TERMS OF BUSINESS – Non-advice

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 are covered at 90% of the claim with no upper limit.
Further information about compensation schemes is available from the FSCS.

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 is 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 that 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 (non-advice) 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, 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.
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 adheres to a confidentiality policy which requires us to treat all information about you in the
strictest confidence.

SCDD (non-advice) July 2023