Regulatory information

For legal information see our Legal information page.

Other service provider information

Customer protections

Investment product risk factors

 

[Anchor: Otherprovider] Other service provider information

[Anchor: Interactive] Interactive Investor, a trading name of Interactive Investor Trading Limited

The CAF Investment Account is offered to you by CAF Financial Solutions Limited (CFSL) and is operated and supplied by Interactive Investor Trading Limited (Interactive Investor). Interactive Investor Trading Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: Standon House, 21 Mansell Street, London E1 8AA. 


[Anchor: BMO]
BMO Global Asset Management, a trading name of F & C Fund Management Limited

The funds within the CAF Socially Responsible Portfolio are included in the range of sub-funds offered through F&C Investment Funds ICVC II and F&C Responsible Investment Funds ICVC. Applications may only be made on the basis of the current KIID and prospectus.

The Authorised Corporate Director of the ICVCs is F&C Fund Management Limited authorised and regulated by the Financial Conduct Authority FRN: 119230. Registered in England and Wales, No. 02170242. Registered address and Head Office: Exchange House, Primrose Street, London EC2A 2NY, United Kingdom.

[Anchor: Octopus] Octopus Investments Limited

Octopus Investments Ltd., 20 Old Bailey, London, EC4M 7AN. Company registration number 3942880 – registered in England and Wales. Octopus Investments Ltd. is authorised and regulated by the Financial Conduct Authority (FRN 194779).

Octopus Investments is the fund manager for certain of the funds and investment products available through the CAF Managed Portfolio Service and CAF Direct Investment Service and for day to day portfolio management of the CAF Managed Portfolio Service.

Octopus Investments Ltd is authorised to advise on and manage investments. Octopus Investments is responsible for the provision of the CAF Managed Portfolio Service and the CAF Direct Investment Service. Under the CAF Managed Portfolio Service, Octopus Investments will provide authorised investment advice to charities and other customers of CAF.

[Anchor: FundPartners] Fund Partners Limited

Fund Partners Limited (formerly IFDS Managers Limited) is the Authorised Corporate Director (ACD) of the FP CAF Investment Fund and is authorised and regulated by the Financial Conduct Authority. FRN 469278. Registered Office: Cedar House, 3 Cedar Park, Cobham Road, Wimborne, Dorset BH21 7SB.

[Anchor: LegalGeneral] Legal & General (Unit Trust Managers) Limited

The CAF UK Equitrack Fund is managed by Legal & General (Unit Trust Managers) Limited (Company Number 1009418) which together with Legal & General Investment Management Limited (Company Number 2091894) have their registered office at One Coleman Street, London, EC2R 5AA and are both authorised and regulated by the Financial Conduct Authority.

Investors are reminded that this is a Common Investment Fund and therefore investments are not covered by the Financial Services Compensation Scheme.

[Anchor: ScottishWidows] Scottish Widows Bank plc

The CAF 90 Day Notice Account and CAF 1 Year Fixed Term Deposit Account are provided by Scottish Widows Bank plc. Registered Office: PO Box 12757, 67 Morrison Street, Edinburgh EH3 8YJ. Registered in Scotland no. 154554. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 201601.

The main business of Scottish Widows Bank is arranging, entering into and administering mortgages and accepting deposits.

[Anchor: shawbrook] Shawbrook Bank Limited

Shawbrook Bank Limited Registered office Lutea House, Warley Hill Business Park, The Drive, Great Warley, Brentwood, Essex CM13 3BE. Registered in England – Company Number 388466. Shawbrook Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

[Anchor: customerprots] Customer protections

[Anchor: fos] Financial Ombudsman Service

The Financial Ombudsman Service has been set up by law to provide consumers with a free, independent service for resolving disputes with financial firms.

However the Financial Ombudsman Service (FOS) cannot deal with your case unless you have given CAF Bank or CFSL the chance to put things right. Under normal circumstances, firms regulated by The Financial Conduct Authority (FCA) have up to 56 days to deal with your complaint. You will usually then need to take your complaint to the Financial Ombudsman Service no later than six months from the date on the letter giving you the final response.

The Financial Ombudsman Service can be contacted on 0845 080 1800, via email or in writing at:

The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR

[Anchor: fscs] Financial Services Compensation Scheme - depositors

Your eligible deposits with CAF Bank are protected up to a total of £75,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. Any deposits you hold above the limit are unlikely to be covered.

For more information on the scheme, view the FSCS leaflet or visit the FSCS website at www.fscs.org.uk.

FSCS logo


[Anchor: fscsinvestors] Financial Services Compensation Scheme - investors

Investors in the CAF investment funds may be protected by the Financial Services Compensation Scheme (FSCS) established under the Financial Services and Markets Act 2000. The FSCS can pay compensation to investors of a firm if it is unable to meet its financial obligations.

For further information about the scheme, including the amounts covered and the eligibility to claim, please refer to the FSCS website or contact the FSCS on 0207 741 4100 or in writing at:

Financial Services Compensation Scheme
10th Floor
Beaufort House, 15 St Botolph Street
London EC3A 7QU

[Anchor: fraud] Fraud Prevention

Where necessary we will share your information with credit reference and fraud prevention agencies. Those agencies will maintain a record of our search and those records may be used by insurers and other organisations in carrying out their own checks for the purposes of their business.

  • If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies.
  • Law enforcement agencies may access and use this information.
  • We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:
  • Checking details on applications for credit and credit related or other facilities
  • Managing credit and credit related accounts or facilities
  • Recovering debt
  • Checking details on proposals and claims for all types of insurance
  • Checking details of job applicants and employees

Please contact us if you want to receive details of the relevant fraud prevention agencies.

We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

Where we share your information in this way as part of our normal administrative requirements for assessing any application from you for an Account or service, this should not affect your credit rating, scoring or standing.

 

[Anchor: recording] Recording of telephone communications

Telephone calls may be monitored and recorded for security/training purposes by CAF, any of its subsidiaries and any of the service providers listed above.

[Anchor: risk] Investment product risk factors

Neither CAF nor any of its subsidiaries is authorised to provide financial advice.  When considering whether to invest in any of the funds available through CFSL, customers should seek their own independent financial advice from an appropriately authorised adviser.

Important

Customers should consider all the following risk factors prior to investing:

  • the market value of investments may fall as well as rise. You may not get back the full amount that you originally invested
  • there is no guarantee about the level of capital gains or income that will be generated
  • there is no assurance that the investment objectives of the funds will be met
  • past performance is not a guide to future performance
  • inflation will occur over the duration of your investment and if the returns on your investment are lower than the rate of inflation this will reduce what you could buy in the future
  • investments in the funds should be considered a medium to long term investment e.g. at least 3 to 5 years
  • the tax treatment of charitable organisations who invest in these funds may be subject to change in the future. Treatment depends on the circumstances of each client.

 

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