Complaints

If you should have any complaint about the advice you receive or a product you have bought please write or call the Compliance Director at Sanlam Partnerships Limited, Unit 1 Andoversford Business Park, Andoversford, Cheltenham, GL54 4LB. Telephone Number 01242-820738.

If following our subsequent investigation and response you are still not satisfied you may contact the Financial Ombudsman Service (www.financial-ombudsman.org.uk; South Quay Plaza, 183 Marsh Wall, London, E14 9SR). Full details are contained within our internal complaints procedure, which is available to you on request at any time.

Disclaimer

The information available through Bains Financial Planning Ltd is for your general information and use and is not intended to address your particular requirements. In particular, the information does not constitute any form of advice or recommendation by Bains Financial Planning Ltd and is not intended to be relied upon by users in making (or refraining from making) any investment decisions

Appropriate independent advice should be obtained before making any such decision. Any arrangement made between you and any third party named in the site is at your sole risk and responsibility.

For your information we would like to draw your attention to the following mortgage warning:

Your home may be repossessed if you do not keep up repayments on your mortgage

For your information we would like to draw your attention to the following investment warnings:

The price of shares and investments and the income derived from them can go down as well as up, and investors may not get back the amount they invested.

The spread between the bid and offer prices of securities can be significant in volatile market conditions, especially for smaller companies. Realisation of small investments may be relatively costly. Past performance is not necessarily a guide to future performance.

Where the information consists of pricing or performance data, the data contained therein has been obtained from company reports, financial reporting services, periodicals, and other sources believed reliable.

The site operates a policy of independence in relation to matters where the operator may have a material interest or conflict of interest.

On conflict of interest such interest may arise from the receipt of advertising income, commissions based on business introduced, payment for enhanced publication presence, holding of positions etc.

Contributors employed or contracted by the company to provide site material are required to disregard any material interest or conflict of interest when giving advice through the site.

Journalistic comment included on this site is made to the best of the knowledge and belief of the writer but no responsibility is accepted for actions based on such comment.

Bains Financial Planning Ltd is an appointed representative of Sanlam Partnerships Ltd which is authorised and regulated by the Financial Conduct Authority.

Regulations, levels and bases of taxation are subject to change. The firm is not responsible for the content of external links. Content is aimed at UK residents.