General Terms and Conditions

Services will be provided on an execution only basis, unless the company has personally advised a client to deal as a result of an assessment of their personal circumstances. Once investments or arrangements are in place, the company shall not provide further advice unless requested to do so.
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.

OTHER SERVICES: When you use or purchase any of CPNIM's products, you agree to abide by these terms and conditions. CPNIM offers a number of other services which are purchasable to subscribers. When taking out any of these services, you agree to making full payment of any monies owed. In the event of non payment, CPNIM reserves the right to hire a debt collection agency to pursue the monies on the their behalf.

DUE CARE AND DILIGENCE. 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.

LEVEL OF SERVICE. Unless explicitly stated in writing, we do not provide advice and therefore do not have a duty to ensure suitability, thus you will not be entitled to compensation from us if it is established that the service or product is not suitable. It is your responsibility to take into account your circumstances and objectives and then form a judgement as to suitability. 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.

RIGHT TO AMEND. 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 to the Terms & Conditions on the Investment Advice Online Website and in printed form via the Investment Times at the time the changes are made.
* Material changes will be notified to you at least 30 days in advance of the change taking place.

DATA PROTECTION. 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 for a period of 6 years from the date of their last transaction.
For your security, and training purposes, telephone calls may be recorded. They may be used as evidence in the event of any dispute with the company.
You agree to us sharing any information that we hold about you with a fraud reference agency should it be required.

DELAY IN PROCESSING. 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

LAW. These Terms & Conditions will be governed by and construed in accordance with English law.

LANGUAGE: 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.

RECEIVING INSTRUCTIONS. The company requires written instruction to act on your behalf. Oral instruction will be accepted at the company's discretion, and we may require you to provide confirmation in writing.

SUBSCRIPTION DETAILS: Your annual subscription will start from the day we receive your payment details and will end 365 days later unless it is renewed.

COMPANY SUBSCRIPTIONS: If your subscripion is paid for by your company, it will end the day you leave their employment. This does not inclue any notice periods. CPNIM will hold your data on file for a further 3 months should you wish to maintain paying your subscription fees personally. 3 months after the date of termination of your employment your financial records will be terminated.

SKYPE APPOINTMENTS: Skype appointemnts are only available to our subscribers. Your subscription entitles you to one 20 minute appointment with one of Investment Advice Online's Advisers. Any further skype appointments will be charged at a fixed fee.

PAYMENT FOR SERVICES. Our income comes from either commission from investment managers and other providers we place business with or fees paid to us by our clients for financial advice where this has been requested. You will informed by us, the life office or the unit trust managers in writing of the maximum amount of commission payable. We may also receive reasonable gifts and hospitality from providers, these are closely managed to ensure client interests are not affected. We may share commission with professional connections at our discretion.
 Should you require further details in respect of our remuneration, commissions, payments and fee details of your transactions and investments then these are available to you should you so request. Where a client requests immediate reinvestment of proceeds of a unit trust/share sale, Investment Advice Online will reinvest once proceeds are received, or earlier, at its discretion

MISCELLANEOUS.

We will exercise due care and diligence in the conduct of business but will not be liable to clients for any depreciation in the value of any investments arranged or purchased through us. Investments can fall in value and you could get back less than you invest. Past performance is not a guide to future performance. We reserve the right to amend these Terms & Conditions of Business at our discretion providing notice of any such changes are advised to you. If you are an eligible claimant under the rules of the Financial Services Authority, your account will be protected by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we cannot meet our obligations. Compensation is provided for the first £30,000 of any claim in full and 90% of the next £20,000 so the maximum from this scheme would be £50,000. Further information about compensation arrangements is available from the Financial Services Compensation Scheme. These Terms & Conditions shall be governed by and construed in accordance with English law and the parties agree to submit to the exclusive jurisdiction of the English courts. 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

DATA PROTECTION.

All personal information provided by you and any other information relating to your Account will be treated in confidence by us and will only be disclosed to third parties trusted and known to Investment Advice Online, especially where permitted by law or where your consent has been received. Information may be shared with other financial organisations to protect us and our customers against fraud. The information will be held in our computer systems and may be used to provide the service for which you have applied and to keep you informed, by e-mail, telephone, post or other reasonable means, of other services which we consider may be of interest to you. Please advise us if you would prefer not to receive direct marketing information.

Enquiries may be made with credit reference agencies and in such cases the agencies will keep a record of our enquiries. We will disclose to the agencies information about you in the event of you defaulting on debt. All information received and recorded by credit reference agencies may be used by other lenders in making credit decisions about you and other members of your household.

These uses of your personal information are covered by the registrations of Investment Advice Online under the Data Protection Act. Under the terms of the Act you have the right to obtain a copy of the information that we hold about you, upon payment of the appropriate fee