Spectrum-IFA - Horizons client Charter

 “What YOU can expect from US”

This document details the association between Spectrum, Spectrum advisers and their clients. The term “Spectrum” refers to those companies and advisers that form part of The Spectrum IFA Group. In France, Spectrum is TSG Insurance Services SARL (TSG).

Horizons is a suite of financial solutions offered by Spectrum to members of the yacht crew community.

  1.  Independence: TSG is independent. We are not tied to any Financial Institution. We are legally obliged to highlight those companies with whom we place more than 10% of our business: SEB Life International and Prudential International. If you require information regarding the other product suppliers we use, it is available on request.
  2.  Financial Planning: TSG carries out a “know your client” financial fact-find in order to determine and understand your current financial circumstances and your future plans, needs and objectives. This includes full “due diligence” in line with global anti-money-laundering rules as well as questions relating to your attitude to risk and professional financial experience.
  3. Remuneration: TSG doesn’t charge you a fee for the Financial Planning service we provide. We are remunerated with commissions paid to us by insurance companies and by Platform 1, in the case of the Horizons Investment Account as explained on the accompanying fact sheet.Some investment funds or products within an Insurance policy may generate an additional initial commission. If this is the case, we undertake to rebate this commission to you (in full) by way of increased allocation. In the event that a selected fund has an exit penalty, we will highlight these penalties to you in writing. Only in the event that we have taken on the servicing of an existing contract, sold by another advisory firm, will we consider charging a service fee which will be negotiated and agreed in advance with you.Investment funds bought on the Platform 1 account have no initial commission and all trail commission is rebated to your Platform 1 cash account.
  4.  Your money: TSG doesn’t handle your money. All financial dealings are conducted directly between you and the financial institution concerned.
  5.  Reasons why: Prior to completion of relevant application forms, TSG will explain to you the type of product recommended and will supply you with the product brochure (and any technical guide) from the relevant financial institution for you to read and retain for future reference. TSG will take time to explain the product’s charge structure and any possible cancellation penalties that you may incur.
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Legal Information: TSG Insurance Services SARL, Siège Social: 34 Bd des Italiens, 75009 Paris. SIREN: 448 496 661 Code NAF: 6622Z
Conseiller en investissements financiers: référencé sous le numéro E002440 par ANACOFI-CIF, association agréée par l’Autorité des Marchés Financiers. We are committed to respect the Anacofi-CIF code of conduct which can be consulted on www.anacofi.asso.fr
Intermédiaire en assurances: Société de Courtage d’assurances, Numéro d’immatriculation ORIAS 07 025 332 – www.orias.fr, placé sous le contrôle de l’ACP,adresse: 61 rue Taitbout, 75436 Paris Cedex 09
Assurance Responsabilité Civile Professionnelle des Intermédiaires et Conseils de l’Assurances et du Patrimoine et Garantie Financière conforment aux exigences du code monétaire et financier et du code des assurances. Assureur QBE EUROPE police no: 103191 Montants de la RCP Intermédiaire d’Assurance €2.000.000 – Conseil en Investissement Financier €600.000 – Garantie Financière €115.000
Complaints should be addressed to your adviser or to our administration department in the following way:
By mail: TSG Insurance Services SARL, Paseo de Gracia 63, Principal 2a, 08008 Barcelona, España or By e-mail: tsg@spectrum-ifa.com
Complaints department of ANACOFI: Médiateur de l’Anacofi, 92 rue d’Amsterdam, 75009 Paris
Complaints department of AMF: Marielle Cohen-Branche, Médiateur de l’AMF, Autorité des marchés financiers, 17 place de la Bourse, 75082 Paris cedex 02
We guarantee that your complaint will be dealt with in this timeframe:
* Acknowledgement of receipt a maximum of 10 working days from reception of your complaint, except if the query is answered within this timescale
* Maximum 2 months between the date of reception of the complaint and the answer, except in some unusual circumstances which will be duly justified.