Our advice Clause Samples
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Our advice. The expression “non legal matter” when used in this section and in the ‘Standard of care and liability’ section below includes, without prejudice to the generality of the foregoing, advice as to accounting, auditing, underwriting or insurance practice, management, valuation, whether in regard to real estate or otherwise, marketing, auctioneering, estate agency, business, commerce, banking, finance or investment. Changes in the Law. Our advice is given on the basis of the laws in force in Trinidad and Tobago at the date of that advice. Unless you expressly instruct us in writing to do so we are under no obligation to advise, and accept no responsibility whatsoever for advising, in relation to subsequent changes in the laws of Trinidad and Tobago, and the effect, if any, on you. It is possible that changes may occur in the law and its interpretation before our advice is acted upon. We accept no responsibility for any changes in the law or its interpretation that occur subsequent to our advice being delivered to you. No independent investigation. Our responsibility is limited to responding to specific instructions received from you, or on your behalf, by your professional advisers or agents, and we are under no obligation to investigate or verify independently the accuracy or completeness of such instructions. If we are obliged to make any assumptions as to matters of fact, or the laws of any jurisdiction other than Trinidad and Tobago, we may rely entirely upon those assumptions without independent verification. Standard of care and liability. Subject to these terms and conditions, the standard of care which we shall exercise (to the exclusion of all other standards implied by law or otherwise, if any, to the utmost extent permitted by law) shall be that of a reasonably competent Trinidad and Tobago lawyer practising in Trinidad and Tobago at the relevant time.
Our advice. We offer independent investment advice. This means that we consider a wide range of financial strategies and products. We are constantly reviewing the market to ensure that the services and products we offer are appropriate for our clients. Where we recommend particular investment strategies and products to you, these will be selected based on your personal circumstances, financial goals and objectives. We’ll consider a number of factors, including the services you need, the cost of investing, how much risk you are prepared to accept in an investment product and how much of a drop in its value you could withstand. The areas we can advise on include: Life assurance Unit trusts Investment bonds Open ended investment companies Pensions ISAs Annuities Term assurance Phased retirement & income drawdown Critical illness cover Long term care Income protection We don’t provide advice in relation to individual share holdings. If this is something you need assistance with, we can refer you to a stockbroker. We don’t provide advice on options, futures and other derivative contracts as we believe that these are unlikely to be suitable for our clients For further details please refer to our client prospectus. Where we provide protection planning services we are an insurance intermediary and will provide advice which is based on a fair and personal analysis of the market.
Our advice. You acknowledge and agree that our advice is just that; that our advice is not a guarantee of success; and that you are the party that must reach and implement your own decisions about how to operate your Franchised Business on a day-to-day basis under the System.
Our advice. 58.1 We advise you to:
(a) advise us promptly when you are in financial difficulty; and
(b) carefully read these General Conditions, the Schedule, the Facility Details and each security.
58.2 We take no responsibility for any decision you make:
(a) to enter into this facility agreement;
(b) to obtain the facility and any amounts under it; or
(c) about the kind of interest rate (if any) you want under this facility agreement.
58.3 Our officers, employees and authorised agents do not have our authority to:
(a) make any predictions about what might happen to our or anyone else’s interest rate;
(b) tell you what kind of interest rate would best suit you; or
(c) make any other representation, prediction or statement of opinion about any other matter or thing affecting this facility agreement or the security.
Our advice. We offer restricted investment and protection planning advice. This means we have chosen to limit the range of products and/or providers that we’ll consider before recommending a suitable solution for you. Specifically, we have chosen to restrict our platform related business where we use one provider, because we believe that this is suitable for the majority of our clients. We may consider investments that are not available on the platform where this is appropriate for you.
Our advice. Your claim appears to be a claim with merit that is both likely to succeed and potentially capable of becoming part of a group action (if appropriate). You have been provided with a document entitled “Your Claim: Woodford Equity Income Fund - Initial Advice” that sets out key information in relation to your claim.
Our advice is for your benefit only. Save as expressly set out, our agreement with you is not intended to confer rights on any third parties whether pursuant to the Contracts (Rights of Third Parties) Act 1999 or otherwise.
Our advice. We offer independent investment advice. This means that we consider a wide range of financial strategies and products. We are constantly reviewing the market to ensure that the services and products we offer are appropriate for our clients. Where we recommend particular investment strategies and products to you, these will be selected based on your personal circumstances, financial goals and objectives. We’ll consider a number of factors, including the services you need, the cost of investing, how much risk you are prepared to accept in an investment product and how much of a drop in its value you could withstand. The areas we can advise on include: • Life Assurance • Unit Trusts • Investment Bonds • Open Ended Investment Companies • Pensions • ISAs • Annuities • Structured Deposits • Phased Retirement & Drawdown • Investment Trusts • Structured Products • Exchange Traded Funds • Term Assurance • Enterprise Investment Schemes • Critical Illness Cover • Venture Capital Trusts • Income Protection We don’t provide advice in relation to individual share holdings. If this is something you need assistance with, we can refer you to a stockbroker. We don’t provide advice on Unregulated Collective Investment Schemes, Options, Futures and other Derivative contracts as we believe that these are unlikely to be suitable for our clients. Where we provide protection planning services we are an insurance intermediary and will provide advice which is based on a fair and personal analysis of the market.
Our advice. We offer independent investment advice. This means that we consider a wide range of financial strategies and products. We are constantly reviewing the market to ensure that the services and products we offer are appropriate for our clients. Where we recommend particular investment strategies and products to you, these will be selected factors, including the services you need, the cost of investing, how much risk you are prepared to accept in an investment product and how much of a drop in its value you could withstand. The areas we can advise on include: Life assurance Unit trusts Investment bonds Open ended investment companies Pensions ISAs Annuities Term assurance Phased retirement & income drawdown Critical illness cover Long term care Income protection . If this is something you need assistance with, we can refer you to a stockbroker. provide advice on options, futures and other derivative contracts as we believe that these are unlikely to be suitable for our clients For further details please refer to our client prospectus. Where we provide protection planning services we are an insurance intermediary and will provide advice which is based on a fair and personal analysis of the market.
Our advice. 4.1. Based on the information provided by you, at our sole discretion we may suggest a strategy for you with respect to the Investments. Such strategy may include, recommending that you vote your shares or units in a certain manner, that you sell your shares or units or that you undertake such other actions as we may suggest. We shall not undertake any action pursuant to the recommended strategy until you approve our recommendations by issuing the documents set out in clauses 4.2. or 4.3 below (as applicable) or such other document as we may request or that may be required by applicable, laws, regulations, practises or procedures.
4.2. Where the User authorizes us to attend a meeting of shareholders or partners to vote in accordance with our recommendations, the User shall authorize us to do so in writing by:
4.2.1. executing a notarized proxy power of attorney substantially in the form set out in Part A of Schedule C; and
4.2.2. completing a voting instruction form substantially in the form set out in Part B of Schedule C.
4.3. Where the User authorizes us to sell all or part of the Investments in accordance with our recommendations, the User shall:
4.3.1. execute a notarized power of attorney substantially in the form set out in Part C of Schedule C; and
4.3.2. complete a sale instructions form substantially in the form set out in Part D of Schedule C.