The small print

We strive to offer you the best level of service possible. To ensure that we meet your expectations, it's important for you to be aware of the "small print" and understand your commitments as a client.

Your Commitment: To ensure we can provide you with the best service possible, we kindly request that you:

Keep us informed of any changes to your personal and financial prospects
Read any reports we provide you with
Approve and sign the client consent form
Return any requested information as promptly as possible
Allow us to communicate with your other professional advisors when needed.

Policy Documents and Contract Notes: We will forward all ownership documents of your plans, contracts, and investments as soon as we receive them. The policy documents will be sent directly from the recommended provider or lender.

Material Interest: As financial advisors, there may be instances where our interests or those of another client conflict with yours. In these cases, we will inform you in writing and obtain your consent before proceeding with your instructions.

Data Protection: We are registered under the Data Protection Act 1998 and keep personal and financial information about you on file to fulfill our duties and advise on your financial planning needs. This information will not be used or transferred to another firm or company unless required in the course of business. In certain circumstances, when business services are provided by third parties, your personal information may be disclosed on a confidential basis. You agree that this information may be transferred electronically, and we or any such company may contact you in the future by any means we consider appropriate. We keep records of our business transactions for at least six years and reserve the right to amend these terms as necessary.

Identity Verification: To provide advice, we are required to verify your identity, and we may perform an electronic identity check, which will be kept on file.

Client Money: For your security, we do not handle your money. For premiums payable to lenders or insurance companies, we only accept a cheque made payable to 2plan wealth management or our network, and we provide a receipt unless VAT is chargeable, in which case an invoice will be issued instead. We also accept bank transfers and direct debits.

Professional Indemnity Insurance: 2plan wealth management Ltd and our network maintain professional indemnity insurance at the minimum level specified by the FCA.

Termination of Authority: Either you or we may terminate our authority to act on your behalf at any time by giving notice in writing, which will take effect from the date of receipt. You will be responsible for any transactions made prior to termination and any outstanding charges.

Cancelling Your Ongoing Service: If you no longer require an ongoing service, please let us know in writing. We will cancel any ongoing charges and refund any payments received for this service.

Amendment: We reserve the right to amend these terms as necessary due to changes in regulation, law, etc. by giving you notice in writing.

Legal Jurisdiction: These terms of business will be governed by and construed according to English Law, and any disputes will be determined in the English Courts.

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The value of investments can fall as well as rise and you may not get back the amount originally invested.