Terms of Use

Published / Last Updated on 08/05/2017

About Us

Roberts Clark Independent Financial Solutions Limited is an Independent Intermediary and is authorised and regulated by the Financial Conduct Authority to give such advice and is bound by their rules.  Our Financial Conduct Authority firm reference number is 192598.  Certain products are not regulated by the Financial Conduct Authority.  Where this is the case we will tell you.  

Our permitted business includes advising on, making arrangements in and arranging (bringing about) savings, investments, non-investment insurance contracts, regulated mortgage contracts (including lifetime mortgages and home reversion plans known as equity release) and pensions, including the specialist activities of pension transfers and pension opt outs.  You can check this and all of our permitted business on the Financial Conduct Authority Register by visiting https://register.fca.org.uk or by contacting the Financial Conduct Authority on 0800 111 6768.  Their address is 25 The North Colonnade, Canary Wharf, London, E14 5HS.  

Roberts Clark IFS Limited is a limited company registered in England.  Our registered number is 3981121 and registered office address is 1 Stret Constantine, Newquay, Cornwall, TR7 1GH.  Our VAT number is GB 748 2866 87.  

FinancialAdvice.net and Associated Sites

FinancialAdvice.net and associated sites (“the sites”) are trading styles of Roberts Clark IFS Limited (“we” and “us”).  

Access and use of the sites is subject to the following terms of use and the other associated documents detailed on this page.  

By accessing the sites you signify your acceptance of these terms of use and the other associated documents.  

You must not use the sites if you do not accept the terms of use and other associated documents.  

If you do use the sites, your conduct indicates that you agree to be bound by the terms of use and associated documents.  

We recommend you save or print a copy of these terms of use and other associated documents for your records.  

The associated documents that form part of this terms of use are:

These terms of use replace all previous terms of use for the sites.  

We may change or withdraw any part of the sites (including these terms of use) at any time, with or without prior notice.  You should check the date the terms of use were last updated regularly.

Important Information and Disclaimers

FinancialAdvice.net and associated sites do not give financial, investment or tax advice.  They are designed for general information use only and do not attempt to give you specific advice that relates to your personal circumstances.  If you require specific advice, you should contact us.  All financial, investment and tax advice is given by Roberts Clark IFS Limited.

The information, services, systems, videos, articles, mention of financial products and data published on FinancialAdvice.net and associated sites are intended for general information only and should not be construed as advice as defined by the Financial Services and Markets Act 2000.  You are strongly advised to take appropriate independent financial and legal advice before entering into any binding contracts.

Any arrangement made between you and any third party mentioned on the sites is done at your sole risk and responsibility.

Legal Governance

Use of the sites shall be subject exclusively to the laws of England.

The Court of England shall have exclusive jurisdiction over all claims or disputes arising in relation to, out of or in connection with the sites, its use, these terms and other associated documents.  Where regulatory authorities have jurisdiction over the contents of the sites, we have attempted to ensure compliance with the requirements of such regulatory body.  However, some of the information in the pages contained in this site is not to be accessed from certain jurisdictions and no representation or warranty is made as to whether the information available in this web site complies with the regulatory regime of countries from which the pages in this web site should not be accessed.

Intellectual Property, Copyright and Trade Marks

The intellectual property rights and copyright in the pages of the sites, in the screen displaying the pages and in the information, texts, graphics, design and material contained therein and the arrangement is owned by Roberts Clark IFS Limited, unless otherwise stated.

All rights are reserved.  The rights in FinancialAdvice.net and associated sites are owned by Roberts Clark IFS Limited.

You must not modify materials you have printed or downloaded from the sites, unless expressly stated.

Use of the Sites Within the United Kingdom

You may use the sites for your own private and non-professional use, except where expressly stated.  You may not use, and you must ensure that no other person uses the information supplied on the sites to you for re-sale, redistribution, retransmission or for any other commercial use, except where expressly stated.  If you take a copy or set up a direct feed of any of the pages of the sites you must be aware that all of the terms of use and other associated documents will continue to apply.

Where industry professionals purchase products and services from FinancialAdvice.net, they must not be resold, redistributed, passed off as their own work unless expressly stated or used for any other commercial use other than for what they are intended.

You may print or download to disk the contents of an individual page of the sites for the purpose of private and personal non-commercial use, unless expressly stated.  You may also permit your computer to make an electronically stored, transient copy of the content in the sites for the purpose of viewing it while connected to the internet only.  However, you may only make one copy of any content.

Use of the Sites Outside the United Kingdom

We do not make any warranties, express or implied that the services or availability of the sites in any particular jurisdiction outside the UK is in compliance with any applicable laws or regulations.  Accordingly, if it is prohibited to make the sites or any part available in your jurisdiction or to you (by reason of nationality, residence or otherwise) such sites or any part are not directed at you.

You accept that if you are resident outside the UK, you must satisfy yourself that you are lawfully able to receive the sites and, in particular, any information which allows you to apply for any products through the sites in the country in which you are accessing the sites.  We do not accept liability for any costs, losses or damages resulting from or related to the availability or content of the sites to persons in jurisdictions outside the UK or to persons who are, or who are nominees of or trustees for, citizens, residents or nationals of other countries.

Your Obligations When Using the Sites

You are responsible for making any and all arrangements necessary for you to access the sites.  You are also responsible for ensuring that anyone accessing the sites via your internet connection is aware of this terms of use and other associated documents and that they comply with them.

You may not restrict or inhibit any other user from using and enjoying the sites or post or transmit any untrue, unlawful, fraudulent, libellous, defamatory, obscene, pornographic, profane, threatening, abusive, hateful, offensive, or otherwise objectionable information of any kind, including but not limited to any transmissions constituting or encouraging conduct that would constitute a criminal offence, give rise to civil liability, or otherwise violate any law, rules, regulations or market conventions (including, without limit, financial services regulations), any information which is in breach of any persons rights (including without limit, copyright and confidentiality), any information or software which contains viruses, cancelbots, logic bombs, trojans, worms or is otherwise harmful.

You may not post or transmit any advertisements, solicitations, chain letters, pyramid schemes, investment opportunities or schemes or other unsolicited commercial messages or engage in spamming or flooding; or upload, post, publish, transmit, reproduce, or distribute in any way, information, software or other material obtained through the sites without our prior written permission.

We reserve the right to remove any such information from the services without warning and to inform and give assistance to the relevant bodies in respect of any transgressions.

We accept no responsibility for and give no warranties in connection with any information posted on the sites by users.  We recommend that you do not rely on such information.  Any information posted on the sites by users has not been issued or approved by us.

By posting information or comments on the sites or making available to other users any information you hereby grant us a worldwide non-exclusive licence to use, copy, distribute, publish and transmit such information in any manner we wish (including without limit, archiving and making available such information as part of the sites).

You may not distribute, display or copy any of the contents of the pages contained in the sites to third parties including, but not limited to 'caching' any material on this web site for access by third parties and 'mirroring' any material on this web site.

Available Information, Products and Providers

Product and provider listings shown on the sites may not include all products, providers and services generally available on the open market.  This is not because they have been excluded but generally because they are unable or unwilling to provide electronic or compatible product and service documentation for FinancialAdvice.net.

You should be aware that some products may be available at a lower or higher cost than quoted on the sites, for example where a particular intermediary has negotiated special terms with a product provider.

If you intend to act on any information supplied by the sites you should confirm the details of the product (including charges, key features and taxation) with the product provider, your financial adviser or us.  We recommend that you seek independent financial advice if you are in any doubt as to the suitability of the product or service that you are intending to purchase.

Suitability of Products and Services

The products and services mentioned on the sites may not be suitable for you.  If you have any doubts you should contact an independent financial adviser.  In particular some of the investments mentioned may not be regulated under the Financial Services and Markets Act 2000 or at all and the protection provided to you under this Act will not apply.

The material on the sites does not constitute advice and you should not rely on any material in the sites to make (or refrain from making) any decision or take (or refrain from taking) any action.

Risk Warnings

For your information and protection, please take note of the following risk warnings.  Not all will be relevant to individual contracts or policies:

For investments you make (including regular and lump sum payments)

  • Past performance should not be taken as an indication of future performance.
  • You are not certain to make a profit and you may lose money.
  • If you cash in your investment you may not get back the full amount of your investment.
  • Where you opt to receive income from an investment that is not contractually fixed at a certain rate, that income could go up or down.
  • Where you have investments with contingent liabilities you could lose all the money you invested and you may have to pay more later.
  • If your investment contains higher volatility (higher risk) funds, then your investment may be subject to sudden and large falls in value and you could get back nothing at all.
  • If your investment contains property funds, then it could invest in physical property and land.  This can be difficult to sell so you may not be able to sell or cash in this investment when you want to.  The provider may have to delay acting on your instructions to sell your investment or the holdings in the property fund.  This could be up to and in excess of 12 months.
  • The value of property is generally a matter of a valuer’s opinion, rather than fact.
  • If your investment is known as one not readily realisable then you may have difficulty selling the investment at a reasonable price and in some circumstances it may be difficult to sell at any price.  You should not invest in these types of investment unless you have carefully thought about whether you can afford it and whether it is right for you. 
  • If your investment has charges at the start of the investment, then if you cash it in or surrender it in the early years you may get back less than you invested.  There could be a surrender penalty for cashing in any investment within the first five years (or more).
  • If your investment contains with profits funds, then the value of the policy will depend on how much profit the provider makes and how they decide to distribute that profit.  In times of poor stock market conditions, the product provider could impose a Market Value Reduction (also known as a Market Value Adjustment) to the value of your investment, meaning a lower cash in value than its face value.  This is to ensure you only receive your fair value from the fund.
  • If your investment is exposed to foreign currencies, then the rates of exchange between currencies may cause your investment or any income from it to rise or fall.

For Life Insurance Policies

  • You should make sure you understand which benefits of the policy are fixed and which benefits of the policy are not fixed.  Make sure the policy does what you need it to and that you are eligible to make a claim.

For Income Drawdown and Short Term / Investment Linked Annuities

  • The value of your fund may be eroded, especially if investment returns are poor and a high level of income is taken.  This could result in a lower income in the future. 
  • The investment returns may be less than those shown in the illustrations.
  • Annuity or scheme pension rates may be at a worse level in the future.
  • When maximum withdrawals are taken or the maximum short term annuity is purchased, high levels of income may not be sustainable.


  • You should be aware that levels, bases and reliefs of taxation can change and you should seek advice regarding your personal taxation circumstances in respect of any financial contract or policy.

Our Services

Whilst we use all reasonable endeavours to keep the sites up to date, there may be a period of time between legislative changes, a product provider changing rates, altering product features, withdrawing or launching new products and the time we are notified of such a change and are able make necessary changes to the said websites.  This is particularly the case when base rates change or other major financial events occur.  We cannot be held responsible for any such delays.

We reserve the right to change the content, presentation, performance, user facilities and availability of any part of the sites at our sole discretion.  It is your responsibility to refer to the changes.  They will come into effect immediately on posting.

Exclusion of Liability

The sites are provided 'as is'.  All warranties whether express or implied under law including without limitation any warranty for the information, data, services, interrupted use, errors, omissions, delays, termination of service, loss of data for any reason, fitness of purpose, infringement of third party property rights are hereby expressly excluded with the sole exception that no exclusion of liability is claimed of death or personal injury as a result of negligence by us.

All reasonable endeavours have been taken to ensure that the information published on the sites is accurate.  However, we do not warrant that the information is accurate or complete.  You are advised to discuss your specific requirements with an independent financial or legal professional.

You accept that we shall not be liable in any event for any direct, indirect or consequential loss or damages arising from use of the sites.

You irrevocably indemnify us from and against any and all losses, damages and costs suffered or incurred of whatsoever nature arising out of or in connection with your use, provision or distribution of information or any part of the sites or any part or otherwise howsoever arising in relation to any breach of this agreement by you.  This indemnity shall not apply to any loss or liability to the extent that it arises or results from any contravention of the Financial Conduct Authority rules or Financial Services and Markets Act 2000.

Although carefully verified, data computations are not guaranteed by us and may not be complete.

We do not make any warranties expressed or implied as to the accuracy, adequacy, quality or fitness for any particular purpose of the information or the sites for a particular purpose or use and all such warranties are expressly excluded to the fullest extent that such warranties may be excluded by law.  You bear all risks from any uses or results of using any information.  You are responsible for validating the integrity of any information received over the internet.

You agree not to hold us liable for loss caused directly or indirectly by any exchange or market ruling, government restriction or any “force majeure”.  This includes but is not restricted to floods, fires, abnormal weather conditions, earthquakes or other “acts of god”, wars and riots, power and equipment failures or any other cause beyond our reasonable control.

Third Party Exclusion of Liability

You acknowledge and agree that certain information within the sites is provided by third parties and that we have no control over the accuracy or completeness of such third party data.  

You acknowledge and agree that we take no responsibility for the accuracy or availability of information provided by third party sites.  Links to third party external web sites do not constitute an endorsement or recommendation by us of such sites or the content, products, advertising or other materials presented on such third party sites.

The third party links on FinancialAdvice.net may take you to other sites where trading is possible.  You acknowledge and agree that we shall not be responsible or liable with regard to any advice or trading which may be conducted on such third party sites.  The information and services offered within these sites has been produced by companies independent of us who may not be regulated to conduct investment business.  We therefore take no responsibility for and give no warranties, guarantees or representations in respect of third parties and linked sites.

Linking to the Sites

We allow you to link to the home page of the sites, provided you do it legally and fairly and in such a way that does not imply we have any association with you, unless an association exists.  Linking to the sites must not imply you have received approval or endorsement from us where none exists.  Links to the sites must be from websites owned by you.  We reserve the right to remove our permission to link to the sites without notice.

If you wish to link to the sites in any way other than mentioned above, please contact us for permission.

Anti Money Laundering

We have certain responsibilities under Money Laundering Regulations to verify the identity and address of clients and may need to make certain enquiries and obtain certain information from you for that purpose.  You confirm that all information you supply will be accurate and that we may pass on such information, as we consider necessary to comply with any legal or regulatory reporting obligations we have.

You agree that we may disclose to the Financial Conduct Authority and to any other regulatory authority to which we are subject and to any person empowered to require such information by or under any legal enactment, any information they may request or require relating to you or, if relevant, any of your clients.


If you have any complaint about our performance under this agreement you should direct that complaint to the Compliance Officer of us who will investigate the nature of your complaint and try to resolve it.  In respect of regulated activities as detailed in the Financial Services and Markets Act 2000, if you are not satisfied with the outcome of our investigation, you will have the right to refer your complaint to the Financial Ombudsman Service if it is within their terms of reference and jurisdiction.  A copy of our complaints handling procedures is available on request.

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