All Counties Financial Ltd offer an impartial, bespoke and Independent financial plan, we are Independent research specialists,
offering the very best of products from the vast number of providers in the market place that match our clients circumstances,
we use industry leading software to provide extensive and in-depth analysis of all providers on an independent basis.
We formed All Counties Financial Limited in March 2003 just after we received direct authorization from the
Financial Conduct Authority (formerly the Financial Services Authority) for both regulated and non-regulated business.
The Financial Conduct Authority (FCA) regulates financial services in the UK and you can check our authorisation and
permitted activities on the Financial Services Register by
visiting the FCA’s website www.fca.org.uk/firms/systems-reporting/register
or by contacting the FCA on 0800 111 6768.
We also have an active relationship with our compliance service company Simply Biz since our start-up who offer a full
compliance support package as well as technical product support. As well as working with Simply Biz on a reactive basis
we work closely with an external compliance consultant who delivers a company robust compliance plan and compliant processes for
dealing with any set of circumstances our client present on an easy to understand basis.
We provide you with an initial consultation free of charge. This helps us to understand your financial objectives and will
confirm how we can support you in working towards these.
We will also discuss the cost, and levels, of our services both initially and throughout our relationship with you.
We take pride in maintaining our clients through our reputation and excellent service proposition.
All Counties Financial is able to act on your behalf in advising you on investments and non-investment insurance contracts.
We offer products and services as follows,-
- Non-investment protection contracts
- General insurance contracts
We offer you an initial discussion (without charge) at which we will describe our
services more fully and explain the payment options. If you decide to go ahead, we will,-
- Gather and analyse personal and financial information about you and your aims and objectives
- Recommend and discuss any action we think you should take and, with your agreement, arrange relevant solutions for you
You should be aware that investments carry varying degrees of risk and as
their underlying value can fall as well as rise you may not get back the full amount invested.
Your aims and objectives
Unless we notify you in writing to the contrary, we will be treating you as a 'retail client' for investment business and a 'consumer'
for general insurance business. This means that you are afforded the highest level of protection under the
regulatory system and should have the right to take any complaint to the Financial Ombudsman Service.
Any advice or recommendation that we offer to you, will only be given after we have assessed your needs and considered your
financial objectives and attitude to any risks that may be involved. We will also take into account
any restrictions that you wish to place on the type of products you would be willing to consider.
With very few exceptions, we will confirm to you in writing the basis of our recommendations along
with details of any special risks associated with the products recommended.
Full details of the products we recommend to you including, for example, the minimum duration of the product, information
on your right to cancel or whether no right to cancel exists, and any other early termination rights and penalties,
will be covered in the relevant product disclosure information you will receive before conclusion of any contract.
We will issue any documentation/recommendations and any other communication to you in English (unless agreed otherwise).
We may also, on occasion, advise on other financial products which are not regulated by the FCA under the
Financial Services and Markets Act 2000. The Financial Services Compensation Scheme does not apply to any of these products.
Under the terms of this agreement, we may, if appropriate, advise you on investments which are not readily realisable. We would
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 Ethical Policy
We are committed to providing the highest standard of financial advice and service possible. The interest of our
clients is paramount to us and to achieve this we have designed our
systems and procedures to place you at the heart of our business. In doing so, we will,
- - be open, honest and transparent in the way we deal with you;
- - not place our interests above yours;
- - communicate clearly, promptly and without jargon;
- - seek your views and perception of our dealings
with you to ensure it meets your expectations or to identify any improvements required.
In most cases you can exercise a right to cancel by withdrawing from the contract. In general terms you will normally
have a 30 day cancellation period for a life, pure protection,
payment protection or pension policy and a 14 day cancellation period for all other policies.
For pure protection policies the start of the cancellation period will normally begin when you are informed that the
contract has been concluded or, if later, when you have received the contractual terms and conditions. In other cases,
the cancellation period will begin on the day the contract is concluded or, if later, the day on which you receive the contractual terms and conditions. Instructions for exercising the right to cancel, if applicable,
will be contained in the relevant product disclosure information which will be issued to you.
If you cancel a single Contribution contract, you may be required to pay for any loss you might reasonably incur in cancelling it which is caused by market movements. This means that, in certain circumstances,
you might not get back the full amount you invested if you cancel the policy.
Under current legislation our services are not subject to VAT but should this change in future, and where
VAT becomes due, we will notify you before conducting any further work.
All Counties Financial 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.
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 policy documents 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.
We prefer our clients to give us instructions in writing, to aid clarification and avoid future misunderstandings.
We will, however, accept oral instructions provided they are confirmed in writing.
We will act honestly, fairly and professionally known as conducting business in ‘Client’s best interest’ regulations.
Occasionally situations may arise where we or one of our other clients have some form of interest in business transacted
for you. If this happens or we become aware that our interests or those of one of our other clients conflict with your
interest, 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.
In accordance with the rules of our regulator, The Financial Conduct Authority, we are prohibited from accepting any payment
(commission or other non-monetary benefits) which is likely to conflict with the duty of the firm to its clients.
If you wish to register a complaint, please write to All Counties Financial Limited, 12, Wootton Drive, Creswell
Manor Farm Estate, Stafford, Staffordshire. ST16 1PU. Tele: 01785 606 199
A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available
on request and if you cannot
settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.
A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request
and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service
The information you have provided is subject to the Data Protection Act 1998 (the 'Act'). By signing this document you
consent to us or any company associated with us for processing, both manually
and by electronic means, your personal data for the purposes of providing advice, administration and management.
'Processing' includes obtaining, recording or holding information or data, transferring it to other companies associated with us,
product providers, the FCA or any other statutory, governmental or regulatory body for legitimate purposes including, where relevant,
to solicitors and/or other debt
collection agencies for debt collection purposes and carrying out operations on the information or data.
In order to provide services to you we may be required to pass your personal information to parties located outside of the
European Economic Area (EEA) in countries that do not have Data Protection Laws equivalent to those in the UK.
Where this is the case we will take reasonable steps to ensure the privacy of your information.
We may also contact you or pass your details to other companies associated with us to contact you (including by telephone) with details of any other similar products,
promotions, or for related marketing purposes in which we think you may be interested.
The information provided may also contain sensitive personal data for the purposes of the Act, being information as to your physical or
mental health or condition; the committing or alleged committing of any offence by you; any proceedings for an offence committed or
alleged to have been committed by you, including the outcome or sentence in
such proceedings; your political opinions; religious or similar beliefs; sexual life; or your membership of a Trade Union.
If at any time you wish us or any company associated with us to cease processing your personal data or sensitive personal data, or
contacting you for marketing purposes, please contact The Data Protection Officer on
01785 606199 or in writing at 12, Wootton Drive, Creswell Manor Farm Estate, Stafford, Staffordshire. ST16 1PU.
You may be assured that we and any company associated with us will treat all personal data and sensitive personal data as
confidential and will not process it other than for a legitimate purpose. Steps will be taken to ensure that the information
is accurate, kept up to date and not kept for longer than is necessary. Measures will also be taken to
safeguard against unauthorised or unlawful processing and accidental loss or destruction or damage to the data.
Subject to certain exceptions, you are entitled to have access to your personal and sensitive personal data held by us.
You may be charged a fee (subject to the statutory maximum) for supplying you with such data.
We are required by the anti-money laundering regulations to verify the identity of our clients, to obtain information
as to the purpose and nature of the business which we conduct on their behalf, and to ensure that the information we
hold is up-to-date. For this purpose we may use electronic identity verification systems and we may
conduct these checks from time to time throughout our relationship, not just at the beginning.
This client agreement is governed and shall be construed in accordance with English Law and the
parties shall submit to the exclusive jurisdiction of the English Courts.
All Counties Financial Limited shall not be in breach of this Agreement and shall not incur any liability to you if there is any
failure to perform its duties due to any circumstances reasonably beyond its control.
The authority to act on your behalf may be terminated at any time without penalty by either party giving seven days notice in
writing to that effect to the other, but without prejudice to the completion of transactions already initiated. Any transactions effected
before termination and a due proportion of any period charges for services shall be settled to that date.