CASHVILLE FX

C H A R TS

CLIENT
AGREEMENT
This document sets out the basis on which we will conduct business with you and on your behalf. It is an
important document and we would ask you to read it carefully and if you are unsure of any of its terms
please ask.

The terms of this Agreement come into force immediately on acceptance (implied or actual) of its terms by
you and will remain in force until further notice.

Live Stock Chart – Stock Group Limited is a financial institution incorporated in the United Kingdom –
11290602 and Vanuatu which is authorised & regulated by the Financial Conduct Authority (FCA) under
number 40356. You can make further inquiries by visiting: https://cashvillefx.comor sending an email to:
[email protected]
You can as well visit our Headquarter (HQ.) situated at Innovation House, Speculation Road, Forest Vale
Industrial Estate, Cinderford, Gloucestershire, England, GL14 2YD.

THE RANGE OF OUR ADVICE AND FINANCIAL

PLANNING OBJECTIVES
Your adviser is independent and acts on your We will then be able to set out clearly your
behalf as your agent. Your Adviser is therefore able financial planning objectives based on your stated
to provide unbiased unrestricted advice on retail objectives, acceptable level of risk and any
investment products based on a comprehensive restrictions you wish to place on the type of
and fair analysis of the market. For mortgage policies you are willing to consider. Details of your
advice your adviser provides independent stated objectives will be set out in a Suitability
mortgage advice on first charge mortgages. This is Report we will issue to you to confirm our
a mortgage where the lender takes the first charge recommendation. Unless confirmed in writing, to
on the property. This will include most mortgages. the contrary, we will assume that you do not wish
Further advances can also be arranged, where to place any restrictions on the advice we give you.
appropriate, but advice isn’t provided on second
charge mortgages.
You hereby acknowledge that in the event of the
firm assisting you in the completion of any
We are permitted to give advice on trading, investment or insurance application or policy
investments, general insurance and mortgages proposal forms that you will in any event continue
and arrange transactions in these products. For to bear full responsibility for the accuracy and
investment products, this will include not just completeness of the information entered on such
packaged products, but also structured products, forms. Therefore, you understand that inclusion of
all investment trusts and any other investments incorrect information or omission of any material
that offers exposure to underlying assets, but in a facts may result in the insurance, investment or
packaged form which modifies that exposure policy to which the application or proposal relates
compared with direct holding in the financial asset. to being adversely adjusted, made void and/or
any claim(s) made against it being refused. The
advice we give you will be based on the
In order to provide you with personal financial information you have given us and your stated
advice and recommendations suitable for your investment objectives including the degree of risk
particular circumstances we will undertake a ‘fact you will accept. It is your responsibility to advise us
find’ to gather the appropriate information to on any changes.
assess your needs.
We will forward to you all documents showing THE COST OF OUR SERVICES
ownership of your investments/contracts as soon
as practicable after we receive them. All such You will pay for our services by either a fee or a
documents may be sent by post and this would be combination of fee and/or fee by payment
at your risk. facilitation through product charging. We will
discuss your payment options with you and answer
We will outline from the outset whether our advice any questions you have. We will not charge you
will cover your entire financial planning needs or until we have agreed with you how we are to be
whether it will focus on a specific area giving paid. For payment options relating to investment
consideration to any restriction you place on what advice, please refer to any of our web-based
advice you want. administrators. Value added tax may be payable
on some or all of the work we do. We will inform you
We require our clients to give us instructions in
if VAT is applicable.
writing, or we may confirm our understanding in
writing (by post or by email) in order to avoid
possible disputes.
CLIENT MONEY
This will usually be in the form of a proposal or
application form. We will, however, accept oral For your additional security we do not handle
instructions in certain instances provided they are client’s money. We never accept a cheque made
subsequently confirmed in writing. out to us (unless it is a cheque in settlement of our
fees or other charges or disbursements for which
we have sent you an invoice). We do not handle
cash.
CUSTOMER CLASSIFICATION
The type of client category will determine the levels
of protection afforded to you under the Financial ACCOUNTING TO YOU
Services and Market Act 2000.
We will make arrangements for all your investments
The firm proposes to classify you in accordance policies and/or contracts to be registered in your
with FCA rules as a Retail Client and the regulatory name unless you first instruct us otherwise in
protection available to you will be the highest writing.
available. This agreement is personal to you and
not assignable. You have a right to request for copies of contract
notes and entries in our records in relation to
We may accept instructions from and give transactions on your behalf with a little charge
information to third parties or your other advisers which depends on your investment portfolio.
on your behalf where you have confirmed in writing
we may do so. We cannot accept any In that request we reserve the right to give you
responsibility for errors in information supplied by copies of such documents rather than access to
such persons. the original records.

Where you are a trustee, director or officer of any We will forward to you all documents showing
trust, corporation or LLP requiring advice you ownership of your investments policies and/or
warrant to us that you have full authority to act on contracts as soon as practicable after we receive
behalf of the same and there are no restrictions on them.
the limits of our advice of which we have not been Where a number of documents relating to a series
made aware. of transactions is involved, we will normally hold
We will not be responsible for advising on each document until the series is complete and
compliance with your trust, trustee, director or then forward them to you.
officer obligations.
CANCELLATION RIGHTS The value of investments may go down as well as
up, and you may not get back the amount invested.
The cancellation rights for each individual policy
you have been advised on will be explained to you Levels of income from investments may fluctuate.
by our supportive concerned web-based We cannot be held liable for any depreciation in the
administrator before or at the time you confirm or value of investments arranged for you. Non- readily
carry out the transaction. realizable investments will generally have a
restricted market, and therefore it may be difficult
to deal in that investment or to obtain reliable
MATERIAL INTERESTS information about its value.

We are not connected to any product provider, For mortgages please be aware that your home
but occasions can arise where we, or one of our may be repossessed if you do not keep up
other customers, will have some form of interest in repayments on your mortgage.
business, which we are transacting for you. If this
For insurance products, your insurance policy may
happens, or we become aware that our interests or
lapse if you do not keep up to date with regular
those of one of our other customer’s conflict with
premium payments and you may not be covered if
your interests, we will inform you in writing and
a claim is made.
obtain your consent before we carry out your
instructions. There may be occasions when we will Again, we require our clients to give us instructions
be unable to act for one of the parties. in writing, or we may confirm our understanding in
writing (by post or by email) in order to avoid
As a consequence of such potential conflicts
possible disputes.
arising, we have put arrangements in place to
ensure our clients are treated fairly. We have also
implemented a conflicts of interest policy to help us
manage such risks, which you may access on TERMINATION OF AUTHORITY
request. You or we may terminate our authority and/or this
Where an advisory firm works in a partnership with agreement to act on your behalf at any time
a discretionary manager, appropriate agreements without penalty. Notice of this termination must be
must be in place. Should a recommendation be given in writing and will take effect from the date of
made to appoint LSC to act as a discretionary receipt. Termination is without prejudice to any
manager for any proposed investment a formal transactions already initiated which will be
discretionary management agreement will be completed according to this client agreement
required that sets out how your investments will be unless otherwise agreed in writing.
managed. You will be liable to pay for any transactions made
LSC will be responsible for the suitability of the prior to termination and any fees which may be
advice. We recognize the potential conflict of outstanding.
interest operating within a group structure, and
maintain robust systems and controls to mitigate
the risks. Where a platform/custodian is used their DATA PROTECTION & ANTI -MONEY
particular terms and conditions will be provided or LAUNDERING
available upon request.
We are registered under the Data Protection Act
1998. You acknowledge and understand that we
keep personal and financial information with
RISK WARNINGS regard to your circumstances on file (electronic
Relevant risk warnings will be advised to you and/or paper based) as required to be able to
throughout the financial planning process and in advise you as to your financial planning needs.
maybe, your suitability report.
 We cannot be held responsible for the information We reserve the right to approach third parties
held on your file being inaccurate due to your and to delay any of your applications until
failing to inform us of a change of circumstances. adequate verification of identity has been
obtained.
Where business services are provided to us by third
parties then circumstances may arise which
warrant the disclosure of more than just your basic
GOVERNING LAW & JURISDICTION LIABILITY
contact details. On these occasions such as
processing business, and obtaining compliance You agree to indemnify us in relation to any acts;
and regulatory advice you agree that personal proceedings or claims which we incur directly or
information held by us may be disclosed on a indirectly as a result of our acting under this
confidential basis, and in accordance with the agreement save that this indemnity shall not apply
Data Protection Act 1998, to such third parties. to the extent it arises out of our negligence, fraud,
You agree that this information may be transferred breach of this agreement or our regulatory
electronically, (e.g. e- mail). You also agree that we responsibilities.
or any such third party may contact you in future We reserve the right to amend this agreement at
by any means of communication which we or they our discretion where changes in regulation or law
consider appropriate at the time. necessitate by giving you notice in writing. You will
We keep records of our business transactions with also be given the option to accept our new
you for at least six years. agreements or terminate our authority. This
agreement shall be governed by and construed
We are required to verify your identity in according to English law.
accordance with the Proceeds of Crime Act 2002
Any disputes shall be determined in the jurisdiction
and the Money Laundering Regulations 2007.
of the English Courts.

CLIENT’S CONSENT
This is our client agreement upon which we intend to rely. For your own benefit and protection, you should
read these terms carefully before signing them. If you do not understand any point please ask for further
information.

I understand and consent to the terms of this client agreement and I hereby authorise the transfer of
information, as described above, on a confidential basis when warranted between such third parties.

I authorise you to liaise with my other professional advisers wherever necessary in exchanging relevant
personal information pertinent to my financial planning requirements and to rely on any such information
provided.

I agree that this Client Agreement will come into effect from the date below.

Signed for and on behalf of CVF

.

Administrator: Date of Issuance: