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AC Financial Web Site Terms of use


By accessing these pages, you shall be deemed to have accepted, and agreed to be bound, by these terms which shall be governed by the Law of England. AC Financial Limited is authorised and regulated by the Financial Conduct Authority in the conduct of investment business. Tax advice and Trusts are not regulated by the Financial Conduct Authority and you should note that tax rates and allowances are subject to change. Other areas of advice which may not be covered by the Financial Services Act will be clearly identified and brought to your attention when personal recommendations are provided.

AC Financial Limited has taken all reasonable care to ensure that the information contained within the pages of this site are accurate and complies with the relevant United Kingdom legislation and regulations as at the date of issue, no liability can be accepted for any errors or omissions, or for this information becoming out of date after August 2016 or at a later date following updates on a specific subject.

AC Financial Ltd is Registered in England Number 03895570


Where AC Financial Limited advises or offers advice on packaged products, it will be based upon a selection of products from the whole market after considering your specific objectives and financial circumstances.

The pages on this site are provided by AC Financial Limited for the general interest of readers. They are not intended to be a definitive analysis as this can only be provided once your personal circumstances are known to us. None of the information provided here should be acted upon without your being provided with specific recommendations either from ourselves or another regulated person holding the requisite qualifications as deemed appropriate by the Financial Conduct Authority.

Investment Returns

Where investment returns are mentioned anywhere on this web site you should note that these are historic, and future gains will depend upon the future performance of any fund mentioned. Past performance should not be taken as an indication of future performance - the value of any investment and the income from it is not guaranteed and can fall as well as rise, so that you may not realise the amount originally invested.

Where ongoing advice is eventually provided portfolios are managed by AC Financial Limited in accordance with an agreed risk profile to suit the needs and requirements of each individual client. We recommend those investments that we consider appropriate for inclusion in each portfolio. Where we recommend a particular investment/fund for inclusion in one portfolio it does not imply that it is suitable for any other portfolio. Should we recommend alternative fund structures following an ongoing review no changes in the portfolio will be enacted without your specific instructions.

You should be aware that there is no recognised markets for some investments and that it may therefore be difficult for you to deal in them or for you to obtain reliable information about their value or the extent of the risks to which they are exposed. We generally steer clear of such investments as they usually contain a higher degree of risk. If you are contemplating such investments we strongly recommend that you take advice from a suitably qualified person before proceeding - we would be pleased to provide such advice upon request.

The information in this web site is not intended as an offer or solicitation to buy or sell securities or any other investment or banking product, nor does it constitute a personal recommendation.


Any levels of taxation referred to depend on the individual circumstances of the investor and the value of tax reliefs are those which currently apply. You should also note that the provision of taxation advice and Trusts are not regulated by the Financial Conduct Authority (FCA)


We are covered by the Financial Services Compensation Scheme (FSCS). Clients may be entitled to compensation from the scheme if AC Financial Limited cannot meet its obligations. This depends on the type of business and the circumstances of the claim. Most types of investment business are covered for 100% of the first £50,000. You should also note that most types of Insurance including Life Insurance Investment Bonds are covered by 100% of the amount invested with no upper limit in the event of the product provider being unable to meet its liabilities. Further information about compensation arrangements is available from the Financial Services Compensation Scheme.


The pages on this site are prepared and issued in the United Kingdom and are intended for the information of United Kingdom residents only.


All rights reserved. Copyright in the pages of this site, in the screens displaying the pages and in the information and material contained therein and their arrangement, is owned by AC Financial Limited, unless otherwise indicated. Other than for personal use you must not copy any article or script, or fund information provided here unless you have specific permission to do so from AC Financial Ltd.

If you wish to copy or reproduce any materials contained in this website in a manner not permitted by the above Licence Conditions, please contact us.