evestor Terms & Conditions

About our services

This document provides details about our services to you and how we charge for it, so it's important that you read it fully. If there's something you don't understand please ask us to explain it, the easiest way to do this is using the webchat facility within the client portal. Alternatively, send us an email to general@evestor.co.uk and we will get back to you.

Our Status

evestor is a trading style of E-Vest Adviser Services Limited, which is authorised and regulated by the Financial Conduct Authority. Our FCA Registration Number is 676331, you can check this on the Financial Services Register by visiting: www.fca.org.uk/register or by contacting the FCA on 0800 111 6768. Our registered office address is E-Vest Adviser Services Limited, Hensmill House, 9-13 Manchester Road, Wilmslow, SK9 1BQ. We are registered in England & Wales, our Registration Number is 09407280.

Investment products

We offer restricted financial advice, and only recommend the evestor ISA, evestor SIPP and evestor general investment account products, which are all provided by Greyfriars Asset Management LLP. If you opt to receive advice, we will recommend portfolios of investments made from a range of low-cost UK mutual tracker funds.

Advice

We will make a personal recommendation for you via the evestor system, based on the personal information you have supplied us with. In certain circumstances advice may be provided outside of the evestor system. In these instances, you will receive a personal recommendation from one of our financial advisers after a meeting over Skype.

Execution Only

We may arrange a contract with a provider specified by you without giving any advice. In these circumstances you are confirming, via the evestor system, that you have sufficient knowledge and experience to make your own investment decision and do not want us to give any advice on the suitability of the product in relation to your circumstances.

Our charges – investments

We will ensure you agree to the costs of our service before you accept our advice or complete your execution-only transaction. The fee for using our evestor service is 0.35% per year, not including the individual fund charge. The fee is broken down as follows:

  • 0.25% is the evestor ongoing administration charge. This is the same whether you receive advice or use the execution only route.
  • 0.10% is for the provision of custody services, levied by our platform provider, Greyfriars Asset Management LLP. Again, this charge is the same whether you receive advice or use the execution only route.

The fund charges differ between the 3 portfolios, and are as follows:

  • Portfolio 1 is 0.13% which means that the total annual fee for your investment would be 0.48%. In monetary terms, if you had £100 invested, you would pay 48p in fees annually.
  • Portfolio 2 is 0.11% which means that the total annual fee for your investment would be 0.46%. In monetary terms, if you had £100 invested, you would pay 46p in fees annually.
  • Portfolio 3 is 0.11% which means that the total annual fee for your investment would be 0.46%. In monetary terms, if you had £100 invested, you would pay 46p in fees annually.

Please note that our charges will increase if the value of your investment funds increase. Where charges are subject to VAT we'll let you know. Fees will be taken directly from your investments monthly.

Complaints

Should you wish to complain please contact Laura Thurston-Garry (Compliance Manager) either:

  • In writing: E-Vest Adviser Services Limited, Hensmill House, 9-13 Manchester Road, Wilmslow SK9 1BQ
  • By email: complaints@evestor.co.uk

Should you not be satisfied with our final response you may be entitled to refer the matter to the Financial Ombudsman Service (FOS) within six months of the date of our final letter:

Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.

  • For most types of investment business advising and arranging are covered for up to £50,000
  • Eligible deposits are covered up to £85,000

Further information about compensation scheme arrangements is available from the Financial Services Compensation Scheme (www.fscs.org.uk).

Terms of Business Agreement

This Agreement

This is our standard Terms of Business Agreement upon which we intend to rely. For your own benefit and protection you should read these terms carefully before signing them. If you do not understand any point please ask for further information.

Services we provide

Advising: We only offer restricted advice. If you choose to accept advice from evestor, we will only recommend products from our selection of evestor ISAs, SIPPs and GIAs, which are all provided by Greyfriars Asset Management Plc. We may recommend a combination of any of these 3 products, however at your request we can focus our advice on a specific evestor product, or combination thereof. If you choose to accept advice, we won't recommend a product unless it's suitable, which means we may advise you to pay off outstanding debts or continue paying into an existing product, if it's more suitable for your needs.

Arranging: We can facilitate our recommendations for you with Greyfriars Asset Management LLP, our chosen provider of evestor products.

Administering: Administrative support will be included as part of our ongoing service to you. We will maintain records of your arrangements, assist with any queries you may have and pass on instructions to or from providers.

Reviewing: We instigate regular contact with you to ensure that the arrangements made remain suitable. We monitor performance of the underlying investments and make further recommendations as required. You have a responsibility to let us know if your circumstances or goals change between review periods.

Client Classification

We will treat you as a ‘retail client’ or ‘consumer’ and you will be afforded the highest level of regulatory protection available.

Retail Investment Products

The range of regulated financial services we can provide includes researching, advising upon and arranging deals in ISAs, GIAs and SIPPs. The advice we provide, and products we offer, are restricted to the evestor ISA, evestor GIA and evestor SIPP, which are packaged by Greyfriars Asset Management LLP.

Model Portfolios & Dealing

The underlying investments of your products will be in one of our model portfolios. These portfolios are collections of investment funds, selected in line with different risk profiles.

On receipt of the first payment into any product, and therefore into the underlying model portfolio, subscription deals will be placed in the funds within the model in the proportion detailed in the portfolio factsheet.

As the proportions of the invested funds within a product drift over time with movements in the market, some will become lower than their target proportion (underweight), whilst others will become higher than their target proportion (overweight) – subsequent payments into products will be invested in the funds in the model that are most underweight first, with a view of moving the model back towards its target; any withdrawals from products will results in the most overweight funds being sold down first, with a view of moving the model back towards its target.

All model portfolios will be rebalanced twice a year, one of which will include changes to underlying assets and asset allocation if necessary. It may be necessary in exceptional circumstances to make changes to the underlying assets in the model portfolios at unscheduled times. When any change is being made to the underlying assets or the target allocation in the model portfolios, we will contact you in order to obtain your agreement to the changes.

Money Laundering Regulations

We are required by law to verify the identity of all our investment clients. No application will be made on your behalf until such verification has been obtained. We will also check your details against Sanctions Lists (HMT, EU and US) as part of our obligation to prevent evestor being used to further financial crime.

Client Money

E-Vest Adviser Services Limited is not authorised to accept client money, and so evestor will never accept a payment. All payments made through the evestor portal go straight to Greyfriars Asset Management LLP, where they are held in a client money account until they are invested.

Client Assets

All contract notes and documents of title in respect of your investments or policies will be issued to you directly by the issuing company, via the evestor system.

Commencement and Termination

This Terms of Business Agreement takes effect from the date it is given to you and will apply until terminated. You, or we, may terminate our authority to act on your behalf under this agreement at any time, without penalty. Either party may terminate this agreement by providing 30 days notice in writing. Any outstanding fee payments must be settled immediately upon termination. Termination will not prejudice the completion of transactions already initiated on your behalf or any rights or obligations already arising.

Your Duty to Disclose Information

We will base our recommendations on the information you have provided us with; whether this is via the evestor system, Skype or telephone calls, or email. You are required to check the information we have recorded to ensure it is complete and accurate, and update us whenever there is a change to your personal circumstances or details.

Cooling Off

The Product Provider Terms & Conditions details your rights to cancel your products, once you have taken them out. For any of our products, you may be entitled to cancel your product within 30 days of either conclusion of the contract or receiving your documentation, whichever is later. If your funds are still within the client money account, you may receive a full refund, however if your funds have already been invested, you may get back less than your original investment, if the value of the fund has fallen.

Our Services and Charges

Our investment advice service offers initial advice given via the evestor system, together with reviews whenever you require.

You can choose to receive full advice (recommendation of which product or products, as well as which underlying investment portfolio) or focused advice (you choose the product or products we recommend the underlying investment portfolio). You can request a Skype appointment with one of our advisers at any point. The underlying investment portfolios are rebalanced on a biannual basis.

The fee for our administration services supplied via the evestor system is 0.25% per annum, taken monthly from your investments.

At evestor, we don’t believe in charging people more if they want advice on their investment decisions. That’s why you will only ever pay our administration charge of 0.25%, our custody charge of 0.10% and the relevant fund charge. If you’re an evestor customer, it’s completely up to you – speak to our advisers for free, whenever you need, take our financial advice or choose your own products.

Fees paid out of investments

All fees are paid out of investments. We accept no liability for any tax incurred as a result of this method of remuneration.

Terms and Conditions

1. General Terms

a. Important information

In these Terms, references to “evestor”, “us”, “our” and/or “we” means evestor, a trading style of E-Vest Adviser Services Limited.

In these Terms, reference to an “evestor Account” means an account that we will open for you which will enable you to track your spending through both the mobile application (the “App”) and through the web portal (the “Portal”) which allows us to provide Financial Advice, if you choose this route.

These Terms contain important information regarding the services that we provide to you so, for your own benefit and protection, please read these Terms carefully before accepting them. If there is anything contained in these Terms that you do not understand, please do not hesitate to contact us using the chat function on the website.

b. Your agreement with us

These Terms, together with (a) the information we have provided to you via the App and Portal about our services and fees; and (b) the information you have provided to us via the App and Portal under these Terms in relation to your evestor Account constitutes the agreement (“the evestor Agreement”) between you and us in the provision of our services to you. E-Vest Adviser Services Limited is authorised and regulated by the Financial Conduct Authority (“FCA”), whose address is 25 The North Colonnade, Canary Wharf, London E14 5HS. Our FCA registration number is 676331. evestor is a trading style of E-vest Adviser Services Limited. E-vest Adviser Services Limited in England & Wales under Company Registration Number 09407280; its registered address is Hensmill House, 9-13 Manchester Road, Wilmslow SK9 1BQ.

c. Commencement and status of the evestor Agreement

The evestor Agreement will be legally binding when you accept these Terms. However, we will only start to provide our services to you after we have notified you that your evestor Account with us has been opened and, accordingly, those terms relating to your evestor Account will only be applicable after that time. The evestor Agreement has no minimum duration period.

The evestor Agreement is governed by the laws of England and Wales. If any provision of the evestor Agreement is or becomes invalid or unenforceable, the relevant provision will be treated as if it were not in the evestor Agreement, and the remaining provisions will still be valid and enforceable.

d. The evestor Account and the evestor Services

We will provide services (the “evestor Services”) to you in connection with the set up and operation of your evestor Account including the provision of the App.

We will provide the evestor Services to you in accordance with the Terms of the evestor Agreement, all applicable laws and the FCA Rules.

We will do our best to ensure the App and your evestor Account is available and up and running for you to use at any time however, this is not something we can guarantee. There may be times where the App and your evestor Account may not be available and where we may not be able to facilitate your investment instructions. There may be interruptions and/or delays to our services. If this happens we will do our best to contact you to let you know what you should do. You can also contact us using the chat function on the website. If this is not available please email general@evestor.co.uk.

We may suspend the operation of our services where we consider it necessary, including (but not limited to) where we have to suspend operations for technical problems, emergencies, maintenance, regulatory reasons, where we decide it is sensible for your protection, in periods of exceptional trading activity or to ensure the continued availability of other services. If this happens we will do our best to contact you to let you know what you should do.

e. Your use of our App

In addition to the Terms set out here, you acknowledge and confirm your continuing agreement to our Privacy Policy and the Portal & App Terms relating to the use of our App (together, the “Data Terms”). If there are any terms contained in the Data Terms that are inconsistent with or conflict with the terms, conditions and provisions set out in these Terms then, the relevant term, condition or provision set out in these Terms shall prevail.

evestor will provide you with security details to access your evestor Account. You must keep these details safe and confidential and notify evestor immediately if you think that someone else may know these details and/or may have unauthorised access to your Account (otherwise in accordance with these terms).

You must not undertake any action that could compromise the security or effective working of the evestor Services. Any such action will be considered a material breach of these Terms.

You are responsible for monitoring your evestor Account, ensuring that you read all messages that have been sent to you (whether through the notifications and messaging centres in the App and the Portal, via the email address you have provided to us, or via any other means as agreed between us) and informing us if there is something wrong on your evestor Account or you suspect that it has been subject to unauthorised use.

You may download or print information and documents that we provide to you strictly for personal use provided that you keep all copyright and proprietary notices intact. You must not otherwise reproduce or distribute any material without our written consent.

You acknowledge and agree that all intellectual property rights in the App, the Portal, all documents and related technology anywhere in the world belong to us or our licensors - you have no rights in or to the App, the Portal, the documents and related technology other than the right to use each of them in accordance with these Terms and the Data Terms.

f. Opening your evestor Account

Before we can open your evestor Account and provide the evestor Services to you, we are required to verify your identity in accordance with UK regulation. We will use various third-party services to do this and you expressly authorise us to do this acknowledging that this will involve us transmitting your personal information to such third parties and carrying out credit checks that may leave a footprint on your credit file. Please note we only conduct these checks to verify identity, and so these 'soft' checks will only be visible by you on your credit file, it does not affect your credit rating.

You warrant and represent to us and to the Platform Provider on an ongoing basis that:

  • You are aged 18 or over
  • You are UK resident for tax purposes
  • You are not a US Person

You agree to notify us immediately if any of the above warranties cease to be correct.

g. Communications

We may communicate with you at any time using the information you have given us, including, when appropriate, by telephone, SMS text message, by email and via the App.

It is your responsibility to ensure the contact information we have for you is up to date. In particular, you must ensure we have a current and valid email address for you so that we can notify you when important documents are delivered to you via the App. You accept that where either we or the Platform Provider are required to provide you with written notice then this will be given to you by means of electronic correspondence.

We cannot guarantee that electronic communications will be successfully delivered, or that they will be secure and virus free. Except for cases of negligence or where we have breached applicable law or the FCA Regulations, we will not be liable for any loss, damage, expense, harm or inconvenience caused as a result of an email being lost, delayed, intercepted, corrupted or otherwise altered or for failing to be delivered for any reason beyond our control.

We will record and monitor telephone conversations that we have with you for monitoring and record keeping purposes. We will store recordings for a period required by law, the FCA Rules or for as long as we consider necessary to be able to provide the evestor Services to you, whilst complying with the Data Protection Act 1998. In the event of a disagreement between you and us, we can give you a copy of our records on request (but we reserve the right to charge you a reasonable fee for this). Please note that you cannot 'opt out' of communications being recorded as it is a regulatory requirement.

All communications in relation to the services provided under this Agreement will be in English.

h. Your information and data

We may use your personal information, including sensitive personal information and store it on our systems and may otherwise process it for the purposes of providing the evestor Account and the evestor Services. By accepting these Terms you agree that we may also provide you with marketing materials and other information regarding any of our other products and services from time to time, that we think may be of interest to you. If you do not wish to receive such materials please contact us using the chat function on the website. Alternatively, you can use the unsubscribe feature included on all marketing emails.

We will never share your personal information to a 3rd party, for that party to market its services and products to you, without your consent.

We may pass personal information relating to you to third parties appointed by us for the purpose of administration and verifying your identity (as described in Section 1) and you confirm that you accept and consent to this. We may need to seek additional information from you in order to verify your identity, in which case we may:

  • delay the opening of your evestor Account; or
  • return and cancel your application; or
  • withhold from you the ability to trade or withdraw any Funds until we have successfully verified your identity

We are registered with the Information Commissioner for the handling and processing of personal information and shall comply at all times with applicable data protection legislation. We will take all reasonable steps to ensure that the database containing this information is constantly updated and is securely protected against unauthorised entry and that personal information is kept strictly confidential.

We may disclose your personal information if we are required to do so by law or we are requested to do so by the FCA, or any other relevant regulatory authority in any country.

Your personal data may be transferred to third parties outside the EEA as well as within it, solely in connection with our provision of the evestor Account and the evestor Services. You should be aware that in territories outside the EEA, laws and practices relating to the protection of personal data are likely to be different and in some cases may be weaker than those within the EEA. Where transfers outside of the EEA are necessary, evestor complies with the stringent safeguards to protect your personal data required by law. By entering into the evestor Agreement you consent to such processing of your data.

You are entitled to see all personal data relating to you, which is held on any database controlled by us. A charge may be made if you use this service. Please contact us via compliance@evestor.co.uk if you wish to request this information.

i. Referrals

Where appropriate, we may offer to refer you to third parties to provide certain additional services. We will not make any such referral without your agreement.

We may pay (or receive from third parties), fees in relation to referrals of business. In making or receiving any such referral and making or receiving such payments, we will act in accordance with all applicable laws & regulations.

j. Amendments to the evestor Agreement

We may amend the evestor Agreement:

  • if we are required to do so to comply with the FCA Rules, or any other applicable law or regulation
  • to reflect changes in the costs and expenses that we incur (or reasonably expect to incur) in providing the services to you, including to take account of changes in the rates of inflation, taxes or interest
  • to make these terms fairer to you or easier to understand, or to correct mistakes;
  • to reflect changes in market practice or conditions
  • to enable us to make reasonable changes to the way we provide our services as a result of changes in the financial services sector, technology, or available products
  • to reflect changes to our arrangements with the Platform Provider or Yodlee

If we propose to make a change to these Terms that is not detrimental to you, we can make the change immediately. We will make information available to you about the change within 30 days of the change.

If we make a change to these Terms that may be detrimental to you, we will provide you with at least 30 days’ prior notice (unless we are required to make the change sooner, for example, for legal or regulatory reasons, in which case we will make information available about the change within 5 days of making the relevant change).

If we make any change that is detrimental to you, you may notify us within 30 days from the date of such change to terminate your evestor Agreement and close your evestor Account without charge.

k. Termination

You may terminate your evestor Agreement at any time and for any reason by providing us with notice, subject to the settlement of all outstanding transactions. Transactions already in progress will be completed in the normal course of business. We will close your evestor Account as soon as practicable after receiving your notice to terminate the evestor Agreement.

We may terminate this Agreement at any time by giving you 30 business days’ prior notice subject to the settlement of all outstanding transactions.

We may terminate this Agreement immediately, freeze you evestor Account and take steps to freeze transactions through your Platform Product(s) without giving you advance notice if we reasonably believe that you:

  • have materially breached any of the terms of the evestor Agreement or have otherwise provided us with false or misleading information
  • are using, or allowing another person to use, your evestor Account illegally or for criminal activity
  • have failed to pay any of the amounts owed under the evestor Agreement
  • have become bankrupt, insolvent or you are unable to pay your debts as they fall due

We may also terminate the evestor Agreement immediately if:

  • we reasonably believe that providing you with a service exposes us to action or censure from any law enforcement, government or regulatory body (including, without limitation, the FCA)

Where we terminate the evestor Agreement immediately or freeze your evestor Account as set out above, we will inform you in writing immediately of our decision and our reasons for making that decision.

l. Governing Law

The evestor Agreement and the Platform Provider Agreement and any dispute or claim arising out of or in connection with either of them (including non-contractual disputes or claims) will be governed by and construed in accordance with the law of England and Wales.

The parties irrevocably agree that the courts of England and Wales will have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with either the evestor Agreement or the Platform Provider Agreement (including non-contractual disputes or claims).

m. Third Parties

Except for Yodlee Inc and any other relevant Service Provider who may enforce, as applicable, provisions herein for a person who is not a party to this agreement cannot enforce or enjoy the benefit of any term of this Agreement under the Contracts (Rights of Third Parties) Act 1999.

2. Summary of Conflicts Management at evestor

a. Introduction

evestor is committed to maintaining the highest professional standards and, therefore, we endeavour to identify, consider and manage potential conflicts of interest to ensure that we treat all of our customers fairly and in accordance with relevant regulation and best practice guidelines.

b. Nature of a conflict of interest

In essence, a conflict of interest is a situation in which evestor (or any of its personnel) finds itself in a position where its own interests conflict with the duties and obligations owed to its clients or, a situation in which evestor’s duty to one client conflicts with its duty to another.

c. Identifying conflicts of interest

For the purposes of identifying the types of conflict and potential conflicts that arise which may entail a material risk of damage to the interests of a client, we must take into account whether evestor or its directors, employees or contractors (“evestor Personnel”) or any other person linked by control to evestor:

  • is likely to make a financial gain, or avoid a financial loss, at the expense of a client
  • has an interest in the outcome of a service provided to a client or transaction carried out on behalf of a client, which is distinct from the client’s interest in that outcome
  • has an incentive to favour the interest of another client or group of clients over the interests of the client
  • carries on the same business as a client
  • receives or will receive from a person other than a client an inducement in relation to a service provided to the client, in the form of remuneration, goods or services

d. Conflict Situations

We have identified a number of situations which may give rise to a potential conflict of interest. These situations include, but are not limited to, the following:

  • we receive gifts, entertainment or other monetary and non-monetary benefits from our service providers or business partners (for example, the fund managers of the Funds we make available to clients through the App), which could give rise to a conflict with respect to the duties that we owe to our clients
  • evestor Personnel who have outside commitments (e.g. directorships or other outside business interests) may be influenced to act in a manner that conflicts with the interests of evestor or its clients
  • where evestor Personnel invest for their own account in certain investments which are retained as investments for client accounts

e. Conflict Avoidance

We seek to organise our business in such a way as to avoid conflicts of interest arising.

f. Conflict Management

For conflicts of interest which are unavoidable, we have put in place procedures which are designed to ensure that the management of any conflict takes place in such a way that evestor (and its personnel) are not advantaged and that no client is disadvantaged. All of our employees are provided with training in these procedures and the standards of conduct expected of them. evestor’s Board of Directors remains responsible for ensuring that such procedures are appropriate and that employees act accordingly. Specifically, we have put in place the following procedures to assist in our identification and management of conflicts of interest:

  • Conflicts Log: we maintain a list of all potential conflicts of interest identified. With respect to each conflict, the log details the measure put in place to monitor and manage the conflict of interest
  • Gifts & Entertainment Policy: we ensure that all evestor Personnel are subject to appropriate restrictions and monetary limits for any gifts or entertainment received
  • Personal Account Dealing Policy: we ensure that all evestor Personnel pre-clear and report any personal trading activity which may conflict with the interests of our clients
  • Pre-approval process for all Outside Business Interests: we ensure that our personnel’s external commitments do not conflict with the interests of evestor or its clients
  • Protection of information: we maintain appropriate safeguards to protect sensitive or confidential information which could give rise to conflicts of interest. These measures are designed to prevent unauthorised access, inappropriate use, or inappropriate dissemination of such information. Details of these arrangements are described in our Privacy Policy
  • Separation of functions: where our internal functions might give rise to conflicts of interest, we put in place arrangements to separate such functions and ensure that separate management and reporting lines are established

g. Conflicts Disclosure

If we are not reasonably confident that we can manage a particular conflict to adequately protect the interest of the client, we will disclose the conflict of interest before undertaking any business, so the client has an opportunity to decide whether or not to continue.

  • We may aggregate your personal data (including, if you sign up to the Account Aggregation Services, your transactions) with that of other clients and license or sell it to third parties in anonymised form

3. Glossary

App

As the context requires, such mobile application(s) and/or website(s) as we may make available from time to time to enable you to access your evestor Account and receive the evestor Services.

Business Day

Any Monday, Tuesday, Wednesday, Thursday or Friday which is not a Bank Holiday in England.

Connected Account

Such bank, credit or debit account used in the course of providing the Account Aggregation Services as described in Section 1 Part o.

Current Tax Year

The current period between 6th April and 5th April of the following year.

Data Terms

The Privacy Policy and the Website & App Terms.

Delegate

A person or entity to whom we may delegate to in order that they perform the provision of certain services to you instead of us.

evestor

E-Vest Adviser Services Limited, trading as evestor.

evestor Agreement

Means your agreement with evestor, as further defined in Section 1 Part b.

evestor Services

The services that evestor will provide to you as further defined in Section 1 Part e.

FCA Rules

The rules contained in the FCA’s handbook of rules and guidance (as may be amended and updated from time to time).

Financial Conduct Authority or “FCA”

The UK Financial Conduct Authority, or any applicable successor body.

Financial Ombudsman Service or “FOS”

The office to whom you may refer any complaint you have about the services provided to you if we cannot resolve or settle your complaint (to your satisfaction) within 8 weeks of the date you first make the complaint.

Financial Services Compensation Scheme or “FSCS”

A statutory compensation fund from which you may be able to make a claim in the event that a regulated firm (such as evestor and the Platform Provider is unable (or is likWely to be unable) to pay a claim against it.

HMRC

Her Majesty’s Revenue & Customs.

Previous Tax Year

Any previous period between 6 April and the following 5th April.

Sterling

British Pounds Sterling (the lawful currency of the United Kingdom, as at the date of this Agreement).

Terms

These Terms, which govern the relevant services provided to you by evestor and the Platform Provider and which form part of your agreement with each of them.

US Person

Any United States citizen or other person who is resident in the United States for tax purposes.

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