Legal & Regulatory

LEGAL AND REGULATORY INFORMATION – POLICIES, REPORTS AND NOTICES

 

Cash

We hold cash and investments in client portfolios in accordance with our obligations under the Financial Conduct Authority’s Client Asset (‘CASS’) rules. This is with the exception of Cash and Investments held in offshore bonds and cash deposited in term deposits, for which further information is provided in the Offshore Bond Key Features Document, Term Deposit User Guide and Client Asset Protection and Compensation User Guide. These documents are available by logging in to Transact Online.

Complaints

For information on how we manage complaints, please refer to the document Transact Complaint Management Procedure or ILInt Complaint Management Procedure.

Conflicts of Interest Policy

For full details, please refer to the Conflicts of Interest Policy Summary document.

Cookies

For full details of our Cookie Policy, please refer to the Transact Cookies in Detail document.

Country-by-Country Reporting

The Capital Requirements (Country-by-Country Reporting) Regulations 2013 (SI 2013 No. 3118) implements part of the European Union’s Capital Requirements Directive (“CRDIV”). Credit institutions and investment firms must disclose certain information on a consolidated basis for each country in which the firm has a subsidiary or branch.

For full details, please refer to the Country-by-Country Reporting document.

Dealing and Settlement Guide

For full details, please refer to the Dealing and Settlement Guide document.

IFAL Public Disclosures

The Public Disclosures document contains information concerning the risk management objectives and policies, governance arrangements, Own Funds, Own Funds regulatory requirements and remuneration policy and practices of Integrated Financial Arrangements Ltd, which must be publicly disclosed pursuant to rules made by the Financial Conduct Authority (FCA).

IFAL Public Disclosures 30 September 2022
Modern Slavery Statement

This statement is made pursuant to section 54 of the Modern Slavery Act 2015 (the ‘Act’) and sets out the steps that the IntegraFin Group has taken and is continuing to take to ensure that modern slavery or human trafficking is not taking place within its business or supply chain.

Modern Slavery Statement 2022
Modern Slavery Statement 2021
Modern Slavery Statement 2020
Modern Slavery Statement 2019
Modern Slavery Statement 2018
Modern Slavery Statement 2017
Order Execution Policy

The Order Execution Policy sets out how we fulfil our duty to take all sufficient steps to obtain the best possible results when executing client trade orders.

For full details, please refer to the Order Execution Policy document.

Order Execution Venue and Quality Report

The Order Execution Venue and Quality Report contains the qualitative and quantitative information that is required to be reported under MIFID II for Integrated Financial Arrangements Ltd. The data contained in the report is also provided in machine readable format below.

2020
Order Execution Venue and Quality Report
Data Report – Machine Readable Format

Scams & Fraud Awareness

Our Security Centre for Clients is the central location explaining all the ways we help protect client investments and highlights ways to help protect yourself from fraud.

Shareholder Engagement Statements

These Shareholder Engagement Statements are published by IntegraLife UK Limited.

Valuations

Portfolio valuations reflect the most recent prices known to us for completed transactions and for which our records have been updated as at the time of generation of the report. Any subsequent report run for the same date will show a different valuation if new information has been processed in the meantime.

Website Terms and Conditions

General terms and conditions of use for this Transact website

These terms and conditions apply to all users of the Transact website, and you understand that by accessing this website you agree to be bound by them. Please be aware that additional terms and conditions apply to registered intermediaries and registered investors when they log in to use the Transact service. Transact’s services are primarily designed to fit the needs of UK residents and certain services may not be available to residents of other countries.

For full details, please refer to the Transact General Terms and Conditions of use for the Transact website.