Please understand that we will use our experience and knowledge to assist you with your application, but we cannot guarantee that the FCA will approve it.

All communications from the FCA will be with you as the named person making the application.

We will provide guidance and advice in responding to the FCA but rely on you to tell us when they contact you, providing copies of email requests from them as soon as you receive them as they usually have a 5 working day deadline. We take no liability for missing deadlines where FCA correspondence has not been provided within a reasonable timescale.

Documents we provide to you are for your use only and should not be shared with other firms.

The FCA may do a credit check on any individuals who are applying for a Senior Management function.

Applicant Declarations and Disclosure Requirement

To enable us to assess your application accurately and to assist with FCA submissions, you must provide complete, accurate and up-to-date information.

You must disclose:

• Any previous names, maiden names, aliases, or names by which you have been known.
• Any change of name by deed poll, marriage, civil partnership, divorce, or otherwise
• All current and previous residential addresses for the period requested by the FCA.
• Any unspent or spent criminal convictions, cautions, reprimands, warnings, investigations, or prosecutions where disclosure is required by law or FCA rules.
• Any bankruptcies, Individual Voluntary Arrangements (IVAs), debt relief orders, County Court Judgments (CCJs), or other financial difficulties.
• Any regulatory investigations, disciplinary proceedings, dismissals, sanctions, or findings made by a professional, regulatory, or government body.
• Any adverse media, online content, reviews, complaints, or other information that may reasonably be identified during the FCA’s fitness and propriety assessment.

By signing these Terms of Business, you confirm that all information provided to us is complete, accurate and not misleading, and that you have disclosed all information which may be relevant or material to your application.

It is your responsibility to ensure that all such information is disclosed, and to promptly notify us of any changes. Failure to disclose relevant information may adversely affect your application and could result in delays, rejection by the FCA, or potential regulatory action.

Please note that we rely on the accuracy and completeness of the information you provide. We are not responsible for any outcome of the application, including refusal by the FCA, where this arises from incomplete, inaccurate or undisclosed information.

If you are unsure whether any information is relevant, you should disclose this to your advisor so that appropriate guidance can be provided prior to submission.