PLEASE READ THIS IMPORTANT LEGAL INFORMATION CAREFULLY.

Website Usage and Privacy

Fol appreciates your interest in its services and your visit to this web site. Your privacy is important to us and we want you to feel comfortable visiting our site. The protection of your privacy in the processing of our personal data is an important concern to which we pay special attention during our business processes. Personal data collected during visits to our web site are processed by us according to the legal provisions valid for the country in which the web site is maintained. Please read these terms and conditions carefully as they govern Fol relationship with you in relation to this Website.

Fol may change these Website terms and conditions at any time. You should check from time to time to review the Website terms and conditions to ensure that you are happy with any changes. Using or accessing this Website indicates your acceptance of these Website terms and conditions. If you do not accept these Website terms and conditions please do not continue to use the Website

Important Information

The legal and regulatory information on this website ("Information") contains terms and conditions which apply to you and includes important information on our companies and applicable risk warnings. We intend to rely on this Information and for your own benefit you should read the Information carefully. If you do not understand any of the Information please do not hesitate to contact us.

The Information is not directed at any person or entity. The Information is intended only for use by users domiciled in the United Kingdom and is not intended for distribution or use in any jurisdiction or country where it is illegal or unlawful to access and use such information. Non-UK investors should consider their local regulations before considering investment. Fol disclaims all responsibility if you access or download any Information in breach of any law or regulation of the country in which you reside.

The Information is not directed at any person or entity in the United States, and this site is not intended for distribution or to be used by any person or entity in the United States.

Accordingly, all persons who access this site are required to inform themselves of and to comply with all applicable sales restrictions in their home country.

Regulators and registered offices

In the United Kingdom Folwealth is the trading name of Abi Fol Consulting Limited which is Authorised and Regulated by the Financial Conduct Authority No 613305:

"FOL” or “Folwealth”, is a limited liability company incorporated in England and Wales under number 08195342. The FCA does not regulate Will writing services or some forms of Mortgages and Inheritance tax planning. The information and content of this website is intended for UK consumers only and is subject to the UK regulatory regime. Abi Fol Consulting Ltd is registered with the Office of Fair Trading and holds a Consumer Credit Licence number (656276) and Data protection license (Z3541229).

© 2016 Abi Fol Consulting Limited, All Rights Reserved.

Its office is at One Mayfair Place, Mayfair, London, W1J 8AJ. Registered Office: 17 Riverdale Close, Barking Essex IG11 0GQ

Jurisdiction
Fol's website is intended for persons in the United Kingdom only, and its content should not be regarded as an invitation or inducement to engage in investment activity, as defined by the Financial Services and Markets Act 2000 to persons in any other jurisdiction. These terms of use shall be governed by and construed in accordance with English law.

Sales Restrictions

The Information is provided for information purposes only and on the basis that you make your own investment decisions and do not rely upon it. Fol is not soliciting any action based on it and it does not constitute a personal recommendation or investment, legal, tax or other advice. Should you have any queries about the securities or investment funds referred to on this site, you should obtain specific professional advice for your personal circumstances before making any investment decision.

Risk Factors

Past performance is not an indication of future performance. The value of investments and the income from them may go down as well as up and investors may not get back the amount invested. Because of this, you are not certain to make a profit on your investments and you may lose money. Yields will fluctuate and so income from investments is variable and not guaranteed. Tax treatment depends of your individual circumstances and may be subject to change in the future. Exchange rates may cause the value of overseas investments and the income arising from them to rise or fall.

The levels and bases of and reliefs from taxation may change. Any tax reliefs referred to are those currently available and their value depends on the circumstances of the individual investor. Investors should consult their own tax adviser in order to understand any applicable tax consequences.

Accuracy of Information

The Information (including any expression of opinion or forecast) has been obtained from, or is based on, sources believed by Fol to be reliable, but are not guaranteed as to its accuracy or completeness and should not be relied upon. The Information is provided without obligation on the part of Fol and on the understanding that any person who acts upon it or changes his investment position in reliance on it does so entirely at his own risk. The Information does not constitute an offer to buy or sell or an invitation to make an offer to buy or sell any of the securities or shares in any fund referred to herein.

Information is current only as at the date it is first posted and may no longer be true or complete when viewed by you. All Information may be changed or amended without prior notice although Fol does not undertake to update this site regularly.

Some of the Information may be provided by third parties and Fol accepts no responsibility or liability for the accuracy of such information.

Compensation

In the UK only, Fol are covered by the Financial Services Compensation Scheme ("FSCS"). Eligibility depends upon the type of business and the circumstances of the claim. Most types of investment business are covered for up to £75,000 per eligible claimant. Further information about compensation arrangements is available from the FSCS (www.fscs.org.uk).

Complaints

We are dedicated to providing a prompt, efficient and professional service in all our dealings with you. Maintaining the highest standards of customer service is of key importance to us, and your comments help us identify areas for improvement in our service. In the unlikely event that you have a compliant, in the first instance please contact us. If we cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service, at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4567.

To obtain a copy of the Fol Complaints Handling Procedure or to make a complaint about this site please send a written complaint to the registered address: Fol wealth, One Mayfair Place, Mayfair, London, W1J 8AJ.

No Liability

No representation, warranty or undertaking is given by Fol as to the accuracy or completeness of the Information by Fol and no liability is accepted by Fol for the accuracy or completeness of such Information. In no event will Fol be liable to any person for any direct, indirect, special or consequential damages arising out of any use of the Information, or on any other hyper-linked site, including, without limitation, any lost profits, business interruption, loss of programs or data on your equipment, or otherwise, even if Fol is expressly advised of the possibility or likelihood of such damages. This does not exclude or restrict any duty or liability that Fol has to its customers under any regulatory system.

You should be aware that the Internet is not a completely reliable transmission medium. Fol does not accept any liability for any data transmission errors such as data loss or damage or alteration of any kind, including, but not limited to any direct, indirect or consequential damage, arising out of the use of the products or services referred to herein. This does not exclude or restrict any duty or liability that Fol has to its customers under any regulatory system.

Indemnity

You agree to indemnify, defend, and hold harmless Fol, its associates, and the partners, employees, and agents of Fol , from and against any and all claims, liabilities, damages, losses, or expenses, including legal fees and costs, arising out of or in any way connected with your access to or use of this website and the Information.

Material Interests

Fol may have holdings in the funds referred to on this site and may otherwise be interested in transactions that you effect in those funds. 

Linked Websites

This site may be linked to third party websites or contain information provided by third parties. Fol does not make any representation as to the accuracy or completeness of such websites or information, has not and will not review or update such websites or information, and cautions browsers that any use made of such websites or information is at their own risk. Fol does not accept any liability arising out of the information contained on any linked website or Information provided by a third party and the use of such sites and information is at your own risk. Our Privacy Policy does not apply to third party websites. This does not exclude or restrict any duty or liability that Fol has to its customers under the regulatory system in the United Kingdom.

Copyright, Trademarks and Other Rights

Copyright, trademarks, database rights, patents and all similar rights in this site and the Information contained are owned by Fol, its associates or relevant third party providers. You may use the Information and reproduce it in hard copy for your personal reference only. The Information may not otherwise be reproduced, distributed, stored or transmitted without Fol's written consent.

Governing Law

You agree that your use of this site and any dispute arising from the use of this site is subject to English law and you submit to the jurisdiction of the English courts.

Privacy, Data Protection & Cookies

Fol is committed to safeguarding the personal information which you may provide to Fol through this site and to the extent that Fol collects any personal information, in the UK Fol will hold it in confidence in accordance with applicable Data Protection legislation.

You may be asked to voluntarily provide certain personal information details about you such as your name, address, telephone number, email address details and other information in connection with Fol’s customer registration procedures. Fol will use this information for the administration and servicing of your investments and other related activities and to ensure compliance with its obligations under the applicable regulatory regime. Fol will disclose the information to its service providers.

Please note that by submitting personal information you are consenting to such information being processed for the purposes referred to above. You agree that Fol has the right to use and store such data on its internal systems and to transfer it to its associated companies (if applicable), whether inside or outside the European Union, for the purpose of providing services to you. You should also be aware that the level of protection in relation to the processing of personal data may not be the same in countries outside the European Union as in the United Kingdom.

You have the right to receive information about the personal data maintained about you for which we reserve the right to charge a fee. Should you believe such personal data is not correct, please write to us.

Telephone calls made to Fol may be recorded and recordings may be used for training purposes or to meet Fol’s regulatory requirements. Any data provided during the call will be used and held in accordance with the relevant data protection requirements.

Information about Cookies

This website uses Google Analytics to help analyse how our visitors use the site. The tool uses cookies to store information, such as what time the current visit occurred, whether the visitor has been to the site before, and what site referred the visitor to the web page. A different cookie is used for each website, and visitors are not tracked across multiple sites. The information generated by the cookie about your use of the website (including IP address) is transmitted to Google. This information may then be used to evaluate visitors' use of the website and to compile statistical reports on website activity for Fol. In addition to declining cookies, you can also install the Google Analytics Opt-out Add-on in your browser, which prevents Google Analytics from collecting information about your website visits. This information is held by Google on their servers, we can access that information and while it shows the activity on our website we cannot identify individuals.

Our cookies do not collect any personal identifying information or confidential information such as passwords or policy numbers.

Most web browsers automatically accept cookies, although you can choose not to accept them. By doing so, some parts of our website will not function as designed.

If you wish to view our website without Google Analytics please click on this link for more information.

For more information about the cookies used by Google Analytics please click on this link.

Personal Information

We only collect personal details such as name, telephone number or email address when it is offered by a visitor via an email link, email form or contact page.

Usage

This Website contains general information and does not constitute advice on any specific legal/financial matter. Whilst Fol makes every effort to ensure that the content is accurate and up to date, nothing in these pages should be construed as legal/financial advice. By using this Website you confirm that you have not relied on any such content.

Fol excludes to the fullest extent lawfully permitted all liability whatsoever for any loss or damage howsoever arising out of the use of this Website or reliance upon the content of this Website. Fol does not exclude Fol' liability (if any) to you for personal injury or death resulting from Fol' negligence, for fraud or for any matter which it would be illegal to exclude or to attempt to exclude. From time to time this Website may also include links to other websites. Fol has no responsibility for the content of the linked website nor does it endorse such website and their content. It is your responsibility to check the terms and conditions of any other websites you may visit.

You may not create a link to this Website from another website or document without Fol' prior written consent. Your use of this Website and any dispute arising out of such use of the Website is subject to the laws of England & Wales.

Copyright

You may use information on this website for your own personal reference only. All information and material on this website is copyrighted to Fol.

The information on this website is provided in good faith and no representation, guarantee or warranty is made by us as to its accuracy. We shall not be liable for any loss or damage arising out of the use of or reliance on the information contained in our website. This does not affect our duty or liability to you which we have under the Financial Services and Markets Act 2000 or under the regulatory system. Fol Wealth accepts no liability for information contained within websites provided by third parties that may have links to or from our website.

Intellectual Property

The contents of this Website are copyright of Fol and may not be reproduced, transmitted or stored in whole or in part other than in accordance with the following permissions or with Fol written consent. 

You may print any articles or material or download them to a local hard disk for your own personal use or use by others within your organisation provided that any such material is reproduced in full without any amendment and that it is not incorporated into any other material whether in hard copy or electronic form.

You may also supply copies of any articles or material to third parties for their personal use only provided that Fol is acknowledged as the source of such material and the third party is informed that they are bound to comply with these licence conditions.

Privacy

Fol may ask you to provide personal information when you use the Website.
Fol may use this information for the following reasons:
•    internal record keeping and administration
•    to improve its services
•    send information to you which it thinks may be of interest to you
•    recruitment and selection purposes
•    for the purpose of compliance with applicable laws and regulations to process payment for the purchase of products and/or services.
If you have supplied contact details Fol may contact you by e-mail, phone, fax or mail.

Fol will not disclose any personal information received in respect of your use of the Website to any third party without your permission except as required by law. Fol will take all reasonable precautions to protect any personal data you may input via this Website but cannot be responsible for and therefore exclude all liability for loss or misuse of personal data which is intercepted or otherwise accessed by unauthorised persons.

By using the Website and not advising Fol to the contrary, you consent to Fol using the data in the way set out in these Website terms and conditions.
If you do not wish to receive further information about services and events offered by Fol please contact by writing to Folwealth One Mayfair Place, Mayfair, London, W1J 8AJ.
You may also contact Fol this way if you wish to have access to, modify, correct or object to the further processing of your information.

This Website may contain links to other websites. Fol does not have any control over that website. Accordingly, Fol cannot be responsible for the protection and privacy of any information which you have provided while visiting such websites. Users should exercise caution and look at the privacy statement applicable to the website in question.

Social Plugins

Fol uses so-called social plugins (in the following, buttons) of social networks such as Facebook, Twitter and LinkedIn.

Please note that we have no influence on the extent of data retrieved by the social networks with their buttons. For more information, please refer to the data protection information provided by social network in question.

If you are a member of a social network and do not wish it to combine data retrieve from your visit to our website, you must log out from the social network concerned before activating the buttons.

Independent Advice

Independent advice is not the only option available. 

If you go to your high street bank you may be greeted by a financial adviser, but they could well be ‘tied’ to recommending and promoting the products of the bank, or a single insurance/investment company to which the bank has an allegiance. So why do we need independent advisers, and how can customers be sure they are getting a fair deal? 

The Financial Conduct Authority (FCA) 

The FCA, to give it its shorter title is the independent watchdog that regulates all financial and insurance firms – this ranges from the largest multinational bank, to the financial adviser operating as a sole trader. The FCA handbook lays down the rules and guidance to which all regulated Advisers must adhere to. The rules are freely available from the FCA’s website– www.fca.org.uk. Please note by clicking on this link you will leave our website and enter into a third party website of which our firm is not responsible for the content. 

How do I know the company I am dealing with is independent?

Independent advisers are able to select product for customers from the whole of market – that means they can potentially recommend any product from any company providing it suits the customer’s needs and objectives. With such a wide choice of companies, investments and saving tools the customer can be reassured that they are not simply being provided with a standard recommendation – and are getting personalised advice. 

To ensure you do get personal advice your financial adviser will collect certain details about you and your circumstances to enable him to advise you. Remember to be as open and honest as you can, because the adviser’s recommendation will be based on the information you provide. 

All financial advisers have to provide their customers with the relevant important disclosure documents, detailing the following: information on services provided by the firm, how the firm is paid for the business it conducts, their complaints procedure, Data Protection and coverage under the Financial Services Compensation Scheme (FSCS). You can ask to see our disclosure documents at any time, simply contact us for these. 

Suitability

The information contained in this website should not be regarded as advice or an offer, invitation or solicitation to enter into any financial obligation, activity or promotion of any kind as defined by the Financial Services and Markets Act 2000. The provision of any investment services and products, whether or not mentioned in this website, may not always be suitable for an investor, and we recommend that any potential investor consults a financial adviser before entering into any investment contract. Investors should be aware that past performance is not an indication of future performance, the value of investments and the income derived from them may fluctuate and you may not receive back the amount you originally invested.

Anything else I should know? 

Some financial advisers do give advice on products that are not regulated by FCA – such as general taxation and some Buy-to-Let mortgages. Your adviser will explain to you when you are receiving advice on an unregulated product. It is important you are happy with the advice as you may not have the added protection of the FOS or FSCS when dealing with some unregulated products. 

Consumer Protection

The regulation of financial services is designed to protect customers at every stage. 

We will work on your behalf (rather than for any insurance company or bank) and aim to ensure that products recommended are suitable for your needs. 

What protection do I have? 

We will always endeavor to ensure the products recommended are suitable for you. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request. 
When we are advising you on regulated products (including investments, insurance and mortgages) you have the protection of the Financial Ombudsman Service (FOS) and the Financial Services Compensation Scheme (FSCS). 

If you are unhappy about the advice or service you have received you should firstly contact us outlining your concerns. This gives us the chance to put things right and/or to provide our own version of events. Should you remain dissatisfied you might be entitled to refer your complaint to the FOS who will investigate the complaint independently and make a ruling. The FOS work with customers and financial advisers to resolve a complaint, and when they do have to make a ruling it is binding upon the firm. 

If you try to contact a firm with a complaint and the firm is dissolved, or unable to meet its obligations, you may have recourse to the FSCS. This service is funded by levies on firms that are authorised by the Financial Conduct Authority to protect customers where firms have closed or gone into liquidation. 

THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE TAXATION ADVICE AND SOME FORMS OF BUY-TO-LET MORTGAGES. YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Summary of Business Continuity Plan

Abi Fol Consulting Limited (“Folwealth”) is committed to protecting its business information, processes, and customer data from unpredictable events.  We do this through the preparation and testing of our critical business applications to ensure that we have the ability to continue to operate in the event of a business interruption.  This plan is designed to:

• Provide for the recovery of our technology infrastructure and information.

• Prevent the loss of company information and transactions.

• Allow us to resume our primary business functions.

A goal of our Business Continuity Plan is to be able to recover and resume operations within predefined time frames following an incident (in most cases 24-48 hours after the declaration of a disaster).

To accomplish this we have:

• Contracted with multiple alternative workspaces for our personnel and business applications if our facilities are unusable as a result of the incident.

• Establish standardized backup procedures.  This includes regularly scheduled backups and secure off-site storage.

• Rehearse our recovery procedures and testing of those procedures on a regular basis.

• We will quickly assess the incident, communicate the situation and manage the recovery process.

We take our commitment to our clients very seriously and will participate in various industry-level conferences, discussions, and industry certifications regarding disaster recovery.  Participation in these types of forums increases our ability to proactively recognize and manage business disruption risks.

Although we have taken significant steps to develop and implement sound disaster recovery plans, we cannot guarantee that applications will always be available or recoverable after a disaster or significant business disruption.  However, we believe that our planning for such events is consistent with best practices established within the industry.

For confidentiaity reasons, we won't share our BCP documentation, but we are happy to answer any questions.

If you have any questions or concerns, please contact Abi Fol Consulting Limited (“Folwealth”) 07950352993