Treating Customers Fairly

The Financial Conduct Authority has defined the Treating Customers Fairly Initiative using six consumer outcomes, which explain what they want to achieve in terms of fair treatment for consumers:

Outcome 1: Consumers can be confident that they are dealing with firms where the fair treatment of customers is central to the corporate culture.
Outcome 2: Products and services marketed and sold in the retail market are designed to meet the needs of identified consumer groups and are targeted accordingly.
Outcome 3: Consumers are provided with clear information and are kept appropriately informed before, during and after the point of sale
Outcome 4: Where consumers receive advice, the advice is suitable and takes account of their circumstances.
Outcome 5: Consumers are provided with products that perform as firms have led them to expect, and the associated service is of an acceptable standard and as they have been led to expect.
Outcome 6: Consumers do not face unreasonable post-sale barriers imposed by firms to change product, switch provider, submit a claim or make a complaint.

Our Treating Customers Fairly Policy

Knights Noble Ltd is committed to providing the highest standard of financial advice and investment services. We undertake that all of our actions will be guided by the principle that the interests of our customers are paramount and our systems and procedures are designed to place our customers at the heart of the business.

We will be open and transparent in all our dealings with you and make sure that you fully understand the nature and scope of the services that we provide. We will inform you in advance of our charges and how these can be paid.

We will only make recommendations when we have gathered sufficient information about your circumstances to be able to offer you suitable financial advice. This will include a careful assessment of your attitude to risk to ensure that you are comfortable with any investment solution that we propose.

We aim to offer clear, impartial and comprehensive advice, and all advice we give will be in the best interests of our clients.

We will set out in clear and concise terms why we have recommended any particular financial solution. We will try not to use jargon or technical terms and we will be happy to clarify any matter about which you feel uncertain.

Our qualified Financial Advisers are fully trained in respect of the investments and products on which they advise and have to commit to a continuous professional development program to ensure that their knowledge remains up to date.

We always strive to provide the highest standards of service and so we continuously review our practices to establish whether any enhancements could be made to the way in which we deal with our clients. As part of this review we ask our clients to complete feedback questionnaires; however we always welcome comments and observations about the way we deal with our customers and would encourage you to contact us if you have any comments on the way we deal with you.

As Independent Financial Advisers there is an expectation of first class service from us and that is what we always aim to provide; however, in the event that you are not happy with a financial product or service provided by us, we will do our utmost to put things right as quickly as possible. Any expression of dissatisfaction, whether verbally or in writing will be dealt with professionally, courteeously and according to the rules laid down by the Financial Conduct Authority and the Financial Ombudsman Service.