Important Information

Important Information

This important information should be read carefully as it contains the terms and conditions of this website and also important regulatory information and risk warnings.

Site Information

We take all reasonable care to ensure information contained on the pages of this site is accurate however we give no guarantee to the accuracy and completeness of the information or to any errors and omissions that may occur due to circumstances beyond our control. We reserve the right to change the content of the pages of this site without prior notice.

We accept no responsibility for the content or accessibility of any other sites that can be accessed by hyperlink from this site. Any link to third party sites is for information purposes only and we do not endorse these sites.

This site may be temporarily unavailable or restricted. We shall not be liable to you for any losses occurring due to the loss of availability of this site.

Firm Information

Tcam Asset Management Limited is authorised and regulated by the Financial Conduct Authority, reference number 550227. Registered office Level 1, Princes Exchange, 1 Earl Grey Street, Edinburgh, EH3 9BN.

VT Tcam Growth Fund, VT Tcam Income Fund, VT Tcam Absolute Return Fund and VT Strategic Value are the available funds of VT Tcam Investment Funds an Investment Company with Variable Capital (ICVC) authorised by the FCA, reference number 190667. Tcam Asset Management Limited is the Investment Manager for the VT Tcam Investment Funds. Valu-Trac Investment Management Limited is the Authorised Corporate Director for the funds.

Risk Warnings

Information provided on this site and any opinions expressed are for general use and not personal to your circumstances, nor are they intended to provide specific legal or financial advice. No information on this site should be viewed as an offer or recommendation to dispose of or acquire any investment or undertake any specific transaction. If you are unsure as to the suitability of any investment you should contact a financial planner who will provide tailored advice.

All information provided is based on our understanding of current legislation which is subject to change.

You should remember that the value of investments and the income derived from them may fall as well as rise and you may not get back the full amount you invest. Past performance is not a guide to future performance. Taxation is based on individual circumstances and is subject to change.

Non-mainstream investments

Certain investments are deemed to be non-mainstream collective investments (these include unregulated collective investment schemes, some special purpose vehicles and other complex investments) and are not subject to the same regulatory protections as other investments. These investments are not available to retail clients.

Conflicts of Interest Policy Summary

Tcam Asset Management Limited's policy is to avoid any conflicts of interest between itself and its associates on one hand and its clients on the other. In the event of such a conflict arising, it will always put the interests of the client first.

If there is a conflict between two or more clients, the company will act in the most fair and equitable way it can. For example, client orders for the same security will be dealt with in the order they are received, except in exceptional circumstances, such as when an aggregated order may be in the best interest of clients.

If you would like to see a copy of the full Conflicts of Interest Policy please click here.

Intellectual Property

All rights to use the content of this site belong to the Tcam Asset Management Limited and any unauthorised use, including transmission, extraction, modification and distribution is strictly prohibited. You may not reproduce part or all of the content of this site in any form unless it is for personal use.

Pillar 3 Disclosure

Tcam Asset Management as at 31st March 2017 - Full disclosure here.

 

Interest Rates and Foreign Exchange

Interest Rates

From the 1st October 2016 the rates of interest on un-invested cash held on deposit are:

Cash Balance                                          AER* Rate
On the first £99,999.99                             0.00%
On the next £900,000 to £999,999.99       0.00%
£1,000,000 and above                             0.00%
*AER stands for Annual Equivalent Rate and is an illustration of the effective interest rate that would be earned if interest paid remains in the account itself earning interest.

The above rates apply to instant access sterling accounts only. No interest is paid on accounts denominated in any other currency.

Our interest rates are subject to variation.

We hold all client money in accordance with the Financial Conduct Authority Client Money rules. These require us to hold client money separately from the firm's money and hold it in a regulated credit institution. For added security, client money is held with a number of banks in line with the firm's diversification policy details of which are available on request.

Previous Interest Rates

Schedule of Interest Rates With Effect From 1st May 2015
The rates of interest on uninvested cash held on deposit were:

Cash Balance                                                 AER* Rate
On the first £99,999.99                                    0.075%
On the next £900,000 to £999,999.99              0.100%
£1,000,000 and above                                    0.150%
*AER stands for Annual Equivalent Rate and is an illustration of the effective interest rate that would be earned if interest paid remains in the account itself earning interest.

The above rates apply to instant access sterling accounts only. No interest is paid on accounts denominated in any other currency.
Interest is accrued daily and will be credited to your account quarterly in arrears at end February, May, August and November. Interest is paid gross without deduction of tax. Our interest rates are subject to variation.

We hold all client money in accordance with the Financial Conduct Authority Client Money rules. These require us to hold client money separately from the firm's money and hold it in a regulated credit institution. For added security, client money is held with a number of banks in line with the firm's diversification policy details of which are available on request.

Foreign Exchange

Where we carry out foreign exchange transactions, a margin of 0.5% will be applied to the foreign exchange rate obtained for all transactions. We effect transactions in the wholesale money markets to obtain prices that are considerably more favourable than the rates typically available from retail banks and currency exchange businesses.

Please click here if you wish to download the above information as a PDF file.

Legal Entity Identifier (LEI) Information

Please click here for a Q&A providing further information about LEIs and letting you know how to apply for one.

Complaints

If you have any complaints about the service or advice you have received from us then you should contact the Compliance Director, Tcam Asset Management Limited, Level 1 Princes Exchange, 1 Earl Grey Street, Edinburgh, EH3 9BN, or telephone 0131 297 3767.

We will investigate your complaint in accordance with our written complaints procedures and will aim to resolve your complaint as quickly as possible. If you are dissatisfied with the progress or outcome of the investigation into your complaint you have the right to refer matters to the Financial Ombudsman Service.  You can obtain a copy of the Financial Ombudsman Service explanatory leaflet from us or directly from the Financial Ombudsman Service at:

The Financial Ombudsman Service
Exchange Tower
London
E14 9SR

e-mail: complaint.info@financial-ombudsman.org.uk