Services we provide
4.1 You will be provided with financial advice on all investments, retirement plans, and other firm-affiliated services.
4.2 Diversification options recommended to you, will be valid for a period of between six months to twelve months from the date of the recommendation letter unless there is a material change in any of the information you provided your Adviser. If any of the information captured within the recommendation letter is no longer correct, please let your Adviser know as this may impact the suitability of their recommendation on the investment.
4.3 After you confirm verbally that you want to proceed with the recommendation, an application will be submitted to the firm along with your investment plan for its consideration and initiation, and we’ll update you regularly on the status of your investment.
4.4 If you decide you don’t want to receive advice or you reject our advice, we won’t be able to help you apply for a suitable investment.
4.5 More information about our Services is stated in the Contract. .
Services we don’t provide
5.1 We don't provide independent financial whole-of-market market advice. This means we cannot compare products for you or advise you on products other than Cambridge Investment Research Inc.
5.2 We don't provide legal, tax, accounting, or any other advice outside the scope of the Services. You're responsible for obtaining or arranging your professional legal, tax, accounting, and wealth management advice as appropriate during the advice and application process unless in special cases where recommendations can be made to the clients.
5.3 We advise on and arrange any type of insurance. This means we would be able to help you obtain an insurance policy for your Investment, Property, or Asset
5.4 If we don’t have a suitable product for you, we’ll introduce you to other services, with access to products from other providers, and give whole-of-market advice. We do not receive any fees, commissions, or other benefits for introducing you to these services in those circumstances.
5.5 Where you require funds to pay for or use on your account but are in shortage, we do provide options.
OUR FEES AND CHARGES
What you pay
6.1 You're required to pay fees or charges for the Services regarding the funding of your short or long-term care needs or arrangements. In such respect to you requiring financial advice on funding your care needs, you may speak to a Grant Officer.
Post-Completion Advisory Services
7.1 After entering into a contract with a CIR broker, you should ask any questions about the services made available to you.
7.2 You may be required to pay other fees such as a Certificate of premium insurance fees, Investment plan account maintenance, Capital gain tax, and withdrawal fees to other parties in connection with entering into a contract with Cambridge Investment Research Inc. Your Contract includes examples and explanations of such fees.
7.3 You will not incur any direct costs as a result of interacting with us over the phone or online. However, if you make a call to us, or participate in a three-way conversation, you will be charged a standard call rate by your telephone provider in line with your cell payment plan.
Remuneration we receive
8.1 We receive payments from our parent organization, called a “procuration fee”, if you complete an investment, recommended to you. The fee is calculated as a percentage of the amount under the investment.
8.2 After you take out a Lifetime/Retirement Plan which includes a Drawdown Facility, we'll receive further fees from our parent organization for any investment including your obligations under your investment. If you need financial advice or updates in respect of your investment, always refer to your CIR broker. You must tell us of this and provide details immediately.
8.3 If you don't give us all relevant information relating to your personal and financial circumstances, there is a risk that
8.4 If your circumstances change or you expect them to change while we’re providing services to you, the services we provide won’t be suitable for you.
HOW WE OPERATE.
How we communicate with you
9.1 We’ll communicate with you by post, email, text message, and in person for clients within the country
9.2 If you give us verbal instructions, we may require you to confirm any such instructions to us in writing or by email.
9.3 All communication and documents provided by us to you.
Financial crimes
10.1 We’re required by all anti-money laundering regulations to verify the identity of all our customers and to obtain certain information about the business
Client money and client documentation
11.1 We are licensed and authorized to receive, hold or handle your money or your legal documentation (such as title deeds) on your behalf. Drawdowns you make. This will be explained to you by your Adviser during your Recommendation Meeting. Certain information about the business which we’ll be conducting on their behalf. We must also ensure that all information we hold is up to date.
11.2 We may use electronic identity verification systems and perform ongoing checks on you from time to time throughout our relationship to make sure we comply with our obligations under the antimony laundering regulations.
11.3 You agree to provide us with any such information we may reasonably require (including hard-copy evidence of identity) to verify your identity and to help us comply with our obligations under applicable anti- money laundering regulations.
Conflict of interest
12.1 There may be times when we or one of our Employees or associates have one or more professional or personal interests that conflict with your interests, which may prevent us from providing Services to you in an impartial manner. Clause 13.2 sets out how we deal with such circumstances. Subject to the rules of our governing. Before or during the time we’re providing any Services to you, we’ll disclose to you the nature of the conflict and what steps we’ll take to mitigate any risks of you being treated unfairly as a result of the conflict identified. You can then choose whether you still wish to proceed with the Services
Conflict of interest
13.1 As part of providing our Services to you, we must consider the impact of Cambridge Investment Research on your entitlement (if any) to means-tested benefits, your tax position, and alternative methods of raising the required funds. In some cases, where we require more information about means- tested benefits and tax allowance, we may refer you to an appropriate source of information (e.g., the Pension Service, HM Revenue & Customs, or Citizens Advice) to obtain the required further information. You agree to obtain such further information as required.
Record
14.1 We’ll keep your personal information and the advice we provide you following retention policies. We’ll determine the length of time we keep them based on the minimum retention periods required by law or regulation. We’ll keep your personal information after this time only if there’s a legitimate and provable business reason to do so. We'll process your information as set out in Clause 17. Agencies, monetary benefits from third parties (e.g., other companies within the finance sector).
EXPECTED RESULTS
What you must do
15.1 You're responsible for communicating openly with us and providing full funding for the investment.
Cancellation and Amendment
Ending this agreement
16.1 You or we may terminate the Services under this Agreement at any time, without penalty, by either party giving seven business days’ notice in writing to the other. If we stop providing Services, Clauses 4, 14, and 16 of this Agreement cease to apply, while the remaining terms of this Agreement will continue to apply to our relationship. This means Clauses 1-3, 5-13, 15, and 17-26 will continue to apply after the Agreement ends (e.g., we’ll continue to comply with our record keeping obligations following Clause 15 even after we’ve stopped providing Services to you).
16.2 Unless otherwise agreed between you and us in writing, on termination of the Services we’ll immediately stop working on any application being prepared for you or, if possible, withdraw any application already submitted to Cambridge Investment Research Inc. on your behalf. Should it not be possible to withdraw your application, we’ll refer you to the appropriate Cambridge Investment Research Inc. authorities to discuss your options.
16.3 If we’ve submitted on your behalf, you’re not bound to complete an investment with Cambridge Investment Research Inc. However, if you withdraw from an application that has already been submitted, you might still be liable to pay application-related fees to us (e.g. valuation or product fees) or a third party (e.g. a conveyancer) in connection with the making of that application. Any fees that you are committed to paying as part of an application will be relayed to you by your adviser. If you have any questions about fees you should speak to your adviser. We may on occasion receive minor monetary or non-monetary benefits from the parties (e.g. other companies within your financial sector) in connection with the business. We’ll accept and
16.4 We’ll take all appropriate steps to prevent a conflict of interest from occurring following the conflicts of interest policy. Where we cannot prevent a conflict of interest, we’ll take all appropriate steps to manage the conflict and prevent any impact on our services with you.
YOUR DATA
Using your information
17.1 We’ll decide for which purposes and how any personal information we obtain relating to you is processed. We’ll process all personal data relating to you following this Agreement, and our Privacy Policy. This includes sharing your personal data with Cambridge Investment Rese to help it set up and manage your investment, which includes information about your account and trade activities. A copy of our current Privacy Policy is in your Contract, which explains how your personal data will be processed and shared.
one recording and analysis
18.1 We’ll record telephone calls and face-to-face meetings (audio only) between you and our Advisers for your and our protection and to improve our customer service standards.
18.2 We may also use voice analytics software to oversee our staff and ensure we deliver fair outcomes for customers.
18.2.2 All new or amended recommendations, requirements, or decisions by any court, ombudsman, regulator, or similar body which are applicable to the conduct of our business or Services we provide to you
18.2.3 Any change to our technology or other systems used in connection with the Services we provide to you, including where the change is needed either to improve the operation of those systems or to integrate them with the methods used by another organization that we acquire or by which we are acquired
18.2.4 Any errors spotted, will reasonably require changes or rectification.
18.3. We’ll give you at least 30 days after written notice is issued, in advance of any change we make pursuant to this Clause 20.
Your Adviser
19.1 We’ll try to ensure that you have the same Adviser throughout the time we provide Services to you. However, when that isn’t possible (e.g., when the Adviser leaves our employment), we’ll appoint another adviser to provide services in accordance with this agreement. We’ll also give you reasons if we have to switch your adviser.
GENERAL TERMS AND CONDITIONS
Sending notices to you
20.1 As set out in Clause 7, you’re only required to pay us fees or charges for the services we provide you, even if you or we terminate the service. You’ll remain liable for any third-party fees incurred by you before termination, if applicable.
20.2 If you wish to cancel your application, you can do this by contacting your Adviser. Alternatively, you can send a letter addressed to Contact@financewithrobert.com which clearly states your desire to cancel your investment
Sending notices to you
21.1 We may vary this Agreement from time to time without your consent for the purpose of giving you the benefit of enhanced or additional services which become available in connection with the Services we provide to you.
21.2 We may also vary this Agreement from time to time without your consent for the purpose of responding reasonably and proportionally to:
21.2.1 If there are any changes in the law, regulatory requirements, or codes of practice which is or are applicable to the conduct of our business or the Services we provide to you.
22. Communication with you will be done by post or email using the contact details you give to us in accordance with Clause 10:
22.1 If we send you a notice or demand:
22.1.1 By post, to the address you’ve given us, you’ll be deemed to receive it 48 hours after posting; or
22.1.2 By email, to the email address you’ve given us, you’ll be deemed to receive it the day we send the email if we send it before 5 pm, or on the following day if we send it after 5 pm.
Law that applies to this agreement
23.1 This Agreement and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with it or its subject matter or formation shall be governed by and construed in accordance with the law of the United States of America and will have jurisdiction to settle any such disputes or claims.
Third-party rights
24.1 The services we provide you and the reasonable recommendations we make for your benefit only cannot be relied on by any other person who isn’t party to this agreement
24.2 Only both parties may enforce the terms of this agreement.
COMPLAINTS AND QUERIES
Complaints
25.1 If you have a complaint about any part of our services, or you’d like us to send a copy of our Internal Complaint handling procedure. Please contact us
25.1.1 Writing to Cambridge Investment Research Inc., 1776 Pleasant Plain Rd, Fairfield, IA 52556, United States
25.1.2 Free phone on +1 (828) 237-7467
25.1.3 Premium Safeguard is covered by insurance. Claims where an eligible person has experienced financial loss, with an upper limit of £85,000 per eligible person, per firm.