Regulatory information

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The bank dedicated to supporting charities and social purpose enterprises. So we understand what you need.

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For legal information see our Legal information page.

Other service provider information

Customer protections

Fraud prevention

Recording of telephone communications

Investment product risk factors

Other service provider information

Investment Fund Services Limited

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.

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.

Scottish Widows Bank

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

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.

Flagstone Investment Management

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 Limited

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

CAF Bank

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 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 0800 023 4567, via email or in writing at:

The Financial Ombudsman Service
Exchange Tower
London
E14 9SR

Financial Services Compensation Scheme - depositors

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)

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 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 0800 023 4 567, via email or in writing at:

The Financial Ombudsman Service
Exchange Tower
London 
E14 9SR

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

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 above.

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.