 0845
606 1234.
6. What to do if you have a
complaint
If you wish to register a
complaint, please contact us:
In writing: Write to Invest &
Protect LTD 45 Market Street
Hoylake Wirral CH47 2BQ.
By phone: Telephone 0845 539 04 04.
If you cannot settle your
complaint with us, you may be
entitled to refer it to the
Financial Ombudsman Service.
7. Are we covered by the
Financial Services
Compensation Scheme (FSCS)?
We are covered by the FSCS. 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.
Investment
Most types of investment business are covered for 100%
of the first £50,000.
Insurance
Insurance advising and arranging is covered for 90% of
the whole claim.
Mortgages
Mortgage advising and arranging is covered for 100% of the first £50,000.
Further information about compensation scheme
arrangements is available from the FSCS.
8. Terms of business
Commencement date
This Terms of Business comes
into effect on reading.
How we act for you
We prefer our clients to give us
instructions in writing to avoid
possible disputes. We will,
however, accept oral
instructions providing they are
subsequently confirmed in
writing.
Any advice we give you will
normally be in writing, but if
given orally will be recorded on
your file.
Where any recommendation we
make, or transaction we
undertake for you, results in a
right to
cancel the policy under certain
conditions, we will advise you
of these rights. We will also
tell
you if you do not have a right
to cancel the arrangement.
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. If this
happens, or we become aware that
our
interests, or those of one of
our other customers, conflict
with your interests, we will
inform
you and obtain your consent
before we carry out your
instructions.
When we arrange investments for
you we will register these in
your name unless otherwise
agreed in writing. Additionally,
we will ensure you receive
either a contract note,
documents of
title, or certificates
evidencing title. All such
paperwork will be forwarded to
you by post as
soon as possible after we
receive them. Where a number of
documents relating to a series
of transactions is involved, the
documents will normally be
retained until the series is
completed.
Investment risk
All investments carry a degree
of financial risk which will
tend to increase in proportion
to the
potential rate of return on the
investments. Any product which
is directly or indirectly
invested
in assets which may fall in
value (for example equities) may
itself fall in value along with
any
decrease in value of those
assets. Before entering into any
investment agreement, you must
ensure that you understand the
risk associated with the product
and are content to accept
that level of risk.
We do not handle client
monies
Crossed cheques for premiums or
investment monies can only be
made payable directly to
the product provider. No
premiums or investment monies of
any kind should be paid or made
payable to anyone else.
You should therefore decline to
give any money to, or write
cheques payable to Invest &
Protect Ltd Invest & Protect Ltd
Registered Individuals.
Appointed Representatives and
Registered Individuals are not
to handle client money any
receipt by them of such a
payment
from you will not be regarded by
Invest & Protect LTD as being a
transaction for which Invest
& Protect LTD will have any
responsibility.
Contact
Once we have acted upon your
instructions we will not
normally give you further
advice.
However, we may review our
record of your investments and
policies periodically and
contact
you to suggest that we arrange a
review meeting. We will,
however, be pleased to advise
you
at any time should you require
further assistance.
We like to keep our customers
informed of products and
services we offer which may be
of
interest to them, therefore,
from time to time we may forward
marketing material to you, or
contact you by telephone.
Termination of this agreement
You, or we, may terminate our
authority to act on your behalf
at any time without penalty.
Notice of this termination must
be given in writing by first
class post. It will be deemed to
be
received 2 business days after
being posted.
Any business currently being
completed will be completed
unless we receive your
instructions
to the contrary.
Any fees outstanding at the date
of termination will be due
within four weeks of the
termination
date.
Law
These Terms of Business are
governed and shall be construed
in accordance with English law
and the parties shall submit to
the exclusive jurisdiction of
the English Courts.
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