Your adviser is independent and acts on your behalf as your agent. Your adviser is therefore able to provide unrestricted advice on retail investment products based on a comprehensive and fair analysis of the market. For mortgage advice, your adviser provides independent mortgage advice on first charge mortgages. This is a mortgage where the lender takes the first charge on the property. This will include most mortgages. Further advances can also be arranged, where appropriates but advice isn’t provided on a second charge mortgage.
We are permitted to give advice on mining, trading, investments, or general insurance, and mortgages and arrange transactions in this product for investment products, this will include not just packaged products but also structured products, all investment trust and any other investment that offers exposure to underlying assets but in a packaged form which modifies that exposure compared with direct holdind in the financial market.
In order to provide you with personal financial advice and recommendations suitable for your particular circumstances, we will undertake a fact find to gather the appropriate information to assets you need. We will outline from assets whether our advice will cover your entire financial plan needs or whether it will focus on a specific area considering any restriction you place on what advice you want.
We require our clients to give us instructions in writing, or we may confirm our understanding in writing by post or by email in order to avoid possible disputes. This will usually be informed of a proposal or application form.
We will then be able to out clearly your financial planning objectives based on your stated objectives acceptable level of risk any restrictions you wish to place on the type of policies you are willing to consider. Details of your stated objectives may be set out in a suitable report we will issue to you to confirm our recommendation.
You are hereby acknowledged that in the event of firm assisting you in the completion of any investment or insurance application or policy proposal forms that you will in any event continue to bear full responsibility for the accuracy and completeness of the information entered on such forms. Therefore you understand that inclusion of incorrect information omission of any material facts may result in the insurance investment or policy to which the application or proposal relates to being adversely adjusted, made void and or any claims made against it being refused. It is your responsibility to advise us on any changes. We will forward to you all documents showing ownership of your investment and contracts as soon as practicable as we receive them. All such documents may be sent by post, and this will be at your risk.
The type of client category will determine the levels of protection afforded to you under the financial services and Market Act.
The firm proposes to classify you in accordance with the financial conduct authority rules as a retail client, and the regulatory protection available to you will be the highest available. This agreement is personal to you and not assignable.
We may accept instructions from and give information to third parties or your other advisers on your behalf where you have confirmed in writing that we may do so. We can not accept any responsibility for errors in information supplied by such persons.
Where you are a trustee director or officer of any trust cooperation or LLP – LLC requiring advice you warrant to us that you have full authority to act on behalf of the same and there are no restrictions on the limits of our advice of which we have not been made aware.
We will not be responsible for advising on compliance with your trust, trustee, director, or officer obligations.
You will pay for our service by either a fee or a combination of fee and – or fee by payment facilitation through product charging. (In as migrating to premium and platinum package to initiate an external deposit of at least once, before processing of either another trade or existing trading package or processing of withdrawal evenly. We will discuss your payment option with you and answer any questions you have accordingly. We will not charge you until we have agreed with you on how we are to be paid.
If the sum of all your capitals including total deposits, profits and active trades, If the sum of all capitals in your account dashboard gets above the minimum deposit amount of the Platinum package, then you must make an external deposit on platinum package and resume a trade on the Platinum package to keep the trade statistics on good tracks.
(Failure to follow this procedure can bridge withdrawal or lead to account suspension)
For payment options relating to investment advice, please refer to any of our web based administrators. Value Added Tax (VAT) may be payable on some or all the work we do. We will inform you if and where VAT is applicable.
We will make arrangements for all your investment policies and / or contacts to be registered in your name unless you instruct us otherwise in writing. You have a right to request contract notes and entries in our records in relation to transactions on your behalf with a charge that depends on your investment portfolio. We forward to you all documents showing ownership of our investment policies and/or contracts as soon as practicable after we receive them.
Where a number of documents relating to a series transaction is involved. We will normally hold each document until the series is complete and then forward them to you.
The cancellation rights for each individual policy you have been advised on will be explained to you by our supportive and concerned web based administrator before or at the time you confirm or carry out the transaction.
Relevant risk warnings will be advised to you throughout the financial planning process and in maybe your suitability report.
The value of investment may go down as well as up, and you may not get back the amount invested.
Levels of income from investment may fluctuate. We can not be help responsible for any depreciation in the value of investment arranged for you. Non – readily, releasable investments will generally have a restricted market, and therefore, it may be difficult to deal with that investment or to obtain reliable information about its value.
For mortgages, please be aware that your home may be repossessed if you do not keep up repayments on your mortgage.
For insurance products, your insurance policy may lapse if you do not keep up to date with regular premium payments, and you may not be covered if a claim is made.
You or we may terminate our authority and/or this agreement to act on your behalf at any time without penalty. Notice of this termination must be given in writing and will take effect from the date of receipt.
Termination is without prejudice to any transaction already initiated, which will be completed according to this client agreement unless otherwise agreed in writing.
You will be liable to pay for any transaction made prior to termination and any fees that may be outstanding.
We are not connected to any product provider, but occasions can arise where we, or one of our customers, will have some form of interest in business which we are transacting for you. If this happens or we become aware that our interests or those of one of our other customers conflict with your interest. We will inform you in writing and obtain your consent before we carry out your instructions. There may be occasions where we will be unable to act for one of the parties.
As a consequence of such potential conflict arising, we have put arrangements in place to ensure our clients are treated fairly. We have also implemented a conflict of interest policy to help us manage such risks that you may access on request.
When an advisory firm works in a partnership with a discretionary manager, an appropriate agreement must be in place. Should a recommendation be made to appoint us, WISEWEALTHWAVE trading act as a discretionary manager for any proposed investment, a formal discretionary manager agreement will be required that sets out how your investment will be managed.
We recognise the potential conflict of interest operating within a group structure and maintain robust systems and controls to mitigate the risks.
We are registered under the Data Protection Act. You acknowledge and understand that we keep personal and financial information with regard to your circumstances on file (electronic and – or paper based) as required to be able to advise you as to your financial planning needs. We can not be held responsible for the information held on your file being inaccurate due to you failing to inform us of a change of circumstances.
Where business services are provided to us by third parties, then circumstances may arise, which warrants the disclosure of more than just your basic contact details. On this occasion such as processing business and obtaining compliance and regulatory advice you agree that personal information held by us may be disclosed on a confidential basis and in accordance with the data protection Act to such third parties.
You agree that this information may be transfered electronically (e.g – email) You also agree that we or any such third party may contact you in future by any means of communication which we or they consider appropriate at the time.
We keep records of our business transactions with you for at least three years.
We are required to verify your identity in accordance with the proceeds of the crime act and the money laundering act and regulations. We deserve the right to approach third parties and to delay any of your applications until adequate verification of identity has been obtained.
You agree to indemnify us in relation to any act proceedings or claims which we incur directly or indirectly as a result of our acting under this agreement save that this idemnity shall not apply to the extent it arises out of our negligence, fraud, bridge of this agreement or our regulatory responsibilities.
We reserve the right to amend this agreement at our discretion where changes in regulation or law necessitate by giving you notice in writing. You will also be given the option to accept our new agreements or terminate our authority.
This agreement shall be governed by and construed according to Nerthalands law. Any dispute shall be determined in the jurisdiction of Nerthaland Courts.
This is our clients agreement upon which we intend to rely. For your own benefit and protection, you should read these terms carefully before signing up or signing them. If you do not understand any point, please ask for further information.
I understand and consent to the terms of this clients agreement, and i hereby authorise the transfer of information as described above, on a commercial basis, and warranted between such third parties.
I authorised you to liaise with my other professional advisers wherever necessary to exchange relevant personal information pertinent to my financial planning requirements and to rely on such information provided.
I agree that this clients agreement will come into effect from the date below.
Clients name: ________________________________________________________
Wisewealthwave Act ID: ________________________________________________
Client signature: ______________________________________________________
Date: ______________________________________________________________
