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:
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.
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:
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
CHANGES IN THE EXCHANGE RATE MAY INCREASE THE STERLING EQUIVALENT OF YOUR DEBT.
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.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
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.
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
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:
In relation to ISAs:
Adam & Company plc and Adam & Company Investment Management Limited are covered by the Financial Services Compensation Scheme (FSCS). The FSCS can pay compensation to depositors and/or investors if a bank is unable to meet its financial obligations. Investment business undertaken in the UK with Adam & Company Investment Management Limited may be covered by the FSCS, the cover depending on the nature of the claim being made. Eligible claims for most types of investment business are covered up to a maximum limit of £50,000 per person. FSCS cover is not available for loss of money resulting from performance of the investment. In respect of deposits, Eligible individuals, businesses and corporations can claim back up to £85,000 (or £85,000 for each eligible account holder of a joint account) until 1st January 2016, when the limit shall reduce to £75,000. Deposits held on behalf of large companies and small local authorities are covered with immediate effect up to a limit of £75,000.
For further information about the compensation provided by the FSCS, refer to the FSCS website at www.fscs.org.uk.
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).
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.
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.
GB 243 8527 52
This policy is relevant to Retail and Professional clients to whom Adam & Company owes contractual or agency obligations. It sets out our standards and methodology and explains how we ensure business is conducted in line with current regulation and in particular the Markets in Financial Instruments Directive (‘MiFID’) and corresponding Financial Conduct Authority (‘FCA’) rules.
Read the Execution Policy (pdf, 448kb).
Execution Venue List
This list of execution venues is not exhaustive. We are not required to use these venues on every occasion and therefore we reserve the right to use other execution venues. Where we deem appropriate we may add or remove any execution venues from this list. This list will be reviewed and updated where necessary or on at least an annual basis. You will be notified separately of any material changes to these venues. You are encouraged to therefore refer to the current list of execution venues from time to time.
Read the Execution Venue List (pdf, 448kb).