Terms & Conditions

1. Scope of services

Golden Breed Capital provides independent financial advisory services across six service areas: wealth management, retirement planning, protection and insurance, business financial services, estate and legacy planning, and mortgage and lending.

The specific services provided to each client are set out in an individual Client Service Agreement ("CSA") agreed before any engagement commences. These Terms and Conditions apply alongside and supplement the CSA.

We do not provide legal, tax, or accounting advice. Where such advice is required, we will identify this and refer you to appropriately qualified professionals.

2. Engagement terms

An engagement begins when both parties have signed the Client Service Agreement.

We will conduct an appropriate assessment of your financial circumstances, objectives, knowledge, experience, risk tolerance, and capacity for loss before making any recommendation. You agree to provide accurate and complete information to enable us to do this.

Our recommendations will be provided in writing unless otherwise agreed. We retain records of all advice provided in accordance with our regulatory obligations.

3. Fees & charges

Our fee structures are set out in your Client Service Agreement and in a separate Schedule of Fees. We will always explain our charges clearly before any work commences and will not proceed without your explicit agreement.

Our compensation structure varies by service area and is always agreed with you in full before any work begins. We do not ask for payment upfront. Where compensation is linked to investment performance, this will be clearly documented in your Client Service Agreement. Any commission received from product providers in connection with certain protection or mortgage arrangements will be disclosed in writing in accordance with regulatory requirements, as described in your CSA.

Fees are invoiced in accordance with the schedule agreed in your CSA. Payment is due within 30 days of invoice unless otherwise agreed in writing.

4. Independence & conflicts of interest

Golden Breed Capital operates as a fully independent financial advisor. We hold no distribution agreements with product providers and are not tied to any insurer, fund manager, investment platform, or lender. We search the whole of the relevant market for each client engagement.

We maintain a conflicts of interest register. Where any actual or potential conflict arises in connection with advice provided to you, we will disclose this to you in writing and take appropriate steps to manage or mitigate the conflict.

5. Limitation of liability

Our liability to you in connection with advice provided under these Terms and Conditions is limited to direct financial losses arising from our negligence or breach of duty. We do not accept liability for indirect or consequential losses, or for losses arising from factors outside our reasonable control.

Nothing in these Terms and Conditions excludes or limits our liability for fraud, personal injury or death caused by negligence, or any other matter where limitation of liability is not permitted by law.

Past performance is not a reliable indicator of future results. The value of investments can fall as well as rise, and you may get back less than you invest.

6. Confidentiality

All information you share with us in the course of an advisory relationship is treated as strictly confidential. We will not disclose your personal or financial information to any third party except where required to do so by law, regulation, or in order to carry out your instructions.

Our obligations regarding the collection, storage, and processing of your personal data are set out in our Privacy Policy.

7. Termination

Either party may terminate the engagement by giving 30 days' written notice, unless the CSA specifies a different notice period. Termination does not affect any liability that arose prior to the date of termination.

We reserve the right to terminate an engagement immediately where we have reasonable grounds to believe that information provided to us has been materially inaccurate, or where continuation of the engagement would place us in breach of our regulatory obligations.

8. Governing law

These Terms and Conditions are governed by and construed in accordance with the laws of the jurisdiction in which your advisory engagement is based, as set out in your Client Service Agreement. Any disputes arising under or in connection with these terms shall be subject to the exclusive jurisdiction of the courts of that jurisdiction.

9. Complaints

We take client concerns seriously. If you are dissatisfied with any aspect of our service, please contact us in the first instance at contact@goldenbreedcapital.com and we will respond within five business days.

If we are unable to resolve your complaint to your satisfaction, you may be eligible to refer the matter to the independent financial dispute resolution service applicable in your jurisdiction.