| Consumer Duty |
Affirms commitment to FCA’s Consumer Duty and client outcome principles. |
As an FCA-authorised firm, we are fully committed to meeting Consumer Duty standards. We ensure fair value, good outcomes, and clear, client-focused communication. We regularly review our advice process and communications to ensure alignment with these principles. |
| Investment Risk Warning |
Advises that investments are not guaranteed and can fall in value. |
The value of investments can fall as well as rise, and you may not get back the full amount originally invested. Past performance is not a reliable indicator of future results. Always seek personalised financial advice before making any investment decisions. |
| Complaints Policy |
Required by FCA; ensures clients know how to make a complaint and escalate it. |
We strive to provide a high standard of service at all times. If you have a complaint, please contact [email protected] or call +44 (0)203 745 1985. We will acknowledge your complaint within 5 business days. If not resolved, you may refer it to the Financial Ombudsman Service (www.financial-ombudsman.org.uk). |
| Privacy & GDPR |
Outlines how client data is collected, processed, and protected under UK law. |
We take your data privacy seriously and comply with UK GDPR and the Data Protection Act 2018. We use your data to provide services, meet regulatory obligations, and (with your consent) for marketing. Your rights include access, correction, erasure, objection, and withdrawal of consent. See our Privacy Policy for full details. |
| Use of AI(read ai even) |
Discloses the use of AI in advice processes and assures human oversight. |
We may use AI tools to support our financial advice process, such as retirement modelling, risk profiling, or product comparison. All final recommendations are reviewed by a qualified human adviser. AI tools do not make autonomous decisions. |
| Cookies |
Required to explain how cookies are used and how users can control them. |
We use cookies to improve functionality, analyse site usage, and enhance user experience. Essential cookies are always active; others require your consent. You can manage preferences through your browser or our Cookie Policy. |
| Client Categorisation |
Informs clients they will be treated as 'retail clients' for maximum protection. |
You will be treated as a Retail Client unless agreed otherwise. This classification ensures you receive the highest level of regulatory protection under FCA rules. |
| Fees & Remuneration |
Required to disclose how the firm is paid and any potential conflicts. |
We offer both fee-based and commission-based models. You will receive a clear fee disclosure document before engaging our services. All remuneration will be disclosed in writing prior to any transaction. |
| Referrals & Introducers |
Clarifies any relationships with third-party firms and referral income. |
We may introduce you to third-party providers for certain services. These providers are independent, and we do not accept liability for their advice. Any referral payments or commissions received will be disclosed. |
| Conflicts of Interest |
Demonstrates transparency in managing potential conflicts. |
We maintain a written policy to identify and manage conflicts of interest. Where a conflict cannot be avoided, it will be disclosed to you clearly and promptly. |
| Professional Indemnity |
Provides confidence that insurance exists to cover professional mistakes. |
Hoxton Capital Management (UK) Ltd holds appropriate Professional Indemnity Insurance in accordance with FCA requirements. This provides protection against certain professional liabilities. |
| Terms of Business |
Informs clients of the contractual framework under which services are provided. |
All advice and services provided are subject to our Terms of Business, a copy of which will be provided before engagement. These outline the scope of our services, fees, obligations, and client rights. |
