Legals
Chatfield Private Client is a trading name of Chatfield Private Client Limited which is a Limited Company registered in England & Wales under number 7124568. Chatfield Private Client is authorised and regulated by the Financial Services Authority (FSA), 25 The North Colonnade, Canary Wharf, London, E14 5HS, and is bound by its rules. Chatfield Private Client is entered on the FSA register and their registration numbers is 518338. Registration can be checked on the FSA’s website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.
The contact and registered address of Chatfield Private Client is Cambrai Court, 1229 Stratford Road, Hall Green, Birmingham, B28 9AA.
Chatfield Private Client is an independent broker and advisor and is authorised as an investment intermediary in respect of UK listed and unlisted securities, foreign securities, collective investments, pension funds, life assurance. We are able to offer life policies and life assurance from the whole market.
It is essential that you read and understand these Terms & Conditions prior to applying for our services. Your use of our services will confirm your acceptance of these Terms & Conditions.
Website Terms of Use
By accessing the website you accept and agree the following terms:-
Chatfield Private Client Limited has compiled this website and they accept no responsibility for any loss or damage of whatever nature arising in any way out of the use of, or inability to use, this website or from any error or omission in information contained in this website. Chatfield Private Client Limited reserve the absolute right to alter, suspend or discontinue any aspect of this website or the services provided through it, including your access to it.
Copyright and other intellectual property rights in the content of this website, including any Chatfield Private Client Limited marks, logos and brands contained in the website, belong to Chatfield Private Client Limited or its licensor(s) – who have expressly licensed content to Chatfield Private Client Limited.
None of the content or materials available from this website, whether permission is granted for downloading and/or circulation or otherwise, may be used for commercial exploitation. You are permitted to download and store (on a temporary basis) any of the contents of the website provide that it is solely to view such contents. You are forbidden from permanently copying, storing or in any way redistributing the contents of this website except for content made specifically for download, such as fact sheets. Such content may be downloaded only for your personal use. The access, downloading and/or use by any person of anything available from this website is entirely at the user’s own risk.
Any links to other websites have been included for convenience only and Chatfield Private Client Limited accept no responsibility or liability for the contents of, or any loss or damage caused or alleged to be caused by or in connection with use or reliance on the content of, any linked website. The inclusion of any link does not imply endorsement by Chatfield Private Client Limited of any linked website or its provider.
Whilst every care is taken to ensure that the information displayed on this website is correct, no warranty or representation is given to its quality, accuracy, fitness for purpose, usefulness or completeness, In particular the materials on this website do not give specific legal advice and should not be relied upon as doing so. In particular, users should be aware that laws and regulations might be different outside England & Wales.
Chatfield Private Client Limited will only use any personal data collected during our use of this website in accordance with the current UK data protection legislation and our privacy policy.
You agree to indemnify and hold Chatfield Private Client Limited, and any of its officers, employees and agents harmless from and against all and any expenses, losses, liabilities, damages, costs or expenses of any character incurred or suffered and any claims or legal proceedings which are brought or threatened, in each case arising from misuse of or conduct on, this website and/or breach of these terms.
www.chatfieldprivateclient.com is a general audience web site, intended for users of all ages. Personal information of all users is collected, used and disclosed as described in this Statement of Privacy.
Chatfield Private Client Limited collects personal information, such as your e-mail address, name, home or work address or telephone number. Information collected by Chatfield Private Client Limited is used solely for the purpose of responding to enquiries, billing and registration. Chatfield Private Client Limited does not collect any information about your computer hardware and software.
Chatfield Private Client Limited collects and uses your personal information to process enquiries. It is possible that Chatfield Private Client Limited may also use personal information to inform you of other products or services available from Chatfield Private Client Limited and its affiliates. Chatfield Private Client Limited may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.
Chatfield Private Client does not sell, rent or lease its customer lists to third parties. Chatfield Private Client may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your personal information (e-mail, name, address, telephone number) is not transferred to the third party.
General Terms and Conditions
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.
All clients of Chatfield Private Client will be classified as a ‘retail’ client. This will provide you with the maximum regulatory protection available to you. Should your classification change in the future, we will advise you accordingly in writing and obtain your agreement before proceeding with any financial planning advice.
We have a written policy for handling complaints and how we ensure we deal with each complaint promptly and fairly. You can obtain a summary from us should you so request. Should you have cause to complain for any reason a copy of our policy for handling of complaints will be automatically sent to you. Please direct your complaint to the Compliance Officer at the company address. Clients should be aware that if they are unhappy with any response to a complaint received from the company, they may complain directly to the Financial Ombudsman Service. If you are an eligible claimant under the rules of the Financial Services Authority, you will also be protected by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we cannot meet our obligations. Further information about compensation arrangements and compensation limits is available from the Financial Services Compensation Scheme. The Financial Services Compensation Scheme also provides awards if any third party institution we may use is declared in default or insolvent.
Any advice that we give will be based on your financial circumstances, objectives and your attitude to investment risk. We will endeavor to ensure that any recommendations made are suitable for you. Any recommendation made will be confirmed in writing to you. Should you decline to provide the information requested about your circumstances then we may decline to continue with the business relationship since we would not be able to demonstrate that the recommendation is suitable for you. 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.
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 Terms & Conditions which will be provided to you at the first available opportunity. Material changes will be notified to you at least 30 days in advance of the change taking place.
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 indefinitely.
You agree to us sharing any information that we hold about you with a fraud reference agency should it be required. You can access the data held by Chatfield Private Client at any time. A fee of £10 may be charged to cover costs. The information held about you, on both hard copy and computer, will be sent to you within 40 days of the initial request.
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.
We are obliged to conform with the UK Money Laundering Regulations and to the Joint Money Laundering Steering Group guidance notes. These regulations require all financial institutions to verify the identity and place of residence for each beneficial owner. In order to meet these requirements, we will require sight of certain documentation and confirmation as to where the investment monies are coming from. If you provide false or inaccurate documentation and we suspect fraud or money laundering then this will be recorded.
Where further information is required, to verify identity, the company reserves the right to delay applications or withhold settlement until sufficient identification has been provided.
We are determined to treat our clients fairly at all times. In case conflicts arise between the interests of Chatfield Private Client, our employees and our clients and also between clients, we have a specific policy in place to ensure that we identify and handle conflicts fairly and treat our clients with honesty and integrity at all times. Should a conflict of interest be identified then we will inform you in writing and obtain your consent before we carry out your instructions.
We may on occasions, and if appropriate, advise you on investments which are not readily realisable. Where this is the case, we will draw your attention to the risks associated with these investments as there is a restricted market for them. In some circumstances, it may therefore not be possible to deal in the investment or obtain reliable information about its value.
Our services may also include advice on investments relating to or executing transactions in units in unregulated collective investment schemes. Where we recommend an unregulated investment/ product then we will confirm to you that the FSA does not regulate the investment/product and therefore you will not be afforded the protections from the Financial Ombudsman Scheme or the Financial Services Compensation Scheme.
These Terms & Conditions will be governed by and construed in accordance with English law.
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.
Chatfield Private Client is not authorised by the FSA to handle clients’ money. We never accept a cheque made payable to us (unless it is a cheque in settlement of our charges or disbursements for which we have sent you a fee note) or handle cash. All cheques for investment purposes should therefore be made payable to the institutions with which you have decided to invest your money with.
Chatfield Private Client charges fees for the services it provides to their clients as shown in the ‘Key Facts About Our Services’ document. We have set out details of our fee arrangements in your Letter of Engagement and accompanying menu (‘Key Facts About the cost of our services’) which should be read in conjunction with this document. If we receive commission or any other form of benefit in respect of transactions we shall tell you the amount of commission payable to us.
All investments will be registered in the client’s name.
All documents, cheques, etc may be sent by post at the client’s risk.
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.
