In2 Consulting Limited offers independent financial advice and arranges investments in regulated collective investment schemes such as Unit Trusts, OEICS, Investment Trust savings schemes, ISAs and PEPs.  In addition we advise upon and arrange mortgages.  We area able to offer products from the whole of the market which we believe gives our client’s the widest possible choice.

This Terms of Business is designed to come into force upon receipt and provides important information regarding the way that we provide our services to you.  If you have any questions or require clarification on a particular matter please do not hesitate to contact us.

In2 Consulting Limited is authorised and regulated by the Financial Services Authority.

We will obtain sufficient information from you in order to outline your investment objectives and these will be described in a Suitability letter to be read in conjunction with this Terms of Business.

It is our intention to categorise you as a private customer from outset and provide our services on this basis as it offers the highest level of regulatory protection to you.  Following our discussions, it may however be appropriate, based upon your experience and understanding of the service being provided, for you to be categorised as an intermediate customer.  If this becomes applicable, we will discuss this area with you in more detail and if acceptable issue an amended Terms of Business for your agreement.

We will initially provide our services to you on the basis that you have not put any restrictions on us regarding the types of investment or the markets you wish us to consider.  If, during our discussions, you indicate that restrictions should be put into place, we will confirm this in writing to you.

Please note that our services include advising on investments relating to, or executing transactions in, units in unregulated collective investment schemes.

It is your responsibility to provide complete and accurate information to us and insurers when you effect your policy, throughout the life of your policy, and when you renew your insurance.

It is important that you ensure that all statements you make on proposal forms, claim forms and other documents are full and accurate.  We cannot be held responsible for incorrect data held in the event of non-disclosure.

If you fail to disclose any material information to us or your insurers, this could invalidate your insurance cover and could mean that part or all of a claim may not be paid.

We derive income from commission paid to us by Life Assurance Companies, Unit Trust Managers and Investment Trust Companies with which investments are made.  We will advise you of the amount of commission payable to us on any such investment.

We may charge fees in place of, or together with, commission.  In these circumstances, we will notify you in advance and ask that you return a signed copy of the agreement to the charges outlined.

We request that our clients give us instructions in writing to avoid possible disputes.  Therefore, verbal instructions should be confirmed in writing.

Where we arrange a life policy, pension or investment for you, the provider will produce documentation as evidence of the transaction. All investments will be registered in your name, unless you first instruct us otherwise in writing.

We will forward to you all documents showing ownership of your investments as soon as practicable after we receive them.  Where a number of documents relating to a series of transactions are involved, we will normally hold each document until the series is complete and then forward them to you.  We cannot retain such title documents for whatever reason including holding them as security.

We keep records of all business transactions for at least six years.  You have the right to inspect copies of any papers or computer records relating to your transactions.  We do, however, reserve the right not to provide you with copies of records if information relating to other parties would be disclosed.

To assist us in providing you with a comprehensive service and to keep our records as up-to-date as possible, please notify us of any changes to your personal circumstances, e.g. name change, change of address, etc., as soon as possible.

WE DO NOT HANDLE CLIENTS’ MONEY and we never own the investments that you buy through us.  Therefore, we never accept a cheque made out to us, unless it is in settlement of charges or costs for which we have sent you an invoice, nor do we handle cash.

In addition to making calls at your express invitation, we may contact you at intervals to review your investment requirements.  This may involve writing or telephoning you to outline possible changes in legislation or to advise you on services or investments that might be of particular interest.

When we have arranged investments for which you have given us instructions, we will not give any further advice unless you request it, but will be pleased to advise you at any time, should you ask us to do so.

In the course of our dealings with you we consider it unlikely that we will have a conflict of interest, or material interest in the transaction, other than the receipt of fees or commission described above.  Where however, we have a conflict of interest, or a material interest, or where we are aware that one of our other customers has such an interest, we will disclose full details to you in writing or orally before we advise you about the transaction and give you the opportunity to object to this interest.

If we make a recommendation that is likely to involve a transaction with or through another person with whom we have an agreement to receive goods or services (a so called “soft commission agreement”) we will let you know at the time of the recommendation of any such agreement and our policy regarding such agreements.  At present we have no soft commission agreements in place.

It is our intention to always provide the highest quality level of advice and service.  If however you become dissatisfied with our provision of, or the failure of us to provide, a financial service details of how to complain are included in the ‘key facts’ document titled ‘About our Services’ which form part of our Terms of Business with you.  We are also covered by the Financial Services Compensation Scheme and further information on this is contained in the same key facts document.

It may on occasion be necessary to amend our Terms of Business.  Unless we obtain your consent, we will give you at least fourteen days notice of our intention to do so before conducting investment business with or for you, unless it is impracticable in the circumstances to do so.

Our Terms of Business may be terminated at any time without penalty by either party, giving seven days’ notice in writing to that effect to the other, but without prejudice to the completion of transactions already initiated.  A due proportion of any charges for services provided shall be settled to that date.

Information that we hold about you will be held on computer and/or in paper files under the Data Protection Act 1998. This information will be used to administer your application, to deal with queries and to bring to your attention additional services and products that may be of benefit to you. You may ask us not to contact you about additional services and products by writing to us at the address shown in this letter.

The information that you give us may be disclosed to third parties, such as product providers and credit reference agencies for the purpose of processing your application, to third party administrators, to our Regulators, the Financial Services Authority, and to our Compliance Advisers. It will also enable further services to be provided to you, and so that your details can be best matched with the services available.

These terms of business exclude any rights which may be conferred upon third parties by the Contracts (Third Party Rights) Act 1999.

These Terms of Business are governed by and shall be construed in accordance with English Law and the parties shall submit to the exclusive jurisdiction of the English Courts.