Terms of Business – Advised
KEY FACTS ABOUT OUR SERVICES AND COSTS
Future Proof Ltd
Priory House
45 – 51 High Street
Reigate
Surrey RH2 9AE
- Whose products do we offer?
We offer products from a range of insurers for life (including funeral planning), critical illness and income
protection plans. - Which service will we provide you with?
We will advise and make a personal recommendation for you after assessing your needs for life; critical illness
and income protection insurance, on a fair and personal analysis of the market. - What will you have to pay us for our services?
The information on our product charges are set out in the relevant Key Features Document or Key Information
Document.
We will arrange the policy with the insurer on your behalf.
We may receive remuneration for this from the insurer which is taken from the premium charged to you by the
insurer. You will receive a quotation from the insurer which will tell you exactly how much you will pay for any
insurance policy. - Who regulates us?
Future Proof Ltd is an appointed representative of St. James’s Place Wealth Management plc, St. James’s Place
House, 1 Tetbury Road, Cirencester, Gloucestershire GL7 1FP which is authorised and regulated by the Financial
Conduct Authority (FCA), 12 Endeavour Square, Stratford, London E20 1JN.
St. James’s Place Wealth Management plc’s Financial Services Register number is 195351.
St. James’s Place Wealth Management plc’s permitted business is advising on and arranging investments,
mortgages and insurance contracts. For the purposes of the Insurance Distribution Directive, St. James’s Place
Wealth Management are acting as an insurance intermediary.
You can check this on the Financial Services Register by visiting the FCA’s website
www.fca.org.uk/firms/systems-reporting/register or by contacting the FCA on 0800 111 6768. - Loans and ownership
Future Proof Ltd is a wholly owned subsidiary of the St. James’s Place group of companies.
KEY FACTS ABOUT OUR SERVICES AND COSTS
Future Proof Ltd
Priory House
45 – 51 High Street
Reigate
Surrey RH2 9A
Terms of Business
St. James’s Place Guarantee
St. James’s Place guarantees the suitability of the advice given by members of the St. James’s Place Partnership
when recommending any of the wealth management products and services available from companies in the
Group, more details of which are set out on the Group’s website at www.sjp.co.uk/products.
What to do if you have a complaint
If you wish to register a complaint, please contact:
…in writing Write to: Client Liaison, St. James’s Place, St. James’s Place House, 1 Tetbury Road,
Cirencester, Gloucestershire GL7 1FP
…by phone Telephone 01285 878201
…by email client.liaison@sjp.co.uk
If you cannot settle your complaint with St. James’s Place, you may be entitled to refer it to the Financial
Ombudsman Service, Exchange Tower, London, E14 9SR; Telephone 0800 023 4567, website:
https://www.financial-ombudsman.org.uk.
Are we covered by the Financial Services Compensation Scheme (FSCS)?
We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our
obligations. This depends on the type of business and the circumstances of the claim.
Pure protection is at 100% where claims arise from the death or incapacity of the policyholder due to injury,
sickness, or infirmity, with no upper limit. This also applies to advising and arranging long term care insurance.
Insurance advising and arranging is covered at 90% of the claim with no upper limit.
Further information about compensation schemes is available from the FSCS website https://www.fscs.org.uk/
Links from this website exist for information only and we accept no responsibility or liability for the information contained on any such sites. The existence of a link to another website does not imply or express endorsement of its provider, products or services by us or St. James’s Place. Please note that clicking a link will open the external website in a new window or tab.
Acting in your interests
The St. James’s Place Group1 is required to have a Conflicts of Interest Policy which sets out our approach to
managing potential or actual conflicts of interest that may arise, and thereby protecting the integrity of the
Group and its clients and stakeholders.
Where any conflicts of interest are identified, these will be managed honestly, fairly and, where possible,
consistently, and in a transparent manner. St. James’s Place management are actively involved in the
management and resolution of any conflicts to ensure fair treatment of all parties.
1 The St. James’s Place Group is a wealth management group which includes St. James’s Place UK plc, St. James’s Place International plc, St. James’s
Place Wealth Management plc, St. James’s Place Management Services Limited, St. James’s Place Unit Trust Group Limited, St. James’s Place
Investment Administration Limited, Future Proof Ltd and Rowan Dartington and Co. Limited.
SCDD (advice) 31 July 2023
If any material conflict of interest arises in relation to business that we are arranging for you, we will inform you
in writing and obtain your consent before we carry out your instructions. Further details of the Group Conflicts
of Interest Policy can be obtained on request.
Client categorisation and your rights
We will categorise you as a retail client in accordance with the FCA’s rules.
Scope of Authority
Future Proof Ltd are authorised to represent only the St. James’s Place Group for the purposes of advising on
protection products and services.
Client identification
Future Proof Ltd, together with St. James’s Place are required to establish the identity of all applicants,
beneficiaries, plus some other associated parties such as Trustees and Attorneys, and may therefore disclose
information provided by you in connection with your application to third parties for this purpose. We may verify
your identity electronically, against public records through an independent agency. Your credit file will show
that an identification check has been carried out, but this information will not affect your credit rating.
Data Protection Regulations
Future Proof Ltd, together with St James’s Place Wealth Management plc, are the data controllers of any personal
data you provide to us during this review and any personal data you subsequently provide, or which is processed
in connection with the products and services we provide to you.
We will collect and use your personal data such as your name and contact details, health information, family
and lifestyle information, personal assets and liabilities, tax and residency details, financial products already
held (e.g. Pension and protection).
We will use the personal data for the provision of financial advice and services, administration, communication,
risk assessments, fraud prevention and other regulatory or legal purposes.
If we need to collect special categories of data (e.g. health information) we will request your consent to do so
and clearly explain why we need the data, the implications of not providing the data and what will happen if
consent is subsequently withdrawn.
In order to provide these services, we may share the personal data you provide with third parties such as other
Partners within the St James’s Place Partnership, partner support specialists, product & service providers,
administrators of a scheme relating to your investment plan, 3rd party companies providing administration
services. We may also need to share it with HM Revenue and Customs and our regulators such as the Financial
Conduct Authority or the Prudential Regulation Authority in certain circumstances.
Where you are providing us with personal data about another individual, you will inform them that you are
providing their information to us, refer them to our privacy notice available at www.sjp.co.uk and obtain their
consent to our use of their special categories of personal data such as health information where we indicate it
is required.
For further information on our use of your personal data and your rights, please see the St James’s Place Privacy
Policy which can be accessed at https://www.sjp.co.uk/site-services/privacy.
Should you have any enquiries relating to the personal data that we may hold about you or how your personal
data is processed, you can contact our Data Protection Officer, at dpo@sjp.co.uk.
SCDD
Confidentiality
St. James’s Place adhere to a confidentiality policy which requires us to treat all information about you in the
strictest confidence.
SCDD (advice) 31 July 2023
Terms of Business – Non Advised
KEY FACTS ABOUT OUR SERVICES AND COSTS
Future Proof Ltd
Priory House
45 – 51 High Street
Reigate
Surrey RH2 9AE
The service we will provide you with and the products we offer
We do not provide recommendations or advice. We may ask some questions to narrow down the selection of
products that we will provide information on. You will then need to make your own choice about how to proceed.
You are responsible for ensuring that the policy you select meets your demands and needs.
We are not under a contractual obligation to conduct insurance distribution exclusively with one or more
insurers.
For a full list of the insurers we offer products from please refer to our website.
What will you have to pay us for our services?
We will arrange the policy with the insurer on your behalf.
We may receive remuneration for this from the insurer which is taken from the premium charged to you by the
insurer. You will receive a quotation from the insurer which will tell you exactly how much you will pay for any
insurance policy.
Who regulates us?
Future Proof Ltd is an appointed representative of St. James’s Place Wealth Management plc, St. James’s Place
House, 1 Tetbury Road, Cirencester, Gloucestershire GL7 1FP which is authorised and regulated by the Financial
Conduct Authority (FCA), 12 Endeavour Square, Stratford, London E20 1JN.
St. James’s Place Wealth Management plc’s Financial Services Register number is 195351.
St. James’s Place Wealth Management plc’s permitted business is advising on and arranging investments,
mortgages and insurance contracts. For the purposes of the Insurance Distribution Directive, St. James’s Place
Wealth Management are acting as an insurance intermediary.
You can check this on the Financial Services Register by visiting the FCA’s website
www.fca.org.uk/firms/systems-reporting/register or by contacting the FCA on 0800 111 6768.
Loans and ownership
Future Proof Ltd is a wholly owned subsidiary of the St. James’s Place group of companies.
St. James’s Place Guarantee
St. James’s Place guarantees the suitability of the advice given by members of the St. James’s Place Partnership
when recommending any of the wealth management products and services available from companies in the
Group, more details of which are set out on the Group’s website at www.sjp.co.uk/products.
What to do if you have a complaint
If you wish to register a complaint, please contact:
…in writing Write to: Client Liaison, St. James’s Place, St. James’s Place House, 1 Tetbury Road,
Cirencester, Gloucestershire GL7 1FP
…by phone Telephone 01285 878201
…by email client.liaison@sjp.co.uk
If you cannot settle your complaint with St. James’s Place, you may be entitled to refer it to the Financial
Ombudsman Service, Exchange Tower, London, E14 9SR; Telephone 0800 023 4567, website:
https://www.financial-ombudsman.org.uk.
Are we covered by the Financial Services Compensation Scheme (FSCS)?
We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our
obligations. This depends on the type of business and the circumstances of the claim.
Pure protection is at 100% where claims arise from the death or incapacity of the policyholder due to injury,
sickness, or infirmity, with no upper limit. This also applies to advising and arranging long term care insurance.
Insurance advising and arranging is covered at 90% of the claim with no upper limit.
Further information about compensation schemes is available from the FSCS website
Links from this website exist for information only and we accept no responsibility or liability for the information contained on any such sites. The existence of a link to another website does not imply or express endorsement of its provider, products or services by us or St. James’s Place. Please note that clicking a link will open the external website in a new window or tab.
The St. James’s Place Group is required to have a Conflicts of Interest Policy which sets out our approach to
managing potential or actual conflicts of interest that may arise, and thereby protecting the integrity of the
Group and its clients and stakeholders.
Where any conflicts of interest are identified, these will be managed honestly, fairly and, where possible,
consistently, and in a transparent manner. St. James’s Place management are actively involved in the
management and resolution of any conflicts to ensure fair treatment of all parties.
If any material conflict of interest arises in relation to business that we are arranging for you, we will inform you
in writing and obtain your consent before we carry out your instructions. Further details of the Group Conflicts
of Interest Policy can be obtained on request.
Client categorisation and your rights
We will categorise you as a retail client in accordance with the FCA’s rules.
Scope of Authority
Future Proof Ltd are authorised to represent only the St. James’s Place Group for the purposes of advising on
protection products and services.
Client identification
Future Proof Ltd, together with St. James’s Place are required to establish the identity of all applicants,
beneficiaries, plus some other associated parties such as Trustees and Attorneys and may therefore disclose
information provided by you in connection with your application to third parties for this purpose. We may verify
your identity electronically, against public records through an independent agency. Your credit file will show
that an identification check has been carried out, but this information will not affect your credit rating.
Data Protection Regulations
Future Proof Ltd, together with St James’s Place Wealth Management plc, are the data controllers of any personal
data you provide to us during this review and any personal data you subsequently provide, or which is processed
in connection with the products and services we provide to you.
We will collect and use your personal data such as your name and contact details, health information, family
and lifestyle information, personal assets and liabilities, tax and residency details, financial products already
held (e.g. Pension and protection).
We will use the personal data for the provision of financial advice and services, administration, communication,
risk assessments, fraud prevention and other regulatory or legal purposes.
If we need to collect special categories of data (e.g. health information) we will request your consent to do so
and clearly explain why we need the data, the implications of not providing the data and what will happen if
consent is subsequently withdrawn.
In order to provide these services, we may share the personal data you provide with third parties such as other
Partners within the St James’s Place Partnership, partner support specialists, product & service providers,
administrators of a scheme relating to your investment plan, 3rd party companies providing administration
services. We may also need to share it with HM Revenue and Customs and our regulators such as the Financial
Conduct Authority or the Prudential Regulation Authority in certain circumstances.
Where you are providing us with personal data about another individual, you will inform them that you are
providing their information to us, refer them to our privacy notice available at www.sjp.co.uk and obtain their
consent to our use of their special categories of personal data such as health information where we indicate it
is required.
For further information on our use of your personal data and your rights, please see the St James’s Place Privacy
Policy which can be accessed at https://www.sjp.co.uk/site-services/privacy.
Should you have any enquiries relating to the personal data that we may hold about you or how your personal
data is processed, you can contact our Data Protection Officer, at dpo@sjp.co.uk.
Confidentiality
St. James’s Place adhere to a confidentiality policy which requires us to treat all information about you in the
strictest confidence.
