Terms and Conditions

Index Wealth Management is a trading name of Index Fund Advisors Limited which is authorised and regulated by the Financial Services Authority (FSA), 25 The North Colonades, Canary Wharf, London, E14 5HS, and is bound by its rules. Index Fund Advisors is entered on the FSA register and their registration numbers is 402904. Registration can be checked on the FSA's website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

The contact and registered address of Index Wealth Management is:

Index House, 35 Little Aston Hall, Little Aston, Sutton Coldfield, B74 3BH

Index Wealth Management is an independent broker and advisor and is authorised as an investment intermediary in respect of UK listed and unlisted securities, foreign securities, collective investments, pension funds, life assurance. We are able to offer life policies and life assurance from the whole market.

It is essential that you read and understand these Terms & Conditions prior to applying for our services. Your use of our services will confirm your acceptance of these Terms & Conditions.

GENERAL TERMS AND CONDITIONS

1. DUE CARE AND DILIGENCE. The company will exercise due care and diligence in conducting their business, but will not be liable for any depreciation of investments arranged by them.
2. All clients of Index Wealth Management will be classified as a 'retail' client. This will provide you with the maximum regulatory protection available to you. Should your classification change in the future, we will advise you accordingly in writing and obtain your agreement before proceeding with any financial planning advice.
3. COMPLAINTS PROCEDURE. We have a written policy for handling complaints and how we ensure we deal with each complaint promptly and fairly. You can obtain a summary from us should you so request. Should you have cause to complain for any reason a copy of our policy for handling of complaints will be automatically sent to you. Please direct your complaint to the Client Services Manager at the company address. Clients should be aware that if they are unhappy with any response to a complaint received from the company, they may complain directly to the Financial Ombudsman Service. If you are an eligible claimant under the rules of the Financial Services Authority, you will also be protected by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we cannot meet our obligations. Compensation is provided for the first £30,000 of any claim in full and 90% of the next £20,000 so the maximum compensation from this scheme would be £48,000. Further information about compensation arrangements is available from the Financial Services Compensation Scheme. The Financial Services Compensation Scheme also provides awards if any third party institution we may use is declared in default or insolvent.
4. LEVEL OF SERVICE. Index Wealth Management will conduct a full review of your circumstances. Any advice that we give will be based on your financial objectives and your attitude to investment risk and will endeavor to ensure that any recommendation made is suitable for you. Any recommendation made will be confirmed in writing to you. Should you decline to provide the information requested about your circumstances then we may decline to continue with the business relationship since we would not be able to demonstrate that the recommendation is suitable for you. Investments can go down in value as well as up and you could get back less than you invest. The past is not a guide to future performance.
5. RIGHT TO AMEND. We reserve the right to amend these terms and will give you notice in good time before making material changes.
   *Incidental changes will be notified via an update to the Terms & Conditions on the Index Wealth Management Website.
   *Material changes will be notified to you at least 30 days in advance of the change taking place.
6. DATA PROTECTION. The company ensures that all data will be held in compliance with current and future legislation. You consent to us releasing information about you to regulated entities in order to obtain any quotations/arrange investments or insurance at your request.
   
   The company will keep you informed of financial products and services by email, telephone, fax, post or other reasonable means. If you do not wish to receive marketing material from the company please let us know.
   
   The company will maintain records of data held on clients for a period of 6 years from the date of their last transaction. For your security, and training purposes, telephone calls may be recorded. They may be used as evidence in the event of any dispute with the company.
   
   You agree to us sharing any information that we hold about you with a fraud reference agency should it be required. You can access the data held by Index Wealth Management at any time. A fee of £10 may be charged to cover costs. The information held about you, on both hard copy and computer, will be sent to you within 40 days of the initial request.
7. DELAY IN PROCESSING. The company will not be held responsible for any delay beyond its control, or as a result of a failure by any party (including the client) to complete all the necessary steps to process a transaction.
8. MONEY LAUNDERING. We are obliged to conform with the UK Money Laundering Regulations and to the Joint Money Laundering Steering Group guidance notes. These regulations require all financial institutions to verify the identity and place of residence for each beneficial owner. In order to meet these requirements, we will require sight of certain documentation and confirmation as to where the investment monies are coming from. If you provide false or inaccurate documentation and we suspect fraud or money laundering then this will be recorded.
   
   We may on occasion, meet our money laundering verification obligations by conducting an electronic check using a third party. If you do not wish Index Wealth Management to use this system as a way of checking your identity, then please let us know immediately. The company reserves the right to approach a third party in order to verify the identity of a client, or any other person providing funds on behalf of an investment made in the client's name.
   
   Where further information is required, to verify identity, the company reserves the right to delay applications or withhold settlement until sufficient identification has been provided.
9. OUR APPROACH TO MANAGING CONFLICTS OF INTEREST. We are determined to treat our clients fairly at all times. In case conflicts arise between the interests of Index Wealth Management, our employees and our clients and also between clients, we have a specific policy in place to ensure that we identify and handle conflicts fairly and treat our clients with honesty and integrity at all times. Should a conflict of interest be identified then we will inform you in writing and obtain your consent before we carry out your instructions.
10. NOT READILY REALISABLE INVESTMENTS. We may on occasions, and if appropriate, advise you on investments which are not readily realisable. Where this is the case, we will 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.
11. UNREGULATED INVESTMENTS/PRODUCTS. Our services may also include advice on investments relating to or executing transactions in units in unregulated collective investment schemes. Where we recommend an unregulated investment/ product then we will confirm to you that the FSA does not regulate the investment/product and therefore you will not be afforded the protections from the Financial Ombudsman Scheme or the Financial Services Compensation Scheme.
12. LAW. These Terms & Conditions will be governed by and construed in accordance with English law.
    
    We shall communicate with you in English. All documents will be provided to you in English and it is expected that you will communicate with us in English. There is no minimum duration for the contract.
13. CLIENT MONEY. Index Wealth Management is not authorised by the FSA to handle clients' money. We never accept a cheque made payable to us (unless it is a cheque in settlement of our charges or disbursements for which we have sent you a fee note) or handle cash. All cheques for investment purposes should therefore be made payable to the institution9s0 with which you have decided to invest your money with.
14. PAYMENT FOR SERVICES. Index Wealth Management charges fees for the services it provides to their clients as shown in the 'Key Facts About Our Services' document. We have set out details of our fee arrangements in your Letter of Engagement and accompanying menu ('Key Facts About the cost of our services') which should be read in conjunction with this document. If we receive commission or any other form of benefit in respect of transactions we shall tell you the amount of commission payable to us.
15. DOCUMENTATION. All investments will be registered in the client's name.
    
    All documents, cheques, etc may be sent by post at the client's risk. We shall at the clients request and expense, send documents by registered post. In the absence of such a request, the client shall pay all charges incurred for the recovery or replacement of lost documents.
    
    The company or its client may terminate authority to act for a client by providing notice of termination in writing. This shall be without prejudice to any transaction already in progress.

DISCLAIMER

The use of this website is subject to the following:-

• The website is provided solely for retail clients who are over the age of 18 and are resident in the UK. The website and the information contained therein should not be regarded as an offer or solicitation to conduct investment business in any jurisdiction other than the UK. Investors who are resident in or citizens of countries outside of the UK may be subject to local restrictions. Due to the implementation of the European Savings Directive in the UK, we may be required to collect additional information for investors who are resident outside the UK for tax purposes.
• The Index Wealth Management website may also contain links to and from third parties. The information and services offered within these third party websites has been produced by companies' independant of Index wealth Management who may not be regulated to conduct investment business. Any information, views or opinions accessed via these links from the Index wealth Management website are solely those of the relevant provider and are not necessarily shared by Index Wealth Management. As such, Index Wealth Management accepts no responsibility for the content contained within these third party websites.
• The Index Wealth Management website may also contain information supplied by third parties which is believed to be reliable and accurate. However, Index Wealth Management does not guarantee this and accepts no liability for the information so provided.

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