Terms of Service

Introduction

These Terms of Service ("Terms") govern your use of the website ampere-crest.com and the financial advisory services provided by Ampere Crest Financial Advisory Services ("we", "our", or "us"). By accessing our website or using our services, you agree to be bound by these Terms.

About Ampere Crest

Ampere Crest Financial Advisory Services is a UK-based financial advisory firm authorized and regulated by the Financial Conduct Authority (FCA). Our registered office is located at 42 Threadneedle Street, London EC2R 8AY, United Kingdom.

Services Provided

We provide the following financial services to UK residents:

• Independent financial advice and planning
• Investment management and portfolio construction
• Pension planning and retirement advice
• Savings strategies and product selection
• Property investment guidance
• Insurance and protection planning

Client Relationship and Advice Process

Initial Consultation

Our advice process begins with an initial consultation to understand your financial situation, objectives, and risk tolerance. This may be conducted in person, by telephone, or via video conference.

Fact-Finding and Suitability Assessment

We will gather detailed information about your financial circumstances, including income, assets, liabilities, and investment experience. This information is essential for providing suitable advice.

Advice and Recommendations

Based on our assessment, we will provide written recommendations tailored to your specific needs and circumstances. Our advice will be independent and based on a comprehensive analysis of the market.

Implementation and Ongoing Service

If you choose to proceed with our recommendations, we will assist with implementation and provide ongoing monitoring and review services as agreed.

Fees and Charges

Fee Structure

Our fees are transparent and will be clearly disclosed before providing any chargeable services. We may charge:

• Initial advice fees for financial planning and recommendation services
• Implementation fees for setting up recommended products or services
• Ongoing management fees for portfolio management and review services
• Ad-hoc fees for additional advice or administrative services

Payment Terms

Fees are typically payable:

• In advance for initial advice services
• On completion for implementation services
• Monthly or quarterly in arrears for ongoing services

Client Obligations

As our client, you agree to:

• Provide accurate and complete information about your financial circumstances
• Inform us promptly of any material changes to your situation
• Review all documentation and advice carefully before making decisions
• Pay fees and charges as agreed and when due
• Maintain appropriate insurance coverage as recommended

Investment Risks and Performance

Risk Warning

All investments carry risk, and the value of investments and income from them can fall as well as rise. You may not get back the original amount invested. Past performance is not a guide to future performance.

No Performance Guarantees

We do not guarantee the performance of any investment or the achievement of any financial target. Investment returns depend on various factors beyond our control, including market conditions, economic events, and regulatory changes.

Regulatory Compliance

FCA Authorization

We are authorized and regulated by the Financial Conduct Authority. Our activities are subject to regulatory rules designed to provide appropriate consumer protection.

Professional Standards

We maintain professional indemnity insurance and adhere to the highest standards of conduct as required by our regulatory obligations.

Data Protection and Privacy

We are committed to protecting your privacy and personal information. Please see our Privacy Policy for detailed information about how we collect, use, and protect your data.

Website Terms

Acceptable Use

You may use our website for lawful purposes only. You agree not to:

• Use the website in any way that violates applicable laws or regulations
• Transmit or post harmful, offensive, or inappropriate content
• Attempt to gain unauthorized access to our systems or networks
• Use automated systems to access or collect information from the website

Intellectual Property

All content on our website, including text, images, logos, and design elements, is protected by copyright and other intellectual property laws. You may view and print content for personal use only.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of service of external sites.

Limitation of Liability

To the extent permitted by law, our liability is limited as follows:

• Our total liability for any claim shall not exceed the fees paid by you in the 12 months preceding the claim
• We exclude liability for indirect, consequential, or special damages
• Nothing in these Terms excludes liability for death, personal injury, fraud, or fraudulent misrepresentation

Professional Indemnity Insurance

We maintain professional indemnity insurance coverage to protect clients in the event of negligent acts or errors. Details of our insurance coverage are available upon request.

Complaints Procedure

Internal Complaints Process

If you are dissatisfied with our service, please contact us immediately:

• Email: [email protected]
• Phone: +44 20 7946 0958
• Address: Complaints Department, 42 Threadneedle Street, London EC2R 8AY

Financial Ombudsman Service

If you are not satisfied with our response to your complaint, you may be able to refer the matter to the Financial Ombudsman Service:

• Website: financial-ombudsman.org.uk
• Phone: 0800 023 4567
• Email: [email protected]

Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the FSCS if we cannot meet our obligations. This depends on the type of business and circumstances of the claim.

• Most types of investment business are covered for the first £85,000
• Insurance advice is covered for 90% of the claim without upper limit
• For further information, visit fscs.org.uk

Termination

Termination by Client

You may terminate our services at any time by giving written notice. You will remain liable for any fees incurred up to the termination date.

Termination by Us

We may terminate our services by giving reasonable written notice. We may terminate immediately in cases of:

• Non-payment of fees
• Breach of these Terms
• Providing false or misleading information
• Regulatory requirements

Force Majeure

We shall not be liable for any failure or delay in performing our obligations due to circumstances beyond our reasonable control, including but not limited to acts of God, war, terrorism, pandemic, government regulations, or technical failures.

Governing Law and Jurisdiction

These Terms are governed by English law and subject to the exclusive jurisdiction of the English courts. However, if you are a consumer resident in Scotland or Northern Ireland, you may also bring proceedings in those jurisdictions.

Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Changes to Terms

We may update these Terms from time to time. We will notify you of significant changes by:

• Posting updated Terms on our website
• Sending written notice to your registered address or email
• Providing notice at your next review meeting

Contact Information

These Terms of Service constitute the entire agreement between you and Ampere Crest Financial Advisory Services regarding your use of our website and services, superseding any prior agreements or understandings.