Terms of Service

1. About ImBothutch Limited

Company Name: ImBothutch Limited
Registered Office: 66-68 Severn St, Birmingham B1 1JL, United Kingdom
Company Registration Number: [Company Number]
FCA Registration Number: [FCA Number]
VAT Registration Number: [VAT Number]

We are authorised and regulated by the Financial Conduct Authority and are entered on the Financial Services Register at register.fca.org.uk.

2. Services Provided

Our Services Include:

• Independent financial planning and advice
• Pension planning and retirement strategies
• Investment management and portfolio services
• Protection planning (life, critical illness, income protection)
• Estate planning and inheritance tax advice
• Tax-efficient investment strategies
• Ongoing portfolio monitoring and reviews

Regulatory Status

We provide independent financial advice and are not tied to any particular product provider. We conduct thorough market research to ensure our recommendations are suitable for your individual circumstances and objectives.

3. Client Agreement and Service Process

Initial Consultation

Our relationship begins with an initial consultation where we:

• Understand your financial objectives and circumstances
• Assess your attitude to risk and capacity for loss
• Explain our services and charges
• Provide you with our client agreement and Terms of Business

Fact-Find and Research

We conduct a comprehensive fact-find to gather information about:

• Your personal and financial circumstances
• Your investment experience and knowledge
• Your financial objectives and timescales
• Your existing financial arrangements

Recommendations and Implementation

Based on our research, we provide:

• A written suitability report with our recommendations
• Clear explanations of risks and benefits
• Details of all charges and ongoing costs
• Implementation of agreed recommendations

4. Charges and Fees

Fee Structure

Our charges are clearly disclosed before providing any services. We operate on the following basis:

Payment Terms

• Initial advice fees are payable on completion of recommendations
• Ongoing fees are deducted quarterly or annually from your investments
• All fees are clearly disclosed in our client agreement
• You have the right to cancel services within 14 days of agreeing to them

5. Your Responsibilities

Information Provision

You must:

• Provide accurate and complete information about your circumstances
• Inform us promptly of any material changes to your situation
• Respond to our requests for information in a timely manner
• Read all documentation we provide to you

Decision Making

You are responsible for:

• Making the final decision on whether to act on our recommendations
• Understanding the risks associated with any investments
• Regularly reviewing your financial position and objectives
• Seeking advice before making significant financial decisions

6. Risk Warnings

7. Conflicts of Interest

We maintain a conflicts of interest policy to ensure fair treatment of all clients. We will:

• Disclose any conflicts that cannot be avoided or managed
• Decline to act where conflicts cannot be properly managed
• Ensure our recommendations are in your best interests
• Maintain appropriate records of potential conflicts

8. Data Protection and Confidentiality

We are committed to protecting your personal information in accordance with our Privacy Policy. We will:

• Keep your information confidential and secure
• Only share information where necessary for service provision
• Comply with data protection laws and regulations
• Retain records for the periods required by regulation

9. Limitation of Liability

Professional Indemnity

We maintain professional indemnity insurance to cover potential claims arising from our advice. Details of our coverage are available on request.

Liability Limitations

Our liability is limited to the following:

• We are responsible for advice given within our regulatory permissions
• We cannot be liable for market movements affecting investment values
• We are not responsible for the performance of product providers
• Our liability is limited to losses directly caused by our negligence

Third-Party Actions

We cannot be held responsible for:

• Actions or omissions of product providers
• Platform or investment manager performance
• Changes in legislation or taxation
• Market conditions beyond our control

10. Termination of Services

Your Right to Cancel

You may terminate our services by:

• Giving us written notice of termination
• Exercising your cancellation rights within 14 days of agreement
• Requesting transfer of your investments to another adviser

Our Right to Terminate

We may terminate our services if:

• You fail to pay charges due to us
• You provide false or misleading information
• We can no longer provide suitable services
• Required by regulatory or legal obligations

Post-Termination

Following termination:

• You remain liable for any charges incurred before termination
• We will assist with the orderly transfer of your investments
• We will retain records as required by regulation
• Ongoing investment charges will continue until investments are transferred

11. Complaints Procedure

Internal Complaints

If you have a complaint about our services:

1. Contact us in writing detailing your concerns
2. We will acknowledge your complaint within 3 business days
3. We aim to resolve complaints within 8 weeks
4. We will provide a final response letter with our findings

Financial Ombudsman Service

If you are not satisfied with our response, you may refer your complaint to:

12. Compensation Scheme

We are covered by the Financial Services Compensation Scheme (FSCS). If we become insolvent, you may be entitled to compensation:

• Investment business: Up to £85,000 per person
• Insurance mediation: 90% of the claim with no upper limit
• Mortgage advice: Up to £85,000 per person

More information is available at fscs.org.uk

13. Website Terms

Acceptable Use

You may use our website for lawful purposes only. You must not:

• Use the website in any way that violates applicable laws
• Transmit any harmful or malicious code
• Attempt to gain unauthorised access to our systems
• Use automated systems to extract data from our website

Intellectual Property

All content on our website is protected by copyright and other intellectual property rights. You may not:

• Reproduce or republish content without our permission
• Use our trademarks or brand names without consent
• Create derivative works based on our content

Website Availability

We aim to keep our website available at all times but cannot guarantee continuous access. We may:

• Suspend the website for maintenance or updates
• Withdraw or modify content without notice
• Block access to protect our systems

14. Governing Law

These Terms are governed by English law and subject to the exclusive jurisdiction of the English courts. If any provision of these Terms is found to be invalid, the remaining provisions will continue in full force and effect.

15. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes by:

• Posting updated Terms on our website
• Sending you written notification
• Discussing changes during regular reviews

Continued use of our services after changes constitute acceptance of the new Terms.

16. Contact Information

For questions about these Terms or our services, please contact: