Quilter – asking the questions that count since 1771

This page tells you the terms (“Terms”) on which you may make use of our website www.quilter.com/uk (“Website”). Please read these Terms carefully before using the Website. BY USING OUR WEBSITE, YOU INDICATE THAT YOU ACCEPT THESE TERMS AND THAT YOU WILL ABIDE BY THEM. If you do not agree to these Terms, you must not use our Website.

This Website is directed at residents of England, Northern Ireland, Wales and Scotland only. Investors in: (1) the Channel Islands should access www.quilter.com/je, (2) the Republic of Ireland should access www.quilter.com/ie, and (3) other countries should access www.quilter.com.

The information and services referred to on this Website are not directed at, or offered to, any person or entity in a jurisdiction where (1) the advertisement, offer or sale of such is restricted or prohibited by law or regulation, or (2) Quilter would be subjected to a registration or licensing requirement which it does not have (see below for details of our regulators). The distribution of information in certain countries may be restricted by local law. Accordingly, if you access this Website you must inform yourself of, and comply with, any such restrictions.

• Accessing our Website
  
  References to: 'you', 'your' and 'yours' are references to the person(s) accessing the Website; 'we', 'us' and 'our' are references to Quilter & Co. Limited; and the 'Quilter Group' are references to Quilter & Co. Limited its subsidiaries and parent entities.
  
  These Terms are to be read by you together with any terms, conditions and disclaimers provided in the other pages of the Website. In the event of any conflict, the terms, conditions and disclaimers provided in the other pages of the Website shall prevail over these Terms.
  
  This Website and the Terms may be changed at any time without notice. You agree to review the Terms regularly and your continued access to the Website will mean that you agree to any changes which have been made.
  
  Material on our Website may be out of date at any given time, and we are under no obligation to update it.
  
  You are responsible for: (1) making all arrangements necessary for you to have access to our Website; and (2) ensuring that all persons who access our Website through your internet connection are aware of, and comply with, these Terms.
  
  If you are provided with a user identification code, password or any other information as part of our security procedures, you must treat such information as confidential, and you must not disclose it. Quilter may disable any user identification code or password, whether chosen by you or allocated by us, at any time, if you have failed to comply with these Terms.

Corporate Information

This Website is operated by Quilter: the trading name of Quilter & Co. Limited, a private limited company registered in England and Wales with number 01923571.

Registered office: St Helen’s, 1 Undershaft, London EC3A 8BB.

Quilter has established a branch in Dublin, Ireland with number 904906.

UK VAT registration number: GB 125 4674 14. Dublin VAT registration number: 9973747P.

Regulators

Authorised and regulated by the UK Financial Conduct Authority (“FCA”) (with number 124259). For more information please see http://www.fca.org.uk/consumers or contact: The Financial Conduct Authority, 25 The North Colonnade, Canary Wharf, London E14 5HS; tel: +44 (0)20 7676 1000; fax: +44 (0)20 7676 1099.

Regulated by the Central Bank of Ireland for conduct of business rules.

Regulated under the Financial Services (Jersey) Law 1998 by the Jersey Financial Services Commission for the conduct of investment business in Jersey and by the Guernsey Financial Services Commission under the Protection of Investors (Bailiwick of Guernsey) Law, 1987 to carry on investment business in the Bailiwick of Guernsey.

Regulated by the Financial Services Board in South Africa (http://www.fsb.co.za); details available on request.

Accordingly, in some respects the regulatory system that applies will be different from that of the United Kingdom.

Member of the London Stock Exchange.

Intellectual property rights

Quilter is the owner or licensee of all intellectual property rights in our Website, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print one copy, and may download extracts, of any page(s) from our Website for your personal reference and you may draw the attention of others within your organisation to material posted on our Website.

You must not modify or separate any sections of the paper or digital copies of any materials you have printed or downloaded.

Our status (and that of any identified attribution) as the authors of material on our Website must always be acknowledged.

You must not use any part of the materials on our Website for commercial purposes without obtaining a licence to do so from us.

If you print, copy or download any part of our Website in breach of these Terms, your right to use our Website will cease immediately and you must return or destroy any copies of the materials you have made.

Quilter does not accept responsibility for any alterations to the content of this Website unless made or approved by Quilter.

“Quilter”, the “Quilter” logo and “Quarrier” are registered Community Trade Marks and remain the exclusive property of Quilter & Co. Limited. You are prohibited from using these marks for any purpose without Quilter’s prior written authority.

Our liability

Whilst we have taken reasonable steps to ensure the accuracy, adequacy, quality, fitness for purpose or use, currency, availability, correctness and completeness of the information contained on the Website, information is provided on an "as is", "as available" basis and we do not give or make any guarantee, condition, warranty or representation of any kind, whether express or implied. The use of the Website is at your sole risk.

To the extent permitted by law, the Quilter Group hereby expressly excludes: (1) all conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity; and (2) any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our Website or in connection with the use, inability to use, or results of the use of our Website, any websites linked to it and any materials posted on it, including, without limitation any liability for: loss of income or revenue; loss of business; loss of profits or contracts; loss of anticipated savings; loss of data; loss of goodwill; wasted management or office time; and for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable, provided that this condition shall not prevent claims for loss of or damage to your tangible property or any other claims for direct financial loss that are not excluded by any of the categories set out above.

Quilter also accepts no liability in respect of losses or damages arising out of changes made to the content of this Website by unauthorised third parties.

This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law, in particular we do not exclude or restrict our duties and liabilities to you under the UK Financial Services and Markets Act 2000 (as amended), or the rules of the FCA or successor authority for the conduct of business.

Quilter does not represent or warrant that the Website will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back up of data and equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information on our Website.

Before acting on any information obtained from this Website you should check it by calling your local Quilter office.

Viruses, hacking and other offences

You must not misuse our Website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Website, the server on which our Website is stored or any server, computer or database connected to our Website. You must not attack our Website via a denial-of-service attack or a distributed denial-of service attack.

By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. Quilter will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Website will cease immediately.

Quilter will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our Website or to your downloading of any material posted on it, or on any website linked to it.

Linking to and from our Website

You may link to our Website, if done fairly and legally and it does not damage or take advantage of our reputation or suggest any form of association, approval or where none exists.

You must not establish a link from any website that is not owned by you.

Our Website must not be framed on any other site, nor may you create a link to any part of our Website other than the home page. Quilter may withdraw linking permission without notice.

Data protection, cookies and privacy

Quilter will endeavour to take all reasonable steps to protect your personal data but cannot guarantee the security of data disclosed on-line. You accept the inherent security implications of passing information over the internet and agree to the provision of our on-line services at your own risk.

Quilter may as a result of your interaction with the Website hold and process personal information obtained about you when you access the Website and use it for making decisions and servicing our relationship with you, for the purposes of fraud prevention and debt collection, to understand your financial needs, to conduct our business and to provide you with better customer services and products from both within the Quilter Group and those of selected third parties, to evaluate the effectiveness of our marketing of the Website and for statistical analysis. Quilter may pass this information to other members of the Quilter Group or agents, as permitted by law so that they may do the same and they may pass information held by them about you to us so that we may do the same. Quilter will not disclose any such information outside the Quilter Group except for fraud prevention purposes, if required by law, governmental or judicial bodies or agencies, to our regulators under proper authority, under a strict code of secrecy to sub-contractors or persons acting as our agents, or where we have your consent or have previously informed you.

Quilter may also in connection with the above and the provision of the Website transfer your personal data to countries outside the European Economic Area (“EEA”) which may not provide the same level of protection for personal data as within the EEA. However, all personal data wherever it is held in the Quilter Group or by its sub-contractors or agents will be afforded a high level of protection against any unauthorised or accidental disclosure, access or deletion. By agreeing to these Terms you agree to such data being so used and that it may be transmitted to others as stated above.

To maintain the security of its systems, protect its staff and detect fraud and other crimes, the Quilter Group reserves the right to monitor all internet communications, including web and e-mail traffic, into and out of its domains. Such monitoring includes, but is not limited to, checks for viruses and other malignant code, criminal activity and use or content which breaches the Quilter Group’s internal policies. The Quilter Group also reserves the right not to deliver any communication that breaches its internal policies.

Quilter may monitor, record, store and use any telephone, e-mail or other communication with you (in order to check any instructions given to us, for training purposes, for crime prevention and to improve the quality of our customer service).

If your personal information changes, please assist us by informing us of any changes.

From time to time, Quilter and associated companies may wish to send you direct marketing information.

The Website provides existing clients with the facility to use a cookie for the on-line account facility. A cookie is a text file that is stored on your computer. This means that if you elect to save your user ID and password they will be saved on your computer. When you next access the on-line facility from the same computer your user ID and password will automatically appear. For further information, please see our Privacy and Cookies Policy. By using our Website, you consent to such policy.

Quilter processes information about you in accordance with our Privacy and Cookies Policy. By using our Website, you consent to such processing and you warrant that all data provided by you is accurate.

Our services

This Website may contain financial promotions. Please read the warnings and terms and conditions on such promotions carefully, and refrain from viewing such promotions if you are unable to comply with their terms and conditions.

All of our services and those of other members of the Quilter Group are subject to the terms and conditions of the applicable agreement governing their use. Our standard terms and conditions for services delivered to clients from the United Kingdom are here. This agreement (comprising the enclosed terms and conditions, risk disclosure, order execution policy, list of execution venues and ISA terms and conditions) shall come into force from 15 November 2012. Our standard terms and conditions for financial advisers are here. This agreement (comprising the enclosed terms and conditions, risk disclosure, order execution policy, list of execution venues and ISA terms and conditions) shall come into force from 15 November 2012. By continuing to access this Website, if you have not already confirmed your acceptance or explicitly agreed alternative terms with Quilter, you shall be deemed to have accepted the terms and conditions applicable to you.

For information regarding ISAs or consumer credit, please contact your investment manager.

Risk warnings

Certain investments carry a higher degree of risk than others and are therefore unsuitable for some investors.

Nothing contained on this Website constitutes investment, legal, tax or other advice and is not to be relied on in making an investment or other decision. You should obtain relevant and specific professional advice (legal, tax, financial and other) before making any investment decision.

The Website has been prepared for information purposes only and is not a solicitation, or an offer, or an invitation to buy or sell any security, other investment or investment advice. It does not purport to be a complete description of our investment policy, markets or any investments. All expressions of opinion are subject to change without notice.

The Quilter Group, associated companies and their employees may make markets, specialise in, have positions in, and effect transactions in, securities of companies researched and traded by us.

Any references to our model portfolios, which are used for internal purposes, are purely illustrative.

Past performance and forecasts are not necessarily a guide to, or reliable indicator of, future performance or results. The value of investments, and the income from them, can go down as well as up, and you may not recover the amount of your original investment.

Changes in exchange rates or taxation may have an adverse effect on the price, value or income of investments. Returns may increase or decrease as a result of currency fluctuations, and tax treatment depends on the individual circumstances of each client and may be subject to change in the future.

Certain investments have no recognised market and it may therefore be difficult for you to deal in them or obtain reliable information about their value or risks.

For a more detailed list of risk warnings, please see Annex 1 of our terms and conditions. This agreement (comprising the enclosed terms and conditions, risk disclosure, order execution policy, list of execution venues and ISA terms and conditions) shall come into force from 15 November 2012.

We are required to disclose whether or not we conform to the requirements of the UK Financial Reporting Council’s Stewardship Code (the "Code"). Adherence to the Code is voluntary. Quilter pursues a range of investment strategies (as can be seen from the other pages of this Website). While Quilter supports the objectives of the Code, it does not consider it appropriate to commit to any particular voluntary code of practice.

Complaints and compensation

We place great importance on providing the highest standards of service. However, if you are not satisfied with any aspect of our service, please advise your investment manager, or if your complaint relates to your investment manager, their Group Head or the Head of Compliance. Please see our complaints brochure for further information.

The Financial Ombudsman Service acts independently as an unbiased adjudicator; further details can be found on: www.financial-ombudsman.org.uk.

Quilter is a member of the Financial Services Compensation Scheme; details can be found on www.fscs.org.uk.

Jurisdiction and applicable law

The English courts shall have exclusive jurisdiction over any claim arising from, or related to, our Website.

These Terms, and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims), shall be governed by, and construed in accordance with, the laws of England and Wales.

Quilter & Co. Limited, its subsidiaries and parent entities ("We" or "Quilter") are committed to protecting and respecting your privacy.

This policy (together with our terms of use sets out the basis on which: (1) any personal data we collect from you, or that you provide to us, will be processed by us; and (2) we use cookies. Please read the following carefully to understand our views and practices.

For the purpose of the Data Protection Act 1998 (the “Act”), the data controller is Quilter & Co. Limited of St Helen’s, 1 Undershaft, London EC3A 8BB.

It also prohibits the receipt or agreement to receive anything of value that results, or may result, in the improper performance of their duties by a Quilter employee.

Quilter does not permit the making of facilitation payments on its behalf. Gifts and entertainment provided by or to Quilter or its employees must be for bona fide business purposes only, reasonable in scale and frequency, proportionate to the nature of the relationship and status of the invitees, and transparent.

Breach of Quilter’s policy may result in dismissal of an employee and the termination of a business relationship with a third party engaged to provide goods or services to or on behalf of Quilter.

Information we may collect from you

We may collect and process the following data about you: (1) information that you provide by filling in forms on our website www.quilter.com (and associated sites such as www.quilter.com/uk, www.quilter.com/je and www.quilter.com/je) (together, “Website”); (2) information when you report a problem with our site; (3) if you contact us, we may keep a record of that correspondence; (4) we may also ask you to complete surveys that we use for research purposes; and (5) details of your visits to our site and the resources that you access.

IP addresses

We may collect information about your computer, including where available your IP address, operating system and browser type, for system administration and to report aggregate information to our advertisers. This is statistical data about our users' browsing actions and patterns, and does not identify any individual.

Cookies

• Quilter and other persons acting on our behalf use cookies and similar technology on the websites to collect information from visitors to its websites. Cookies are small, usually randomly encoded, text files that help your browser navigate through our Website. The cookie file is generated by our Website when you access it and is accepted and processed by your computer's browser software. The cookie file is stored in your browser's folder or subfolder.
  
  
• Cookies enable Quilter to compile statistical information about how you use our Website, including information relating to the frequency of visits, IP addresses, the average length of visits, which pages are viewed during a visit, the effectiveness of advertising on our Website, authentication information, acceptance or rejection of website terms, periods of inactivity, time zones, language preferences and other regional information.
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  Quilter and other persons acting on our behalf use this cookie information for the following purposes: to improve the Website content and performance; to estimate our audience size and usage pattern; to speed up your searches; to enable log in and authentication when you log on; to recognise you when you return; and to deliver a better and more personalised service by allowing us to customise our site according to your individual interests.
  
  
• Information held in cookies set by Quilter is kept to a minimum and can only be read by Quilter, our associate firms, their authorised third parties or someone who has physical access to your personal computer. Many web browsers allow you to control the use of most cookies through their browser settings. To learn more about cookies, including information on what cookies have been set on your computer and how cookies can be managed and deleted, visit www.allaboutcookies.org.
  
  
• Our Website also uses Google Analytics to track your activity. To opt out of being tracked by Google Analytics across all Website visits see: http://tools.google.com/dlpage/gaoptout.
  
  
• Unless you have adjusted your browser settings so that it rejects cookies, our system will issue cookies when you access or use our Website. By accessing or using our Website you consent to Quilter using cookies. If you refuse to accept cookies by adjusting your browser setting, some or all areas of our Website may not function properly or may not be accessible.
  
  

Where we store your personal data

• The data that we collect from you may be transferred to, and stored at, a destination outside the European Economic Area ("EEA"). It may also be processed by staff operating outside the EEA who work for us or for one of our suppliers. Such staff may be engaged in, among other things, the provision of support services. By submitting your personal data, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy.
  
  
• Where we have given you (or where you have chosen) a password which enables you to access certain parts of our site, you are responsible for keeping this password confidential. Do not share a password with anyone.
• 
  Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.
  
  

Uses made of the information

• We use information held about you in the following ways: to ensure that content from our site is presented in the most effective manner for you and for your computer; to provide you with information, products or services that you request from us or which we feel may interest you (where you have consented to be contacted for such purposes); to carry out our obligations arising from any contracts entered into between you and us; to allow you to participate in interactive features of our service; and to notify you about changes to our service.
• 
  We may also use your data, or permit selected third parties to use your data, to provide you with information about goods and services which may be of interest to you and we or they may contact you about these.
  
  
• If you are an existing customer, we will only contact you by electronic means with information about goods and services similar to those which were the subject of a previous sale to you.
  
  
• If you are a new customer, and where we permit selected third parties to use your data, we (or they) will contact you by electronic means only if you have consented to this.
  
  
• If you do not want us to use your data in this way, or to pass your details on to third parties for marketing purposes, please inform us.
  
  

Disclosure of your information

• We may disclose your personal information to any member of our group, which means our subsidiaries and our ultimate holding company and its subsidiaries (as defined in section 1159 of the UK Companies Act 2006).
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  We may disclose your personal information to third parties: in the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets; if we or substantially all of our assets are acquired by a third party, in which case personal data held by us about our customers will be one of the transferred assets; if we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our terms of use and other agreements; or to protect the rights, property, or safety of Quilter, our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.
  
  

Your rights

• You have the right to ask us not to process your personal data for marketing purposes. We will usually inform you (before collecting your data) if we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes. You can exercise the right at any time by contacting us at Head of Compliance, Quilter, St Helen’s, 1 Undershaft, London EC3A 8BB.
  
  
• Our site may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.
  
  

Access to information

The Act gives you the right to access information held about you. Your right of access can be exercised in accordance with the Act. Any access request may be subject to a fee of £10 (or local currency equivalent) to meet our costs in providing you with details of the information we hold about you.

Changes to our privacy policy

Any changes we may make to our privacy policy in the future will be posted on this page.

Contact

Questions, comments and requests regarding this privacy policy should be addressed to: Head of Compliance, Quilter, St Helen’s, 1 Undershaft, London EC3A 8BB.

Our commitment to fair treatment

Quilter & Co. Limited (“Quilter”) is committed to integrity and high ethical standards in the conduct of its business and expects the same of all persons employed or otherwise engaged to provide services on its behalf. Quilter policy prohibits the offering, promising, giving or authorising of others to give anything of value, either directly or indirectly, to any party in order to:

Influence official action;
Improperly obtain or retain business; or
Otherwise to gain an improper business advantage.

It also prohibits the receipt or agreement to receive anything of value that results, or may result, in the improper performance of their duties by a Quilter employee.

Quilter does not permit the making of facilitation payments on its behalf. Gifts and entertainment provided by or to Quilter or its employees must be for bona fide business purposes only, reasonable in scale and frequency, proportionate to the nature of the relationship and status of the invitees, and transparent.

Breach of Quilter’s policy may result in dismissal of an employee and the termination of a business relationship with a third party engaged to provide goods or services to or on behalf of Quilter.

What “Investment Fraud” is?

Investment frauds may take various forms, the most common of which are described below:

1. Boiler Room/Share Sale fraud – share scams are often run from ‘boiler rooms’  where fraudsters cold-call investors offering them shares that are often worthless, overpriced or even non-existent.  While the schemes promise high returns, investors usually lose their money.  A variation on the boiler room scenario is where fraudsters cold-call victims of fraud and offer to recover the funds for them on payment of upfront costs and fees. 
   
   
2. Land Banking – land banking companies divide land into smaller plots to sell onto investors on the basis that, once available for development, the value will soar.  However, often the land will be in rural areas with little chance of obtaining planning permission.  The investment in many cases will be worthless as the plot sizes are so small.
   
   
3. Ponzi/Pyramid Schemes – these schemes promise investors high returns or dividends not usually available through traditional investments.   While they may meet this promise to early investors, people who invest later will usually lose their money.  The schemes collapse when the unsustainable supply of new investors dries up.  Investors will usually find most or all of their money is gone, and that the fraudsters who set up the scheme have claimed much of it for themselves.
   
   
4. Carbon Credit Schemes – Firms may try to sell carbon credit certificates or get the investor to invest directly in a ‘green’ scheme or project that generates carbon credits as a return on their investment.  These firms will often use dubious, high pressure sales tactics and target vulnerable consumers.  Carbon credits can be sold and traded legitimately and there are many reputable firms operating in the sector.
   
   
5. Unauthorised Collective Investment Schemes – investors can also fall victim to other types of investment scam that are set up as an unauthorised collective investment scheme (ie a pooled fund).

An important thing to remember is that any investment activity with an overseas or an unregulated company will not be protected by UK financial services law and regulation and other consumer protection legislation.

Warning signs

1. An overseas broker or equivalent who is not regulated in the UK or elsewhere;
2. Offers of free research or a loan facility;
3. An offer to sell struggling stocks, often at a price above market value;
4. A proposal to invest the proceeds in a bond or share promoted by the broker or equivalent;
5. A requirement to sign a non-disclosure agreement before entering into the suggested transaction;
6. The broker or equivalent having no obvious track record and the website being very recent;
7. Requests for upfront fees or costs;
8. Requests for payments to be sent to third parties in overseas locations not otherwise connected with the relationship;
9. Very expensive dealing charges;
10. Estimated returns being unrealistic against current market conditions and returns available elsewhere;
11. High pressure sales tactics.

If an offer seems too good to be true, it probably is!

What to do if approached or defrauded

1. Due diligence – check if the firm approaching you is regulated by the FCA.  The FCA maintains a Register of all authorised firms operating in the UK, and also lists of unauthorised firms who are active in the UK and should be avoided.  Other web searches may also reveal whether the firm is regulated elsewhere, the length and robustness of their track record, and if there are any chat-rooms or other sources that indicate that the firm is, or is likely to be, involved in a scam.
   
   
2. If being pestered with high pressure sales tactics, tell the fraudsters that you have given full details and paperwork to your UK stockbroker and that their Compliance Department is now looking into the matter.  The knowledge that a legitimate firm is looking into them should be enough to deter further sales calls.
   
   
3. Reporting:
   - if a victim, report to Action Fraud on 0300 1232040 or to your local police force.  If preferred you can also make an anonymous call to Crimestoppers on 0800 555111. 
   Action Fraud also has an on-line reporting form.
   
   - if the fraud involves a UK regulated bank or other firm contact the FCA consumer helpline on 0800 111 6768 (or the main switchboard if from overseas) or send an email to consumer.queries@fca.org.uk. 
   The FCA also has an on-line reporting form.
   
   
4. Both Action Fraud and the FCA provide guidance on how to avoid falling victim to investment and other kinds of fraud.
   
   http://www.actionfraud.police.uk/types_of_fraud
   
   http://www.fca.org.uk/consumers/scams-and-swindles