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Insurance Protection in Stanmore

Smart Investments is your partner for protecting your financial future and ensuring peace of mind for you and your family with insurance protection in Stanmore.

Secure Your Future

We are dedicated to assisting you in assessing your financial responsibilities, identifying potential risks, and strategically planning for worst-case scenarios to safeguard against life's unexpected events.

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What is Protection?

Plan for the best, prepare for the worst

Protection action is the proactive approach to insulating your financial stability from life’s unpredictable challenges. Its primary purpose is to provide a safety net for your family, lifestyle, and assets in the event of:

By securing insurance protection in Stanmore and protection measures, you ensure mortgage payments, control debt, and secure your family’s future. Preparing for the worst provides peace of mind, assuring you can weather life’s storms.

What You Should Know About insurance protection in Stanmore

Why Should You Be Protected?

01

Financial Stability

Insurance ensures the ability to fulfil financial commitments, like mortgage payments, during unexpected challenges.

02

Debt Control

It prevents debts from escalating when income is disrupted, maintaining your financial well-being.

03

Family Security

Loved ones remain financially protected, providing a safety net during unforeseen circumstances.

04

Peace of Mind

Assurance of protection reduces financial stress, granting you and your family peace in times of uncertainty.

Are your interests protected?

What to Consider When Looking For Insurance Protection in Stanmore

Have you considered the consequences if your income suddenly vanished? What would you do if faced with a sudden and critical illness? Do you family or children rely on you to provide for them?

In an ever-uncertain future, safeguarding yourself and your loved ones is paramount. Life’s unpredictability calls for proactive protection. It falls upon your shoulders to secure the financial well-being of your immediate family.

Our dedicated advisers are here to assist you in this crucial endeavor, ensuring that you have the safeguards you need to face whatever the future may bring.

Borrowing

Managing multiple credit cards, loans, and mortgages is widespread. While manageable with a steady income, sudden changes can quickly accumulate debt. Short Term Income Protection Insurance (STIP) offers a valuable solution, providing coverage for essential expenses and credit repayments for up to a year during unforeseen circumstances.

Private Medical Insurance

Private Medical Insurance (PMI) in the UK offers individuals personalised healthcare solutions, providing access to prompt and high-quality medical care. With PMI, policyholders can enjoy faster consultations, diagnostic tests, and treatments, bypassing NHS waiting times. It allows for greater control over the choice of specialists and hospitals. Additionally, PMI can cover a range of medical services, offering peace of mind.

Short-Term Illness

Assuming sick pay suffices for temporary illness is common. Statutory Sick Pay is just £96.35 per week, leaving a significant gap. Income protection insurance becomes essential when illness or injury inhibits work. For self-employed individuals, it's particularly critical as their business may solely rely on them.

Injury and Critical Illness

Whether or not you maintain an active and healthy lifestyle, no one can predict your future health. The Office of National Statistics estimates that 118 million working days were lost due to sickness or injury in the UK during 2020. 4 Critical illnesses such as strokes, heart attacks and cancer can necessitate long recovery periods, and permanent disability resulting from injury can affect almost every area of someone’s life.

Death

Future health is uncertain; in 2020, 118 million workdays were lost due to illness or injury. Critical illnesses (strokes, heart attacks, cancer) often result in extended recovery and disability, affecting work. Government benefits may not fully cover income replacement. While some employers offer coverage, assume all conditions aren't covered. Always read the fine print and consider additional coverage for potential gaps.

Care Costs

Recognising the financial impact on your family post your passing is crucial. UK residential care costs are high, averaging £41,000/year or £83,200 for complex needs. Assets over £23,250 mean you cover full care costs, impacting your estate after death. While care costs can't be entirely avoided, solutions exist to help cover them, securing support for your loved ones in the future.

Borrowing

Managing multiple credit cards, loans, and mortgages is widespread. While manageable with a steady income, sudden changes can quickly accumulate debt. Short Term Income Protection Insurance (STIP) offers a valuable solution, providing coverage for essential expenses and credit repayments for up to a year during unforeseen circumstances.

Redundancy

Redundancy, whether expected or sudden, often means income loss. Insurance may not cover the initial three months, so savings are vital. Short Term Income Protection (STIP) offers temporary financial relief. Keep in mind, knowing redundancy risks within six months of policy issuance may affect claims, emphasising the importance of proactive preparation for the unexpected.

Short-Term Illness

Assuming sick pay suffices for temporary illness is common. Statutory Sick Pay is just £96.35 per week, leaving a significant gap. Income protection insurance becomes essential when illness or injury inhibits work. For self-employed individuals, it's particularly critical as their business may solely rely on them.

Injury and Critical Illness

Whether or not you maintain an active and healthy lifestyle, no one can predict their future health. The Office of National Statistics estimates that 118 million working days were lost due to sickness or injury in the UK during 2020.4 Critical illnesses such as strokes, heart attacks and cancer can necessitate long recovery periods, and permanent disability resulting from injury can affect almost every area of someone’s life.

Death

Future health is uncertain; in 2020, 118 million workdays were lost due to illness or injury. Critical illnesses (strokes, heart attacks, cancer) often result in extended recovery and disability, affecting work. Government benefits may not fully cover income replacement. While some employers offer coverage, assume all conditions aren't covered. Always read the fine print and consider additional coverage for potential gaps.

Care Costs

Recognising the financial impact on your family post your passing is crucial. UK residential care costs are high, averaging £41,000/year or £83,200 for complex needs. Assets over £23,250 mean you cover full care costs, impacting your estate after death. While care costs can't be entirely avoided, solutions exist to help cover them, securing support for your loved ones in the future.

Protection & Insurance

Book a Discovery Call

Don’t hesitate to get in touch with us today! Our experienced team is here to discuss your specific financial requirements and provide the guidance you need. Let us help you take the first step towards securing your financial future.

We offer a wide range range of financial services, including mortgages, investments, pensions, and more, to assist you on your financial journey.

For expert advice in Stanmore, connect with our knowledgeable advisors today to explore how we can help you achieve your financial goals.

frequently asked Questions

FAQS

Please see some of our frequently asked questions, or for more information please don’t hesitate to get in touch.

We provide a wide range of insurance and protection services, including life insurance, income protection, critical illness coverage, and more. Our services are tailored to meet your specific needs and financial goals.

Insurance and protection services are essential to safeguard your financial well-being and that of your loved ones. They ensure that you have financial security in case of unexpected events like illness, disability, or loss of income.

Our experienced advisors will assess your individual circumstances, financial goals, and risk tolerance to recommend the most suitable insurance coverage for you. We'll provide personalised guidance to ensure you have the right level of protection.

The cost of insurance and protection services varies depending on factors like your age, health, coverage type, and more. Our advisors will provide transparent information on pricing and help you find options that align with your budget.

Yes, it's essential to review your insurance coverage regularly, especially when major life events occur, such as marriage, the birth of a child, or purchasing a home. Our advisors will assist you in making necessary adjustments to ensure your coverage remains adequate.

Yes, we offer insurance and protection services tailored to businesses and self-employed individuals. Whether you need business continuity planning, key person insurance, or income protection as a self-employed professional, we can help you secure your financial future.

Working With Us

Our Process

Step 1

Initial Consultation

The first step is to book a free initial consultation with one of our friendly advisers.

Step 2

Fact Find

We will discuss the options and find out the right path to take to achieve your protection goals.

Step 3

Set Your Plan in Place

We highlight potential pitfalls and propose a plan to protect against them.

Step 4

Peace of Mind

Once our arrangement is active, you can sleep easy knowing you and your interests are protected.

The Financial Conduct Authority do not regulate auto enrolment, wills and inheritance tax planning.

Will writing is not part of the Quilter Financial Planning offering and is offered in our own right.

Privacy Policy

This notice sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.

This privacy notice explains:

  • Who we are;
  • Your rights;
  • What personal information we collect;
  • How we use your personal information;
  • Who we share your information with and why;
  • How we keep your information secure;
  • How to manage your marketing consents; and
  • How to contact us.

In this document, “We”, “Us” and refers to Smart Investments Quilter Financial Planning and its subsidiary companies.

Who we are

At Smart Investments we respect your privacy and the confidentiality of your personal information.

Smart Investments is a trading style of Cogent Financial Services Ltd an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited which are authorised and regulated by the Financial Conduct Authority.

Smart Investments provide financial planning solutions and advice through experienced and qualified advisers based in the UK.

Currently, Smart Investments and Quilter Financial Planning (Quilter) jointly determine the purposes and means of processing personal client data relating to giving advice. This means we’re joint data controllers for these core advice giving activities and therefore responsible for managing this client data and ensuring compliance.

However, Smart Investments  is solely responsible for some activities, for example any direct marketing that we undertake.

We will comply with relevant data protection law. Such laws require that the personal information we hold about you must be:

  • Used lawfully, fairly and in a transparent way;
  • Collected only for valid purposes that we have clearly explained to you;
  • Relevant to the purposes we have told you about and limited only to those purposes;
  • Accurate and kept up to date;
  • Kept only as long as necessary for the purposes we have told you about; and
  • Kept securely.

Your rights

We try to be as open as it can be in terms of giving people access to their personal information and therefore have outlined your rights below

You have the right to ask us:

  • whether we are processing your personal information and the purposes (the right to be informed) – this is delivered through ‘fair processing information’ such as this Privacy Notice;
  • for a copy of the personal information that we hold about you (the right of access);
  • to update or correct your personal information (the right to rectification);
  • to delete your information (the right to erasure); and
  • to restrict processing of your personal information where appropriate (the right to restrict processing).

In certain circumstances you also have the right to:

  • object to the processing of your personal information (the right to object);
  • object to automated decision making and profiling (the right not to be subject to automated decision-making including profiling); and
  • request that information about you is provided to a third party in a commonly used, machine readable form (the right to data portability).

Exercising your rights

For information about your individual rights, including how to correct, restrict, delete, make changes to your personal information or if you wish to request a copy of the personal information we hold about you, please contact us by emailing us at QFPDataGuardian@quilter.com.

More information about your data protection rights can be found on the Information Commissioner’s Office (ICO) website.as well as on other regulators’ websites.

If you would like to write to us, our postal address for data protection matters is:

The Office of Data Protection
Quilter Financial Planning
Senator House
85 Queen Victoria Street
London
EC4V 4AB

However, we have adopted a flexible model for working so please note that written communications will take longer to respond to.

Further information

This privacy notice was drafted with brevity and clarity in mind, however further information can be obtained by contacting us using the details in the “How to contact us” section. More information about your data protection rights can be found via:

What personal information we collect

Personal data means information by which you may be personally identified directly or indirectly.

We collect certain personal information about you, this includes your name, address, or phone number and other information. We collect this information about you when you:

  • Use our website and secure online services;
  • Complete a fund application;
  • Apply for and receive our services;
  • complete our application form;
  • Visit a financial adviser; and
  • Register to receive one of our newsletters, communications or attend an event organised by Us.

The type of personal information we collect will depend on the purpose for which it is collected and may include:

  • Information about youto help identify you and manage your relationship with Quilter and, in some circumstances, as required by our regulators (e.g. Account number, Customer ID or Number, Name, Address, Age / Date(s) Of Birth, Dependents’ Details, Tax ID, National Insurance Number, Identity Check Information (e.g. Mother’s Maiden Name, Name of First Pet), Email Address(es), Marital Status, Name(s), Postcode, Telephone Number(s), Title, Gender);
  • Information about your account with us(e.g. Past engagements with Quilter, Personal Preferences, Marketing Preferences, Policy and investment information, etc);
  • Copies of documentation(e.g. statements, letters, copies of official documents (e.g. passports, driving licences, etc));
  • Economic and financial information(e.g. credit card numbers, bank details, Past investment performance, etc and information pertaining to County Court Judgements (CCJs) and any debt history);
  • Investment preferences(e.g. your views and preferences around portfolios in which to invest, or not to invest in which may indirectly reveal some religious, political or philosophical views that you hold);
  • Audio and visual informationwhen we are recording interactions with you, or when you visit one of our premises (e.g. call recordings or Closed Circuit Television);
  • Employment and educational information(e.g. employer details, relevant professional qualifications, etc);
  • Marketing / Communications Data(e.g. Information relating to Marketing and External Communications (e.g. Marketing Campaigns, Opt In Information, etc));
  • Lifestyle, Health and Medical informationfor you, your family and other parties with a material interest in the product(s) (e.g. specific illness, smoker, disability, gender reassignment);
  • Relationship Information(e.g. information relating to other parties directly associated with your policy (e.g. dependents, beneficiaries, trustees, etc); and
  • Complaint Information(e.g. Complaint Details, Complaint Description, Complaint Details, complaint Type, Reason/Details of the complaint),

We collect personal information directly from you. For example, we ask for personal information at the start of our relationship (e.g. when you apply for a policy or service) and in subsequent communications in order to manage our relationship.

If we provide a service to your employees or a scheme, then personal data in relation to those employees or members of the scheme isn’t processed by Us as part of the standard corporate advice process. This information is normally provided directly to the product provider.

In limited circumstances, we may need to collect employee personal data, and where we do, we act as data processer and it’s therefore provided to Us by yourself, with the knowledge and consent of your employees.

Where we provide our services to trusts, we collect the personal information listed for the settler, beneficiaries and trustees of that trust. Where we provide our services to companies we may collect personal information for Directors, Shareholders and Beneficial Owners of the company. Where we provide our services to charities, we may collect personal information about the trustees or directors of that charity.

We may also collect information about you from other sources such as:

  • another agent (if you have one);
  • external third parties (e.g. credit reference agencies to verify your identity and to check financial soundness); and
  • from Cookies. (Cookies are small text files that are placed on your computer by websites that you visit. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the website owners). To learn more about information collected through cookies, please click here.

 Data Retention

We keep your personal information only as long as is necessary for the purpose for which it was collected, or for legal or regulatory reasons. Personal information will be securely disposed of when it is no longer required in accordance with our Personal Data Retention Standard.

Advice data is retained for 50 years to meet our regulatory requirements.

Special category data and criminal conviction data

We may also gather more sensitive personal data, called special category data, for example, as part of recruitment. This type of data can include racial or ethnic origin, genetic or health information or sexual orientation. The processing of some of this data is necessary for us to fulfil the obligations on us. In such cases, we will always explain this during the process and explain what information we require and why it is needed. Where we do require it, we will always seek your consent. Special category data will always be processed and stored securely.

Where it is necessary, we may also collect information relating to an individual’s criminal convictions. If this is the case we will explain what information we require, why it is needed and where required, will ask you for consent.

Cookies

We also collect information about you from other sources. For example, our website automatically collects information from your computer using “cookies” which provides us with limited personal information. Cookies are small text files that are placed on your computer by websites that you visit. They’re widely used in order to make websites work, or work more efficiently, as well as to provide information to the website owners.

  • You can choose not to accept any non-essential cookies for your interactions, however, in a few cases, some of our website features may not function as a result.

More information about the cookies we use on our website can be found here: https://www.quilter.com/important-information/cookie-notice/

How we use your personal information

We process your information for the following purposes.

  • To perform our contract with you and to support and maintain that relationship. This includes the following:
  • assessing and processing an application for our services;
  • providing our products and/or services to you, including the management of our relationship with you, your firm;
  • carrying out transactions you have requested or on your behalf;
  • monitoring or recording communications (such as telephone and video calls) with you to resolve any queries or issues and also for training and quality purposes and, in some cases to comply with regulatory requirements;
  • assessing your application for products (using automated decision-making tools when necessary);
  • ensuring that a firms operation meets our expectations, and those of our regulators (such as undertaking audits and investigations into network activity);
  • record keeping in order to ensure our products and/or services operate within the law and relevant regulatory requirements;
  • providing other services (e.g. enhanced due diligence, underwriting, reinsurance, data hosting, online services, and payments or reporting of any tax or levy).
  • To comply with legal and regulatory requirements. These requirements include the following:
  • confirming your identity for security and regulatory purposes;
  • detecting and preventing fraud, money laundering, terrorist financing, bribery or other malpractice;
  • to meet tax reporting obligations such as Common Reporting Standards (CRS) and the US Foreign Account Tax Compliance Act (FATCA); and
  • to fulfil our data protection obligations.
  • For specific business purposes to enable us to provide you with appropriate products and services and a secure experience. Our business purposes include the following:
  • verifying your identity for security purposes;
  • sending marketing communications to you which you have opted into receiving, or which are related to similar products or services, or which we think may interest you based on the relationship you have with Us or other companies in our group;
  • enhancing, modifying and personalising our services for your benefit;
  • to undertake Profiling activities;
  • providing communications which we think will be of relevance or interest to you;
  • audit and record keeping purposes;
  • enhancing the security of our network and information systems;
  • maintaining effective management systems including internal reporting to our parent company and other members of our corporate group;
  • ensuring the integrity of our systems (for example, during final stages of testing where it is necessary to use real data to ensure that any system improvements do not interrupt business or corrupt the data);
  • providing reports and other communications to you where we are required to do so; and
  • customer satisfaction research, statistical analysis and wider market research to capture the views and opinions of our customers.

We may also process your personal data as part of an acquisition or sale. Should this happen, you’ll be notified about any change to processing or data controller arising as a result of this activity.

You have the right to object to us processing your personal information for some of the business purposes listed above but, if you do so, this may impact on our ability to provide some or all of our services to you.

We won’t process your employee’s data for the business purposes above. Our contractual relationship is with you and therefore any processing of data for business purposes will be undertaken with your data, not your employee’s.

Profiling

Profiling involves the use of basic identifiers about you such as your name and address and matching this with information from Experian Marketing Services to create demographics and infer customer ‘types’. This helps us define groups based on factors like interests, age, location and more so we can better understand our customers to adapt and improve our products and services. If you would like to know more about the information we get from Experian Marketing Services, you can visit their Consumer Information Portal which explains who Experian Marketing Services are, what they do and why.

Lawful basis

We operate under a number of legal bases as required under the regulations. These include:

  • Consent;
  • Legitimate Interests;
  • Performance of a Contract; and
  • Compliance with a Legal Obligation.

Who we share your information with and why

We share your information with trusted third parties and service providers who perform tasks for us and help us to provide our products and/or services to you, and with other agencies where required by law, court order or regulation. These may include:

  • Companies within the Quilter Plc Group
  • for administrative, analytical and statistical purposes;
  • for testing the information systems operated by our companies
  • for producing a consolidated view of our relationship with you in order to meet our regulatory obligations and to enhance the services we can offer you.
  • for handling complaints and fulfilling data subjects’ rights (such as the Right of Access)
  • Companies appointed by Us (these third parties may be based in countries outside the UK or EU)
  • with third parties or service providers who perform tasks for us to help us provide our services to you or to allow us to meet legal and regulatory requirements, including any necessary tax reporting, verifying your identity, source of wealth financial crime prevention or other requirements (this may involve carrying out checks with credit reference databases);
  • with third parties or service providers who provide additional data about you in order to enhance our ability to design and develop new products and services that can be marketed and sold which meet the needs of our identified consumer groups and are targeted accordingly;
  • with credit reference agencies to check the financial suitability of the products and services;
  • with debt collection agencies for tracing and recovery of debts;
  • with payment service providers to allow payments to be completed;
  • with our accountants to produce tax statements and in support of statutory reporting;
  • with our appointed legal or regulatory advisers or auditors;
  • with information technology and information security providers;
  • with a prospective buyer (or its advisors), for due diligence purposes, if we are considering a sale of any of our business or assets;
  • with third parties or service providers to conduct market research on our behalf, to help us improve and develop the products and services we provide to you and our other customers;
  • with third parties or service providers to conduct quality checks on the interactions between us, Quilter and you; and
  • with any successor to all or part of our business. For example, in the event of a merger, acquisition, divestiture, change of control or liquidation of Smart Investments or part of its business (or in anticipation of such an event), we may share your personal data as part of that transaction where required in order to fulfil our obligations in this Notice.
  • Organisations and parties appointed by you or authorised by you
  • with third parties where you have given your consent to receive marketing information;
  • with your accountants to produce tax statements and in support of statutory reporting
  • with an appointed discretionary asset manager or custodian to meet their legal or regulatory requirements; and
  • with third parties or service providers who ask for that information in order to allow us to make investments on your behalf or to continue to provide our services to you.
  • Statutory authorities
  • with organisations, including the police authorities and fraud prevention agencies, to prevent and detect fraud;
  • with regulatory or governmental agencies such as the UK Financial Conduct Authority, UK Information Commissioner’s Officeand HM Revenue and Customs;
  • with professional bodies; and
  • with other agencies where required by law, court order or regulation.

If you would like further information regarding the specific named recipients that we share data with, please contact us using the information in the “How to contact us” section.

How we keep your information secure

We’re committed to ensuring the confidentiality of the personal information that we hold, and we continue to review our security controls and related policies and procedures to ensure that your personal information remains secure.

When we contract with third parties, we impose appropriate security, privacy and confidentiality obligations on them to ensure that personal information is kept secure and prevented from unauthorised or accidental access, processing, copying, modification, erasure, loss or use.

If we work with third parties in countries outside the United Kingdom, we ensure these are countries that the UK Government and the European Commission has confirmed have an adequate level of protection for personal information, or the organisation receiving the personal data has provided adequate safeguards and agrees to treat your information with the same level of protection as we would.

We also utilise UK International Data Transfer Agreements and EU Standard Contractual Clauses for transfers outside of the United Kingdom or European Economic Area.

In limited circumstances, data may be accessed outside of the UK i.e. by employees when they travel. In these circumstances, we ensure there are appropriate information security measures in place to safeguard your information.

How to manage your marketing consents

You may give and withdraw consent to the receipt of marketing information at any time. If you wish to change your preferences regarding the receipt of marketing or other communications from us, the simplest way is to use the ‘unsubscribe’ link at the bottom of any marketing communication.

Alternatively, you can contact us using any of the mechanisms included in the ‘How to contact us” section of this notice.

How to contact us

If you have questions about this notice, or need further information about our privacy practices, or wish to raise a complaint about how we have handled your personal data, you can contact our Data Protection team who will investigate the matter.

Quilter Financial Planning

The Office of Data Protection
Quilter Financial Planning
85 Queen Victoria Street
London
EC4V 4AB
Email: qfpdataguardian@quilter.com

 

Copyright Policy

This website and its content are protected by copyright laws. All rights reserved.

The content of this website, including but not limited to text, graphics, images, logos, and software, is the property of Cogent Financial Services Limited T/A Smart Investments  or its content suppliers and is protected by the United Kingdom and international copyright laws.

You may not reproduce, distribute, publish, display, modify, create derivative works from, or exploit in any way the content of this website without the prior written consent of Cogent Financial Services Limited T/A Smart Investments .

You may download, print, and store limited copies of the content of this website for your personal, non-commercial use, provided that you do not alter or remove any copyright, trademark, or other proprietary notices.

Any unauthorised use of the content of this website may violate copyright laws, trademark laws, and other laws. Cogent Financial Services Limited T/A Smart Investments  reserves the right to take legal action against any unauthorized use of the content of this website.

Cookies Policy

This website, www.smartinvestments.co.uk, uses cookies to improve your browsing experience and to help us understand how users interact with our site. This Cookies Policy explains what cookies are, how we use cookies, and how you can manage your cookie preferences. 

What are cookies?

Cookies are small text files that are stored on your device when you visit a website. They are widely used to make websites work, or work more efficiently, as well as to provide information to the owners of the site.

 How we use cookies

We use cookies for a variety of purposes, including:

  • To remember your preferences and settings
  • To understand how you use our site and to improve your experience
  • To show you relevant content and advertising
  • To analyze traffic and usage patterns

Cookies that we use

We use the following types of cookies on our website:

  • Strictly necessary cookies: These are essential for the proper functioning of our website and cannot be disabled.
  • Functionality cookies: These enable us to remember your preferences and settings, and to provide enhanced, personalized features.
  • Performance cookies: These collect information about how you use our website, such as which pages you visit, and help us to improve the performance of our site.
  • Advertising cookies: These are used to show you relevant content and advertising based on your browsing history and interests.


Managing your cookie preferences

Most web browsers allow you to manage your cookie preferences. You can set your browser to accept all cookies, to block certain types of cookies, or to block all cookies. You can also set your browser to alert you when a website tries to set a cookie.

Please note that if you block or delete cookies, some features of our website may not work properly.

For more information about managing your cookie preferences, please refer to the help section of your browser or visit www.aboutcookies.org.

Terms of Use

This website is operated by Cogent Financial Services Limited T/A Smart Investments  (the “Website”). By using the Website, you agree to be bound by these Terms of Use (the “Terms”). If you do not agree to these Terms, please do not use the Website.

  1. Use of the Website

The Website is intended for your personal, non-commercial use. You may not use the Website for any illegal or unauthorized purpose. You may not use the Website in a way that could damage, disable, overburden, or impair the Website or interfere with any other party’s use of the Website.

  1. Intellectual Property

The content of the Website, including but not limited to text, graphics, images, logos, and software, is the property of Cogent Financial Services Limited T/A Smart Investments  or its content suppliers and is protected by the United Kingdom and international copyright laws. You may not reproduce, distribute, publish, display, modify, create derivative works from, or exploit in any way the content of the Website without the prior written consent of Cogent Financial Services Limited T/A Smart Investments .

  1. Disclaimer of Warranties

The Website is provided on an “as is” and “as available” basis. Cogent Financial Services Limited T/A Smart Investments  makes no representations or warranties of any kind, express or implied, as to the operation of the Website or the information, content, materials, or products included on the Website. Cogent Financial Services Limited T/A Smart Investments  will not be liable for any damages of any kind arising from the use of the Website, including but not limited to direct, indirect, incidental, punitive, and consequential damages.

  1. Limitation of Liability

Cogent Financial Services Limited T/A Smart Investments  will not be liable for any damages of any kind arising from the use of the Website, including but not limited to direct, indirect, incidental, punitive, and consequential damages.

  1. Changes to the Terms

Cogent Financial Services Limited T/A Smart Investments  reserves the right to modify these Terms at any time without notice. Your continued use of the Website after any such modification constitutes your acceptance of the modified Terms.

  1. Governing Law

These Terms and your use of the Website will be governed by and construed in accordance with the laws of England and Wales, without giving effect to any principles of conflicts of law.

Disclaimer

This website (the “Website”) is provided by Cogent Financial Services Limited T/A Smart Investments  on an “as is” and “as available” basis. Cogent Financial Services Limited T/A Smart Investments  makes no representations or warranties of any kind, express or implied, as to the operation of the Website or the information, content, materials, or products included on the Website.

Cogent Financial Services Limited T/A Smart Investments  will not be liable for any errors or omissions in the content of the Website, or for any actions taken in reliance on the information provided on the Website. Cogent Financial Services Limited T/A Smart Investments  will not be liable for any damages of any kind arising from the use of the Website, including but not limited to direct, indirect, incidental, punitive, and consequential damages.

Cogent Financial Services Limited T/A Smart Investments  does not warrant that the Website will be available at all times or that the Website or any content will be error-free. Cogent Financial Services Limited T/A Smart Investments  reserves the right to modify, suspend, or discontinue the Website or any content at any time without notice.

The content of the Website is provided for general information purposes only and is not intended to be a substitute for professional advice. You should always seek the advice of a qualified professional before making any decisions based on the information contained on the Website.

Disclaimer

If you are unhappy with our service

If you have a complaint about your adviser, or any financial advice you have received from your adviser, please contact us:

Customer Complaints Manager
Quilter
SUNDERLAND
SR43 4JP

Email: QFPcomplaints@quilter.com

Tel: 0191 241 0700

 

You can find more information by visiting the Quilter Financial Planning website:

http://www.quilterfinancialplanning.co.uk/contacts/ 

 

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (www.financial-ombudsman.org.uk)

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Please note that Cogent Financial Services Ltd, trading as Smart Investments, assumes no responsibility for any advice or information obtained from this external source.

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