Welcome to the Charities Aid Foundation

We help donors to give more impactfully and charities to build their resilience so they can do more of their life-changing work.

Personal giving From one-off donations to long-term giving, or designing your personal philanthropic strategy, we work together to help you realise your giving ambitions. Corporate giving You have the vision for making a difference. So do we. We help you plan how to give based on your goals. Services for charities Helping your charity or social enterprise become more resilient. Insights Discover the latest insights for donors and charitable organisations to help create a greater impact About us We are a leading charity, working at the centre of the giving world. We help donors to give more impactfully and charities to build their resilience so they can do more of their life-changing work. Donate  
 
 
 

Personal giving

From one-off donations to long-term giving, or designing your personal philanthropic strategy, we work together to help you realise your giving ambitions.

DISCOVER OUR PERSONAL GIVING SOLUTIONS

Corporate giving

You have the vision for making a difference. So do we. We help you plan how to give based on your goals.

DISCOVER OUR CORPORATE GIVING SOLUTIONS

Services for charities

Helping your charity or social enterprise become more resilient.

DISCOVER HOW WE SUPPORT CHARITIES

Insights

Discover the latest insights for donors and charitable organisations to help create a greater impact

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About us

We are a leading charity, working at the centre of the giving world. We help donors to give more impactfully and charities to build their resilience so they can do more of their life-changing work.

Find out more about CAF
Home About us Governance and policies Legal and regulatory information

Legal and regulatory information

Company and subsidiary information

Charities Aid Foundation (CAF) 

Charities Aid Foundation (CAF) is a charitable unincorporated trust whose principal place of business is at 25 Kings Hill Avenue, Kings Hill, West Malling, Kent ME19 4TA. 

CAF is registered with the Charity Commission under number 268369. 

CAF is not authorised to promote or market regulated financial services products or to give advice on or provide any other service in connection with such savings and investments. No such advice or service will be provided by CAF or its employees or representatives. No reliance should be placed upon any representation or information purporting or appearing to come from CAF or any representative or employee of CAF in connection with the promotion or marketing of regulated financial services products or any advice on any such products. 

 

View our latest annual report

Legal information

CAF Bank Ltd, 25 Kings Hill Avenue, Kings Hill, West Malling, Kent ME19 4JQ. 

CAF Bank is a company incorporated and registered in England and Wales under number 1837656 – registered in England and Wales. 

CAF Bank Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 204451). 

CAF Bank is a subsidiary of the Charities Aid Foundation and is an authorised banking institution. 

CAF Financial Solutions Ltd (CFSL), 25 Kings Hill Avenue, Kings Hill, West Malling, Kent ME19 4TA. 

CFSL is a company incorporated and registered in England and Wales under number 2771873. 

CFSL is authorised and regulated by the Financial Conduct Authority (FRN 189450). 

CFSL is not authorised to provide financial advice and will not do so.  

When considering what action to take, customers should seek their own independent financial advice from an appropriately authorised adviser. 

All CFSL net profits (after tax) are transferred to CAF and used to benefit the third sector in accordance with its charitable objectives. 

CAF America, King Street Station 1800 Diagonal Road, Suite 150 Alexandria, VA 22314-2840. 

CAF America is a US 501 (c) (3) public charity. EIN: 43-1634280. 

Southampton Row Trust Limited, operating as the CAF American Donor Fund, 25 Kings Hill Avenue, Kings Hill, West Malling, Kent, ME19 4TA. 

Southampton Row Trust Limited is a UK charitable company registered with the Charity Commission under register number 1079020 and incorporated and registered as a company in England and Wales under number 3900842. 

100 King Street West, Suite 5600 Toronto, ON Canada M5X 1C9. 

CAF Canada is incorporated under the Canadian Not-for-profit Corporations Act, corporation number 855429-3 and is a Canadian charity, number 801966334RR0001. 

Independent members of the CAF Network 

RACI, Sánchez de Bustamante 191, 1°G, (C1173ABA), Ciudad Autónoma de Buenos Aires, Argentina 
 
RACI’s Unique Tax Identification Code is CUIT Nº 30-71544119-1. RACI is regulated by Inspección General de Justicia, registration number: N° 0001208. 

Good 2 Give, 12 Holtermann Street, Crows Nest NSW 2065 Sydney, Australia  
 
Good 2 Give is registered with the Australian Securities and Investments Commission and certified ISO27001 compliant by Compass Assurance Services. ABN 32 089 603 314. 

IDIS, Rua Paes Leme, cj. 141, Pinheiros, CEP 05424-904, São Paulo/SP Brasil. 
 
IDIS (Brazil) is enrolled before the Brazilian Taxpayers Registry of the Ministry of Finance (“CNPJ/MF”) under number 03.483.589/0001-97. 

BCause Foundation. 65, Vitosha Blvd., floor 2 Sofia 1000, Bulgaria  

BCause Foundation is a registered non-profit organisation, UIC number with the Commercial Register and Register of Non-profit Legal Entities – 121029426 

Transnational Giving Europe, Rue Brederodestraat 21, 1000 Brussels, Belgium. 

Ghana Philanthropy Forum SR 373 Spintex Road, Accra, Ghana. 
 
Ghana Philanthropy Forum is regulated by the Registrar General’s Department, number C000709812X.

Plot/ Site No.2, First Floor, Sector C, (OFC Pocket), Nelson Mandela Marg, New Delhi, Delhi 110070. 
 
OneStage, registered as CAF India, is a registered public charitable trust (not for profit organisation) with registration number 3733/IV. 

Filantropi Indonesia Jl. Angkasa No. 55, Sawah Besar, Central Jakarta, Jakarta Raya 10720, Indonesia. 
 
The Minister of Law and Human Rights of the Republic of Indonesia Decision Letter No. AHU-0000838.ah.01.08 IN 2021. 

Japan Foundation Center Yotsuya Cruise, 1-6-4 Yotsuya, Shinjuku-ku, Tokyo. 
 
Japan Foundation Center (JFC) is an Independent Administrative Institution Registration number 3011105003801. JFC registered in the Cabinet Office of Japanese Government as Public Interest Corporation No. A001322. 

Kenya Community Development Foundation, Ngong Road, Morningside Office Park, 4th Floor, Nairobi,00100. 
 
KCDF’s Registrar of Companies, Registration Number C.95110 

Pakistan Centre for Philanthropy, 31, Mauve Area, RDF Centre, G-9/1 Islamabad, Pakistan. 
 
Pakistan Centre for Philanthropy (PCP) is a designated Certification Agency by the Federal Board of Revenue (FBR), Government of Pakistan vide S.R.O. 1116(1)/2003. PCP is regulated by the Security and Exchange Commission of Pakistan, registration number: 0043303. 

CAF Southern Africa, Studio 16, Arts on Main, 264 Fox Street, City & Suburban, Johannesburg 2094, RSA. 
 
CAF Southern Africa is a registered section 21 company under number 2000/016493/08 and is a registered Non-Profit Organisation (NPO) under number 014-831 and a registered Public Benefit Organisation (PBO) with 18A status under number 930002036.

Third Sector Foundation of Turkey (TUSEV) Bankalar Caddesi No:2 Minerva Han Kat:5 34420 Karaköy, Istanbul. 
 
TUSEV is a registered foundation under Decree number E:19931189, K:1993171. 

Service provider information

Investment Fund Services Limited (IFSL) is the Authorised Corporate Director (ACD) for the IFSL CAF Investment Funds. IFSL is registered in England No 06110770 and is authorised and regulated by the Financial Conduct Authority. Registered office: Marlborough House, 59 Chorley New Road, Bolton, BL1 4QP. 

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. 

The CAF 90 Day Notice Account and CAF 1 Year Fixed Term Deposit Account are provided by Scottish Widows Bank. Scottish Widows Bank is a trading name of Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales, no. 2065.

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 119278. 

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. 

The CAF Charity Deposit Platform is provided by Flagstone Investment Management ('Flagstone') and introductions are made by CAF Financial Solutions Limited (CFSL). Flagstone is registered as a limited company in England and Wales No. 08528880. Registered Office: 1st Floor, Clareville House, 26-27 Oxendon Street, London SW1Y 4EL. 
 
Flagstone is authorised and regulated by the Financial Conduct Authority (Reference Numbers 676754 and 605504). 

LGT Wealth Management UK LLP is authorised and regulated by the Financial Conduct Authority Registered in England and Wales: OC329392. Registered office: 14 Cornhill, London, EC3V 3NR. 
 
LGT Wealth Management Limited is authorised and regulated by the Financial Conduct Authority. Registered in Scotland number SC317950 at One Lochrin Square, 92 Fountainbridge, Edinburgh, EH3 9QA. 

LGT Wealth Management Limited is the investment manager for the IFSL CAF Investment Fund range and the provider of the Discretionary Investment Management service from LGT Wealth Management Limited.

Customer protections

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 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 by phone on 0800 023 4567, via email, or in writing at: 

The Financial Ombudsman Service 
Exchange Tower 
London 
E14 9SR 

Your eligible deposits with CAF Bank are protected up to a total of £85,000 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 Protecting your money 

CAF Financial Solutions Ltd (CFSL)

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 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 by phone on 0800 023 4567, via email, or in writing at: 

The Financial Ombudsman Service 
Exchange Tower 
London 
E14 9SR 

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 
 
FSCS Protecting your money 

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.     

 

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. 

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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