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Fees

Since we do not charge you any direct fees for the general insurance, mortgage or protection services, we will take our commission from the insurance or mortgage product provider. We believe in transparency and will always disclose our commissions as part of our recommendation.   For all other services, such as investment or pensions advice, the product provider will usually facilitate payments on your behalf. The payment fees will be taken directly from your account from the product provider and they will send the commission directly to us. For all consulting fees, you can pay for them via our secure online payment system, a bank transfer or even set up a direct debit if there is an ongoing annual fee.   If you experience any payment issues or have any queries about any of our fees or commissions, please do not hesitate to contact our support team at support@fintuity.com and we will always help you out.
Our fees are fully transparent and you will only pay for what you access and use.
We typically charge up to 1.5%, subject to a minimal fee, of your investable assets for the investment and pension advisory services. In comparison to traditional IFAs, our fees are considerably less than the usual 2% – 3% of the customers’ investable assets.
  We do not charge you any direct fees for our general insurance and protection services as we receive our commissions direct from the product providers. Whilst our commissions are paid from the product provider directly, we will always ensure that your interests are never compromised over our agreements with our product providers. We purposely work with a wide range of market leading product providers so that we have can present a number of solutions for you to choose from. With this in mind and based on your requirements, our advisors will present you with several detailed and fully transparent action plans that would work for you – once presented, it is then up to you to decide which option to take! As a part of course, we will always disclose our commission as part of our recommendation report.   Mortgage advice and support is free of charge at Fintuity. Instead of taking an upfront fee, we receive commissions from the lenders and the total amount usually depends on the value of the mortgage. Once again, we will always disclose our commissions as part of our recommendation plan – transparency is important to us.
Unlike our competitors we have embraced technology to optimise our operations. This means that with an optimised advisory process and without expensive high street premises, we keep our operational costs significantly lower than a  traditional IFA. All of this means that we operate on lower-than-market investment limits and substantially-lower management fees than traditional IFA firms. In short we pass our savings on to you.

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Share Prices Explained
When developing an investment portfolio, many of us will look to a range of traditional and well established investment products....
Press Release: Fintuity Appoints New COO and Expands Chartered IFA Team by 60% to Meet Increased Market Demand & Prepares for Launch of the Virtual Adviser
London: Fintuity, one of the United Kingdom’s only digital Independent Financial Adviser (IFA) is proud to announce that as a direct...
Introducing Ian Watson – Fintuity Appoints New Chartered IFA to an Expanding Team
Due to an unprecedented growth in the number of new clients and demands on our digital IFA services,  Fintuity is...
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Frequently Asked Questions
Should you have any queries about our services, fees or for any other matter please see below some of our most commonly asked questions. If you cannot find an an answer to your query please do get in touch. For more information and help please check out our Blog and Knowledge Base.
I am having trouble registering or accessing online services – What do I need to do?
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If you are having difficulties accessing your account or any of our online services, then please do get in touch with a member of our our support team by emailing support@fintuity.com. When you get in touch please describ the issue and we will respond to you as soon as we can, normally within 1 working day.
How secure is my personal information?
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We take the privacy and security of your data very seriously. Fintuity takes all precautionary measures to ensure that your personal details are secure, compliant and safe from third parties. Your personal details, account data and all supporting information are fully encrypted and stored on secure servers.
What sort of financial advice does Fintuity provide?
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Unlike a traditional IFA, Fintuity is an online adviser that provides a full range of financial advice via a secure link to our clients. We provide a comprehensive suite of advisory services that includes investment, pension, mortgage, life insurance and general insurance though to inheritance tax planning. Depending on your financial needs, we can either focus on specific area such as retirement planning or advising on a new ISA investment through to the provision of a full financial review and creation of a bespoke financial plan for you and your family. If you require a specific service which we can not currently provide, we will refer you to one of our platform-integrated partners. Either way you will always remain a valued customer and receive all the benefits of the Fintuity community.
Once committed to a financial solution, can I change my mind?
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In the case of services provided by Fintuity

Following the first online meeting with your advisor, they will prepare a suitability report with a set of financial recommendations as well as an action plan which will be explained to you in detail during the second online meeting. If however after receiving the report, you decide not to go ahead with any of the proposed solutions – we will only charge you for the preparation of the report.

In case of financial products recommended by Fintuity

We fully understand that making financial and investment management decisions is not easy, it is your money and you need to be 100% sure before proceeding. With this in mind, if you decide to buy or invest in a financial product that we have recommended, but then change your mind - that is fine with us! You can use the cooling-off period and cancel the contract for financial product in question within 14 days of purchasing it. Whatever you decide to do, we will support your decision. The cooling-off period timeframe applies to most of our financial products, where there are exceptions we will update you.

There are a few exceptions however. With regards to pension products, you will have 30 days from when you enter into the contract and for life insurance products, you will have 30 days from when the provider agrees to the coverage. Some savings products also have different rules and once again we will keep you fully updated. Please contact your advisor or our support team immediately if you want to cancel any of the financial products recommended by us. You can also contact the product provider directly by submitting your request to cancel in writing, by email, or via the website / portal that the provider has provided. At all times we would strongly recommend discussing the decision with your advisor before cancelling your contract with the product provider.

Refunds after cancellation

If you cancel, then you should receive a refund of the money you have paid within 30 days of the provider receiving your cancellation. The provider may make a deduction from the refund in relation to any services which it has provided to you during the cancellation period.  Any deduction must be reasonable and can only be made if you started to receive the services before the 14 days were completed.
What does 'your capital is at risk’ mean?
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Depending on the financial support and advisory that may be required, you may be advised that your 'capital may be at risk' - what does this mean however? Put simply 'capital' is the money that you choose to invest. With market fluctations and other outside risks, an investment will always bear some form of partial or total risk to your funds. Our objective is to provide the best advice that we can to help you minimise your risk profile, however we will always try too reiterate that there will always be a risk to capital placed with any investment.
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Your first consultation is completely free of charge - all you need to do is to select a convenient time & date and outline how we can assist you.