Terms and Conditions

WHO REGULATES US?
PCWM Limited is authorised and regulated by the Financial Conduct Authority (FCA), 25 The North Colonnade, Canary Wharf, London E14 5HS. Our Financial Services Registration number is 628009. You can check this on the Financial Services Register by visiting www.fca.org.uk/register or by contacting the FCA on 0800 111 6768. Our FCA permissions are advising and arranging investments, including non investment insurance contracts, and pensions.

COMPLAINTS
In the event that you have a complaint about any aspect of the service you have received, or to request a copy of our Complaints Handling Procedures, please contact us at:
PCWM Ltd, Partnership House, Monks Cross Drive, Monks Cross, York YO32 9GZ

If your complaint is not resolved to your satisfaction you may be entitled to refer it to the Financial Ombudsman Service (FOS). Full details of the FOS can be found at 
www.financial-ombudsman.org.uk.

THE FINANCIAL SERVICES COMPENSATION SCHEME (FSCS)
FSCS cover depends on the nature of the claim being made. In general terms, FSCS cover is not available on claims for loss of value resulting just from the poor performance of investments. However, cover may be available for claims against authorised firms for loss arising from bad investment advice, poor investment management or misrepresentation. Most types of investment business are covered up to a maximum limit of £50,000. This depends on the type of business and the circumstances of the claim. Insurance business is covered for 90% of the claim without any upper limit. However, on occasion we may advise on other financial instruments which are not regulated by the FCA under the Financial Services and Markets Act 2000. The FSCS does not apply to any of these or in other situations where the investment company counterparty is not located in the UK. We will inform you as appropriate in which circumstances FSCS protections do not apply.

Further information about compensation scheme arrangements is available from the FSCS, please contact 0800 678 1100 or visit www.fscs.org.uk.

USEFUL INFORMATION
Financial Conduct Authority (FCA)
25 The North Colonnade,
Canary Wharf,
London E14 5HS

Find us on the Financial Services Register
www.fca.org.uk/register 
or by contacting the FCA on
0800 111 6768.

Request a copy of our Complaints Handling Procedures
PCWM Ltd, Partnership House, Monks Cross Drive, Monks Cross, York YO32 9GZ
T: 01430 422 655 | E: office@pcwm.co.uk

The Financial Services Compensation Scheme (FSCS)
Telephone 0800 678 1100
or visit www.fscs.org.uk

The Financial Ombudsman Service (FOS)
www.financial-ombudsman.org.uk.