1. Acceptance of Terms
By accessing and using the ProGeb Financial website (progebregm.com) or engaging our financial planning services, you accept and agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our website or services.
These Terms constitute a legally binding agreement between you and ProGeb Financial Ltd. We may update these Terms from time to time, and your continued use of our services after any changes constitutes acceptance of the revised Terms.
Important Notice
Financial planning services are subject to separate terms of engagement that will be provided when you become a client. These website Terms of Service apply to your use of our website and general interactions with our company.
2. Company Information
ProGeb Financial Ltd is a financial advisory firm authorized and regulated by the Financial Conduct Authority (FCA).
2.1 Regulatory Information
- Company Name: ProGeb Financial Ltd
- Registration Number: 12345678 (England and Wales)
- FCA Firm Reference Number: 123456
- Registered Office: 123 Financial District, London EC2M 4AA
- VAT Number: GB123456789
2.2 Professional Standards
We are bound by FCA rules and regulations, including:
- FCA Conduct of Business Sourcebook (COBS)
- FCA Training and Competence Sourcebook (TC)
- Client Assets Sourcebook (CASS)
- Anti-money laundering regulations
2.3 FCA Regulatory Compliance
Professional Indemnity Insurance: We maintain professional indemnity insurance coverage of £2,000,000 as required by FCA regulations.
Financial Services Compensation Scheme (FSCS): We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. Further information is available from www.fscs.org.uk.
Client Money Protection: We do not hold client money. All client funds are held by authorized third-party institutions.
2.4 Complaints Procedure
If you have a complaint about our services:
- Contact us directly: Email [email protected] or call 0203 123 4567
- Written complaints: Send to Complaints Manager, ProGeb Financial Ltd, 123 Financial District, London EC2M 4AA
- Response time: We will acknowledge within 3 business days and aim to resolve within 8 weeks
- Financial Ombudsman Service: If unsatisfied with our response, you may refer your complaint to the Financial Ombudsman Service free of charge
3. Our Services
3.1 Financial Planning Services
We provide comprehensive financial planning services including:
- Retirement planning and pension advice
- Investment management and portfolio construction
- Life insurance and protection planning
- Tax planning and optimization strategies
- Estate planning and inheritance tax advice
3.2 Website Services
Our website provides:
- Educational content and financial guidance
- Service information and company details
- Contact forms and consultation booking
- Newsletter subscription and updates
3.3 Service Limitations
Please note that:
- Website content is for general information only and does not constitute financial advice
- Personalized advice requires a formal client relationship
- We do not provide services to residents outside the UK
- Some services may require minimum investment levels
4. Client Obligations
4.1 Information Accuracy
When using our services or website, you agree to:
- Provide accurate, complete, and current information
- Update us promptly of any changes to your circumstances
- Not provide false or misleading information
- Verify the accuracy of any advice based on information you provide
4.2 Compliance with Laws
You agree to:
- Comply with all applicable laws and regulations
- Not use our services for any illegal purposes
- Cooperate with anti-money laundering procedures
- Provide required identity verification documents
4.3 Website Use
When using our website, you must not:
- Attempt to gain unauthorized access to any part of the site
- Introduce viruses, malware, or other harmful code
- Use automated systems to access or download content
- Interfere with the proper functioning of the website
5. Fees and Charges
5.1 Fee Structure
Our fees are clearly disclosed and may include:
- Initial Advice Fees: For comprehensive financial planning
- Ongoing Service Fees: For portfolio management and reviews
- Transaction Fees: For implementing recommendations
- Product Charges: From investment providers (disclosed separately)
5.2 Fee Disclosure
We will:
- Provide clear fee information before providing advice
- Disclose all costs associated with recommended products
- Explain how fees are calculated and when they are payable
- Provide annual statements showing fees paid
5.3 Payment Terms
- Fees are payable as agreed in your terms of engagement
- We reserve the right to charge interest on overdue amounts
- Refunds are provided in accordance with FCA rules
6. Website Use and Intellectual Property
6.1 Permitted Use
You may use our website for:
- Accessing information about our services
- Reading educational content and blog articles
- Contacting us for legitimate business purposes
- Downloading publicly available resources
6.2 Intellectual Property Rights
All content on this website is owned by ProGeb Financial Ltd and protected by copyright laws. This includes:
- Text, images, videos, and audio content
- Website design and layout
- Company logos and trademarks
- Software and technical systems
6.3 Restrictions
You may not:
- Reproduce, distribute, or publish our content without permission
- Use our content for commercial purposes
- Remove copyright notices or attribute content to others
- Reverse engineer any software or systems
7. Disclaimers
7.1 General Disclaimer
While we strive for accuracy, we cannot guarantee that all information on our website is complete, accurate, or up-to-date. Website content is provided for general information purposes only and should not be relied upon as financial advice.
7.2 Investment Disclaimers
- The value of investments can go down as well as up
- Past performance is not a guide to future returns
- You may not get back the original amount invested
- Tax treatment depends on individual circumstances and may change
7.3 Third-Party Content
Our website may contain links to third-party websites or reference third-party products. We:
- Do not endorse or take responsibility for third-party content
- Are not liable for any losses arising from third-party sites
- Recommend reviewing third-party terms and privacy policies
7.4 Technical Disclaimer
We cannot guarantee that our website will be:
- Available at all times without interruption
- Free from errors, viruses, or other harmful components
- Compatible with all devices and browsers
- Secure from unauthorized access
8. Limitation of Liability
8.1 Liability Exclusions
To the fullest extent permitted by law, ProGeb Financial Ltd excludes liability for:
- Any indirect, special, or consequential losses
- Loss of profits, revenue, or business opportunities
- Loss of data or corruption of files
- Any losses arising from website use or unavailability
8.2 Liability Limitations
Where liability cannot be excluded by law, our total liability is limited to:
- The amount of fees paid to us in the 12 months prior to the claim
- £1,000,000 in aggregate for any calendar year
- The amount covered by our professional indemnity insurance
8.3 Consumer Rights
Nothing in these Terms excludes or limits liability for:
- Death or personal injury caused by negligence
- Fraud or fraudulent misrepresentation
- Any matter for which it would be unlawful to exclude liability
- Rights under the Consumer Rights Act 2015
9. Termination
9.1 Termination by You
You may terminate your use of our website at any time. For client relationships, termination procedures are outlined in your terms of engagement.
9.2 Termination by Us
We may suspend or terminate your access to our website if you:
- Breach these Terms of Service
- Use the website for illegal purposes
- Interfere with the website's operation
- Provide false or misleading information
9.3 Effect of Termination
Upon termination:
- Your right to use the website ceases immediately
- We may delete any accounts or stored information
- Surviving provisions (liability, intellectual property) remain in effect
- Client relationships are governed by separate terms of engagement
10. Governing Law and Disputes
10.1 Governing Law
These Terms are governed by English law, and any disputes will be subject to the exclusive jurisdiction of the English courts.
10.2 Dispute Resolution
If you have a complaint about our services, please contact us first:
- Email: [email protected]
- Phone: +44 20 3456 7890
- Post: Complaints Department, ProGeb Financial Ltd, 123 Financial District, London EC2M 4AA
10.3 Financial Ombudsman Service
If you are not satisfied with our response, you may refer your complaint to the Financial Ombudsman Service:
- Website: www.financial-ombudsman.org.uk
- Phone: 0800 023 4567
- Email: [email protected]
10.4 Financial Services Compensation Scheme
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation if we cannot meet our obligations.
11. General Provisions
11.1 Entire Agreement
These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement regarding your use of our website.
11.2 Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
11.3 No Waiver
Our failure to enforce any provision does not constitute a waiver of that provision or any other provision.
11.4 Assignment
You may not assign your rights under these Terms. We may assign our rights to any affiliate or successor company.
11.5 Updates to Terms
We reserve the right to update these Terms at any time. Material changes will be communicated via email or website notice.