Terms of Service

1. About These Terms

These Terms of Service ("Terms") govern your use of the website roam-fap.com and the financial advisory services provided by ROAM Financial Advisory Partners ("we," "our," or "us"). By accessing our website or engaging our services, you agree to be bound by these Terms.

ROAM Financial Advisory Partners is authorized and regulated by the Financial Conduct Authority (FCA). Our FCA registration details can be verified on the FCA register at www.fca.org.uk/register.

2. Our Services

2.1 Financial Advisory Services

We provide independent financial advice on:

• Investment management and portfolio construction
• Pension planning and retirement strategies
• Insurance and protection planning
• Mortgage and remortgage advice
• Tax planning and wealth management
• Estate planning and inheritance strategies

2.2 Website Services

Our website provides information about our services, educational content, and contact facilities. The website is for informational purposes and does not constitute financial advice.

3. Client Relationship

3.1 Advice Process

Our advisory relationship typically involves:

• Initial consultation to understand your needs
• Fact-finding and suitability assessment
• Research and recommendation preparation
• Presentation of advice and recommendations
• Implementation of agreed strategies
• Ongoing review and monitoring (where applicable)

3.2 Client Obligations

As our client, you agree to:

• Provide complete and accurate information
• Disclose all relevant financial circumstances
• Inform us of any material changes to your situation
• Review all documentation carefully before signing
• Pay fees and charges as agreed

4. Fees and Charges

4.1 Fee Structure

Our fees are clearly disclosed before providing advice and may include:

• Initial consultation fees
• Advice and recommendation fees
• Implementation fees
• Ongoing service fees
• Product provider commission (where applicable)

4.2 Payment Terms

Fees are payable as agreed in our client agreement. We reserve the right to charge interest on overdue amounts and recover collection costs.

5. Limitations and Disclaimers

5.1 Investment Risk

All investments carry risk, and past performance is not indicative of future results. The value of investments can fall as well as rise, and you may not recover the full amount invested.

5.2 No Guarantees

We cannot guarantee the performance of any investment or the outcome of any financial strategy. Our advice is based on information available at the time and our professional judgment.

5.3 Third-Party Products

We are not responsible for the performance or solvency of product providers, though we select providers based on our due diligence processes.

6. Website Terms

6.1 Acceptable Use

You may use our website for lawful purposes only. You must not:

• Use the site in any way that breaches applicable laws
• Transmit any harmful or malicious code
• Attempt to gain unauthorized access to our systems
• Copy or redistribute our content without permission

6.2 Intellectual Property

All content on our website is protected by copyright and other intellectual property rights. You may view and print content for personal use but may not reproduce or distribute it commercially.

7. Data Protection

We process your personal data in accordance with our Privacy Policy and applicable data protection laws. By using our services, you consent to such processing as described in our Privacy Policy.

8. Complaints Procedure

If you are unhappy with our service:

1. Contact us directly to discuss your concerns
2. We will investigate and respond within 8 weeks
3. If unsatisfied, you may refer the matter to the Financial Ombudsman Service

Details of our full complaints procedure are available on request.

9. Regulatory Protection

9.1 Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation if we cannot meet our obligations. Details are available at www.fscs.org.uk.

9.2 Professional Indemnity Insurance

We maintain professional indemnity insurance as required by FCA regulations.

10. Termination

10.1 Client Termination

You may terminate our services at any time by giving written notice. Fees for work completed will remain payable.

10.2 Our Right to Terminate

We may terminate our services with reasonable notice or immediately if:

• You breach these terms
• You fail to pay agreed fees
• We cannot verify your identity
• Continuing the relationship would breach regulations

11. Limitation of Liability

Our liability is limited as follows:

• We exclude liability for indirect or consequential losses
• Our total liability is limited to the amount covered by our professional indemnity insurance
• Nothing excludes our liability for fraud, death, or personal injury caused by negligence

12. General Provisions

12.1 Governing Law

These Terms are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of English courts.

12.2 Changes to Terms

We may update these Terms periodically. Continued use of our services after changes indicates acceptance of the new terms.

12.3 Contact Information

For questions about these Terms, contact us: