This page contains important legal and regulatory statements which you must read in conjunction with the information on the Dewhurst Torevell website. This information has been issued and approved by Dewhurst Torevell & Co Limited and does not in any way constitute investment advice.

Company details

Dewhurst Torevell & Co Limited is registered in England under number 3279315. Our VAT Number is 781 7810 06. Our registered office is 5 Oxford Court, Manchester M2 3WQ.

Regulatory Position

Dewhurst Torevell is authorised and regulated by the Financial Services Authority (“FSA”) as Independent Financial Advisers. Our FSA Register number is 183210. If you would like further information on the FSA you can access their website at www.fsa.gov.uk

Our permitted business is advising and arranging investment business, life insurance and pensions (including transfers and opt outs). We are one of relatively few firms authorised to hold client money and client assets and hence fall under the scope of the European directive (“MiFID”) requiring enhanced reporting. 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.

Our Pillar 3 Disclosure document can be found here:
Pillar 3 Disclosure

Client Agreement

Our Client Agreement set out the terms upon which we will conduct business with you. A copy of the latest agreement is linked here:
Client Agreement

In relation to the investment services described the following should be borne in mind:
Past performance is not necessarily a guide to future performance. The value of investments and the income derived there from may fall as well as rise and you may not get back the amount that you invest.

Any tax reliefs referred to are those available under current legislation, which may change, and their availability and value will depend on your individual circumstances. Whilst a portfolio of investments specially selected to meet your requirements can be expected to perform in a broadly similar way to the market as a whole, some divergence will be experienced, especially over the short to medium term.

Further details of our policies on Data Protection, Internet Communication and the Financial Services Compensation Scheme can be found here.

Data Protection
Internet Communication
Financial Services Compensation Scheme

Data protection

We may ask you to provide your name and personal contact details if you wish more information about our products and services. This data is used to provide you with the information you request, and may be retained to keep you informed by mail or telephone or other reasonable methods of products and services offered by Dewhurst Torevell.

Our full Data Protection Policy can be found here:
Data Protection Policy

Internet Communications

In order to maintain the security of its systems, protect its staff and detect fraud and other crimes, Dewhurst Torevell reserves the right to monitor all internet communications, including web and email traffic, into and out of its domains. Monitoring includes checks for, but not limited to; viruses and other malignant code, criminal activity, and use or content which is unauthorised as being in breach of the Group Dignity at Work and Information Security policies.

Compensation – Financial Services Compensation Scheme

Investment business:
The Financial Services Compensation Scheme set up under the Financial Services and Markets Act 2000 covers your investments. It covers you if we are unable to meet our obligations in relation to your investments. 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.

Deposits:
The Financial Services Compensation Scheme set up under the Financial Services and Markets Act 2000 covers cash deposits up to £50,000 per institution. Most people who make deposits, including individuals and small firms, are covered.

For further information on the conditions governing compensation and details on how to apply please refer to the FSCS at www.fscs.org.uk

Ombudsman
Dewhurst Torevell & Co Limited is covered by The Financial Ombudsman Service.