Regulatory Information & Disclosures

1. About Global Investments

Global Investments is an independent international wealth management firm established in 1994. The firm has over 32 years of experience advising private clients, expatriates and high-net-worth individuals on investments, tax planning, retirement, estate planning and citizenship solutions.

We serve clients across multiple jurisdictions, with a particular focus on internationally mobile individuals and families who require coordinated advice spanning different tax systems, investment markets and regulatory frameworks.

Global Investments is registered in the British Virgin Islands. Regulated financial services are provided through the authorised entities set out in section 2 below.

2. Regulatory Status and Authorisation

Global Investments is an independent international advisory group. It is not authorised or regulated by the UK Financial Conduct Authority (FCA) or by the Cyprus Securities and Exchange Commission (CySEC). Regulated services are provided through the following authorised entities:

European Union — Insurance Brokerage: provided via NFS Insurance Advisors, Agents and Sub Agents Ltd, regulated by the Insurance Companies Control Service (ICCS), Licence No. 5689.

Non-EU — Investment Advice & Insurance Brokerage: provided via Financial Services Network Ltd, regulated by the Mauritius Financial Services Commission, Licence No. C116016070 (www.fsn-ltd.com).

The entity responsible for any particular service, and the regulatory protections that apply, will be confirmed to you in writing in your Client Agreement before that service begins. Where a service constitutes a regulated activity in a jurisdiction in which neither entity is authorised — for example, advising on the transfer of a UK-registered defined benefit pension, which is a regulated activity under UK law — that advice is provided or arranged through an appropriately authorised third-party specialist.

3. Investment Risk Warnings

Investing involves risk. Before making any investment decision, please read and understand the following risk disclosures.

Capital at risk

The value of investments can fall as well as rise. You may get back less than the amount you invest. Capital is not guaranteed unless a specific capital protection feature has been confirmed in writing as part of a specific product.

Past performance

Past performance is not a reliable indicator of future results. The performance of investments in prior periods does not guarantee equivalent performance in future periods. Any performance figures cited in our materials are historical and do not represent a promise of future returns.

Currency risk

Investments denominated in currencies other than your base currency are subject to foreign exchange risk. Movements in exchange rates can increase or reduce the value of your investment and the income from it when measured in your base currency. Currency risk can adversely affect returns even where the underlying investment performs positively.

Overseas and emerging market risk

Investments in overseas markets, particularly emerging markets, carry additional risks including political instability, regulatory change, market illiquidity, taxation changes and restrictions on the repatriation of capital or income. Legal systems and investor protections in some jurisdictions are less robust than in the UK or EU.

Liquidity risk

Some investments — including certain alternative assets, private equity, real estate funds and structured products — are not readily realisable. You may not be able to sell or exit such investments at the time of your choosing, and exit values may be lower than entry values.

Tax risk

Tax laws and their interpretation change. Investments that are currently tax-efficient may become less so if tax legislation or HMRC/local tax authority guidance changes. The tax treatment of investments depends on your individual circumstances and the applicable law of your country of residence.

High-risk and speculative investments

Some investments — including unquoted shares, venture capital, alternative investments, certain structured products and cryptoassets — carry a high risk of loss, including total loss of capital. These investments are suitable only for investors who can afford to lose their entire investment and who have the knowledge and experience to understand the risks involved.

No guarantee of advice outcomes

Financial advice is based on information provided to us and market conditions at the time of advice. Outcomes cannot be guaranteed. We accept no liability for losses arising from investment decisions made on the basis of advice that subsequently prove to have been incorrect due to material changes in circumstances or market conditions beyond our reasonable control.

4. How We Are Remunerated

Global Investments provides independent financial advice. We are remunerated exclusively through fees agreed directly with our clients. We do not receive commissions, trail payments, volume bonuses or any other form of remuneration from product providers, fund managers or any other third party in connection with advice or recommendations we make to clients.

Our fee structure is agreed with each client individually prior to engagement. Fees may be structured as:

• A fixed advisory or planning fee for a defined scope of work
• An annual management fee based on a percentage of assets under advice
• An hourly or time-based fee for specific tasks
• A combination of the above

Full details of our fees, including the total cost of any recommended solution (adviser fee, product charges, platform charges and fund charges), are provided in writing before any service commences and annually thereafter in our Annual Fee Statement.

If, in any circumstance, we were to receive a payment from a third party in connection with a client transaction, we would disclose this to the client in advance and, unless the client consents otherwise, return the payment to the client.

5. Conflicts of Interest

Global Investments takes the management of conflicts of interest seriously. As an independent firm that does not accept third-party payments, the primary structural source of adviser-client conflict — commission and product-provider inducements — is eliminated from our model.

Residual conflicts of interest that may arise include:

• Fee arrangements: An AUM-based fee creates an incentive to grow or maintain assets under advice. We manage this by ensuring our advice is based solely on client objectives and by clearly explaining all fee implications.
• Related party transactions: Where we have any relationship with a product provider, custodian or other party that could influence advice, we will disclose this in advance.
• Employee interests: We maintain internal policies to ensure personal account trading by employees does not conflict with client interests.

Our full Conflicts of Interest Policy is available on request. Clients may request a copy at any time by contacting us at the address below.

6. Complaints Procedure

Global Investments takes all client complaints seriously and aims to resolve them promptly and fairly. If you have a complaint about any aspect of our service, please follow the procedure below.

Step 1 — Contact us directly

In the first instance, please write to us setting out the nature of your complaint, the dates and individuals involved, and what outcome you are seeking:

Global Investments — Compliance Department
Email: compliance@globalinvestments.net

We will acknowledge your complaint within five working days and aim to provide a full response within 20 working days. If we are unable to resolve the complaint within that timeframe, we will inform you of the reason for the delay and give you an expected resolution date.

Step 2 — Escalate to the relevant regulator

If you are not satisfied with our response, or if we have failed to resolve your complaint within eight weeks, you may escalate it to the regulator of the entity that provided your service (as set out in section 2 and confirmed in your Client Agreement):

EU insurance services — Insurance Companies Control Service (ICCS), Cyprus (Licence No. 5689).
Non-EU investment & insurance services — Mauritius Financial Services Commission (Licence No. C116016070), www.fscmauritius.org.

The relevant regulator has statutory powers to investigate complaints against regulated firms and to impose sanctions where appropriate.

Step 3 — Financial Ombudsman (where applicable)

UK retail clients and certain EEA clients may have access to alternative dispute resolution mechanisms, depending on the nature of the service provided and the applicable regulatory framework. Details of any available ADR mechanisms will be included in your Client Agreement.

7. Privacy and Data Protection

Global Investments is committed to protecting your personal data and complies with applicable data protection legislation, including the EU General Data Protection Regulation (GDPR) where applicable.

We collect and process personal data for the purposes of providing financial advice, meeting our regulatory obligations (including Anti-Money Laundering and Know Your Customer requirements), managing our relationship with you, and communicating with you about relevant products and services.

We do not sell personal data to third parties. We may share data with regulated custodians, product providers and professional advisers (legal counsel, accountants) where necessary to deliver services to you.

For full details of how we collect, use and protect your personal data, and your rights under applicable data protection law, please see our Privacy Policy.

8. Jurisdiction and Governing Law

The regulatory framework that applies depends on the entity providing the service (see section 2). Any services provided to clients are subject to the terms of the relevant Client Agreement, which will specify the regulated entity, the governing law and the jurisdiction.

The information on this website is provided for general information purposes and is directed at internationally mobile individuals who are not subject to legal restrictions that would prohibit access to the information. It does not constitute an offer or solicitation to any person in any jurisdiction where such an offer or solicitation would be unlawful.

Persons accessing this website from jurisdictions with specific restrictions on the receipt of financial promotions should satisfy themselves that accessing this information does not breach any applicable law or regulation in their jurisdiction.