Common use of Recording telephone calls Clause in Contracts

Recording telephone calls. To ensure we carry out your instructions accurately, to help us to continually improve our service and in the interests of security, we’ll record and may monitor your telephone communications or conversations with us. Copies of our telephone recordings will be available on request, for a period of 5 years after the recording was made. YOUR OBLIGATIONS This section sets out your obligations in agreeing to receive our services. Providing Information About Your Circumstances Our advice will be based on the information that you give so it’s important that you provide us with accurate and up to date information when we request details about your circumstances and objectives. This will allow us to provide you with suitable advice. If the information you provide is inaccurate or if you limit the information provided this could affect the suitability of the advice we give. Payment For Services All details relating to payment for services will be provided to you within a Services & Payment Agreement. Our initial charges are payable once we’ve completed our agreed work and must be settled within 28 business days – you may decide to pay these charges to us directly, or they may be paid to us by the relevant provider. In some limited circumstances (for protection planning business only) we may receive a commission payment from a product provider. If the commission payment relates to a regular contribution policy and you stop paying premiums on that policy we may be obliged to refund the commission received back to the policy provider. In such cases, we reserve the right to request the full payment of any outstanding balance of charges for our services. Any products we have arranged for you will only be kept under review as part of an ongoing service for which you have agreed to pay. Our ongoing services are optional, but if you agree to an ongoing service, unless otherwise agreed, the ongoing service will be provided as a follow up to the initial service. Our charges for ongoing services will start immediately after the initial charge. Ongoing services can be cancelled at any time by informing us in writing but please note that we do reserve the right to charge you for services we have provided before cancellation. Where our charges are based on a % of your investments, the amount of our ongoing charges may increase as the size of your fund grows, and of course decrease should your fund decline. Legal and Accounting Advice We are not qualified to provide legal or accounting advice or to prepare any legal or accounting documents. This means that the onus is on you to refer any point of law or accountancy that may arise during the course of discussions with us, to a solicitor or accountant.

Recording telephone calls. To ensure we carry out your instructions accurately, to help us to continually improve our service and in the interests of security, we’ll we will record and may monitor your telephone communications or conversations with us. Copies of our telephone recordings will be available on request, for a period of 5 years 3 months after the recording was made. YOUR OBLIGATIONS Legal & Accounting Advice We are not qualified to provide legal or accounting advice or to prepare any legal or accounting documents. This section sets out your obligations in means that the onus is on you to refer any point of law or accountancy, that may arise during the course of discussions with us, to a solicitor or accountant. Payment for our Services By signing this agreement you are agreeing to receive our services. Providing Information About Your Circumstances Our advice will be based on pay the information that you give so it’s important that you provide us with accurate and up to date information when we request details about your circumstances and objectives. This will allow us to provide you with suitable advice. If the information you provide is inaccurate or if you limit the information provided this could affect the suitability of the advice we give. Payment For Services All details relating to payment for services will be provided to you within a Services & Payment Agreement. Our initial charges are payable once we’ve completed our agreed work and must be settled within 28 business days – you may decide to pay these charges to us directly, or they may be paid to us by the relevant provider. In some limited circumstances (for protection planning business only) we may receive a commission payment from a product provider. If the commission payment relates to a regular contribution policy and you stop paying premiums on that policy we may be obliged to refund the commission received back to the policy provider. In such cases, we reserve the right to request the full payment of any outstanding balance of charges for our servicesservices as set out in our Client Authority Form. All fees will be confirmed in writing and we will tell you if you have VAT to pay. Any products we have arranged for you will only be kept under review as part of an ongoing service for which you have agreed to pay. Our ongoing services are service is optional, but if you agree to purchase an ongoing service, unless otherwise agreed, the ongoing service will be provided as a follow up to the initial service. Our charges for ongoing services service will start immediately after once the initial chargeportfolio is setup and invested. Our charges are payable within (30 days of the end of the relevant period. Ongoing services can be cancelled at any time by informing us in writing but please note that we do reserve the right to charge you for services we have provided before cancellation. Where our charges are based on a % percentage of your investments, the amount of our ongoing charges may increase as the size of your fund grows, . In some circumstances we may receive ongoing payments (commission) from product providers relating to existing investments you hold. Such payments may be taken into account when determining the charges for ongoing services. We will discuss and agree this with you where relevant. Investments Settling your adviser charge in a single payment You will be required to settle the payment of course decrease should your fund decline. Legal and Accounting Advice We are not qualified to provide legal or accounting advice or to prepare any legal or accounting documentsadviser charge on completion of our work within 30 days. This means may be paid by cheque, but we do not accept payment by cash. Alternatively, if you buy a financial product the adviser charge may be paid through your recommended product. If you choose to have your adviser charge deducted from the product, you do not pay anything up front but that does not mean that our service is free. You still pay us indirectly through the onus deduction from the amount you pay into your product. This deduction will pay towards the settling the adviser charge and could reduce the amount left for investment. Settling your adviser charge by instalments (regular premium contracts only) If you buy a financial product to which you will be making regular payments, you can choose to have your adviser charge deducted from the product through instalments. Although you pay nothing up front, that does not mean that our service is on free. You still pay us indirectly through deductions from the amount you pay into your product. These deductions will pay towards the settling the adviser charge and could reduce the amount left for investment. If you fail to refer keep up with your payments to the product you have bought, or cancel the product, before the adviser charge is paid in full we reserve the right to request full payment of any point outstanding balance of law or accountancy that may arise during the course of discussions with us, to a solicitor or accountantadviser charge.

Recording telephone calls. To ensure we carry out your instructions accurately, to help us to continually improve our service and in the interests of security, we’ll we will record and may monitor your telephone communications or conversations with us. Copies of our telephone recordings will be available on request, for a period of 5 years 3 months after the recording was made. YOUR OBLIGATIONS Legal & Accounting Advice We are not qualified to provide legal or accounting advice or to prepare any legal or accounting documents. This section sets out your obligations in means that the onus is on you to refer any point of law or accountancy, that may arise during the course of discussions with us, to a solicitor or account. Payment for our Services By signing this agreement you are agreeing to receive our services. Providing Information About Your Circumstances Our advice will be based on pay the information that you give so it’s important that you provide us with accurate and up to date information when we request details about your circumstances and objectives. This will allow us to provide you with suitable advice. If the information you provide is inaccurate or if you limit the information provided this could affect the suitability of the advice we give. Payment For Services All details relating to payment for services will be provided to you within a Services & Payment Agreement. Our initial charges are payable once we’ve completed our agreed work and must be settled within 28 business days – you may decide to pay these charges to us directly, or they may be paid to us by the relevant provider. In some limited circumstances (for protection planning business only) we may receive a commission payment from a product provider. If the commission payment relates to a regular contribution policy and you stop paying premiums on that policy we may be obliged to refund the commission received back to the policy provider. In such cases, we reserve the right to request the full payment of any outstanding balance of charges for our servicesservices as set out in our Client Authority Form. All fees will be confirmed in writing and we will tell you if you have VAT to pay. Any products we have arranged for you will only be kept under review as part of an ongoing service for which you have agreed to pay. Our ongoing services are service is optional, but if you agree to purchase an ongoing service, unless otherwise agreed, the ongoing service will be provided as a follow up to the initial service. Our charges for ongoing services service will start immediately after once the initial chargeportfolio is setup and invested. Our charges are payable with (30 days of the end of the relevant period. Ongoing services can be cancelled at any time by informing us in writing but please note that we do reserve the right to charge you for services we have provided before cancellation. Where our charges are based on a % percentage of your investments, the amount of our ongoing charges may increase as the size of your fund grows, . In some circumstances we may receive ongoing payments (commission) from product providers relating to existing investments you hold. Such payments may be taken into account when determining the charges for ongoing services. We will discuss and agree this with you where relevant. Investments Settling your adviser charge in a single payment You will be required to settle the payment of course decrease should your fund decline. Legal and Accounting Advice We are not qualified to provide legal or accounting advice or to prepare any legal or accounting documentsadviser charge on completion of our work within 30 days. This means may be paid by cheque, but we do not accept payment by cash. Alternatively, if you buy a financial product the adviser charge may be paid through your recommended product. If you choose to have your adviser charge deducted from the product, you do not pay anything up front but that does not mean that our service is free. You still pay us indirectly through the onus deduction from the amount you pay into your product. This deduction will pay towards the settling the adviser charge and could reduce the amount left for investment. Settling your adviser charge by instalments (regular premium contracts only) If you buy a financial product to which you will be making regular payments, you can choose to have your adviser charge deducted from the product through instalments. Although you pay nothing up front, that does not mean that our service is on free. You still pay us indirectly through deductions from the amount you pay into your product. These deductions will pay towards the settling the adviser charge and could reduce the amount left for investment. If you fail to refer keep up with your payments to the product you have bought, or cancel the product, before the adviser charge is paid in full we reserve the right to request full payment of any point outstanding balance of law or accountancy that may arise during the course of discussions with us, to a solicitor or accountantadviser charge.