Common use of Cancellation Rights Clause in Contracts

Cancellation Rights.  The cancellation rights for each individual policy you have been advised on will be explained to you in your suitability report which we will give you before or at the time you confirm or carry out the transaction. Where the provider is already in receipt of the investment proceeds and cancellation is requested within the cancellation period we will instruct the provider to refund the proceeds net/gross of the adviser charging agreed.  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. As a consequence of such potential conflicts arising, we have put arrangements in place to ensure all our clients are treated fairly. We have also implemented a conflicts of interest policy to help us to all appropriate steps to manage such risks. While we take all appropriate steps to mitigate such risks, if we are unable to mitigate the risks from a potential conflict, before we undertake any actions on your behalf we will inform you in writing with;  A specific description of the conflicts that has arisen.  A clear documented statement of the steps the firm has taken to prevent the conflict.  An explanation of the remaining risks that are posed to your interest.  We may give or receive minor non-monetary benefits to/from some of the firms with whom we work in order to offer you a better service. Such benefits may include information relating to financial instruments or investment services; participation in conferences, seminars and training events; and minor hospitality (such as food and drink during a business meeting, conference, seminar or training event). Any costs we incur in provision of such benefits will not affect the charges you pay for our service. Further information regarding these arrangements is available on request.  Relevant risk warnings will be advised to you throughout the financial planning process and in your suitability report.  You or we may terminate our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees which may be outstanding.  We are required to verify your identity in accordance with the Proceeds of Crime Xxx 0000 and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained.  We may periodically verify your details electronically and / or request up to date documentary evidence.  We may from time to time ask for an explanation of the source of wealth and request supporting documentation before we can act or continue to act for you.  You agree to us recording telephone calls.

Cancellation Rights.  The cancellation rights for each individual policy you have been advised on will be explained to you in your suitability report which we will give you by our supportive concerned web-based administrator before or at the time you confirm or carry out the transaction. Where the provider is already in receipt of the investment proceeds and cancellation is requested within the cancellation period we will instruct the provider MATERIAL INTERESTS We are not connected to refund the proceeds net/gross of the adviser charging agreed.  Occasions any product provider, but 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 customer's conflict with your interests, we will inform you in writing and obtain your consent before we carry out your instructions. There may be occasions when we will be unable to act for one of the parties. As a consequence of such potential conflicts arising, we have put arrangements in place to ensure all our clients are treated fairly. We have also implemented a conflicts of interest policy to help us to all appropriate steps to manage such risks, which you may access on request. While we take all Where an advisory firm works in a partnership with a discretionary manager, appropriate steps agreements must be in place. Should a recommendation be made to mitigate such risksappoint TST to act as a discretionary manager for any proposed investment a formal discretionary management agreement will be required that sets out how your investments will be managed. TST will be responsible for the suitability of the advice. We recognize the potential conflict of interest operating within a group structure, if we are unable and maintain robust systems and controls to mitigate the risks from risks. Where a potential conflict, before we undertake any actions on your behalf we platform/custodian is used their particular terms and conditions will inform you in writing with;  A specific description of the conflicts that has arisen.  A clear documented statement of the steps the firm has taken to prevent the conflict.  An explanation of the remaining risks that are posed to your interest.  We may give be provided or receive minor non-monetary benefits to/from some of the firms with whom we work in order to offer you a better service. Such benefits may include information relating to financial instruments or investment services; participation in conferences, seminars and training events; and minor hospitality (such as food and drink during a business meeting, conference, seminar or training event). Any costs we incur in provision of such benefits will not affect the charges you pay for our service. Further information regarding these arrangements is available on upon request.  RISK WARNINGS Relevant risk warnings will be advised to you throughout the financial planning process and in maybe, your suitability report.  You The value of investments may go down as well as up, and you may not get back the amount invested. Levels of income from investments may fluctuate. We cannot be held liable for any depreciation in the value of investments arranged for you. Non- readily realizable investments will generally have a restricted market, and therefore it may be difficult to deal in that investment or to obtain reliable information about its value. For mortgages please be aware that your home may be repossessed if you do not keep up repayments on your mortgage. For insurance products, your insurance policy may lapse if you do not keep up to date with regular premium payments and you may not be covered if a claim is made. Again, we require our clients to give us instructions in writing, or we may terminate confirm our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given understanding in writing and will take effect from the date of receipt. Termination is without prejudice (by post or by email) in order to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees which may be outstanding.  We are required to verify your identity in accordance with the Proceeds of Crime Xxx 0000 and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained.  We may periodically verify your details electronically and / or request up to date documentary evidence.  We may from time to time ask for an explanation of the source of wealth and request supporting documentation before we can act or continue to act for you.  You agree to us recording telephone callsavoid possible disputes.

Cancellation Rights.  22 The cancellation rights for each individual policy you have been advised on will be explained to you in your suitability report which we will give you before or at the time you confirm or carry out the transaction. Where the provider is already in receipt of the investment proceeds and cancellation is requested within the cancellation period we will instruct the provider to refund the proceeds net/gross of the adviser charging agreed.  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. 24 As a consequence of such potential conflicts arising, we have put arrangements in place to ensure all our clients are treated fairly. We have also implemented a conflicts of interest policy to help us to all appropriate steps to manage such risks, which you may access on request. While we take all Tavistock Financial Limited is part of a group structure that includes Tavistock Wealth Limited. Tavistock Wealth Limited is an investment management firm authorised and regulated by the Financial Conduct Authority (FCA Number 568089). Where an advisory firm works in partnership with a discretionary manager, appropriate steps agreements must be in place. Should a recommendation be made to mitigate such risksappoint Tavistock Wealth Limited to act as a discretionary manager for any proposed investment a formal discretionary management agreement will be required that sets out how your investments will be managed. Tavistock Financial Limited will be responsible for the suitability of the advice. We recognise the potential conflict of interest operating within a group structure, if we are unable and maintain robust systems and controls to mitigate the risks from risks. Where a potential conflict, before we undertake any actions on your behalf we platform/custodian is used their particular terms and conditions will inform you in writing with;  A specific description of the conflicts that has arisen.  A clear documented statement of the steps the firm has taken to prevent the conflict.  An explanation of the remaining risks that are posed to your interest.  We may give be provided or receive minor non-monetary benefits to/from some of the firms with whom we work in order to offer you a better service. Such benefits may include information relating to financial instruments or investment services; participation in conferences, seminars and training events; and minor hospitality (such as food and drink during a business meeting, conference, seminar or training event). Any costs we incur in provision of such benefits will not affect the charges you pay for our service. Further information regarding these arrangements is available on upon request.  25 Relevant risk warnings will be advised to you throughout the financial planning process and in your suitability report.  26 You or we may terminate our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees which may be outstanding.  27 We are registered under the Data Protection Xxx 0000. You acknowledge and understand that we keep personal and financial information with regard to your circumstances on file (electronic and/or paper based) as required to verify be able to advise you as to your identity in accordance financial planning needs. We confirm that this information will not be used or transferred by us to any other firm, company, entity or person with the Proceeds exception of Crime Xxx 0000 Tavistock Financial Ltd or any other company within the same group of companies and the Money Laundering Regulations 2007product provider without your consent or as may be required by law. We reserve may also provide information to the right to approach third parties and to delay any applications until adequate verification of identity has been obtained.  We may periodically verify your details electronically and / or FCA upon request up to date documentary evidence.  We may from time to time ask for an explanation of the source of wealth and request supporting documentation before we can act or continue to act for you.  You agree to us recording telephone callsregulatory reasons.

Cancellation Rights.  The cancellation rights for each individual policy you have been advised on will be explained to you in your suitability report which we will give you by our supportive concerned web-based administrator before or at the time you confirm or carry out the transaction. Where the provider is already in receipt of the investment proceeds and cancellation is requested within the cancellation period we will instruct the provider We are not connected to refund the proceeds net/gross of the adviser charging agreed.  Occasions any product provider, but 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 customer’s conflict with your interests, we will inform you in writing and obtain your consent before we carry out your instructions. There may be occasions when we will be unable to act for one of the parties. As a consequence of such potential conflicts arising, we have put arrangements in place to ensure all our clients are treated fairly. We have also implemented a conflicts of interest policy to help us to all appropriate steps to manage such risks, which you may access on request. While we take all Where an advisory firm works in a partnership with a discretionary manager, appropriate steps agreements must be in place. Should a recommendation be made to mitigate such risksappoint LSI to act as a discretionary manager for any proposed investment a formal discretionary management agreement will be required that sets out how your investments will be managed. LSI will be responsible for the suitability of the advice. We recognize the potential conflict of interest operating within a group structure, if we are unable and maintain robust systems and controls to mitigate the risks from risks. Where a potential conflict, before we undertake any actions on your behalf we platform/custodian is used their particular terms and conditions will inform you in writing with;  A specific description of the conflicts that has arisen.  A clear documented statement of the steps the firm has taken to prevent the conflict.  An explanation of the remaining risks that are posed to your interest.  We may give be provided or receive minor non-monetary benefits to/from some of the firms with whom we work in order to offer you a better service. Such benefits may include information relating to financial instruments or investment services; participation in conferences, seminars and training events; and minor hospitality (such as food and drink during a business meeting, conference, seminar or training event). Any costs we incur in provision of such benefits will not affect the charges you pay for our service. Further information regarding these arrangements is available on upon request.  Relevant risk warnings will be advised to you throughout the financial planning process and in maybe, your suitability report.  You The value of investments may go down as well as up, and you may not get back the amount invested. Levels of income from investments may fluctuate. We cannot be held liable for any depreciation in the value of investments arranged for you. Non- readily realizable investments will generally have a restricted market, and therefore it may be difficult to deal in that investment or to obtain reliable information about its value. For mortgages please be aware that your home may be repossessed if you do not keep up repayments on your mortgage. For insurance products, your insurance policy may lapse if you do not keep up to date with regular premium payments and you may not be covered if a claim is made. Again, we require our clients to give us instructions in writing, or we may terminate confirm our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given understanding in writing and will take effect from the date of receipt. Termination is without prejudice (by post or by email) in order to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees which may be outstanding.  We are required to verify your identity in accordance with the Proceeds of Crime Xxx 0000 and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained.  We may periodically verify your details electronically and / or request up to date documentary evidence.  We may from time to time ask for an explanation of the source of wealth and request supporting documentation before we can act or continue to act for you.  You agree to us recording telephone callsavoid possible disputes.

Cancellation Rights.  The cancellation rights for each individual policy you have been advised on will be explained to you in your suitability report which we will give you by our supportive concerned web-based administrator before or at the time you confirm confirm or carry out the transaction. Where the provider is already in receipt of the investment proceeds and cancellation is requested within the cancellation period we will instruct the provider MATERIAL INTERESTS We are not connected to refund the proceeds net/gross of the adviser charging agreed.  Occasions any product provider, but 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 customer’s conflict with your interests, we will inform you in writing and obtain your consent before we carry out your instructions. There may be occasions when we will be unable to act for one of the parties. As a consequence of such potential conflicts conflicts arising, we have put arrangements in place to ensure all our clients are treated fairly. We have also implemented a conflicts conflicts of interest policy to help us to all appropriate steps to manage such risks, which you may access on request. While we take all Where an advisory firm works in a partnership with a discretionary manager, appropriate steps agreements must be in place. Should a recommendation be made to mitigate such risksappoint LSC to act as a discretionary manager for any proposed investment a formal discretionary management agreement will be required that sets out how your investments will be managed. IAT will be responsible for the suitability of the advice. We recognize the potential conflict of interest operating within a group structure, if we are unable and maintain robust systems and controls to mitigate the risks from risks. Where a potential conflict, before we undertake any actions on your behalf we platform/custodian is used their particular terms and conditions will inform you in writing with;  A specific description of the conflicts that has arisen.  A clear documented statement of the steps the firm has taken to prevent the conflict.  An explanation of the remaining risks that are posed to your interest.  We may give be provided or receive minor non-monetary benefits to/from some of the firms with whom we work in order to offer you a better service. Such benefits may include information relating to financial instruments or investment services; participation in conferences, seminars and training events; and minor hospitality (such as food and drink during a business meeting, conference, seminar or training event). Any costs we incur in provision of such benefits will not affect the charges you pay for our service. Further information regarding these arrangements is available on upon request.  RISK WARNINGS Relevant risk warnings will be advised to you throughout the financial financial planning process and in maybe, your suitability report.  You The value of investments may go down as well as up, and you ma y not get back the a mount invested. Levels of income from investments may fluctuate. We cannot be held liable for any depreciation in the value of investments arranged for you. Non- readily realizable investments will generally have a restricted market, and therefore it ma y be difficult to deal in that investment or to obtain reliable information about its value. For mortga ges please be aware that your home ma y be repossessed if you do not keep up repayments on your mortga ge. For insurance products, your insurance policy ma y lapse if you do not keep up to date with regular premium payments and you ma y not be covered if a claim is ma de. Again, we require our clients to give us instructions in writing, or we may terminate confirm our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given understanding in writing and will take effect from the date of receipt. Termination is without prejudice (by post or by email) in order to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees which may be outstanding.  We are required to verify your identity in accordance with the Proceeds of Crime Xxx 0000 and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained.  We may periodically verify your details electronically and / or request up to date documentary evidence.  We may from time to time ask for an explanation of the source of wealth and request supporting documentation before we can act or continue to act for you.  You agree to us recording telephone callsavoid possible disputes.

Cancellation Rights.  The cancellation rights for each individual policy you have been advised on will be explained to you in your suitability report which we will give you before or at the time you confirm or carry out the transaction. Where the provider is already in receipt of the investment proceeds and cancellation is requested within the cancellation period we will instruct the provider to refund the proceeds net/gross of the adviser charging agreed.  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. As a consequence of such potential conflicts arising, we have put arrangements in place to ensure all our clients are treated fairly. We have also implemented a conflicts of interest policy to help us to all appropriate steps to manage such risks. While we take all appropriate steps to mitigate such risks, if we are unable to mitigate the risks from a potential conflict, before we undertake any actions on your behalf we will inform you in writing with;  A specific description of the conflicts that has arisen.  A clear documented statement of the steps the firm has taken to prevent the conflict.  An explanation of the remaining risks that are posed to your interest.  We may give or receive minor non-monetary benefits to/from some of the firms with whom we work in order to offer you a better service. Such benefits may include information relating to financial instruments or investment services; participation in conferences, seminars and training events; and minor hospitality (such as food and drink during a business meeting, conference, seminar or training event). Any costs we incur in provision of such benefits will not affect the charges you pay for our service. Further information regarding these arrangements is available on request.  Relevant risk warnings will be advised to you throughout the financial planning process and in your suitability report.  The value of investments may go down as well as up, and you may not get back the amount invested. Levels of income from investments may fluctuate. We cannot be held liable for any depreciation in the value of investments arranged for you. Non-readily realisable investments will generally have a restricted market, and therefore it may be difficult to deal in that investment or to obtain reliable information about its value. For mortgages please be aware that your home may be repossessed if you do not keep up repayments on your mortgage. For an equity release mortgage/Home reversion plan, to understand the features and risks, ask for a personalised illustration. You or we may terminate our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees which that may be outstanding.  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. Because of such potential conflicts arising, we have put arrangements in place to ensure that we treat all our clients fairly. We have also implemented a conflicts of interest policy to help us to all appropriate steps to manage such risks. While we take all appropriate steps to mitigate such risks, if we are unable to mitigate the risks from a potential conflict, before we undertake any actions on your behalf we will inform you in writing with; A specific description of the conflicts that has arisen. A clear documented statement of the steps the firm has taken to prevent the conflict. An explanation of the remaining risks that are posed to your interest. We are an appointed representative of Sanlam Partnerships Limited (“Sanlam”) which is authorised and regulated by the Financial Conduct Authority (“FCA”). In order to assist Sanlam to comply with its legal and regulatory obligations as our principal we may share your personal data with Sanlam so it can comply with its legal and regulatory obligations; undertake compliance monitoring; deal with complaints; report internally within its group; respond to any FCA queries; liaise with its insurers; undertake audits; and where required by law to respond to enquiries from law enforcement agencies and government bodies. We have entered into an agreement with Sanlam which governs how the data may be shared and which ensures there are appropriate safeguards, in accordance with the applicable data protection laws. We can provide a copy of this agreement on written request. We are required to verify your identity in accordance with the Proceeds of Crime Xxx 0000 and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained.  We may periodically verify your details electronically and / or request up to date documentary evidence.  We may from time to time ask for an explanation of the source of wealth and request supporting documentation before we can act or continue to act for you.  You agree to indemnify us recording telephone callsin relation to any acts, proceedings or claims which we incur directly or indirectly as a result of our acting under this agreement save that this indemnity shall not apply to the extent it arises out of our negligence, fraud, breach of this agreement or our regulatory responsibilities. We reserve the right to amend this agreement at our discretion where changes in regulation or law necessitate by giving you notice in writing. You will also be given the option to accept our new agreements or terminate our authority. This agreement shall be governed by and construed according to English law. Any disputes shall be determined in the jurisdiction of the English Courts. Where a formal written notice is required by this agreement then it shall be in writing (not email unless agreed in advance by the parties) and sent by first class post and deemed effective two business days after posting. Whichever option you choose, you can withdraw your consent at any time by clicking the Unsubscribe button at the end of each newsletter or emailing xxxxxx@xxxxx.xx.xx and we will stop sending email newsletters We won’t pass your details on to third parties for marketing purposes, and all data is looked after in accordance with our Privacy Policy which you can read at xxxx://xxxxx.xx.xx/privacy-policy/ This is our client agreement upon which we intend to rely. For your own benefit and protection, you should read these terms carefully before signing them. If you do not understand any point, please ask for further information. I/We understand and consent to the terms of this client agreement and I/We hereby authorise the transfer of information, as described above, on a confidential basis when warranted between such third parties.

Cancellation Rights.  The cancellation rights for each individual policy you have been advised on will be explained to you in your suitability report which we will give you by our supportive concerned web-based administrator before or at the time you confirm or carry out the transaction. Where the provider is already in receipt of the investment proceeds and cancellation is requested within the cancellation period we will instruct the provider MATERIAL INTERESTS We are not connected to refund the proceeds net/gross of the adviser charging agreed.  Occasions any product provider, but 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 customer's conflict with your interests, we will inform you in writing and obtain your consent before we carry out your instructions. There may be occasions when we will be unable to act for one of the parties. As a consequence of such potential conflicts arising, we have put arrangements in place to ensure all our clients are treated fairly. We have also implemented a conflicts of interest policy to help us to all appropriate steps to manage such risks, which you may access on request. While we take all Where an advisory firm works in a partnership with a discretionary manager, appropriate steps agreements must be in place. Should a recommendation be made to mitigate such risksappoint UST to act as a discretionary manager for any proposed investment a formal discretionary management agreement will be required that sets out how your investments will be managed. UST will be responsible for the suitability of the advice. We recognize the potential conflict of interest operating within a group structure, if we are unable and maintain robust systems and controls to mitigate the risks from risks. Where a potential conflict, before we undertake any actions on your behalf we platform/custodian is used their particular terms and conditions will inform you in writing with;  A specific description of the conflicts that has arisen.  A clear documented statement of the steps the firm has taken to prevent the conflict.  An explanation of the remaining risks that are posed to your interest.  We may give be provided or receive minor non-monetary benefits to/from some of the firms with whom we work in order to offer you a better service. Such benefits may include information relating to financial instruments or investment services; participation in conferences, seminars and training events; and minor hospitality (such as food and drink during a business meeting, conference, seminar or training event). Any costs we incur in provision of such benefits will not affect the charges you pay for our service. Further information regarding these arrangements is available on upon request.  RISK WARNINGS Relevant risk warnings will be advised to you throughout the financial planning process and in maybe, your suitability report.  You The value of investments may go down as well as up, and you may not get back the amount invested. Levels of income from investments may fluctuate. We cannot be held liable for any depreciation in the value of investments arranged for you. Non- readily realizable investments will generally have a restricted market, and therefore it may be difficult to deal in that investment or to obtain reliable information about its value. For mortgages please be aware that your home may be repossessed if you do not keep up repayments on your mortgage. For insurance products, your insurance policy may lapse if you do not keep up to date with regular premium payments and you may not be covered if a claim is made. Again, we require our clients to give us instructions in writing, or we may terminate confirm our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given understanding in writing and will take effect from the date of receipt. Termination is without prejudice (by post or by email) in order to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees which may be outstanding.  We are required to verify your identity in accordance with the Proceeds of Crime Xxx 0000 and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained.  We may periodically verify your details electronically and / or request up to date documentary evidence.  We may from time to time ask for an explanation of the source of wealth and request supporting documentation before we can act or continue to act for you.  You agree to us recording telephone callsavoid possible disputes.

Cancellation Rights.  The Your insurance contract may include a cancellation rights for each individual policy clause and you may have the right to cancel your policy. If you decide to cancel your insurance contract within any stipulated timeframe and you have been advised not made a claim on the policy, you may be entitled to receive a refund of any premium paid, less any reasonable costs incurred by the insurer in providing the cover and/or by CICL in arranging the cover. The terms of your policy may allow insurers to retain the premium in full or to charge short period premiums in the event of cancellation before the policy expires. Please check your policy documentation for further information or ask for clarification. Please note our commission and, where appropriate, fees are earned in full from the date insurance cover commences and will not be explained refundable in the event of cancellation, avoidance or early termination of a policy. Please contact us if you wish to you in your suitability report which cancel any policy that we will give you before or at the time you confirm or carry out the transaction. Where the provider is already in receipt of the investment proceeds and cancellation is requested within the cancellation period we will instruct the provider to refund the proceeds net/gross of the adviser charging agreed.  Occasions can arise where we, or one of our other customers, will have some form of interest in business, which we are transacting arranged for you. As Customers acting personally and outside their trade or profession (Consumers) will usually have a consequence legal right to cancel policies for any reason, subject to no claims having occurred, and within 14 days of such potential conflicts arisingreceiving the full terms & conditions. You will always be advised where this right applies. A charge may apply for the period of cover provided. Cancellation under this right must be in writing, prior to expiry of the cancellation period. Claims If you need to make a claim, please contact us immediately. If you are unsure whether or not to make a claim, please contact us for advice. requirements of insurers, as set out in their policy document, may entitle insurers to refuse settlement of the claim, in whole or in part. Except where otherwise agreed, we have put arrangements will provide claims handling services during the policy period. These services can be continued beyond our appointment as your broker, subject to a separate fee to be agreed at the time. Our service can include notification of the claim direct to insurers in place accordance with the relevant policy claims procedure. In certain circumstances late notification may result in a claim being rejected. If the claim involves damage to ensure your property, please do not:  Dispose of damaged items  Authorise repair work (except in an emergency or to prevent further damage) until your insurers or we advise that you can. If your claim involves damage to third party property or injury to persons please pass copies of all correspondence, including solicitors letters, to us immediately and unanswered. Any attempts to negotiate or respond to the incident, without prior reference to your insurers or us, may prejudice your cover. Complaints We intend to provide you with excellent customer service and are committed to ensuring that all our clients are treated fairlycustomers receive fair treatment. If we fall short of your expectations please contact our Compliance Officer, either in writing to our office address or by telephone to 0000 000 0000, who will take details of your complaint. If we cannot resolve your complaint by close of business on the third working day after receipt, we will acknowledge your complaint, in writing, within 5 business days, and will advise you of when you may expect to receive a response. Your complaint will be dealt with by a senior and independent member of our senior management team who will ensure that the investigation will be fair and unbiased. If your complaint does not relate to a product or service that we have provided, or which should more appropriately be referred to another organisation, we will advise you of this fact, in writing, within 5 business days of receipt of your complaint and, where possible, provide details of to whom your complaint should be redirected. We have also implemented will provide you with a conflicts full written response to your complaint within 4 weeks of interest policy receiving it, unless your complaint is sufficiently complicated to help us warrant longer investigation. If the written response cannot be given to all appropriate steps to manage such risks. While we take all appropriate steps to mitigate such risksyou within 4 weeks, if we are unable to mitigate the risks from a potential conflict, before we undertake any actions on your behalf we will inform you you, in writing with;  A specific description of the conflicts that has arisenreasons why and when you can expect to receive our final response.  A clear documented statement If you are a Consumer or a Commercial Client with a turnover of the steps the firm has taken to prevent the conflict.  An explanation of the remaining risks that less than £6.5 million and fewer than 50 staff and are posed dissatisfied with our final response to your interestcomplaint, or if the investigation is not concluded within eight weeks, you have the right to refer the matter to the Financial Ombudsman Service (FOS) whose jurisdiction extends to cover general insurance distribution and consumer credit activities.  We They may give be contacted at The Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square London E14 9SR, telephone number 0000 000 0000 , e- mail: xxxxxxxxx.xxxx@financial- xxxxxxxxx.xxx.xx. If you are a consumer and your complaint relates to insurance purchased from us via electronic means (e.g. on-line or receive minor nonvia email or mobile ‘phone) then you are also able to use the EC On-monetary benefits to/from some line Dispute Resolution (ODR) platform at xxxx://xx.xxxxxx.xx/consumers/odr/ who will notify FOS on your behalf. Termination of the firms with whom we work in order to offer you a better service. Such benefits may include information relating to financial instruments or investment services; participation in conferences, seminars and training events; and minor hospitality (such as food and drink during a business meeting, conference, seminar or training event). Any costs we incur in provision of such benefits will not affect the charges you pay for our service. Further information regarding these arrangements is available on request.  Relevant risk warnings will be advised to you throughout the financial planning process and in your suitability report.  Authority You or we may terminate our authority and/or this agreement to act on your behalf at any time without penaltywith 14 days written notice or as otherwise agreed. Notice of this termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for any transactions made or adjustments effective prior to termination and we will be entitled to retain any and all fees which or brokerage payable in relation to policies placed by us prior to the date of termination. Financial Services Compensation Scheme We are covered by the Financial Services Compensation Scheme (FSCS). You may be outstandingentitled to compensation from the FSCS should you incur a loss and if we cannot meet our obligations.  We are required to verify your identity in accordance with This depends on the Proceeds type of Crime Xxx 0000 insurance transacted and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained.  We may periodically verify your details electronically and / or request up to date documentary evidence.  We may from time to time ask for an explanation circumstances of the source of wealth and request supporting documentation before we can act claim. Further details about the compensation scheme arrangements are available from the Financial Services Compensation Scheme (FSCS), 10th Floor, Beaufort House, 00 Xx Xxxxxxx Xxxxxx, Xxxxxx XX0X 0XX, Telephone Number: 0000 000 1100 or continue 020 7741 4100 (Monday to act for you.  You agree to us recording telephone calls.Friday

Cancellation Rights.  The cancellation rights for each individual policy you have been advised on will be explained to you in your suitability report which we will give you by our supportive concerned web-based administrator before or at the time you confirm or carry out the transaction. Where the provider is already in receipt of the investment proceeds and cancellation is requested within the cancellation period we will instruct the provider We are not connected to refund the proceeds net/gross of the adviser charging agreed.  Occasions any product provider, but 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 customer’s conflict with your interests, we will inform you in writing and obtain your consent before we carry out your instructions. There may be occasions when we will be unable to act for one of the parties. As a consequence of such potential conflicts arising, we have put arrangements in place to ensure all our clients are treated fairly. We have also implemented a conflicts of interest policy to help us to all appropriate steps to manage such risks, which you may access on request. While we take all Where an advisory firm works in a partnership with a discretionary manager, appropriate steps agreements must be in place. Should a recommendation be made to mitigate such risksappoint LSC to act as a discretionary manager for any proposed investment a formal discretionary management agreement will be required that sets out how your investments will be managed. LSC will be responsible for the suitability of the advice. We recognize the potential conflict of interest operating within a group structure, if we are unable and maintain robust systems and controls to mitigate the risks from risks. Where a potential conflict, before we undertake any actions on your behalf we platform/custodian is used their particular terms and conditions will inform you in writing with;  A specific description of the conflicts that has arisen.  A clear documented statement of the steps the firm has taken to prevent the conflict.  An explanation of the remaining risks that are posed to your interest.  We may give be provided or receive minor non-monetary benefits to/from some of the firms with whom we work in order to offer you a better service. Such benefits may include information relating to financial instruments or investment services; participation in conferences, seminars and training events; and minor hospitality (such as food and drink during a business meeting, conference, seminar or training event). Any costs we incur in provision of such benefits will not affect the charges you pay for our service. Further information regarding these arrangements is available on upon request.  Relevant risk warnings will be advised to you throughout the financial planning process and in maybe, your suitability report.  You The value of investments may go down as well as up, and you may not get back the amount invested. Levels of income from investments may fluctuate. We cannot be held liable for any depreciation in the value of investments arranged for you. Non- readily realizable investments will generally have a restricted market, and therefore it may be difficult to deal in that investment or to obtain reliable information about its value. For mortgages please be aware that your home may be repossessed if you do not keep up repayments on your mortgage. For insurance products, your insurance policy may lapse if you do not keep up to date with regular premium payments and you may not be covered if a claim is made. Again, we require our clients to give us instructions in writing, or we may terminate confirm our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given understanding in writing and will take effect from the date of receipt. Termination is without prejudice (by post or by email) in order to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees which may be outstanding.  We are required to verify your identity in accordance with the Proceeds of Crime Xxx 0000 and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained.  We may periodically verify your details electronically and / or request up to date documentary evidence.  We may from time to time ask for an explanation of the source of wealth and request supporting documentation before we can act or continue to act for you.  You agree to us recording telephone callsavoid possible disputes.

Cancellation Rights.  The cancellation rights for each individual policy you have been advised on will be explained to you in your suitability report which we will give you before or at the time you confirm or carry out the transaction. Where the provider is already in receipt of the investment proceeds and cancellation is requested within the cancellation period we will instruct the provider to refund the proceeds net/gross of the adviser charging agreed.  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. As a consequence of such potential conflicts arising, we have put arrangements in place to ensure all our clients are treated fairly. We have also implemented a conflicts of interest policy to help us to all appropriate steps to manage such risks. While we take all appropriate steps to mitigate such risks, if we are unable to mitigate the risks from a potential conflict, before we undertake any actions on your behalf we will inform you in writing with;  A specific description of the conflicts that has arisen.  A clear documented statement of the steps the firm has taken to prevent the conflict.  An explanation of the remaining risks that are posed to your interest.  We may give or receive minor non-monetary benefits to/from some of the firms with whom we work in order to offer you a better service. Such benefits may include information relating to financial instruments or investment services; participation in conferences, seminars and training events; and minor hospitality (such as food and drink during a business meeting, conference, seminar or training event). Any costs we incur in provision of such benefits will not affect the charges you pay for our service. Further information regarding these arrangements is available on request.  Relevant risk warnings will be advised to you throughout the financial planning process and in your suitability report.  The value of investments may go down as well as up, and you may not get back the amount invested. Levels of income from investments may fluctuate. We cannot be held liable for any depreciation in the value of investments arranged for you. Non-readily realisable investments will generally have a restricted market, and therefore it may be difficult to deal in that investment or to obtain reliable information about its value. You or we may terminate our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees which may be outstanding.  We are an appointed representative of Sanlam Partnerships Limited (“Sanlam”) which is authorised and regulated by the Financial Conduct Authority (“FCA”). In order to assist Sanlam to comply with its legal and regulatory obligations as our principal we may share your personal data with Sanlam so it can comply with its legal and regulatory obligations; undertake compliance monitoring; deal with complaints; report internally within its group; respond to any FCA queries; liaise with its insurers; undertake audits; and where required by law to respond to enquiries from law enforcement agencies and government bodies. We have entered into an agreement with Sanlam which governs how the data may be shared and which ensures there are appropriate safeguards, in accordance with the applicable data protection laws. We can provide a copy of this agreement on written request. In the course of providing our services we will receive information from and about you. Sanlam Partnerships Limited and Base Financial Ltd are each regarded as a data controller within the meaning of the applicable data protection laws including, but not limited to, the General Data Protection Regulation (Regulation EU 2016/679) which means we are responsible for deciding how we hold and use your personal data. We summarise the key aspects of our privacy statement below however please see our Base Financial Ltd Privacy Statement which is available from us. If you would like a written copy please write to Data Protection, Base Financial Ltd, 000 Xxxx Xxxxxx, Xxxxxxxxx, Xxxx, XX0 0XX, or you can also contact us by telephone on 00000 000000, Monday to Friday between 9am to 5pm (excluding Bank Holidays). The firm’s Privacy Statement explains how we will use your personal data, which will usually be: to perform the contract we have entered into with you; to comply with a legal obligation; where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests; where we have obtained your explicit written consent to do so. The firm’s Privacy Statement also explains: the kind of personal data we may hold about you, including sensitive or ‘special’ personal data such as health information; how we may collect your personal data, including where we may receive it from third parties; when and why might we share your personal data with third parties including third party service providers, other Sanlam group companies and regulatory authorities; the conditions under which we transfer personal data outside the EEA to ensure the ongoing security of your personal data; how long we will retain your information for, or the criteria we apply to determine any retention periods; and your rights in connection with personal data, including your right to complain We are required to verify your identity in accordance with the Proceeds of Crime Xxx 0000 and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained.  We may periodically verify your details electronically and / or request up to date documentary evidence.  We may from time to time ask for an explanation of the source of wealth and request supporting documentation before we can act or continue to act for you.  You agree to indemnify us recording telephone callsin relation to any acts, proceedings or claims which we incur directly or indirectly as a result of our acting under this agreement save that this indemnity shall not apply to the extent it arises out of our negligence, fraud, breach of this agreement or our regulatory responsibilities. We reserve the right to amend this agreement at our discretion where changes in regulation or law necessitate by giving you notice in writing. You will also be given the option to accept our new agreements or terminate our authority. This agreement shall be governed by and construed according to English law. Any disputes shall be determined in the jurisdiction of the English Courts. Where a formal written notice is required by this agreement then it shall be in writing (not email unless agreed in advance by the parties) and sent by first class post and deemed effective two business days after posting. I/we confirm that I/we have read and retained a copy of the Base Financial Ltd Client Agreement and have been given the opportunity to have any questions I/we may have concerning the terms and conditions contained in the Base Financial Ltd Client Agreement answered to my/our satisfaction. I/We confirm I/we have read and retained a copy of the Base Financial Privacy Statement. We are required to have regard to a client’s best interest in any advice given and must do our utmost to ensure we are aware of your personal and financial circumstances so our advice is suitable for your needs, by identifying your personal and financial objectives, current financial situation, risk profile and specific investment and protection needs, as applicable. The information you provide to us, for example in a questionnaire or fact find, may include sensitive (or ‘special’) personal data, such as health information. We require your consent to use such information (except in limited cases where there is another legal basis we may rely on as explained in our Privacy Statement). You do not have to consent to us using this information but if you do not consent (or you withdraw your consent, which you are entitled to do) we are unlikely to be able to provide our services where we need to rely on such information. Consent to Processing of Sensitive (or ‘Special’) Personal Data I/we consent to Base Financial Ltd processing my/our sensitive personal data (such as information regarding my/our health (mental or physical), sexual orientation, racial or ethnic group) and/or information concerning criminal offences or proceedings I/we provide to enable Base Financial Ltd to comply with its legal and regulatory obligations under the Base Financial Ltd Client Agreement which includes: preparing and implementing my/our financial advice (which may involve sharing my/our information with other financial services providers); ensuring that the investment advice or financial products or services recommended to me/us are appropriate to my/our investment objectives, financial situation and particular needs; enable Base Financial Ltd to communicate with me/us appropriately about my/our financial advice and any product or service that Base Financial Ltd supplies to me / us. I consent to Base Financial Ltd processing my sensitive personal data for the purpose described above.

Cancellation Rights.  The cancellation rights for each individual policy you have been advised on will be explained to you in your suitability report which we will give you before or at the time you confirm or carry out the transaction. Where the provider is already in receipt of the investment proceeds and cancellation is requested within the cancellation period we will instruct the provider to refund the proceeds net/gross of the adviser charging agreed.  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. As a consequence of such potential conflicts arising, we have put arrangements in place to ensure all our clients are treated fairly. We have also implemented a conflicts of interest policy to help us to all appropriate steps to manage such risks. While we take all appropriate steps to mitigate such risks, if we are unable to mitigate the risks from a potential conflict, before we undertake any actions on your behalf we will inform you in writing with;  A specific description of the conflicts that has arisen.  A clear documented statement of the steps the firm has taken to prevent the conflict.  An explanation of the remaining risks that are posed to your interest.  We may give or receive minor non-monetary benefits to/from some of the firms with whom we work in order to offer you a better service. Such benefits may include information relating to financial instruments or investment services; participation in conferences, seminars and training events; and minor hospitality (such as food and drink during a business meeting, conference, seminar or training event). Any costs we incur in provision of such benefits will not affect the charges you pay for our service. Further information regarding these arrangements is available on request.  interest Relevant risk warnings will be advised to you throughout the financial planning process and in your suitability report.  The value of investments may go down as well as up, and you may not get back the amount invested. Levels of income from investments may fluctuate. We cannot be held liable for any depreciation in the value of investments arranged for you. Non-readily realisable investments will generally have a restricted market, and therefore it may be difficult to deal in that investment or to obtain reliable information about its value. You or we may terminate our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees which may be outstanding.  To advise you properly we’ll need to collect information about your personal and financial circumstances. We take your privacy seriously and will only use your personal information to deliver our services. We are registered under the Data Protection Xxx 0000. You acknowledge and understand that we keep personal and financial information with regard to your circumstances on file (electronic and/or paper based) as required to be able to advise you appropriately as to your financial planning needs. We confirm that this information will not be used or transferred by us to any other firm, company, entity or person with the exception of Sanlam Partnerships Limited and the product provider without your consent or as may be required by law. We may also provide information to the Financial Conduct Authority (FCA) or other official bodies, upon request for regulatory reasons as required by law. We cannot be held responsible for the information held on your file becoming inaccurate due to your change of circumstances if you fail to inform us of those changes. We want to make sure your personal information is accurate and up to date. You may ask us to correct or remove information you think is inaccurate. Where business services are provided to us by third parties then circumstances may arise which warrant the disclosure of more than just your basic contact details. On these occasions such as processing business, and obtaining compliance and regulatory advice you agree that personal information held by us may be disclosed on a confidential basis, and in accordance with the Data Protection Xxx 0000, to such third parties. You agree that this information may be transferred electronically, (e.g. e-mail). You also agree that we or any such third party may contact you in future by any means of communication which we or they consider appropriate at the time. You have the right to request information we hold on you at any time, and may remove the permission to process your data at any time. We keep records of our business transactions with you for at least six years. We are required to verify your identity in accordance with the Proceeds of Crime Xxx 0000 and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained.  We may periodically verify your details electronically and / or request up to date documentary evidence.  We may from time to time ask for an explanation of the source of wealth and request supporting documentation before we can act or continue to act for you.  You agree to us recording telephone calls.

Cancellation Rights.  The cancellation rights for each individual policy you have been advised on will be explained to you in your suitability report which we will give you before or at the time you confirm or carry out the transaction. Where the provider is already in receipt of the investment proceeds and cancellation is requested within the cancellation period period, we will instruct the provider to refund the proceeds net/gross of the adviser charging agreed.  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. As a consequence of such potential conflicts arising, we have put arrangements in place to ensure all our clients are treated fairly. We have also implemented a conflicts of interest policy to help us to all appropriate steps to manage such risks. While we take all appropriate steps to mitigate such risks, if we are unable to mitigate the risks from a potential conflict, before we undertake any actions on your behalf behalf, we will inform you in writing with;  : A specific description of the conflicts that has arisen.  A clear clearly documented statement of the steps the firm has taken to prevent the conflict.  An explanation of the remaining risks that are posed to your interest.  We may give or receive minor non-monetary benefits to/from some of the firms with whom we work in order to offer you a better service. Such benefits may include information relating to financial instruments or investment services; participation in conferences, seminars and training events; and minor hospitality (such as food and drink during a business meeting, conference, seminar or training event). Any costs we incur in provision of such benefits will not affect the charges you pay for our service. Further information regarding these arrangements is available on request.  Relevant risk warnings will be advised to you throughout the financial planning process and in your suitability report.  You or we The value of investments may terminate our authority and/or this agreement to act on your behalf at any time without penaltygo down as well as up, and you may not get back the amount invested. Notice Levels of this termination must income from investments may fluctuate. We cannot be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be held liable to pay for any transactions made prior to termination and any fees which may be outstanding.  We are required to verify your identity depreciation in accordance with the Proceeds value of Crime Xxx 0000 and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained.  We may periodically verify your details electronically and / or request up to date documentary evidence.  We may from time to time ask for an explanation of the source of wealth and request supporting documentation before we can act or continue to act investments arranged for you.  You agree Non-readily realisable investments will generally have a restricted market, and therefore it may be difficult to us recording telephone callsdeal in that investment or to obtain reliable information about its value.

Cancellation Rights.  The cancellation rights for each individual policy 6.1 Subject to the below conditions, when the Administrator accepts your SIPP Account Application Form you have been advised on will a Cancellation Period (currently 30 days) during which you may change your mind about establishing your SIPP Fund. 6.2 If you decide that you wish to cancel your application for Membership to the SIPP you must notify the Administrator in writing. Communications to the Administrator should be explained sent to you the Administration Address in the Point of Contact section, quoting your suitability report which we will give you before or at the time you confirm or carry out the transactionname and your XXXX reference number. Where the provider You must ensure your request to cancel your application is already in receipt of the investment proceeds and cancellation is requested received within the cancellation period we will instruct the provider to refund the proceeds net/gross of the adviser charging agreed.  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. As a consequence of such potential conflicts arising, we have put arrangements in place to ensure all our clients are treated fairly. We have also implemented a conflicts of interest policy to help us to all appropriate steps to manage such risks. While we take all appropriate steps to mitigate such risks, if we are unable to mitigate the risks from a potential conflict, before we undertake any actions on your behalf we will inform you in writing with;  A specific description of the conflicts that has arisen.  A clear documented statement of the steps the firm has taken to prevent the conflict.  An explanation of the remaining risks that are posed to your interest.  We may give or receive minor non-monetary benefits to/from some of the firms with whom we work in order to offer you a better service. Such benefits may include information relating to financial instruments or investment services; participation in conferences, seminars and training events; and minor hospitality (such as food and drink during a business meeting, conference, seminar or training event). Any costs we incur in provision of such benefits will not affect the charges you pay for our service. Further information regarding these arrangements is available on request.  Relevant risk warnings will be advised to you throughout the financial planning process and in your suitability report.  You or we may terminate our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given in writing and will take effect 30 days from the date you submitted your application. 6.3 If you cancel your application, we will return any pension contributions which have been made to the contributor. If we have received funds from a pension transfer we will return funds to the transferring pension provider. If they will not accept the return of receipt. Termination is without prejudice funds or they will only accept funds on different terms from those applicable prior to any transactions already initiated which the transfer you will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees which may be outstanding.  We are required to verify your identity in accordance with notify us where you wish to transfer the Proceeds of Crime Xxx 0000 and funds. If you have not told us within the Money Laundering Regulations 2007. We Cancellation Period set out clause 6.1, we reserve the right to approach third parties and to delay any applications collect reasonable administration charges from your SIPP until adequate verification of identity has been obtained.  We may periodically verify your details electronically and / or request up to date documentary evidence.  We may from such time to time ask for an explanation of the source of wealth and request supporting documentation before as we can act arrange the transfer to another pension provider. 6.4 If financial adviser charges have been paid by your SIPP we will request the return of any adviser charges. It is at the financial adviser’s discretion to determine if any financial adviser charges should be returned. We will not be responsible or continue liable to act you or your SIPP if these are not returned by your financial adviser. 6.5 If you instruct us to complete an investment within your SIPP within the applicable Cancellation Period under clause 6.1, your Cancellation Rights will lapse and you will no longer be able to cancel your application to the SIPP. Separate cancellation rights may apply to any investment with your SIPP. You should contact the investment provider directly for you.  You agree to us recording telephone callsdetails of their cancellation rights.

Cancellation Rights.  The cancellation rights for each individual policy you have been advised on will be explained to you in your suitability report which we will give you by our supportive concerned web-based administrator before or at the time you confirm confirm or carry out the transaction. Where the provider is already in receipt of the investment proceeds and cancellation is requested within the cancellation period we will instruct the provider MATERIAL INTERESTS We are not connected to refund the proceeds net/gross of the adviser charging agreed.  Occasions any product provider, but 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 customer’s conflict with your interests, we will inform you in writing and obtain your consent before we carry out your instructions. There may be occasions when we will be unable to act for one of the parties. As a consequence of such potential conflicts conflicts arising, we have put arrangements in place to ensure all our clients are treated fairly. We have also implemented a conflicts conflicts of interest policy to help us to all appropriate steps to manage such risks, which you may access on request. While we take all Where an advisory firm works in a partnership with a discretionary manager, appropriate steps agreements must be in place. Should a recommendation be made to mitigate such risksappoint SST to act as a discretionary manager for any proposed investment a formal discretionary management agreement will be required that sets out how your investments will be managed. SST will be responsible for the suitability of the advice. We recognize the potential conflict of interest operating within a group structure, if we are unable and maintain robust systems and controls to mitigate the risks from risks. Where a potential conflict, before we undertake any actions on your behalf we platform/custodian is used their particular terms and conditions will inform you in writing with;  A specific description of the conflicts that has arisen.  A clear documented statement of the steps the firm has taken to prevent the conflict.  An explanation of the remaining risks that are posed to your interest.  We may give be provided or receive minor non-monetary benefits to/from some of the firms with whom we work in order to offer you a better service. Such benefits may include information relating to financial instruments or investment services; participation in conferences, seminars and training events; and minor hospitality (such as food and drink during a business meeting, conference, seminar or training event). Any costs we incur in provision of such benefits will not affect the charges you pay for our service. Further information regarding these arrangements is available on upon request.  RISK WARNINGS Relevant risk warnings will be advised to you throughout the financial financial planning process and in maybe, your suitability report.  You The value of investments may go down as well as up, and you ma y not get back the a mount invested. Levels of income from investments may fluctuate. We cannot be held liable for any depreciation in the value of investments arranged for you. Non- readily realizable investments will generally have a restricted market, and therefore it ma y be difficult to deal in that investment or to obtain reliable information about its value. For mortga ges please be aware that your home ma y be repossessed if you do not keep up repayments on your mortga ge. For insurance products, your insurance policy ma y lapse if you do not keep up to date with regular premium payments and you ma y not be covered if a claim is ma de. Again, we require our clients to give us instructions in writing, or we may terminate confirm our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given understanding in writing and will take effect from the date of receipt. Termination is without prejudice (by post or by email) in order to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees which may be outstanding.  We are required to verify your identity in accordance with the Proceeds of Crime Xxx 0000 and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained.  We may periodically verify your details electronically and / or request up to date documentary evidence.  We may from time to time ask for an explanation of the source of wealth and request supporting documentation before we can act or continue to act for you.  You agree to us recording telephone callsavoid possible disputes.

Cancellation Rights.  The cancellation rights for each individual policy you have been advised on will be explained to you in your suitability report which we will give you by our supportive concerned web-based administrator before or at the time thetime you confirm or confirmor carry out the outthe transaction. Where the provider is already in receipt of the investment proceeds and cancellation is requested within the cancellation period we will instruct the provider We are not connected to refund the proceeds net/gross of the adviser charging agreed.  Occasions any product provider, but occasions can arise where we, or one of our other customers, will have some form willhavesomeform 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 customer’s conflict with your interests, we will inform you in writing and obtain your consent before we carry out your instructions. There may beoccasions whenwewill be unable to act for one of the parties. As a consequence of such potential conflicts arising, we have put arrangements in place to ensure all our clients are treated fairly. We have also implemented a conflicts of interest policy to help us to all appropriate steps to aconflictsofinterest policyto helpus manage such risks. While we take all appropriate steps to mitigate such risks, if we are unable to mitigate the risks from a potential conflict, before we undertake any actions on your behalf we will inform which you in writing with;  A specific description of the conflicts that has arisen.  A clear documented statement of the steps the firm has taken to prevent the conflict.  An explanation of the remaining risks that are posed to your interest.  We may give or receive minor non-monetary benefits to/from some of the firms with whom we work in order to offer you a better service. Such benefits may include information relating to financial instruments or investment services; participation in conferences, seminars and training events; and minor hospitality (such as food and drink during a business meeting, conference, seminar or training event). Any costs we incur in provision of such benefits will not affect the charges you pay for our service. Further information regarding these arrangements is available access on request.  Wherean advisory firmworks in a partnership with a discretionary manager, appropriate agreements must be in place. Should a recommendation be made to appoint LSC to act as a discretionary manager for any proposed investment a formal discretionary management agreement will be required that setsouthowyour investments will be managed. LSC will be responsible for the suitability of the advice. We recognize the potential conflict of interest operating within a group structure, and maintain robust systems and controls to mitigate therisks. Whereaplatform/custodian isusedtheir particular terms and conditionswillbe provided or available upon request. Relevant risk warnings will be advised to you throughout the financial planning process and in maybe, your suitability report.  You The value of investments may go down as well as up, and you may not get back the amount invested. Levels of incomefrom investmentsmayfluctuate. We cannot be held liable for any depreciation in the valueofinvestmentsarranged foryou. Non- readily realizable investments will generally have a restricted market, and therefore it maybe difficult to deal in that investment or to obtain reliable information about its value. For mortgages please be aware that your home may be repossessed if you do not keep up repayments on your mortgage. For insurance products, your insurance policy may lapse if you do not keep up to date with regular premium payments and you maynotbecovered if a claim is made. Again, we require our clients to give us instructions in writing, or we may terminate confirm our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given understanding in writing and will take effect from the date of receipt. Termination is without prejudice (by post or by email) in order to any transactions already initiated which will be completed according to this client agreement unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees which may be outstanding.  We are required to verify your identity in accordance with the Proceeds of Crime Xxx 0000 and the Money Laundering Regulations 2007. We reserve the right to approach third parties and to delay any applications until adequate verification of identity has been obtained.  We may periodically verify your details electronically and / or request up to date documentary evidence.  We may from time to time ask for an explanation of the source of wealth and request supporting documentation before we can act or continue to act for you.  You agree to us recording telephone callsavoid possible disputes.