Client Agreement for investments and insurances  This agreement is issued on behalf of Wilson Weir & Co of Corner House, North End, Ballyclare, Co Antrim BT39 9BN whom can be contacted at 02893 322 169.   Authorisation Statement Wilson Weir & Co is authorised and regulated by the Financial Conduct Authority. The Financial Conduct Authority regulates the financial services industry in the UK and their address is 25 The North Colonnade, Canary Wharf, London, E14 5HS. You can check this on the FCA’s Register by visiting the FCA’s website FCA No. 230111 or by contacting the FCA on 0845 606 1234.   Our services Wilson Weir & Co is able to act on your behalf in advising you on investments and non-investment insurance contracts. We offer products and services as follows: Investments and Pensions - We offer an Independent advice service. We will recommend investments and pensions based on a comprehensive and fair analysis of the market.  We will only make a recommendation when we know it is suitable for you.  Non-investment protection contracts - we offer non-investment protection products e.g. term assurance, income protection and critical illness from a range of insurers. General Insurance Contracts - we introduce general insurance contracts e.g. buildings and contents cover from a range of insurers.  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 you are afforded the highest level of protection under the regulatory system and have the right to take any complaint to the Financial Ombudsman Service.   Any advice or recommendation 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, but we will confirm this to you in writing.   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;  Cancellation rights 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 an Investment or Pension plan 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 premium 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.   VAT 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.   Client money Wilson Weir & Co 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.   Documentation 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.   Instructions 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.    Material Interest 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.   Complaints If you wish to register a complaint, please write to Wilson Weir & Co, Corner House, North End, Ballyclare, Co Antrim BT39 9BN or Tel:  02893322169.   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.   Compensation Scheme We are covered by the Financial Services Compensation scheme (FSCS) if we cannot meet our obligations. This is dependent upon the type of business and the circumstances of the claim. Most types of investment business are covered up to a maximum limit of £50,000, whereas insurance business is covered for 90% of the claim, without any upper limit.  Further information about this compensation scheme arrangement is available from the FSCS. Data Protection The information you have provided is subject to the EU General Data Protection Regulation dated 25th May 2018 (GDPR). GDPR is regulated and enforced in the UK by the Information Commissioners Office (ICO). 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 GDPR, 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 02893322169 or in writing to Corner House, North End, Ballyclare, Co Antrim BT39 9BN.   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.   Anti-money laundering 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 businesses, 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.   Law This client agreement is governed and shall be construed in accordance with Northern Ireland Law and the parties shall submit to the exclusive jurisdiction of the Northern Ireland Courts.   Force Majeure Wilson Weir & CO 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 beyond its control.   Termination 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.