Disclaimer, Risk Warnings & Complaints

Henwood Court Financial Planning Limited 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.

Website Terms of Use

By accessing the website you accept and agree the following terms:-

Henwood Court Financial Planning Limited has compiled this website and they accept no responsibility for any loss or damage of whatever nature arising in any way out of the use of, or inability to use, this website or from any error or omission in information contained in this website. Henwood Court Financial Planning Limited reserve the absolute right to alter, suspend or discontinue any aspect of this website or the services provided through it, including your access to it.

Copyright and other intellectual property rights in the content of this website, including any Henwood Court Financial Planning Limited marks, logos and brands contained in the website, belong to Henwood Court Financial Planning Limited or its licensor(s) – who have expressly licensed content to Henwood Court Financial Planning Limited.

None of the content or materials available from this website, whether permission is granted for downloading and/or circulation or otherwise, may be used for commercial exploitation. You are permitted to download and store (on a temporary basis) any of the contents of the website provide that it is solely to view such contents. You are forbidden from permanently copying, storing or in any way redistributing the contents of this website except for content made specifically for download, such as fact sheets. Such content may be downloaded only for your personal use. The access, downloading and/or use by any person of anything available from this website is entirely at the user’s own risk.

Any links to other websites have been included for convenience only and Henwood Court Financial Planning Limited accept no responsibility or liability for the contents of, or any loss or damage caused or alleged to be caused by or in connection with use or reliance on the content of, any linked website. The inclusion of any link does not imply endorsement by Henwood Court Financial Planning Limited of any linked website or its provider.

Whilst every care is taken to ensure that the information displayed on this website is correct, no warranty or representation is given to its quality, accuracy, fitness for purpose, usefulness or completeness, In particular the materials on this website do not give specific legal advice and should not be relied upon as doing so. In particular, users should be aware that laws and regulations might be different outside England & Wales.

Henwood Court Financial Planning Limited will only use any personal data collected during our use of this website in accordance with the current UK data protection legislation and our privacy policy.

You agree to indemnify and hold Henwood Court Financial Planning Limited, and any of its officers, employees and agents harmless from and against all and any expenses, losses, liabilities, damages, costs or expenses of any character incurred or suffered and any claims or legal proceedings which are brought or threatened, in each case arising from misuse of or conduct on, this website and/or breach of these terms.

www.henwoodcourt.co.uk is a general audience web site, intended for users of all ages. Personal information of all users is collected, used and disclosed as described in this Statement of Privacy.

Henwood Court Financial Planning Limited collects personal information, such as your e-mail address, name, home or work address or telephone number. Information collected by Henwood Court Financial Planning Limited is used solely for the purpose of responding to enquiries, billing and registration. Henwood Court Financial Planning Limited does not collect any information about your computer hardware and software.

Henwood Court Financial Planning Limited collects and uses your personal information to process enquiries. It is possible that Henwood Court Financial Planning Limited may also use personal information to inform you of other products or services available from Henwood Court Financial Planning Limited and its affiliates. Henwood Court Financial Planning Limited may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

Henwood Court Financial Planning Limited does not sell, rent or lease its customer lists to third parties. Henwood Court Financial Planning Limited may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your personal information (e-mail, name, address, telephone number) is not transferred to the third party.

General Terms & Conditions

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.

All clients of Henwood Court Financial Planning Limited 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.

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 Compliance Officer at the Company’s trading 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 Conduct 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. Further information about compensation arrangements and compensation limits 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.

Any advice that we give will be based on your financial circumstances, objectives and your attitude to investment risk. We will endeavour to ensure that any recommendations made are 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.

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 Terms & Conditions which will be provided to you at the first available opportunity. Material changes will be notified to you at least 30 days in advance of the change taking place.

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 indefinitely.

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 Henwood Court Financial Planning Limited 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.

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.

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.

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.

We are determined to treat our clients fairly at all times. In case conflicts arise between the interests of Henwood Court Financial Planning Limited, 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.

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.

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 FCA 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.

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.

Henwood Court Financial Planning Limited is not authorised by the FCA to handle clients’ money. We never accept a cheques 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 institutions with which you have decided to invest your money with.

Henwood Court Financial Planning Limited charges fees for the services it provides to their clients as shown in our Client Agreement. 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.

All investments will be registered in the client’s name. All documents, cheques, etc may be sent by post at the client’s risk.

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.

Complaints Handling Procedure

We take complaints very seriously and seek to resolve them as quickly as possible.

We will investigate your complaint fairly, competently, diligently and impartially. We will also be consistent with our investigation, as well as being reasonable and prompt. If we decide that remedial action or redress is due we will inform you of this in our 'Final Decision Letter'.

If we decide not to uphold your complaint we will clearly explain why and the reasons for our decision in our Final Decision Letter.

If your complaint is not resolved to your satisfaction you may be entitled to refer it to the Financial Ombudsman Service (FOS).

Professional Indemnity Insurance:- We hold professional indemnity insurance and will work with our insurers during the complaint process.

Our complaints handling procedure is as follows:

Acknowledgement - 5 working days

We are required to acknowledge complaints "promptly". We consider an acknowledgement within 5 working days to be prompt. Our acknowledgement letter will also enclose details of the FOS to whom you can refer your complaint if it is not resolved to your satisfaction.

Final Decision - 4 weeks

Within 4 weeks we aim to issue our decision on your complaint – called a 'Final Decision Letter' (FDL). If we have not resolved your complaint in this time frame we will write to you and explain what the position is, the reason for the delay and a time scale when we expect to send our FDL.

Completion of Investigation - 8 weeks

We are required under the rules of the Financial Conduct Authority (FCA) to complete our investigation in to your complaint and reply to you with an FDL within 8 weeks. If, for whatever reason, we cannot do this we will write to you and explain why.

When replying to you we will provide evidence of our investigation and the reasons for the conclusions we have reached. If we discover we are at fault, we will offer redress or remedial action when we decide this is appropriate. If the decision is to refute the complaint the Final Decision Letter will detail why we are not upholding your complaint.

At this time you will have the right to refer your complaint to FOS. We will also provide you with a booklet and a link to the FOS web site to assist you in doing this.