Legal Information.

1. Introduction

We offer independent advice, but occasions can arise where we, or one of our other customers, will have some form of interest in the business that 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 interests, we will inform you in writing and obtain your consent before we carry out your instructions

We are not tied to one company’s products and, therefore, are able to be impartial

When we have arranged any contracts for which you have given instructions, we will not give you any further advice unless you request it, but will be glad to advise you at any time you ask us to do so. Should you require further advice please contact us.

2. Client Assets

We will register all contracts in your name unless otherwise agreed in writing. All contract notes and documents will be forwarded to you, unless otherwise instructed in writing, as soon as practicable after being received by us. Where a number of documents relating to a series of transactions are involved, we will normally retain the documents until the series is complete before forwarding them to you.

WE DO NOT HANDLE CLIENTS’ MONEY

For all parties protection HT Financial Limited is not authorised to handle client money and in the circumstances you should never hand over cash or make cheques payable to HT Financial Limited (unless it is in respect of professional fees for the work carried out on your behalf). Further it is important that any cheques that you do need to write have the payee’s name completed in full (i.e. you do not use acronyms). Generally product providers are limited companies and as such the payee should end with “Limited” where appropriate. Please note that we cannot be held responsible for the loss of monies where the payee has not been completed correctly.

3. Termination

You, or we, may terminate our authority to act on your behalf under this Business Agreement at any time, without penalty. Notice of this termination must be given in writing and will take effect immediately upon receipt of the notice. Termination will not prejudice the completion of transactions already initialled on your behalf or any rights or obligations already arising.

4. Data Protection and Direct Marketing – Information held about you

In order to advise you properly, we must obtain certain information from you about your financial and personal circumstances, to assess your suitability for particular products and services