		About our services
		AIMS Financial Limited Stourside Place 35-41 Station Road Ashford Kent TN23 1PP
1. The Financial Services Authority (FSA)
The FSA is the independent watchdog that regulates financial services. It requires us to give you this document. Use this information to decide if our services are right for you.

2. Whose products do we offer?
Investment
	We offer products from the whole market.
	We only offer products from a limited number of companies.
	We only offer products from a single group of companies
Insurance
	We offer products from a range of insurers for Term Assurance, PHI, Private Medical, ASU and Critical Illness.
	We only offer products from a limited number of insurers for Household and other forms of Personal Lines Insurance. Ask us for a list of the insurers we offer insurance from.
	We only offer products from a single insurer.
Mortgages including Lifetime Mortgages and Home reversion schemes
	We offer mortgages from the whole market.
	We only offer mortgages from a limited number of lenders. Ask us for a list of the lenders we offer mortgages from.
	We only offer a limited range of mortgages from a single lender.
3. Which service will we provide you with?
Investment
	We will advise and make a recommendation for you after we have assessed your needs.
	You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.
	We will provide basic advice on a limited range of stakeholder products and in order to do this we will ask some questions about your income, savings and other circumstances but we will not: Conduct a full assessment of your needs; Offer advice on whether a non-stakeholder product may be more suitable

Insurance
	We will advise and make a recommendation for you after we have assessed your needs for all types of Insurance products.
	You will not receive advice or a recommendation from us we may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.
Mortgages including Lifetime Mortgages and Home reversion schemes
	We will advise and make a recommendation for you after we have assessed your needs.
	You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.
4. What will you have to pay us for our services?
Investment
	Before we provide you with advice, we will give you our keyfacts guide 'about the cost of our services'.
	We will tell you how we get paid, and the amount, before we carry out any business for you.
Insurance
	No fee will be charged, commission will be received from the provider.
You will receive a quotation which will tell you about any other fees relating to any particular insurance policy.
Mortgages including Lifetime Mortgages and Home reversion schemes
	No fee. We will be paid by commission from the lender.
	An arrangement fee of £395 will be payable on completion. We will be paid commission by the lender.
You will receive a key facts illustration when considering a particular mortgage, which will tell you about any fees relating to it.
Refund of fees If we charge you a fee, and your mortgage or home reversion scheme does not go ahead, you will receive:
	As the arrangement fee is only payable on completion a refund does not apply.

5. Who regulates us?
AIMS Financial Ltd is an Appointed Representative of Best Practice IFA Group Ltd which is authorised and regulated by the Financial Services Authority. Best Practice IFA Group Limited FSA register number is 223112 Best Practice IFA Group Limited permitted business includes; advising on regulated mortgage contracts arranging (bringing about) mortgage contracts making arrangement with a view to regulated mortgage contracts arranging (lifetime) mortgages Arranging (bringing about) deals in investments Advising on investments (except on Pension transfers and opt outs) Advising on Non Investment Insurance contracts and agreeing to carry on a Regulated Activity. You can check this on the FSA’s Register by visiting the FSA’s Website www.fsa.gov/uk/register/ or by contacting the FSA on 0845 606 1234.
6. What to do if you have a complaint
If you wish to register a complaint, please contact us: ….in writing Write to the The Compliance Manager, Best Practice IFA Group Limited, The Old Bank Chambers, 109-111 High Street, Hurstpierpoint, Sussex BN6 9PU ….by phone Telephone 01273 836108 If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.
7. Are we covered by the 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. This depends on the type of business and the circumstances of the claim.
Investment
	Most types of investment business are covered for 100% of the first £30,000 and 90% of the next £20,000 so the maximum compensation is £48,000.
Insurance
	Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit.
Mortgages including Lifetime Mortgages and Home reversion schemes
	Mortgage advising and arranging is covered for 100% of the first £30,000 and 90% of the next £20,000 so the maximum compensation is £48,000. Home reversion schemes are not covered by the Financial Services Compensation Scheme.
Further information about compensation scheme arrangements is available from the FSCS.
Message from the Financial Services Authority Think carefully about this information before deciding whether you want to go ahead. If you are at all unsure about which lifetime mortgage or home reversion scheme is right for you, you should ask your adviser to make a recommendation. Please remember that home reversion schemes are not regulated by the FSA.