Common use of Investment Risks Clause in Contracts

Investment Risks. All investments carry a degree of risk that will usually increase in line with the potential return on an investment (i.e. the higher the level of potential return, the higher level of risk one may have to take). You should ensure that you are fully aware of the risks associated with a product and are content to accept the risks involved. Who Regulates Us Optimum Independent Financial Advisers Limited is authorised and regulated by the Financial Conduct Authority (FCA) who are an independent watchdog that regulates financial services. Their FCA firm reference number is 798611. You can check this information by visiting the FCA website at xxxxx://xxxxxxxx.xxx.xxx.xx or by contacting the FCA on 0800 111 6768. What to do if you have a complaint? If you should have any complaint about the advice you receive or a product which you have purchased, please contact us, in writing to — The Compliance Officer, Optimum Independent Financial Advisers Limited, 0-0 Xx Xxxxxx Xxxxx, Colchester, Essex, CO1 1WD or telephone — 00000 000000, or email — xxxx@xxxxxxx-xxx.xx.xx, giving details of your complaint. We will provide you with a copy of our formal complaints procedure upon request or upon receipt of a complaint. If we are unable to resolve a complaint to your satisfaction you have the right to take your complaint to the Financial Ombudsman Service. Are we covered by the Financial Services Compensation Scheme? We maintain professional indemnity insurance to enable us to meet any liabilities that may arise on us in respect of our obligations to you for services performed on your behalf. We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if for any reason we cannot meet our obligations. This will however depend on the type of business and the circumstances of the claim.

Investment Risks. All investments carry a degree of risk that will usually increase in line with the potential return on an investment (i.e. the higher the level of potential return, the higher level of risk one may have to take). You should ensure that you are fully aware of the risks associated with a product and are content to accept the risks involved. Who Regulates Us Optimum Independent Financial Advisers Limited is authorised and regulated by the Financial Conduct Authority (FCA) who are an independent watchdog that regulates financial services. Their FCA firm reference number is 798611. You can check this information by visiting the FCA website at xxxxx://xxxxxxxx.xxx.xxx.xx or by contacting the FCA on 0800 111 6768. What to do if you have a complaint? If you should have any complaint about the advice you receive or a product which you have purchased, please contact us, in writing to — The Compliance Officer, Optimum Independent Financial Advisers Limited, 0-0 Xx Xxxxxx Xxxxx, Colchester, Essex, CO1 1WD or telephone — 00000 000000, or email — xxxx@xxxxxxx-xxx.xx.xx, giving details of your complaint. We will provide you with a copy of our formal complaints procedure upon request or upon receipt of a complaint. If we are unable to resolve a complaint to your satisfaction you have the right to take your complaint to the Financial Ombudsman Service. Are we covered by the Financial Services Compensation Scheme? We maintain professional indemnity insurance to enable us to meet any liabilities that may arise on us in respect of our obligations to you for services performed on your behalf. We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if for any reason we cannot meet our obligations. This will however depend on the type of business and the circumstances of the claim. Investments – Most types of investment business are covered up to a maximum limit of £50,000. Insurance – Non-compulsory insurance provision for both general and pure protection contracts (such as term assurance, critical illness and most income protection policies) are covered for 90% of the claim with no upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit. Mortgages – Mortgage advising and arranging is covered up to a maximum limit of £50,000. Further information about the compensation scheme arrangements is available from the FSCS. Instructions To avoid disputes we require our clients to give us instructions in writing/email in respect of all investment transactions. We will however, accept oral instructions to commence a life/pension policy provided they are subsequently confirmed in writing. All advice given by Optimum Independent Financial Advisers Limited will be provided in writing, or if given verbally will be confirmed in writing subsequently to ensure clarity of information.

Investment Risks. All investments carry a degree of financial risk that will usually increase in line with the potential rate of return on an a particular investment (i.e. the higher the level of potential return, the higher the level of risk one may have to take). You should ensure that you are fully aware of the risks associated with a the product and are content to accept the risks involved. Who Regulates Us Optimum Independent Financial Advisers Limited Investing Ethically Ltd is authorised and regulated by the Financial Conduct Authority (FCA) who are an independent watchdog that regulates financial services. Their Our FCA firm reference Register number is 798611192005. You can check this information by visiting the FCA website at xxxxx://xxxxxxxx.xxx.xxx.xx xxx.xxx.xxx.xx/xxxxx/xxxxxxx-xxxxxxxxx/xxxxxxxx or by contacting the FCA on 0800 111 6768. What to do if you have a complaint? If you should have any complaint about the advice you receive or a product which you have purchased, please contact us, in writing to — – The Compliance Officer, Optimum Independent Financial Advisers LimitedInvesting Ethically Ltd, 0-0 Xx Xxxxxx Xxxxx00 Xxxxxxxx Xxxx, ColchesterXxxxxxx, EssexXX0 0XX, CO1 1WD or telephone — – 00000 000000, or email — xxxx@xxxxxxx-xxx.xx.xx– xxxx@xxxxxxxxx-xxxxxxxxx.xx.xx, giving details of your complaint. We will provide you with a copy of our formal complaints procedure upon request or upon receipt of a complaint. If we are unable to resolve a complaint to your satisfaction you have the right to take your complaint to the Financial Ombudsman Service. Are we covered by the Financial Services Compensation SchemeScheme (FSCS)? We maintain professional indemnity insurance to enable us to meet any liabilities that may arise on us in respect of our obligations to you for services performed on your behalf. We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if for any reason we cannot meet our obligations. This will however depend on the type of business and the circumstances of the claim.