Common use of Risk Warnings Clause in Contracts

Risk Warnings. In all cases we will communicate the risks of acting and not acting on our recommendations to you both verbally and in writing. The performance of an investment is not guaranteed and you are not certain to make a profit. The value of funds can go down as well as up. Specific warnings relevant to the investments, investment strategies or other products we recommend will be confirmed to you in your suitability report. Under the terms of this agreement, we may, if appropriate, advise you on investments which are not readily realisable. We would draw your attention to the risks associated with these investments as there is a restricted market for them. In some circumstances it may therefore not be possible to deal in the investment or obtain reliable information about its value. Unregulated Financial Products Our services may also include advice on investments relating to, or executing transactions in unregulated financial products including non-mainstream pooled investments such as unregulated collective investment schemes (UCIS). Accordingly, we will carefully consider whether such investments are suitable for you in light of your personal circumstances and the financial resources available to you. We may also, on occasion, advise on other financial products which are not regulated by the Financial Conduct Authority (FCA). The Financial Services Compensation Scheme does not apply to any of these products. Client Money Neither Pensionhelp or your adviser are authorised to handle client money. All cheques for premiums, investment monies of any kind and lender and professional fees must only be made payable to the life assurance company, friendly society, or investment management group or firm providing the product or service concerned. Under no circumstances should a cheque for premiums or investment monies of any kind be made payable to your adviser and/or Pensionhelp. Invoices for services provided by Pensionhelp will be issued by and are payable to Pensionhelp.

Risk Warnings. In all cases we will communicate the risks of acting and not acting on our recommendations to you both verbally and in writing. The performance of an investment is not guaranteed and you are not certain to make a profit. The value of funds can go down as well as up. Specific warnings relevant to the investments, investment strategies or other products we recommend will be confirmed to you in your suitability report. Under the terms of this agreement, we may, if appropriate, advise you on investments which are not readily realisable. We would draw your attention to the risks associated with these investments as there is a restricted market for them. In some circumstances it may therefore not be possible to deal in the investment or obtain reliable information about its value. Unregulated Financial Products Our services may also include advice on investments relating to, or executing transactions in unregulated financial products including non-mainstream pooled investments such as unregulated collective investment schemes (UCIS). Accordingly, we will carefully consider whether such investments are suitable for you in light of your personal circumstances and the financial resources available to you. We may also, on occasion, advise on other financial products which are not regulated by the Financial Conduct Authority (FCA). The Financial Services Compensation Scheme does not apply to any of these products. Client Money Neither Pensionhelp Direct or your adviser are authorised to handle client money. All cheques for premiums, investment monies of any kind and lender and professional fees must only be made payable to the life assurance company, friendly society, or investment management group or firm providing the product or service concerned. Under no circumstances should a cheque for premiums or investment monies of any kind be made payable to your adviser and/or PensionhelpPensionhelp Direct. Invoices for services provided by Pensionhelp Direct will be issued by and are payable to PensionhelpPensionhelp Direct.

Risk Warnings. In all cases we will communicate the risks of acting and not acting on our recommendations to you both verbally and in writing. The performance of an investment is not guaranteed and you are not certain to make a profit. The value of funds can go down as well as up. Specific warnings relevant to the investments, investment strategies or other products we recommend will be confirmed to you in your suitability report. Under the terms of this agreement, we may, if appropriate, advise you on investments which are not readily realisable. We would draw your attention to the risks associated with these investments as there is a restricted market for them. In some circumstances it may therefore not be possible to deal in the investment or obtain reliable information about its value. Unregulated Financial Products Our services may also include advice on investments relating to, or executing transactions in unregulated financial products including non-mainstream pooled investments such as unregulated collective investment schemes (UCIS). Accordingly, we will you should carefully consider whether such investments are suitable for you in light of your personal circumstances and the financial resources available to you. We may also, on occasion, advise on other financial products which are not regulated by the Financial Conduct Authority (FCA). The Financial Services Compensation Scheme does not apply to any of these products. Client Money Neither Pensionhelp or your adviser are authorised to handle client money. All cheques for premiums, investment monies of any kind and lender and professional fees must only be made payable to the life assurance company, friendly society, or investment management group or firm providing the product or service concerned. Under no circumstances should a cheque for premiums or investment monies of any kind be made payable to your adviser and/or adviser, Pensionhelp. Invoices for services provided by Pensionhelp will be issued by and are payable to Pensionhelp. Full details of the products we recommend to you including, for example, the minimum duration of the product, information on your right to cancel or whether no right to cancel exists, and any other early termination rights and penalties, will be covered in the relevant product disclosure information you will receive before the conclusion of any contract. In most cases you can exercise a right to cancel by withdrawing from the contract. In general terms you will normally have a 30 day cancellation period for a life, protection, payment protection or pension policy and a 14 day cancellation period for all other policies. Instructions for exercising the right to cancel, if applicable, will be contained in the relevant product disclosure information which will be provided to you. If you cancel a single premium contract, you may be required to pay for any loss you might reasonably incur in cancelling it which is caused by market movements. This means that, in certain circumstances, you might not get back the full amount you invested if you cancel the policy. We take our responsibilities for your data very seriously and we are committed to doing the right thing when it comes to how we collect, use and protect your personal data. Full details are contained in our separate ‘Privacy Notice’ it explains why we collect your personal data, the type of personal data we collect and how we use it when providing your services to you. It also explains the rights and choices you have when it comes to your personal data. We are required by the anti-money laundering regulations to verify the identity of our clients, to obtain information as to the purpose and nature of the business which we conduct on their behalf, and to ensure that the information we hold is up-to-date. For this purpose we may use electronic identity verification systems and we may conduct these checks from time to time throughout our relationship, not just at the beginning. In transmitting investment applications on your behalf to third parties, we will take all reasonable steps to ensure that we obtain the best possible result for you. This is referred to as ‘best execution’. A copy of our best execution policy is available on request. Neither our firm nor our employees are qualified to render legal or accounting advice or to prepare any legal or accounting documents. It is hereby understood and agreed that the onus is on you, the client, to refer to a solicitor or accountant any point of law or accountancy that may arise during the course of discussions with us.