Products and services not regulated by the Financial Conduct Authority
Some services we provide or products we advise on and arrange are not regulated by the Financial Conduct Authority, so they may not be subject to the same cancellation rights and may not be covered by the Financial Ombudsman Service or the Financial Services Compensation Scheme.
These products or services include but are not limited to:
- General financial planning – where we do not advise you to buy, sell or vary a regulated product;
- Small self-administered schemes (SSASs) – although some assets owned by a SSAS will be regulated;
- Advice to employers about workplace pensions – although advice to individual members of contract-based pension scheme is regulated;
- Cash deposits – except cash-only ISAs and deposit-based Child Trust Funds;
- Directly owned commercial property;
- Commercial loans to businesses with an annual turnover of £1million or more; and
- Loans made by the trustees of SSASs.
- Unregulated collective investment schemes, such as funds of hedge funds.
- Tax compliance and book keeping services.
