Advice and Instructions. Any advice given to you by us shall be in writing. We prefer our clients to give us instructions in writing, to aid clarification and avoid future misunderstandings. We will, however, accept oral instructions provided they are confirmed in writing. We may, at our discretion, refuse to accept instructions although such discretion shall not be exercised unreasonably. We will record all transactions on our files which, along with copies of relevant documentation, will be retained by us for a period of not less than six years. You have a right to inspect copies of contract notes, vouchers and entries in our books or computerised records relating to your transactions. We reserve the right to withhold copies of these records if information relating to other parties would be disclosed. Basis of charging With effect from 1/1/2013 and in accordance with the rules of our regulator, The Financial Conduct Authority, for new investment business we are prohibited from accepting any payment of commission or other non-monetary benefits from a product provider. All costs and charges relating to advice, product arrangement and the costs of any ongoing services we provide will be fully disclosed and agreed with you before we undertake any work. Annual fund based fees will be calculated on the plan’s anniversary or the first working day following should the anniversary fall on the weekend. Material Interest We will act honestly, fairly and professionally and will conduct business in our Clients’ best interests. Occasionally situations may arise where we or one of our other clients have some form of interest in business transacted for you. If this happens or we become aware that our interests or those of one of our other clients conflict with your interest, we will write to you and obtain your consent before we carry out your instructions, and detail the steps we will take to ensure fair treatment. Rights to Cancel We will inform you of your statutory right to cancel. The Distance Marketing Directive normally grants you 30 days in which you may cancel a life or pension contract, or 14 days for an investment. However, there will be occasions where no statutory rights are granted, this will be explained before any contract is concluded.
Advice and Instructions. Any advice given to you by us shall be in writing. We prefer our clients to give us instructions in writing, to aid clarification and avoid future misunderstandings. We will, however, accept oral instructions provided they are confirmed in writing. We may, at our discretion, refuse to accept instructions although such discretion shall not be exercised unreasonably. We will record all transactions on our files which, along with copies of relevant documentation, will be retained by us for a period of not less than six years. You have a right to inspect copies of contract notes, vouchers and entries in our books or computerised records relating to your transactions. We reserve the right to withhold copies of these records if information pertaining to other parties would be disclosed.
Advice and Instructions. Any advice given to you by us shall be in writing. We prefer our clients to give us instructions in writing, to aid clarification and avoid future misunderstandings. We will, however, accept oral instructions provided they are confirmed in writing. We may, at our discretion, refuse to accept instructions although such discretion shall not be exercised unreasonably. We will record all transactions on our files which, along with copies of relevant documentation, will be retained by us for a period of not less than six years. You have a right to inspect copies of contract notes, vouchers and entries in our books or computerised records relating to your transactions. We reserve the right to withhold copies of these records if information to other parties would be disclosed. Material Interest We will act honestly, fairly and professionally. Occasionally situations may arise where we, or one of our other clients, have some form of interest in business transacted for you. If this happens or we become aware that our interests or those of one of our other clients conflict with your interest, we will write to you and obtain your consent before we carry out your instructions, and detail the steps we will take to ensure fair treatment. In accordance with the rules of our regulator, The Financial Conduct Authority, we are prohibited from accepting any payment of commission or other non-monetary benefits from a product provider, for investment business.
Advice and Instructions. Client agrees to promptly follow and implement any directions InsITe provides as it pertains to services, products, and systems. Implementing InsITe's advice may require additional purchases or investments in the System or the environment in which the System is maintained, which you agree to make at your sole cost. InsITe will not be responsible for any losses (e.g., those related to System downtime, security breaches, or acts of God) caused by your failure to promptly follow our advice or directions. If, at InsITe's sole discretion, your failure to follow or implement our advice renders part or all of the Services economically or technically impracticable, we may terminate the applicable SOW for cause by providing notice of termination to you. Unless specifically and expressly stated in a SOW, any services required to remediate issues caused by your failure to follow InsITe’s advice or directions, or your unauthorized modification of the System, as well as any services required to meet or maintain minimum requirements, are not covered under any SOW and will be out-of-scope.
Advice and Instructions. Any advice given to you by us shall be in writing. We prefer our clients to give us instructions in writing, to aid clarification and avoid future misunderstandings. We will, however, accept oral instructions provided they are confirmed in writing. We may, at our discretion, refuse to accept instructions although such discretion shall not be exercised unreasonably. We will record all transactions on our files which, along with copies of relevant documentation, will be retained by us for a period of not less than six years. You have a right to inspect copies of contract notes, vouchers and entries in our books or computerised records relating to your transactions. We reserve the right to withhold copies of these records if information to other parties would be disclosed. Paying for services – Investments Our primary service proposition focuses on the accumulation, management, and protection of wealth. This is an ongoing service, for which we charge on an ongoing basis. Our standard charge for the service is 1% per annum (collected monthly) of the value of investments under management. It is calculated from the date of the initial investment until the ongoing service is cancelled or the funds are completely withdrawn. When we first take clients on board for this service there will usually be an amount of preparatory work involved to establish and record the precise details of their existing financial planning arrangements and to make recommendations in relation to them. As we charge a fee for ongoing service, we will not charge a fee for this preparatory work. See pages 9 – 12 for further information.
Advice and Instructions. Any advice given to you by us shall be in writing. We prefer our clients to give us instructions in writing, to aid clarification and avoid future misunderstandings. We will, however, accept oral instructions provided they are confirmed in writing. We may, at our discretion, refuse to accept instructions although such discretion shall not be exercised unreasonably. We will record all transactions on our files which, along with copies of relevant documentation, will be retained by us for a period of not less than six years. You have a right to inspect copies of contract notes, vouchers and entries in our books or computerised records relating to your transactions. We reserve the right to withhold copies of these records if information to other parties would be disclosed. Paying for services Not all firms charge for advice in the same way. We will discuss your payment options with you and answer any questions you have. We will not charge you anything until you have agreed how we are to be paid. We have listed below the options available to you. Paying by fee. Whether you buy a product or not, on completion of our work, you will pay us a fee for our advice and services. If we also receive remuneration from the product provider when you buy a product, we will pass on the full value of that figure to you in one or more ways. For example, we could reduce our fee; or reduce your product charges; or increase your investment amount; or refund the remuneration to you. We will confirm the rate we will charge in writing before beginning work and we will tell you if you have to pay VAT. You may ask us for an estimate of how much in total we might charge. You may also ask us not to exceed a given amount without checking with you first. Our typical charges are:
Advice and Instructions. Any advice given to you by us shall be in writing. We prefer our clients to give us instructions in writing, to aid clarification and avoid future misunderstandings. We will, however, accept oral instructions provided they are confirmed in writing. We may, at our discretion, refuse to accept instructions although such discretion shall not be exercised unreasonably. We will record all transactions on our files or back-office system which, along with copies of relevant documentation, will be retained by us for a period of not less than six years. You have a right to inspect copies of contract notes, vouchers and entries in our books or computerised records relating to your transactions. We reserve the right to withhold copies of these records if information to other parties would be disclosed. Our Investment Services and Costs We provide you with an initial consultation free of charge. This helps us to understand your financial objectives and will confirm how we can support you in working towards these. Not all firms charge for advice the same way. We will also discuss the cost, and levels, of our services both initially and throughout our relationship with you. We will not charge you anything until you have agreed how we are paid. We charge our services by way of a fee. These fees are based on a percentage of the amount you invest.
Advice and Instructions. Any advice given to you by us shall be in writing. We will record all transactions on our files which, along with copies of relevant documentation, will be retained by us for a period of not less than six years. You have a right to inspect copies of contract notes, vouchers and entries in our books or computerised records relating to your transactions. We reserve the right to withhold copies of these records if information to other parties would be disclosed.
Advice and Instructions. We require advisory clients to provide specific instructions in writing (which includes fax and email transmissions) to avoid possible disputes. At our discretion we will accept oral instructions provided they are received on our recorded telephone lines. Instructions, however issued, are only valid from the time we receive them at our Administration Centre, not from the time you issue them. Any advice given to you by us shall be in writing, which includes email.
Advice and Instructions. From time to time, we may provide you with specific advice and directions related to our provision of the Services or the maintenance or administration of the System (for example, our advice or directions may include increasing the System’s server or hard drive capacity or replacing obsolete equipment). You agree to promptly follow and implement any directions we provide to you related to the Services which, depending on the situation, may require you to make additional purchases or investments in the System or the environment in which the System is maintained, at your sole cost. RSI will not be responsible for any System downtime caused by your failure to promptly follow RSI’s advice or directions. If your failure to follow or implement our advice renders part or all of the Services economically or technically unreasonable to provide in RSI’s discretion, then RSI may terminate the applicable SOW for cause by providing notice of termination to you. Unless specifically and expressly stated in a SOW, any services required to remediate issues caused by your failure to follow RSI’s advice or directions, or your unauthorized modification of the System, as well as any services required to bring the System up to or maintain the Minimum Requirements, are not covered under any SOW and will be out-of-scope.
