Regulatory Statement
Authorised and regulated by the Financial Conduct Authority. Norfolk & Suffolk Financial Services Ltd is entered on the Financial Services Register https://register.fca.org.uk/ under reference 115187.
The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.
Complaints
If you wish to register a complaint, please write to us at Norfolk & Suffolk Financial Services Limited, 3 Quay View Business Park, Barnards Way, Lowestoft, NR32 2HD or contact us by telephone on 01502 501922.
A summary of our internal complaints handling procedures for the reasonable and prompt handing of complaints is available on request and if you cannot settle your complaint with us, you mat be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4567.
General Information and Risks
The information on this website is not advice, it is provided solely to help you to consider your own investment choices. The investments and/or investment services referred to may not be suitable for all investors. If you are unsure of the suitability of any investment, you should contact us for advice.
Unlike cash, stock market based investments are not guaranteed and fall in value as well as rise, we therefore believe you should only invest for the long term (5+ years). Ultimately you could get back less than you invest. Any yields will vary over time so income is variable and not guaranteed.
If you invest in individual shares listed on the stock market please be aware shares can be delisted at any time, sometimes with no prior warning. If this occurs it may be difficult and costly, or even impossible, to sell your shares. You could lose the entire value of your investment.
Cancellation rights may not be available. The investments featured do not provide capital guarantees like a deposit account and are not always readily accessible.
Past performance should not be seen as an indication of future performance.
Exchange rate fluctuations may have an adverse effect on the value of non-UK investments.
Tax rules referred to are those that currently apply unless otherwise stated, they can change over time and any benefit to you will depend on your circumstances. Within ISAs and SIPPs, all gains are free of capital gains tax and income is free of UK income tax. In addition to any initial charge quoted there may be a bid/offer spread or dilution levy.
The FCA does not regulate any prize draw.
Some investments (e.g. some AIM stocks) are less readily realisable than others and it may therefore be difficult to deal in or obtain reliable information about their value.
Before you decide to transfer an ISA, pension or unit trust please ensure you understand how the transfer will be made. Most groups will allow you to transfer as stock but not all stocks can be held on every investment platform. When transferring as stock you will typically be unable to sell your holdings during the process, for example if you wish to protect yourself from falls or realise gains. If you choose to transfer as cash remember you will be out of the market for a period. This may work in your favour if the market falls but if it rises you will not benefit from any growth while you hold cash. A few groups levy exit fees, please contact us for more details.
The value of investments can go down in value as well as up, so you could get back less than you invest. This website does not provide personal advice based on your circumstances. If you are unsure of how suitable an investment is for you, please seek personal advice from us by arranging a free, no-obligation initial meeting.