Rouse Limited is authorised to conduct investment business under the Financial Services and Markets Act 2000 and is regulated by the Financial Services Authority.

Rouse Limited is an independent advisor and will act on your behalf in advising you on life assurance, pensions and investments with different companies.

We offer independent advice, but occasions may arise where we or one of our other clients will have some form of interest in business being transacted for you. If this happens or we become aware that our interests or those of one of our other clients conflict with your interests, we will write to you in order to obtain your consent before we carry out your instructions and to detail the steps we will take to ensure fair treatment.

You will give us instructions in writing (including electronically and by facsimile transmission) to avoid possible disputes. We will, however, accept oral instructions provided they are confirmed in writing.

Unless in exceptional circumstances, we will confirm to you in writing the basis or our reasons for recommending the transaction being executed on your behalf.

We will also make arrangements for all your investments to be registered in your name unless you first instruct us otherwise in writing. We will forward to you all documents showing ownership of your investments as soon as practicable after we receive them.

Where a number of documents relating to a series of transactions is involved, we will normally hold each document until the series is complete and then forward them to you.

The information you provide is subject to the Data Protection Act 1998.

You will be required to consent to us or any company associated with us (such companies include, for the avoidance of doubt, Bankhall Investment Associates Limited and any member of its group and/or companies, persons or entities of any nature whatsoever with which it is associated or allied from time to time) processing, both manually and by electronic means, your personal data for the purposes of providing advice, administration and management.

“Processing” includes obtaining, recording or holding data, transferring it to other companies associated with us, product providers, the FSA or any other statutory, governmental or regulatory body for legitimate purposes including, where relevant, to solicitors and/or other debt collection agencies for debt collection purposes and carrying out operations on the data.

The information provided may also contain sensitive personal data for the purposes of the Data Protection Act 1998, being information as to your physical or mental health or condition; the commission or alleged commission of any offence by you; any proceedings for an offence committed or alleged to have been committed by you, including the outcome or sentence in such proceedings; your political opinions, religious or similar beliefs, sexual life; or your membership of a Trade Union.

We may also contact you or pass your details to other companies associated with us to contact you with details of any other similar products, promotions, or for related marketing purposes in which we think you may be interested.

If at any time you wish us or any company associated with us to cease processing your personal and/or sensitive personal data, and/or contacting you for marketing purposes, please contact The Data Protection Officer in writing at Rouse Limited, The Innovation Centre, St Cross Business Park, Monks Brook, Newport, Isle of Wight PO30 5WB or by telephone on 01983 550500.

You may be assured that we, and any company associated with us, will treat all personal and sensitive personal data as confidential and will not process it other than for a legitimate purposes. Steps will be taken to ensure that the information is accurate, kept up to date and not kept for longer than is necessary. Measures will also be taken to safeguard against unauthorised or unlawful processing and accidental loss or destruction or damage to the data.

Subject to certain exceptions, you are entitled to have access to your personal and sensitive personal data held by us. You may be charged a fee (subject to the statutory maximum) for supplying you with such data.

Rouse Limited does not handle client money.

We never accept a cheque made out to us (unless it is a cheque in settlement of charges or disbursements for which we have sent you an invoice) or handle cash.

You are advised that because investments can fall as well as rise, you may not get back the full amount invested. Past performance is not necessarily a guide to future performance.

Right to Withdraw/Cancel

In the case of a non-packaged product, ISA or PEP being recommended, we will inform you in writing of any right to withdraw or cancel that you may have or, alternatively, we will inform you in writing if no such rights apply.

We normally derive our income from commission paid to us by life assurance companies and the operators of collective investment schemes through which investments are made. We will tell you the amount of commission payable to us on any such investment.

If we receive commission or other form of benefit from the issuer of a security or from another intermediary, we will inform you, but we will not tell you the amount unless you ask us to do so.

Alternatively, if you or we propose to operate on a fee basis, we will agree this, together with the frequency and method, with you in writing before we carry out any chargeable work. If we receive commission from any third party in relation to the transactions arranged for you, we will offset the amount received against any fees due.

If you cease to pay premiums on a regular premium policy that we have arranged for you and we are obliged to refund the commission that has been paid to us, we reserve the right to charge you a fee representing the amount repaid for a period of up to four years after commencement of the policy. However, we will not charge the fee if you exercise your right to cancel in accordance with the cancellation notice sent to you by the life assurance company.

Following the issue of these Terms of Business, any advice/recommendations offered to you will be based on your stated investment objectives, acceptable level of risk and any restrictions you wish to place on the type of investments or policies you are willing to consider.

Details of your stated investment objectives will be included in the suitability report we will issue to you to confirm our advice/recommendations. Unless confirmed in writing to the contrary, we will assume that you do not wish to place any restrictions on the advice we give you.

You or we may terminate our authority to act on your behalf at any time. Notice of this termination must be given in writing and will take effect from the date of receipt.

Termination is without prejudice to any transactions already initiated that will be completed according to these Terms of Business unless otherwise agreed in writing. You will be liable to pay for any transactions made prior to termination and any fees that may be outstanding.