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About Our Services |
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Artavia Personal Financial Services Limited |
12 Orchard Court Heron Road, Exeter EX2 7LL |
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1. The Financial Services Authority (FSA) |
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The FSA is the independent watchdog that regulates financial services. It requires us to give you this document. Use this information to decide if our services are right for you. |
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2. Whose products do we offer? |
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Investment |
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We offer products from the whole market. |
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We only offer products from a limited number of companies. Ask us for a list of the companies and products we offer. |
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We only offer products from a single group of companies |
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Insurance |
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We offer products from a range of insurers for all non-investment insurance contracts |
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We only offer products from a limited number of insurers for all non-investment insurance contracts. Ask us for a list of the insurers we offer insurance from. |
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We only offer products from a single insurer. |
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3. Which service will we provide you with? |
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Investment |
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We will advise and make a recommendation for you after we have assessed your needs. |
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You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed. |
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We will provide basic advice on a limited range of stakeholder products and in order to do this we will ask some questions about your income, savings and other circumstances but we will not:
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Insurance |
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We will advise and make a recommendation for you after we have assessed your needs for all types of Insurance products. |
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You will not receive advice or a recommendation from us we may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.
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4. What will you have to pay us for our services? |
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Investment |
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Before we provide you with advice, we will give you our Keyfacts guide 'about the cost of our services'. |
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We will tell you how we get paid, and the amount, before we carry out any business for you. |
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Insurance |
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No fee we will receive commission from the provider. |
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A fee of £500 is payable on completion and submission of the report on your circumstances, for all non-investment insurance contracts. We will offset this fee against any commissions received from the product provider. |
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You will receive a quotation which will tell you about any other fees relating to any particular insurance policy. |
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5. Who regulates us? |
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Artavia Personal Financial Services Limited is authorised and regulated by the Financial Services Authority and our FSA register number is 446966 Artavia Personal Financial Services Limited’s permitted business is arranging (bringing about) deals in investments, advising on investments, advising on Non Investment Insurance contracts and agreeing to carry on a Regulated Activity. You can check this on the FSA’s Register by visiting the FSA’s Website www.fsa.gov/uk/register/ or by contacting the FSA on 0845 606 1234. |
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If you wish to register a complaint, please contact us: ….in writing Write to the Compliance Officer, Artavia Personal Financial Services Limited, 12 Orchard Court, Heron Road, Exeter EX2 7LL ….by phone 01392 362362 If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. |
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6. Are we covered by the Financial Services Compensation Scheme (FSCS)? |
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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. |
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Investment |
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Most types of investment business are covered for 100% of the first £30,000 and 90% of the next £20,000 so the maximum compensation is £48,000. |
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Insurance |
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Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit. |
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Further information about compensation scheme arrangements is available from the FSCS. |
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