Following a regular review of our compliance procedures, we are updating our terms of business document to reflect the following  changes:

• A revised description of our regulatory status as per the Central Banks Handbook of Prudential Requirements for Investment Intermediaries (effective 1 October 2014).
• A more detailed description of our research methodology & the basis on which we provide advice.
• An updated list of the product producers with whom we hold written letters of appointment.

Importantly, there are no changes to any existing contracts or policies held by you through Chartered Financial Solutions Ltd.

A copy of our new terms of business can be accessed by clicking here. These changes are effective from 12 January 2015.