Terms of Business

1. Who we are.

1.1 We are Viaduct Advisory Limited (“we” “us” or “our” being construed accordingly), a company incorporated in England and Wales, and our registered office is at Third Floor, 20 Old Bailey, London, United Kingdom, EC4M 7AN. Our company registration number is 15417716, and our VAT registration number is 472 3840 84.

1.2 Viaduct Advisory Limited is an appointed representative of Bentley Reid & Co (UK) Limited, which is authorised and regulated by the FCA in the United Kingdom in relation to the provision of investment and insurance advice and discretionary investment management services.

2. These terms.

2.1 What these terms cover. These are the terms and conditions (“Terms”) on which we supply the Services to you, our customer (“you”). They are primarily intended to apply to customers who are resident in the UK. If you are resident in a country other than the UK, then there may be certain mandatory laws or regulations in your country of residence which we cannot exclude and which take priority over these Terms or relevant UK law. Also, certain references in these Terms to the FCA, Financial Ombudsman Service or Financial Services Compensation Scheme may not apply and so you should take appropriate legal advice in relation to the laws and regulations of the country in which you are resident.

2.2 Why you should read them. Please read these Terms carefully before you confirm your acceptance of them. They tell you who we are, how we will provide the Services to you how you and we may change or end the agreement between you and us, what to do if there is a problem and other important information that we are legally required to provide. If you think that there is a mistake or any item not covered in these Terms or you have any questions, please contact us, using the contact details at clause 3.3.

2.3 Our agreement with you. For the purposes of the FCA rules, these Terms, once they have been accepted by you together with other contract documents that we provide comprise our “client agreement” with you for the provision of the Services (the “Agreement”). The Schedules and other documents which are referred to hereunder or to which these Terms are appended form part of this Agreement and shall have effect as if set out in full in the body of this Agreement and any reference to this Agreement includes the Schedules (and those documents).

3. Information about us and how to contact us.

3.1 Regulatory information. Viaduct Advisory Limited is only able to provide life insurance advisory services. Our FCA registration number is 1014760. You can check our details on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/firms/systems-reporting/register or by contacting the FCA on 0800 111 6768.

Where we provide protection planning services, we are an insurance intermediary, will act on your behalf and will provide advice which is based on a fair and personal analysis of the market.

We are required by FCA rules to hold professional indemnity insurance relating to the services that we provide. If you require details of our insurer and coverage, please contact us.

3.2 Your status. In accordance with the FCA rules we have categorised you as a “retail client”. You have the right to request a different categorisation that may entail a reduction in client protections afforded to you under the law.

3.3 How to contact us. You can contact us by telephoning our client service team at +44 (0)20 3026 4082 or an email at contact@viaductadvisory.com, or by writing to us at 3rd Floor, 29 Queen Anne’s Gate, London, SW1H 9BU.

3.4 How we may contact you. If we have to contact you, we will do so by telephone or by writing to you at the email address or postal address you provided to us. To help us manage and administer your affairs properly, our representatives or employees may occasionally telephone you or call on you without notice.

4. Communications.

4.1 Data protection. We will process your details and any other personal data that (i) you provide to us verbally, by telephone or in writing or (ii) that we may need to collect about you (or anyone else) in order to provide the Services or comply with any legal or regulatory obligations in accordance with our Privacy Policy.

4.2 Written advice. We will endeavour to record all advice on matters in writing, however we may on occasion provide advice orally when the circumstances require us to do so (for example during the course of a meeting or a telephone conversation). You may request that we document our oral advice in writing.

4.3 Telephone calls. Telephone calls between us may be recorded for regulatory reasons and to maintain the quality of our service to you. We will (subject only to clause 4.8) act upon instructions received by telephone but we cannot accept any responsibility for any inconsistency between instructions that you provide by telephone and any subsequent written confirmation provided by you.

4.4 Email. You may communicate with us by e-mail, in accordance with procedures which we have notified to you via telephone or email (including security procedures and use of passwords). You acknowledge and accept the risks inherent in e-mail, particularly of its unauthorised interception and of its not reaching the intended recipient. You accept that any e-mail correspondence is deemed to have been received only at the time it is accessed by us, and that there may be a delay in responding to correspondence received via e-mail. Please notify us in writing if you do not consent to the use of e-mail as a means of communication in relation to our Services and the subject matter of these Terms.

4.5 Instructions from authorised third parties. If you authorise us via writing to accept the instructions from a third party, we will do so until you give us written notice to the contrary. The same Terms apply to any valid instructions received from an authorised third party as they do to such instructions received from you. You must ensure that your authorised third party is provided with a copy of and indicates their acceptance of these Terms.

4.6 Apparent instructions. Unless the Client Agreement specifies that we have agreed a specific verification procedure, such as password or security questions, we are not required to verify the source of instructions, whether provided by telephone or email, which appear or purport to be given by phone or sent by you or a third party authorised by you but, so long as we act reasonably and in good faith, we may rely on such instructions, by whatever means transmitted.

4.7 Confirmation of instruction. We will (subject only to clause 4.8) act on your instructions when we receive them. Once we have acted on your instructions, we will confirm to you in writing that we have done so.

4.8 Our right not to act on your instructions. We reserve the right not to act on instructions received from you if:
(a) to do so may involve us or you in a breach of Applicable Laws; or
(b) we believe on reasonable grounds that to do so would be impracticable or against your interests; or
(c) to do so would run the risk of us suffering financial loss.
We will endeavour to advise you promptly if such circumstances arise.

4.9 Language. All communications from us to you for the duration of us providing the Services to you and under the Agreement shall be in English.

5. Providing the Services.

5.1 We will provide you with the Services as agreed from time to time.

5.2 Our advised protection planning services are suitable if you are looking for the best way to protect you, your family or your business through products such as life cover and critical illness. Where we provide protection planning services we are an insurance intermediary and will provide advice which is based on a fair and personal analysis of the market.

5.3 Providing Information to your insurer. Your protection cover is based upon the information you provide to the insurance company. Where you are buying insurance as an individual, this means that you must take ‘reasonable care’ to answer all questions asked by the insurer fully and accurately. Once cover has been arranged, you must immediately notify the insurers or us of any changes to the information that you have already provided. Failure to provide accurate and up to date information may invalidate your insurance cover and mean that a claim may not be paid.

All other clients who are not categorised as a “retail client” (e.g. commercial clients) must still disclose all ‘material facts’ (any information that may influence the insurer’s decision over cover or terms) prior to inception and throughout the period of the policy. Again, failure to disclose material information may invalidate your insurance cover and could mean that a claim may not be paid.

5.4 When we will provide the Services. We will supply the Services to you from the Commencement Date until either you end the Agreement as described in clause 12 or we end the Agreement by written notice to you as described in clause 14.

5.5 Where we offer services or products as part of a package, we will tell you whether it is possible to buy the different components separately and, if relevant, disclose the costs and charges of each component. We will also tell you if the risks resulting from the package are likely to be different from the risks associated with the individual components and explain how (if relevant) the package modifies the protection risk.

5.6 We will provide you with a personal recommendation, which is based on a fair and personal analysis of the market.

5.7 Duty of care. We will provide the Services and carry out our duties under the Agreement with reasonable skill, care and diligence and in accordance with the instructions and authority you have given us.

5.8 Timing. We will use all reasonable endeavours to meet any agreed time limits, but unless agreed otherwise in writing these are only estimates and to the maximum extent legally permitted we will not be in breach of the Agreement if (despite using such reasonable endeavours) we are unable to do so.

5.9 Suitability of advice. We are required by the FCA rules not to make a personal recommendation to retail clients in respect of a protection contract unless the transaction is suitable for them, having regard to facts disclosed to us and other relevant circumstances about clients of which we are, or reasonably should be, aware.

5.10 Risk appetite and risk warnings. We will provide our financial advice services having regard to your risk profile as agreed with you and set out in writing in a suitability report or otherwise.

5.11 Your instructions to us. We will endeavour to ensure our advice and any recommendations are suitable for protection objectives, as set out in a suitability report, at a particular time. Please bear in mind that we are reliant on the information you have provided to us or have otherwise agreed in writing. This information includes details of your overall protection objectives and any protection restrictions you have told us about. Please let us know if it is incorrect or incomplete, or changes over time, as this may affect adversely the suitability of our advice.

5.12 Agency status. We will act as your agent, which means you will be bound by actions that we take within the scope of the authority that you provide us with on an ongoing basis. You acknowledge that we may also provide other services to you in the future which are subject to their own particular terms and that we also provide similar services to other clients.

5.13 Conflicts of interest. As part of an organisation which provides a number of services to a range of clients, there may be times when there is a conflict between our interests and the duty we owe to a client, or a conflict between the differing interests of two or more clients to whom in each case we owe a duty. Under the FCA rules, we are required to have in place arrangements with a view to taking all reasonable steps to prevent such conflicts of interest constituting or giving rise to a material risk of damage to the interests of our clients. We have established a comprehensive conflicts of interest policy to identify and manage such actual or potential conflicts of interest.

A summary of our conflicts of interest policy is set out in Schedule 1. Further details of the conflicts of interest policy are available on request.

6. Your obligations and responsibilities.

6.1 Acceptance and authority. You confirm that you have authority to enter into, and to instruct us, in accordance with the Agreement. If and to the extent that you are instructing us on behalf of a customer for whose benefit the Services are being provided (the ‘Actual Client’), you represent and warrant that you have the authority to act on behalf of the Actual Client in accordance with the Terms of the Agreement and we will be entitled to treat you as continuing to have such authority until we are notified otherwise. Where anyone who is acting on the Actual Client’s behalf does (or fails to do) something under these Terms, we are entitled to treat this as the Actual Client doing or failing to so that same thing.

6.2 Information. You must provide to us in a timely manner all documents, information, items and materials we reasonably require to carry out our account opening procedures, perform our duties under the Agreement and fulfil our legal, regulatory and contractual obligations in connection with or relating to the Agreement (including, but not limited to, any reporting obligations we have to HMRC or other tax and revenue authorities whether under UK or other law). You undertake and agree that:
(a) all the information you have supplied or will supply to us (including information relating to your immigration and nationality status, is complete and accurate in all material respects; and
(b) you will notify us promptly of any material change to the information (including, but not limited to, any changes to your immigration and nationality status) you supply to us.
We will not be responsible for any delay or default in providing the Services (or any part of them) or in respect of any claim, action, loss, damage, penalty, cost, expense or other liability that you may suffer as a result of you failing to provide materially complete or accurate information (or your failure to promptly notify us of any material changes to such information) where you are required to do so in accordance with this clause 6.2

6.3 What will happen if you do not provide required information to us? We will need certain information from you so that we can provide the Services to you. We will contact you to ask for this information. If you do not provide it within a reasonable time of us asking for it, or if you provide us with incomplete or incorrect information, we may either end the Agreement if such failure by you constitutes a ‘material breach’ of the Agreement (see clause 14) or may make an additional charge of a reasonable sum to compensate us for any extra work that is required or any additional costs we incur as a result. Furthermore, you accept that we will not be responsible for any adverse effect on the quality or delivery of Services or us providing the Services late or not providing any part of them, if this is caused by you not giving us the information we need (in a materially complete and accurate form) within a reasonable time of us asking for it.

6.4 Documents. You undertake to sign and/or produce, by the time we ask you to, any documents we need to enable us to carry out our duties under the Agreement.

6.5 Your responsibility. You (and, where you are an individual or individuals, your personal representatives) will co-operate with us in all matters relating to the Services and to the fullest extent legally permitted, agree to be responsible to us on our written demand for all proceedings, actions, costs and expenses (including without limit any professional legal fees), claims, demands and/or other liabilities incurred by us, our agents, or any nominee or custodian, as a consequence of:
(a) our accepting instructions from you over the telephone, by e-mail or by fax; and/or
(b) any material breach by you of any of the terms of the Agreement (except to the extent of any liability caused by our breach of the Agreement or by the negligence or wilful default of us or our agents).

7. Remuneration.

7.1 How we are remunerated. We may receive commission from a product provider in relation to an insurance product we have arranged for you. The amount of commission is a percentage of the total annual premium and we will tell you the amount before we carry out business for you.

7.2 Although you may pay nothing to us up front, this does not mean that our Services are free. You still pay us indirectly through deductions from the amount that you pay into your product.

7.3 In respect of any regular premium policy which we have arranged for you, should you subsequently cease to pay premiums on the policy and in consequence we are obliged to refund the commission that has been paid to us, we reserve the right to charge you a fee representing the amount we have to repay, for a period of up to four years after commencement of the policy. We will confirm the exact amount that will need to be repaid by you and the timescale over which it will need to be repaid in the suitability report we will send you when a recommendation is made. We will not charge any such fee if you exercise your right to cancel in accordance with any cancellation notice sent to you by the life insurance company.

7.4 Third party commissions. In some circumstances, we may receive commissions or other benefits for introductions to other professionals or in respect of transactions which we arrange for you. Where this happens we will notify you in writing of the amount and terms of payment and receipt of any such commissions or benefits. The same will apply where the payment is made to or the transactions are arranged by a person or business connected with ours.

8. Changes to the services.

8.1 Your rights to make changes. If you wish to make a change to the nature or scope of the Services, please contact us. We will let you know if the change is possible. If it is possible, we will let you know about any resulting changes to the Charges, the timing of the Services or anything else which would be necessary as a result of your requested change and then ask you to confirm whether you still wish to go ahead with the change.

8.2 Our rights to make minor changes. We may change:
(a) the nature or scope of the Services or the terms of the Agreement if needed to reflect changes in Applicable Laws; and
(b) the nature or scope of the Services to implement minor technical adjustments and improvements, for example to address a security threat, but we will do our best to minimise the effect of any such changes on your use of the Services.

8.3 Our rights to make significant changes. If we wish to make significant changes to the nature or scope of the Services or the Agreement, we will notify you in writing. You may then contact us to end the Agreement not later than the date such change takes effect without any liability.

8.4 Timing. We will notify you in writing as soon as possible about when any changes we propose will take effect, but this will not be less than 30 days from the date of such notice unless there we must make a change at short notice to protect our business or customers from serious risk or Applicable Laws require a shorter period.

9. Confidentiality.

We will use ensure that all information of a private or confidential nature relating to you and your portfolio (the “Confidential Information”) that we hold or control is kept confidential. However, you authorise us to disclose information (whether Confidential Information or not):
(a) to our employees (or employees of our agents or other persons appointed by us in connection with your portfolio) who need to know or have access to such information for the purposes of carrying out our duties under the Agreement;
(b) to the FCA or any other regulatory authority, to the extent that they have asked for information and are legally entitled to the information sought;
(c) otherwise as we may be legally required to disclose by Applicable Laws, a court of competent jurisdiction, any governmental or regulatory authority; and
(d) in the circumstances described in our privacy policy.

9.2 These duties of confidentiality will survive cancellation or termination of the Agreement.

10. How we may use your personal data.

10.1 We will comply with Data Protection Law when processing your personal data in connection with the Services, including (but not limited to) taking appropriate technical and organisational measures to keep your personal data secure against unauthorised or unlawful processing and against accidental loss, destruction or damage.

10.2 We will use the personal data that you provide to us or that we may collect for the purpose of providing the Services in accordance with our Privacy Policy.

11. Our right to suspend the Services.

11.1 Reasons we may suspend the services. We may have to suspend the Services to:
(a) deal with technical problems or make minor technical changes;
(b) update the Services as needed to reflect changes in Applicable Laws;
(c) make changes to the Services as requested by you or notified by us to you (see clause 8).

11.2 Your rights if we suspend the Services. Unless the problem is urgent or an emergency, or unless we are prevented by Applicable Laws from doing so, we will contact you in advance to tell you we will be suspending the Services. You may contact us to end the Agreement if we suspend the Services or if we tell you we are going to suspend them.

12. Cancellation Rights.

12.1 Where you are acting as a consumer (outside your business or profession) you have a legal right to cancel the Agreement by giving us written notice stating your wish to cancel via email (or by sending the model cancellation form in Schedule 4) to contact@viaductadvisory.com no later than 14 days after the Commencement Date.

12.2 In the event of such cancellation, we will refund any Charges you have paid prior to the date of cancellation, less any amounts that we are entitled to charge or be reimbursed for as described in clause 12.3.

12.3 No charge or penalty will apply in relation to your cancellation, but you will have to pay a fair proportion of any Charges for any Services that we provided with your consent before the date of your notice of cancellation, together with any additional expenses necessarily incurred by us (or by a third party acting on our behalf) in connection with those Services and any fees or charges necessarily incurred by us in concluding outstanding transactions that were entered into with your consent. Cancellation will not affect any legal rights which have been created or existing commitments that have been duly entered into on your behalf and with your consent prior to the date of cancellation that cannot be cancelled, nor any contractual provisions under the Agreement that are required or intended to survive termination of the Agreement (for example, the duty of confidentiality under clause 9 of these Terms).

12.4 You acknowledge that you will lose the cancellation rights referred to above where we have completed the performance of Services that you (or someone acting under your authority) expressly requested that we provide.

13. Your rights to end the agreement.

13.1 You can always end the Agreement before the Services have been supplied and paid for. You may contact us at any time to end the Agreement, but in some circumstances we may charge you certain sums for doing so, as described below.

13.2 What happens if you have good reason for ending the Agreement? If you are ending the Agreement for a reason set out at (a) to (d) below the Agreement will end immediately. The relevant reasons are:
(a) we have told you about an upcoming significant change to the Services or these Terms to which you do not agree (see clause 8.3);
(b) there is a risk the Services may be significantly delayed because of events outside our control;
(c) we suspend the services for technical reasons, or notify you are going to suspend them for technical reasons; or
(d) you have a legal right to end the Agreement because of something we have failed to do or done wrong under these Terms or Applicable Law.

13.3 Death. Unless you are more than one individual, your death will automatically end the Agreement and we will cease to provide advice on receiving notice of your death. If you are more than one individual, the death of one of you will not end the Agreement and we will continue to provide the Services to the survivor or survivors.

14. Our rights to end the Agreement.

14.1 Unless specifically agreed otherwise in writing between us, we may terminate the Agreement by giving you one month’s written notice at any time.

14.2 We may end the Agreement if you break it. We may end the Agreement at any time by writing to you if you do not, within a reasonable time of us asking for it, provide us with information that is necessary for us to provide the Services.

14.3 We may stop providing the Services. We may write to you to let you know that we are going to stop providing the Services for regulatory or operational reasons. We will endeavour to let you know at least 30 days in advance of our stopping the services.

15. What happens if either of us ends the agreement?

15.1 Ending the Agreement will not affect the completion of transactions to which we or our agents are committed to with your consent or authority, or where either you or us have any existing legal rights that exist at the date of termination or there is any provision of the Agreement that is expressed or intended to survive termination. In particular, you will have to pay:
(a) any additional expenses we necessarily incur in terminating the Agreement; and
(b) any losses we necessarily realise in settling or concluding any outstanding obligations.

16. Limitations and Exclusions of Liability.

YOUR ATTENTION IS DRAWN TO THIS CLAUSE AS IT DESCRIBES SOME LIMITATIONS AND EXCLUSIONS IN RELATION TO OUR LIABILITY TO YOU

16.1 Nothing in these Terms is intended to restrict or affect any statutory rights you have as a consumer under Appliable Law.

16.2 Our total liability to you in respect of breach of contract, negligence or in relation to any other claim of any nature arising out of the Services (or claim that the Services were not properly provided or that we have done something wrong under the Agreement or Applicable Laws) shall be limited to £10,000. This limit may be modified where we have each agreed to do so under the Client Agreement and shall not apply to the extent that we are not legally allowed to apply such a financial limit to any claim you have.

16.3 We shall not be liable for any loss, damage or liability that you suffer or incur to the extent that this is caused by your negligence or failure to comply with your obligations as described under these Terms.

16.4 Except as expressly stated in this clause 16 of these Terms, we shall not be liable for any direct, indirect, special or consequential loss or damage loss incurred by you, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable, provided that this shall not prevent claims for loss of or damage to your tangible property or any other claims for direct financial loss you suffer provided that these are not within any of the categories set out below (which are excluded as far as legally permitted):
1. loss of income or revenue;
2. loss of anticipated savings;
3. loss of data; or
4. wasted management or office time.

16.5 This clause 16 does not exclude or limit any liability for death or personal injury caused by negligence; for fraud or wilful misconduct or in respect of any other liability which we are not legally permitted to exclude or restrict.

17. Disputes and Redress.

17.1 Complaints. If you have a complaint in respect of our Services you should contact our Compliance Officer through the following details:

Email contact@viaductadvisory.com
Phone +44 (0)20 3026 4082
Address: 29 Queen’s Annes Gate, London, SW1H 9BU.

Further details of our internal complaints policy are available on request.

17.2 Alternative dispute resolution. Alternative dispute resolution is a process where an independent body considers the facts of a dispute and seeks to resolve it, without you having to go to court. If you are not happy with how we have handled any complaint, you may have a right to complain directly to the Financial Ombudsman Service (FOS), please see FOS website at www.financial-ombudsman.org.uk. If you want to exercise this right please let us know and we will send you further details.

17.3 Compensation. If we are unable to meet our financial obligations to you, you may be able to claim compensation from the Financial Services Compensation Scheme (“the FSCS”). In respect of insurance, in the majority of cases, eligible claims related to advising and arranging of protection products are covered for either 90% or 100% of the claim, without any upper limit. For further information about the FSCS (including amounts covered and eligibility to claim) please see the FSCS website at https://www.fscs.org.ukor telephone us on +44 (0)20 3026 4082

17.4 Financial Difficulties. In the event that you experience financial difficulties you should contact your financial adviser.

17.5 If any provision of these Terms is found by any court, tribunal or administrative body of competent jurisdiction to be wholly or partly illegal, invalid, void, unenforceable or unreasonable, such provision (if legally possible) shall to the extent of such illegality, invalidity, voidness, unenforceability or unreasonableness be deemed severed from the remaining portion of these Terms and the remainder of these Terms shall continue in full force and effect.

17.6 Failure or delay by you or us in enforcing any legal rights we have under the Agreement shall not be interpreted as you or us as having waived those rights and any time that you or us waive any wrongdoing under the Agreement this shall not be interpreted as also being a waiver by your or us of any subsequent wrongdoing.

17.7 These Terms are not intended to give any legal rights to anyone else under the Agreement apart from any rights that exist between you and us.

17.8 These Terms and any questions regarding their formation, enforceability or interpretation shall be governed by English law and the parties submit to the jurisdiction of the English courts. The restriction in the previous sentence does not apply to the extent that you are a consumer who is resident in another country and have a compulsory legal right under Applicable Law to be able to raise a claim or regulatory complaint in your home country which cannot be contractually excluded or restricted, in which case, nothing in these Terms will prevent you from exercising such compulsory legal right.

Schedule 1 – Conflict of Interest policy

A conflict of interest is a situation which arises when:

• our interests, or the interests of one of our employees, conflict with the duties we owe to a client; or

• the duties we owe to one client conflict with the duties we owe to another client.

We will take all reasonable steps to identify conflicts of interest arising and to manage potential conflicts in a way that is fair to our clients and in accordance with our conflicts of interest policy.

This Schedule contains a summary of our conflicts of interest policy. If you would like further information, please contact us.

We avoid and manage these conflicts through a number of policies and procedures. These include:

• Maintaining a confidentiality policy. All staff are required to maintain the confidentiality of client information. Such information should not be accessed or communicated except for legitimate business reasons.
• Disclosing in accordance with market practice. General potential conflicts inherent to the nature of our business and the structure of the market are disclosed in the written contracts concluded with clients.
• Obtaining clients’ informed consent. Following disclosure of specific conflicts arising in particular transactions or situations, client consent is received before proceeding.
• Maintaining appropriate and transparent charging policies. Our charging rates are set out in Schedule 2.

Schedule 2 – Charges

We will provide you with details of any relevant fees that we will charge or commission that we receive before or when we provide you with the report of advice as part of the Services.

Schedule 3 – Definitions

“Applicable Laws” Means:

(a) any law, statute, regulation, by-law or subordinate legislation in force from time to time;
(b) any common law or equitable rules;
(c) any binding court order, judgment or decree; or
(d) any applicable direction, policy, rule or order given by any regulatory body

that is binding on us or you and which applies to these Terms and their subject matter in the United Kingdom (or another country where you are resident in so far as their application is compulsory and cannot be contracted out of).

“Charges” has the meaning given to it and more closely described in Schedule 2.

“Commencement Date” the date on which you request or agree to receive all or any part of the Services (such as continuing to engage with us after receiving a report of advice).

“FCA” the Financial Conduct Authority, the financial conduct regulatory body in the UK.

“Services” the provision by us to you of life insurance advisory services.

Schedule 4 – Model Cancellation Form

(Complete and return this form only if you wish to withdraw from the Agreement as described in clause 12 (Cancellation Rights) of the Terms)

To: Viaduct Advisory Limited, c/o Bentley Reid, Floor 3, 29 Queen Anne’s Gate, London, SW1H 9BU
Tel: +44 (0)20 3026 4082
Email: contact@viaductadvisory.com

I/We [*] hereby give notice that I/We [*] cancel my/our [*] contract of sale for the supply of the following service [*],

Ordered on [*]/received on [*],

Name of consumer(s),

Address of consumer(s),

Signature of consumer(s) (only if this form is notified on paper),

Date

[*] Delete as appropriate.