Our Policy
Our aim is to provide you with a professional and personal service of the highest standards, matched to your requirements, the complexity of your financial arrangements and your budget.
Regulatory Status
Acuma Ltd, The Priory, Manor Road, Abbots Leigh, Bristol BS8 3RP is authorised and regulated by the Financial Conduct Authority. Our FSR number is 302942.
Our permitted business is advising on and arranging investments, non-investment insurance contracts and mortgages.
You can check this on the FCA’s register by visiting the FCA website, www.fsa.gov.uk/register/firmSearchForm.do, or by contacting the FCA on phone, 0800 111 6768,
or by e-mail, consumer.queries@fca.org.uk.
Products and Services
Acuma Ltd provides independent financial advice to private and corporate clients. The scope of advice covers investments, insurance, and mortgages and includes generic financial planning.
We may also advise you on bank and building society investments, including national savings as well as other investments that are not regulated by the FCA, and we will inform you of this when the recommendation is made.
As Independent Financial Advisers we are able to offer and advise upon a wide range of products available from the whole of the market in respect of investments, mortgages and non-investment insurance contracts. We will advise and make a recommendation to you after we have assessed your needs. Our recommendation will be based on a comprehensive and fair analysis of the market.
We will confirm in writing our reasons for recommending the transaction to you. This is known as a Suitability Report and is an important document which should be retained by you.
In addition to our initial advice services, we are able to provide ongoing services. The exact terms will be agreed with you prior to commencement and will be incorporated into a Service Proposition and Payment Agreement. We will not normally give you any further advice or ensure that any initial advice remains suitable for you at a later date, unless you have requested it.
The Financial Conduct Authority also provide free advice from their website which you can find at: http://www.moneyadviceservice.org.uk
How we Charge for our Services
Not all firms charge for their services in the same way. You will pay for our services on the basis of either fees or adviser charges or, in the case of insurance and mortgages only, by commission (through product charges) or a combination of these. We will discuss your payment options with you and answer any questions you have. We will not charge you until we have agreed with you how we are to be paid.
We will tell you how we get paid and the amount before we carry out any business for you.
Complaints
We aim to provide a high standard of service at all times, but if you have a complaint or dispute with us you are entitled to make a complaint. We have a complaints procedure which is available upon request. If you wish to register a complaint, please contact us in writing to Nick Ball, Acuma Ltd, The Priory, Manor Road, Abbots Leigh, Bristol BS8 3RP or by telephone on 01275 373 555.
Please be assured we treat complaints seriously. For your protection if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (FOS). Please see the following link for further details: http://financial-ombudsman.org.uk/
Compensation
We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.
Investment – Most types of investment business are covered up to a maximum limit of £50,000.
Insurance – Insurance advising and arranging is covered for 90% of the claim, without any upper limit.
Mortgages – Mortgage advising and arranging is covered up to a maximum limit of £50,000.
Further information about compensation scheme arrangements is available from the FSCS.
Companies Act Disclosure
Acuma Ltd is registered in England No. 422 0857. Registered Office is The Priory, Manor Road, Abbots Leigh, Bristol, BS8 3RP. Authorised and regulated by the Financial Conduct Authority. FSR No. 302942.