KEY FACTS ABOUT OUR SERVICES AND COSTS
- Whose products do we offer?
We offer products from a range of insurers for life (including funeral planning), critical illness and income
protection plans.
2. 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.
3. What will you have to pay us for our services?
The information on our product charges is 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.
4. 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.
5. 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 9AE
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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 Client Liaison, St. James’s Place, St. James’s Place House, 1 Tetbury Road, Cirencester,
Gloucestershire GL7 1FP
by phone 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% where claims arise under other types of policy with no upper
limit.
Further information about compensation schemes is available from the FSCS https://www.fscs.org.uk/
Acting in your interests
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 is 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 at:
https://www.sjp.co.uk/about-st-james-place/our-responsibilities/corporate-governance.
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 is 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 (SmartSearch
Ltd). Your credit file will show that an identification check has been carried out by that agency, 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, and 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.
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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 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 Partner’s Privacy Policy
which can be accessed at their website and Future Proof Ltd’s Privacy Policy which can be accessed at
https://www.futureproofinsurance.co.uk/about-us/gdpr-policy.
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
1 The St. James’s Place Group is a wealth management group which includes St. James’s Place Wealth Management Group Limited and its subsidiaries 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 Limited and Rowan Dartington and Co. Limited.
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