Before agreeing to provide a service, we will provide you with details of the basis on which we will be paid, together with an estimate of the actual cost. This is set out in a ‘Customer Agreement’ document that sets out the scope and nature of the services you will receive, as well as when and how you will need to pay us.

Before we commence to provide services to you, it will be necessary for you to sign the Customer Agreement and return it to us. It will then be countersigned by a director of the Company and a copy returned to you.

Depending on the nature of the service you require, you have the option either to pay us directly. Where this is the case, we will invoice you for the agreed amount on completion for payment within 30 days.

Alternatively, depending on the type of work we carry out on your behalf, you can ask for our costs to be deducted from the amount you pay to, or invest with, product providers.

In some cases, e.g. if you take out a life assurance policy, the provider may offer to pay us a commission in lieu of charging you a fee. It is important that you understand this affects the premiums you then pay. It is also important you understand that, if you cancel the policy within a certain period, the provider may then clawback part of the original commission payment to us. Where this is the case, we will issue an invoice to you for the amount clawed back.