LEGAL AND REGULATORY INFORMATION – POLICIES, REPORTS AND NOTICES

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.

For full details, please refer to the Central Securities Depositories Regulation (CSDR) document.

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

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

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

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.

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

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).

For full details, please refer to the IntegraFin Holdings plc – Group Tax Strategy document.

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.

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.

These privacy notices explain how we collect and use our clients’ personal information.

Onshore Wrappers
Privacy Notice – ISA
Privacy Notice – Onshore Bond
Privacy Notice – Onshore Bond premium
Privacy Notice – Pensions

Offshore Wrappers
Privacy Notice – Offshore Bond
Privacy Notice – Offshore Bond premium

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.

These Shareholder Engagement Statements are published by IntegraLife UK Limited.

The Solvency and Financial Condition Report contains the qualitative and quantitative information that is required to be reported under Solvency II for IntegraLife UK Limited.

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.

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.