Terms and Conditions

1. Introduction and Acceptance

These Terms and Conditions ("Terms") govern your use of services provided by CPA HOLDINGS LTD ("Company", "we", "us", or "our"), a company registered in England and Wales under company number 13850958, with its registered office at 204 Dover House Road, London, England, SW15 5AH.

By using our services or website, you ("Client", "you", or "your") agree to be bound by these Terms. If you do not agree to these Terms, you should not use our services.

2. About CPA HOLDINGS LTD

2.1 Authorization and Regulation

CPA HOLDINGS LTD is authorized and regulated by the Financial Conduct Authority (FCA). We are entered on the FCA register and our regulatory status can be verified on the FCA website at www.fca.org.uk/register.

2.2 Services

We provide open-ended investment company services including:

• Fund management and administration
• Investment advisory services
• Portfolio management
• Financial planning and consultation

3. Client Agreement and Onboarding

3.1 Client Classification

We will classify you as a Retail Client, Professional Client, or Eligible Counterparty in accordance with FCA rules. This classification affects the level of protection you receive.

3.2 Know Your Customer (KYC)

Before providing services, we must:

• Verify your identity and address
• Assess your investment knowledge and experience
• Understand your financial situation and investment objectives
• Determine your risk tolerance
• Conduct anti-money laundering checks

3.3 Suitability Assessment

We will only recommend investments that are suitable for your circumstances, objectives, and risk tolerance. You must inform us promptly of any changes that may affect this assessment.

4. Investment Services

4.1 Investment Management

When providing discretionary investment management:

• We will manage your portfolio according to agreed investment objectives
• We may buy, sell, or hold investments without prior consultation
• All transactions will be executed in your best interests
• We will provide regular portfolio reviews and reporting

4.2 Investment Advisory

When providing investment advice:

• Recommendations will be based on suitability assessments
• You retain final decision-making authority
• We will explain the risks and benefits of recommendations
• You are responsible for implementation decisions

5. Fees and Charges

5.1 Management Fees

Management fees are calculated as a percentage of assets under management and are:

• Clearly disclosed in your client agreement
• Deducted from your portfolio on a quarterly basis
• Subject to applicable VAT
• Reviewed annually and may be adjusted with notice

5.2 Transaction Costs

Transaction costs may include:

• Brokerage commissions
• Stamp duty and other taxes
• Currency conversion costs
• Custodian charges

6. Risk Warnings and Disclaimers

6.1 Investment Risks

6.2 Specific Risks

Investment risks include but are not limited to:

• Market Risk: Changes in market conditions affecting investment values
• Credit Risk: Possibility of issuer default on bonds or other securities
• Liquidity Risk: Difficulty in buying or selling investments quickly
• Currency Risk: Exchange rate fluctuations affecting international investments
• Inflation Risk: Erosion of purchasing power over time
• Concentration Risk: Over-exposure to particular sectors or regions

7. Client Responsibilities

7.1 Information Provision

You must:

• Provide accurate and complete information
• Inform us promptly of any material changes
• Update your contact details and circumstances
• Respond to our requests for information

7.2 Review and Understanding

You should:

• Read and understand all documentation provided
• Ask questions if anything is unclear
• Review statements and reports promptly
• Report any discrepancies immediately

8. Complaints Procedure

8.1 Internal Complaints

If you have a complaint:

1. Contact us in writing at [email protected]
2. We will acknowledge your complaint within 3 business days
3. We will investigate and respond within 8 weeks
4. We will provide a final response or explanation of any delay

8.2 Financial Ombudsman Service

If you are not satisfied with our response, you may refer your complaint to the Financial Ombudsman Service:

Financial Ombudsman Service
Exchange Tower
London E14 9SR
Tel: 0800 023 4567
Website: www.financial-ombudsman.org.uk

9. Compensation Scheme

We participate in the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation if we cannot meet our obligations. The level of compensation depends on the type of business and circumstances of the claim.

For investment business, eligible claimants may receive compensation up to £85,000. More information is available at www.fscs.org.uk.

10. Termination

10.1 Termination by Client

You may terminate our services by giving 30 days' written notice. Upon termination:

• We will execute your instructions for asset transfer or liquidation
• Outstanding fees and costs will be deducted
• We will provide final statements and documentation
• We may retain records as required by law

10.2 Termination by Company

We may terminate services immediately if:

• You breach these Terms
• You fail to pay fees or charges
• We cannot verify your identity
• Continuation would breach regulatory requirements

11. General Provisions

11.1 Governing Law

These Terms are governed by English law and subject to the jurisdiction of English courts.

11.2 Amendments

We may amend these Terms by giving you reasonable notice. Continued use of our services constitutes acceptance of amended Terms.

11.3 Contact Information

For questions about these Terms or our services: