Our advice. The expression “non legal matter” when used in this section and in the ‘Standard of care and liability’ section below includes, without prejudice to the generality of the foregoing, advice as to accounting, auditing, underwriting or insurance practice, management, valuation, whether in regard to real estate or otherwise, marketing, auctioneering, estate agency, business, commerce, banking, finance or investment. Changes in the Law. Our advice is given on the basis of the laws in force in Trinidad and Tobago at the date of that advice. Unless you expressly instruct us in writing to do so we are under no obligation to advise, and accept no responsibility whatsoever for advising, in relation to subsequent changes in the laws of Trinidad and Tobago, and the effect, if any, on you. It is possible that changes may occur in the law and its interpretation before our advice is acted upon. We accept no responsibility for any changes in the law or its interpretation that occur subsequent to our advice being delivered to you. No independent investigation. Our responsibility is limited to responding to specific instructions received from you, or on your behalf, by your professional advisers or agents, and we are under no obligation to investigate or verify independently the accuracy or completeness of such instructions. If we are obliged to make any assumptions as to matters of fact, or the laws of any jurisdiction other than Trinidad and Tobago, we may rely entirely upon those assumptions without independent verification. Standard of care and liability. Subject to these terms and conditions, the standard of care which we shall exercise (to the exclusion of all other standards implied by law or otherwise, if any, to the utmost extent permitted by law) shall be that of a reasonably competent Trinidad and Tobago lawyer practising in Trinidad and Tobago at the relevant time.
Our advice. We offer independent investment advice. This means that we consider a wide range of financial strategies and products. We are constantly reviewing the market to ensure that the services and products we offer are appropriate for our clients. Where we recommend particular investment strategies and products to you, these will be selected based on your personal circumstances, financial goals and objectives. We’ll consider a number of factors, including the services you need, the cost of investing, how much risk you are prepared to accept in an investment product and how much of a drop in its value you could withstand. The areas we can advise on include: • Life assurance • Unit trusts • Investment bonds • Open ended investment companies • Pensions • ISAs • Annuities • Term assurance • Phased retirement & income drawdown • Critical illness cover • Long term care • Income protection We don’t provide advice in relation to individual share holdings. If this is something you need assistance with, we can refer you to a stockbroker. We don’t provide advice on options, futures and other derivative contracts as we believe that these are unlikely to be suitable for our clients For further details please refer to our client prospectus. Where we provide protection planning services we are an insurance intermediary and will provide advice which is based on a fair and personal analysis of the market.
Our advice. 4.1. Based on the information provided by you, at our sole discretion we may suggest a strategy for you with respect to the Investments. Such strategy may include, recommending that you vote your shares or units in a certain manner, that you sell your shares or units or that you undertake such other actions as we may suggest. We shall not undertake any action pursuant to the recommended strategy until you approve our recommendations by issuing the documents set out in clauses 4.2. or 4.3 below (as applicable) or such other document as we may request or that may be required by applicable, laws, regulations, practises or procedures.
4.2. Where the User authorizes us to attend a meeting of shareholders or partners to vote in accordance with our recommendations, the User shall authorize us to do so in writing by:
4.2.1. executing a notarized proxy power of attorney substantially in the form set out in Part A of Schedule C; and
4.2.2. completing a voting instruction form substantially in the form set out in Part B of Schedule C.
4.3. Where the User authorizes us to sell all or part of the Investments in accordance with our recommendations, the User shall:
4.3.1. execute a notarized power of attorney substantially in the form set out in Part C of Schedule C; and
4.3.2. complete a sale instructions form substantially in the form set out in Part D of Schedule C.
Our advice. 58.1 We advise you to:
(a) advise us promptly when you are in financial difficulty; and
(b) carefully read these General Conditions, the Schedule, the Facility Details and each security.
58.2 We take no responsibility for any decision you make:
(a) to enter into this facility agreement;
(b) to obtain the facility and any amounts under it; or
(c) about the kind of interest rate (if any) you want under this facility agreement.
58.3 Our officers, employees and authorised agents do not have our authority to:
(a) make any predictions about what might happen to our or anyone else’s interest rate;
(b) tell you what kind of interest rate would best suit you; or
(c) make any other representation, prediction or statement of opinion about any other matter or thing affecting this facility agreement or the security.
Our advice. 7.1 Our advice will be specific to your circumstances and intentions at the point of issue. This advice should not be relied upon and nor will it be suitable for a different use at a different time, in different circumstances or to achieve other aims, or for the use of others.
7.2 As relevant rules and legislation are subject to change, we are not responsible for any actions taken on the basis of the advice or suggestions contained in our report unless instructions are given by you to us to proceed on your behalf. You should ask us to review any advice previously given if a transaction is delayed or is to be repeated, or if an apparently similar transaction is to be undertaken.
7.3 Any advice we give you will normally be in writing, but if given orally will be recorded for your file. Details of your objectives will be included in a suitability report which will be issued to confirm our recommendations. Unless confirmed in writing to the contrary, we will assume that you do not wish to place any restrictions on the advice we give you. If you wish to vary your objectives or those restrictions at any time you should contact us immediately and we will use reasonable endeavours to confirm any variation to you in writing.
7.4 Where any recommendations we make or transactions we undertake for you result in a right to cancel the policy under certain conditions, we will advise you of these rights. We will also tell you if you do not have a right to cancel the arrangement.
Our advice. Before providing advice, we will assess your needs, consider your financial objectives and assess your attitude to any risks that may be involved. If you do not want to discuss a particular area of financial planning and that area should not form part of the advice given, we can exclude it, if you instruct us to do so. This might of course have a bearing on the advice that might have been given. Before making any recommendations, we’ll carry out a suitability assessment so that we are able to act in your best interests. We will confirm any advice given to you in writing (our suitability report) along with details of any risks that may be associated with the products or investment strategies we have recommended. Where we agree to provide you with a service that includes an on-going review of the suitability of the investments we have recommended, we will carry out this review at least annually. To do this, we will need to contact you to assess whether the information we hold about you remains accurate and up to date. We will issue you with a report setting out the results of our assessment and, if relevant, any updated recommendations. Please be aware that investments can fall, as well as rise, and that you may not get back the full amount invested. The price of investments we may recommend may depend on fluctuations in the financial markets, or other economic factors, which are outside our control. Past performance is not necessarily a guide to future performance. Specific warnings relevant to the investments, investment strategies or other products we arrange are provided in the relevant product literature provided. We may, where appropriate, recommend holding some, or all, of your investments with a discretionary fund manager (DFM), a professional investment manager appointed to monitor your portfolio and make investment decisions on your behalf. In such cases we will explain our responsibilities and those of the DFM, in relation to your investments. In some circumstances we may need to act as your ‘agent’ in relation to the part of your portfolio held with a DFM. This means that you will not have a direct contractual relationship with the DFM and the DFM will instead treat our firm as its client. Before setting up this type of arrangement we will explain the implications to you. We offer independent investment advice which means we consider a wide range of financial strategies and products. We are constantly reviewing the market to ensure that the servi...
Our advice. In relation to any particular transaction, specific advice should always be sought by you, and all material information provided to us. Our advice is provided for the purposes described in this Agreement. Its applicability will depend on the particular circumstances of which we were aware in
Our advice. We offer independent investment advice. This means that we consider a wide range of financial strategies and products. We are constantly reviewing the market to ensure that the services and products we offer are appropriate for our clients. Where we recommend particular investment strategies and products to you, these will be selected based on your personal circumstances, financial goals and objectives. We will consider a number of factors, including the services you need, the cost of investing, how much risk you are prepared to accept in an investment product and how much of a drop in its value you could withstand. The areas we can advise on include: ▪ Life assurance ▪ Unit trusts ▪ Investment bonds ▪ Open ended investment companies ▪ Pensions ▪ ISAs ▪ Annuities ▪ Structured deposits ▪ Phased retirement & income drawdown ▪ Investment trusts ▪ Mortgages ▪ Exchange traded funds ▪ Term assurance ▪ Enterprise investment schemes ▪ Critical illness cover ▪ Venture capital trusts ▪ Income protection ▪ Structured products We do not provide advice in relation to individual share holdings. If this is something you need assistance with, you will need to contact a stockbroker. We do not provide advice on options, futures and other derivative contracts as we believe that these are unlikely to be suitable for our clients.
Our advice. We offer independent investment advice. This means that we consider a wide range of financial strategies and products. We are constantly reviewing the market to ensure that the services and products we offer are appropriate for our clients. Where we recommend particular investment strategies and products to you, these will be selected factors, including the services you need, the cost of investing, how much risk you are prepared to accept in an investment product and how much of a drop in its value you could withstand. The areas we can advise on include: Life assurance Unit trusts Investment bonds Open ended investment companies Pensions ISAs Annuities Term assurance Phased retirement & income drawdown Critical illness cover Long term care Income protection . If this is something you need assistance with, we can refer you to a stockbroker. provide advice on options, futures and other derivative contracts as we believe that these are unlikely to be suitable for our clients For further details please refer to our client prospectus. Where we provide protection planning services we are an insurance intermediary and will provide advice which is based on a fair and personal analysis of the market.
Our advice. We offer restricted investment and protection planning advice. This means we have chosen to limit the range of products and/or providers that we’ll consider before recommending a suitable solution for you. Specifically, we have chosen to restrict our platform related business where we use one provider, because we believe that this is suitable for the majority of our clients. We may consider investments that are not available on the platform where this is appropriate for you.
