My Personal Finances Limited is an appointed representative of Accord Consultancy Limited which is authorised and regulated by the Financial Services Authority.

As a dedicated online, web based firm of independent financial advisers, we offer products and services from the whole of the financial services market.

We do not charge any fees for providing independent financial advice. We will tell you about the amount of commission payable to us on any transaction but if you prefer we will give you the option to pay on a fee only basis.

We provide independent financial advice on: life assurance, pensions, investments, unit trusts, PEPs, ISAs and readily realisable securities.

Our permitted business activities also include: advising on and, arranging mortgages together with arranging non-investment insurance contracts.

You can check our authorisation and permitted business activities by visiting the FSA’s website: www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234. Our FSA registered number is 231031.

As an authorised firm we are also covered by the Financial Services Compensation Scheme. Further information about compensation arrangements can be obtained from the FSCS.

Data Protection
The personal information provided by you will be held securely and in confidence by us in our computerised and manual records. Occasionally, we may contact you by letter, telephone, e-mail or otherwise to inform you about other products and services which may be of interest to you. However, should you wish to exercise your right to opt out of such 'direct marketing' activity, please let us know by any means convenient for you. However, please remember that 'opting out' will stop us contacting you about any products or services which may benefit you. Under the data protection act you have the right at any time to know the personal data we are holding about you.

Money Laundering
Under the Financial Services and Markets Act 2000 it is a legal requirement that we check the identity and residency of a client who we are conducting business with. No transactions will be made until such verification has been obtained. Typically verification will require sight of your passport or photographic driving licence plus a utility bill or bank statement.

Complaints
If you have any reason to complain about the services provided under this website please addess your comments to Lee Clifford the managing director of My Personal Finances Limited. A copy of our complaints proceedures is available on request.

Registered Office
My Personal Finances Limited
Catchpell House
Carpet Lane
Edinburgh
EH6 6SP

Help & advice
There are many different forms of financial advice in the UK and it makes sense to take advice from an independent financial adviser who can offer you products and services from the whole of the market place. Please call one of our advisers to discuss your requirements or contact us to request more information on the benefits of taking independent financial advice.