Important Information and Financial Services Compensation Scheme

This page contains important legal and regulatory statements which you must read in conjunction with the information on Adam & Company's Internet Website. This information has been issued and approved by Adam & Company plc and Adam & Company Investment Management Limited and does not in any way constitute investment advice.

Exclusion of liability

These 'Exclusion of Liability' provisions should be read carefully as they exclude or limit our legal liability in connection with your use of this website. Nothing in these terms and conditions and in particular within the 'Exclusion of Liability' clauses shall attempt to exclude liability that is not permissible under applicable law, including without limitation, for death or personal injury, or for fraudulent misrepresentation.

Nothing in these terms and conditions shall exclude or limit or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000, or any conduct of business rules which we are bound to comply with.

While we have taken all reasonable steps to ensure the accuracy and completeness of the content of the website, we exclude any warranties, undertakings or representations (either express or implied) to the full extent permitted under applicable law, that the website or (including without limitation) all or any part of the content or materials, accuracy, availability or completeness of the content of the website or any part of the content or materials are appropriate or available for use either in the United Kingdom or in other jurisdictions. If you use this website from other jurisdictions, you are responsible for compliance with applicable local laws.

We accept no liability (including without limitation) in either contract, tort, negligence, statutory duty or otherwise (to the maximum extent permitted by applicable law) arising out of the use of or access to this website (which includes without limitation) any errors or omissions contained in this website or if the website is unavailable and we shall not be liable for any direct or indirect:

  • economic losses (including without limitation loss of revenues, data, profits, contracts, use, opportunity, business or anticipated savings);
  • loss of goodwill or reputation;
  • special, incidental, consequential loss or damage, suffered or incurred arising out of or in connection with your use of this website and these terms and conditions.

Access to and use of this website is at the user's own risk and we do not warrant that the use of this website or any material downloaded from it will not cause damage to any property, or otherwise minimise or eliminate the inherent risks of the internet including but not limited to loss of data, computer virus infection, spyware, malicious software, trojans and worms. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this website by unauthorised third parties.

To provide increased value to users of this website, we may provide links to other websites or resources (that are not part of The Royal Bank of Scotland Group) for you to access at your sole discretion. You acknowledge and agree that, as you have chosen to enter the linked website we are not responsible for the availability of such external sites or resources, and do not review or endorse and shall not be responsible or liable, directly or indirectly, for (i) the privacy practices of such websites, (ii) the content of such websites, including (without limitation) any advertising, content, products, goods or other materials or services on or available from such websites or resources or (iii) the use that others make of these websites or resources, nor for any damage, loss or offence caused or alleged to be caused by, or in connection with, the use of or reliance on any such advertising, content, products, goods or other materials or services available on such external websites or resources.

The above limitation or exclusion may not apply to you to the extent that applicable law may not allow the limitation or exclusion of liability for incidental or consequential damages.

Adam & Company PLC

Adam & Company Investment Management Limited

Financial Services Compensation Scheme


Adam & Company PLC

Registered Office: Adam & Company, 25 St Andrew Square, Edinburgh, EH2 1AF. Registered in Scotland Number 83026.

Adam & Company plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Adam & Company plc registered in Scotland Number 83026. Financial Services Firm Reference Number 114724.

Consumer Credit Act

Under the terms of the Consumer Credit Act 1974 you should be aware of the following:

  • When clients of Adam & Company plc arrange credit facilities, security and life assurance cover may be required
  • Full written credit details are available on request
  • All lending is subject to the Bank's appraisal of the applicant's financial status
  • Loans and other credit facilities are not available to people under the age of 18
  • All overdrafts are repayable on demand



Home Loans

For home loans, we may require security over the property. An acceptable life assurance policy may also be required. House Buildings Insurance for reinstatement value may also be required.


Annual Equivalent Rate (AER)

The Annual Equivalent Rate (AER) represents the annual rate effectively received by the client if interest at the gross rate applied during a year remained in the account and itself earned interest. As every advertisement for a savings product, where a rate is displayed, will contain an AER, you will be able to compare more easily what return you can expect from your savings over time.

Insurance policies

As with any insurance policy, there are certain situations which are not covered. Please note that full details of the cover, terms and conditions are given in the policy document.

The Lending Code

Adam & Company plc subscribes to the Lending Code (pdf, 448kb).

Compliance with the Code is independently monitored and enforced by the Lending Standards Board.


Adam & Company plc is covered by The Financial Ombudsman Service

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Adam & Company Investment Management Limited

Registered Office: Adam & Company, 25 St Andrew Square, Edinburgh, EH2 1AF. Registered in Scotland No. 102144. Financial Services Firm Reference Number 141831.

Adam & Company Investment Management Limited is authorised and regulated by the Financial Conduct Authority.

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 therefrom may fall as well as rise and you may not get back the amount that you invest.
  • Any investment involving exposure to a currency other than Sterling is subject to changes in the rate of exchange, which may cause the value of the investment to go up, or down.
  • 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.
  • In the case of some investments, you should be aware that there is no recognised market for them and it may therefore be difficult for you to deal in them or obtain reliable information about their value or the extent of the risks to which they are exposed.
  • 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.

In relation to ISAs:

  • The taxation privileges of ISAs are not guaranteed and may be changed by legislation.
  • In relation to Cash ISAs, deposits are held by Adam & Company plc. Adam & Company Investment Management Limited, the ISA Manager, will act as agent in arranging the deposit. Adam & Company plc has accepted responsibility for the actions of Adam & Company Investment Management Limited with respect to the deposit. Adam & Company plc is a member of the Financial Services Compensation Scheme established under the Financial Services and Markets Act 2000. For further details please see above.

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Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme (FSCS). The FSCS can pay compensation to depositors if a bank is unable to meet its financial obligations.

Most depositors - including most individuals and small businesses - are covered by the scheme. In respect of deposits, an eligible depositor is entitled to claim up to £85,000. For joint accounts each account holder is treated as having a claim in respect of their share so, for a joint account held by two eligible depositors, the maximum amount that could be claimed would be £85,000 each (making a total of £170,000). The £85,000 limit relates to the combined amount in all the eligible depositor's accounts with the bank, including their share of any joint account, and not to each separate account.

For further information about the compensation provided by the FSCS (including the amounts covered and eligibility to claim) please refer to the FSCS website or call the FSCS on +44 (0) 800 678 1100. Please note only compensation related queries should be directed to the FSCS.

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Adam & Company plc, Adam & Company Investment Management Limited is a wholly owned subsidiary of Adam & Company Group plc.

Adam & Company Group plc is a wholly owned subsidiary of The Royal Bank of Scotland plc .


We may monitor, record, store and use any telephone, email or other communication with you (in order to check any instructions given to us, for training purposes, for crime prevention and to improve the quality of our customer service).

Internet Communications

In order to maintain the security of its systems, protect its staff and detect fraud and other crimes, Adam & Company 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.

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 Adam & Company plc. If you would prefer not to receive marketing information, please advise us by writing to Adam & Company, 25 St Andrew Square, Edinburgh, EH2 1AF.

VAT Number

GB 243 8527 52

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Our History

  • How we became who we are

Our Approach

  • Tailored solutions and a personal service

Our Board

  • Details of our board members


  • Who we sponsor and support