Earnshaw
Consultants Limited
Stanway
Buildings
1 Ashfield Road
Sale
Cheshire
M33 7DY
Tel: 0161 969 6333
Fax: 0161 969 7333
info@earnshawconsultants.co.uk
Earnshaw Consultants Limited
Our Terms of Business
Earnshaw Consultants Limited is authorised and regulated by the Financial Services Authority to conduct investment business under the Financial Services & Markets Act 2000.
Earnshaw Consultants Limited is an independent adviser which means that we will act on your behalf in advising you on associated life assurance, pensions and investment products from a range of different companies.
Our Services
Earnshaw Consultants Limited is permitted to arrange deals in investments and advise on investments.
Any investments we have arranged for you, will be kept under review. In addition, we may contact you in the future by means of an unsolicited promotion should we wish to contact you to discuss the relative merits of an investment or service which we feel may be of interest to you.
Earnshaw Consultants Limited is not permitted to handle client money and we cannot accept a cheque made out to us (unless it is in respect of an item for which we have sent you an invoice) or handle cash.
Your Protection
Earnshaw Consultants Limited offers independent advice, but occasions can arise where we or one of our other clients will have some form of interest in business being transacted for you. If this happens or we become aware that our interests or those of one of our other clients conflict with your interests, we will write to you and obtain your consent before we carry out your instructions, and detail the steps we will take to ensure fair treatment.
We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Most types of investment business are covered for 100% of the first £30,000 and 90% of the next £20,000, so the maximum compensation is £48,000. Further information about compensation arrangements is available from the Financial Services Compensation Scheme
If for any reason you need to complain about the advice you received from the firm or a product you have bought from the firm, please contact:
If following our investigation and response to you, you are still not satisfied with the outcome, you may contact the Financial Ombudsman Service (FOS). Full details of the FOS is contained within our complaints procedure, which is available at any time, on request.
Please be aware that investments can fall as well as rise, and that you may not get back the full amount invested. Past performance is not necessarily a guide to future performance.
Where a non packaged product, ISA or PEP has been recommended, we will inform you in writing of any right to withdraw or cancel you may have, or that no such rights will apply.
With very few exceptions, we will confirm to you in writing the basis of our reason for recommending the transaction executed on your behalf.
We will endeavour to make arrangements for all your investments to be registered in your name unless you first instruct us otherwise in writing. All documents showing ownership of your investments will be forwarded to you as soon as practicable after we receive them. If there are a number of documents relating to a series of transactions, we will normally hold each document until the series is complete and then forward them to you.
Data Protection
Some services are provided to Earnshaw Consultants Limited by third parties such as processing business or obtaining compliance or regulatory advice, which warrant the disclosure of more than just your basic contact details. You agree that personal information held by Earnshaw Consultants Limited may be disclosed on a confidential basis, and in accordance with the Data Protection Act 1998, to any such third parties. You also agree that this information may be transferred electronically, e.g. email and you agree that ourselves, or any such third party, may contact you in future by any means of communication which we consider appropriate at the time.
Our Relationship
We normally derive our income from commission paid to us by life assurance companies and the operators of collective investment schemes through which investments are made. We shall formally disclose to you the amount of commission payable to us on any such investment.
If we receive a commission or other form of benefit from the issuer of a security or from another intermediary, we will inform you, but we will not tell you its amount unless you ask us to do so.
Alternatively, if you or we propose to operate on a fee basis, we will agree its basis, frequency and method with you in writing before we carry out any chargeable work. Should we receive commission from any third party in relation to transactions arranged for you, we will offset the amount received against any fees due.
You or we may terminate our authority 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 transactions already initiated which will be completed according to these terms of business unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees outstanding.
Any subsequent advice or recommendation that we offer to you, will be based on your stated investment objectives, level of risk and any restrictions that you wish to place on the type of investments or policies you would be willing to consider. Your stated investment objectives will be reiterated in the Suitability Letter we will issue to you following our recommendation. Unless confirmed in writing, to the contrary, we will assume that you do not wish to place any restrictions on the advice we give you.
