T&Cs
1. Introduction
We help individuals and families understand their financial picture, set long term goals, and build strategies to reach them. This may include pensions, investments, retirement planning, protection, and general wealth management advice.
2. Scope of Services
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We provide financial planning, investment guidance, wealth-management strategy, and related advisory services as agreed in writing.
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The details, deliverables, and fees of the Services will be outlined in your Client Agreement and/or Proposal.
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We do not provide legal, accounting, or tax advice unless explicitly stated.
3. Client Responsibilities
You agree to:
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Provide full, accurate, and timely information necessary for us to deliver the Services.
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Inform us of any changes in your financial circumstances that may impact our advice.
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Review all documentation provided and raise any concerns promptly.
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Make your own decisions based on the advice provided. You retain responsibility for all financial decisions.
4. Fees and Payment
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Fees for Services will be outlined in your Proposal or Client Agreement.
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Fees may include fixed fees, ongoing fees, percentage-based fees, or hourly rates.
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Payment terms are [e.g., 14 days] from invoice date unless agreed otherwise.
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Late payments may incur interest at [insert rate].
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We reserve the right to suspend Services if payments are overdue.
5. Investment Risk and Disclaimer
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All investments involve risk. The value of investments can go down as well as up.
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Past performance is not a reliable indicator of future performance.
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We will provide advice based on the information available, but we do not guarantee outcomes or financial results.
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You acknowledge that you are responsible for your own investment decisions.
6. Regulatory Compliance
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We operate in accordance with applicable UK financial regulations and the requirements of the Financial Conduct Authority (FCA).
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Your Client Agreement will confirm our regulatory status, permissions, and scope of authorisation.
7. Conflicts of Interest
We help individuals and families understand their financial picture, set long term goals, and build strategies to reach them. This may include pensions, investments, retirement planning, protection, and general wealth management advice.
8. Confidentiality
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We treat all client information as confidential and will not disclose it except:
With your consent
When required by law or regulation
When necessary to fulfil the Services (e.g., to partners or providers) -
We process your data in accordance with our Privacy Policy and GDPR.
9. Data Protection (GDPR)
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We process personal data lawfully, fairly, and transparently.
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You have the right to access, correct, or request deletion of your data.
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Full details are available in our Data Protection Policy.
10. Limitation of Liability
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We will provide Services with reasonable skill and care.
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We are not liable for:
Losses arising from inaccurate or incomplete information provided by you
Events outside our reasonable control
Market losses or investment underperformance -
Our liability is limited to the amount paid by you for the Services in the 12 months preceding the claim, unless prohibited by law.
11. Termination
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Either party may terminate the agreement by giving [e.g., 30 days] written notice.
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Fees for work completed up to the termination date remain payable.
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We may terminate immediately if you breach material terms of this agreement.
12. Intellectual Property
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All materials, documents, reports, and digital content created by us remain our intellectual property unless expressly assigned to you in writing.
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You receive a licence to use such materials solely for your personal financial planning.
13. Third-Party Providers
We may recommend or introduce you to third-party financial institutions, platforms, or products. We are not responsible for their actions, services, or performance.
14. Complaints
If you are unhappy with our Services, you can submit a complaint in writing to:
Nabil@onixwealth.com
You may also escalate complaints to the Financial Ombudsman Service if applicable.
15. Governing Law
These Terms and any related agreement are governed by the laws of England and Wales. Any disputes will be resolved in the courts of England and Wales.
Onix Wealth is a trading name of Onyx Synergy Limited which is an Appointed Representative of ValidPath Limited which is authorised and regulated by the Financial Conduct Authority, Firm Reference Number 197107.
Onyx Synergy Limited is registered in England and Wales, company number 12219635. Registered address: Thorneloe House, 25 Barbourne Road, Worcester, Worcestershire, WR1 1RU
The information and guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
This website is for information purposes and does not constitute financial advice, which should be based on your individual circumstances
© 2035 by Onix Wealth.. Designed by Studio Onya
