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.

Where Dewhurst Torevell advises or offers advice on packaged products, it will be based upon a selection of products from the whole market.

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

Investment Services

In relation to the investment services described the following should be borne in mind:

• The value of any investment and the income from it is not guaranteed and can fall as well as rise, so that you may not realise the amount originally invested.
• Past performance should not be taken as an indication to future performance.
• The information in this website is not intended as an offer or solicitation to buy or sell securities or any other investment or banking product, nor does it constitute a personal recommendation.

Taxation

Any levels of taxation referred to depend on the individual circumstances of the investor and the value of tax reliefs are those which currently apply.

Residence

The pages on this site are prepared and issued in the United Kingdom and are intended for the information of United Kingdom residents only.

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 £50,000.

Deposits:

The Financial Services Compensation Scheme set up under the Financial Services and Markets Act 2000 covers cash deposits up to £85,000 per individual, per authorised institution (this is the sterling equivalent of the €100,000 in force in all EEA member states). 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.