1. Introduction
These Terms of Business (“Terms”) set out the basis on which Meridian Wealth Office (“we”, “us”, “our”) provides services to clients (“you”, “your”).
By engaging with us, you agree to these Terms.
2. Nature of Services
Meridian Wealth Office provides:
Strategic financial consulting
Introductions to third-party financial institutions and providers
Support with structuring, planning, and cross-border coordination
We act as an independent consultancy and introducer.
We do not provide regulated financial advice unless explicitly agreed in writing.
3. No Regulated Advice
We are not authorised by the Financial Conduct Authority to provide regulated financial advice.
Where regulated services are required, these will be provided by appropriately authorised third-party firms.
You are responsible for assessing whether any product or service is suitable for your needs.
4. Client Responsibility
Provide accurate and complete information
Inform us of any material changes to your circumstances
Seek independent legal, tax, or financial advice where appropriate
All decisions are made at your own discretion and risk.
5. Third-Party Providers
Banks and private banking institutions
Investment providers and platforms
Insurance providers
Legal and tax advisers
We do not control or guarantee the performance, services, or outcomes of any third party.
Any agreement you enter into with a third party is separate from us.
6. Fees and Remuneration
Our compensation may include:
Consultancy or advisory fees (where agreed)
Introduction or referral fees from third-party providers
We will disclose the nature of our remuneration where applicable.
7. No Guarantees
Investment performance
Financial returns
Approval of applications or transactions
All opportunities carry risk.
8. Confidentiality
We will treat your information as confidential and handle it in accordance with applicable data protection laws, including UK GDPR.
9. Data Protection
We are registered with the Information Commissioner’s Office and process personal data in accordance with our Privacy Policy.
10. Limitation of Liability
To the fullest extent permitted by law, Meridian Wealth Office shall not be liable for:
Any direct or indirect loss
Loss of profits, opportunity, or investment
Actions or failures of third-party providers
11. Conflicts of Interest
We may receive compensation from third-party providers.
Where a conflict of interest arises, we will take reasonable steps to manage it fairly.
12. Termination
Either party may terminate the relationship at any time by providing written notice.
Any outstanding fees remain payable.
13. Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of England and Wales.
14. Amendments
We may update these Terms from time to time.
The latest version will be available on our website.
