December 15, 2020
  1. Whose products do we offer?

We offer products from a range of insurers for life (including funeral planning), critical illness and income protection plans.

2. Which service will we provide you with?

We will advise and make a personal recommendation for you after assessing your needs for life; critical illness and income protection insurance, on a fair and personal analysis of the market.

3. What will you have to pay us for our services?

The information on our product charges are set out in the relevant Key Features Document or Key Information Document. We will arrange the policy with the insurer on your behalf. We may receive remuneration for this from the insurer which is taken from the premium charged to you by the insurer. You will receive a quotation from the insurer which will tell you exactly how much you will pay for any insurance policy.

4. Who regulates us?

Future Proof Ltd is an appointed representative of St. James’s Place Wealth Management plc, St. James’s Place House, 1 Tetbury Road, Cirencester, Gloucestershire GL7 1FP which is authorised and regulated by the Financial Conduct Authority (FCA), 12 Endeavour Square, Stratford, London E20 1JN. St. James’s Place Wealth Management plc’s Financial Services Register number is 195351. St. James’s Place Wealth Management plc’s permitted business is advising on and arranging investments, mortgages and insurance contracts. For the purposes of the Insurance Distribution Directive, St. James’s Place Wealth Management are acting as an insurance intermediary. You can check this on the Financial Services Register by visiting the FCA’s website or by contacting the FCA on 0800 111 6768.

5. Loans and ownership Future Proof Ltd is a wholly owned subsidiary of the St. James’s Place group of companies.

St. James’s Place Guarantee

St. James’s Place guarantees the suitability of the advice given by members of the St. James’s Place Partnership when recommending any of the wealth management products and services available from companies in the Group, more details of which are set out on the Group’s website at

What to do if you have a complaint

If you wish to register a complaint, please contact:

in writing Client Liaison, St. James’s Place, St. James’s Place House, 1 Tetbury Road, Cirencester, Gloucestershire GL7 1FP

by phone 01285 878201

by email [email protected]

If you cannot settle your complaint with St. James’s Place, you may be entitled to refer it to the Financial Ombudsman Service, Exchange Tower, London, E14 9SR; Telephone 0800 023 4567, website:

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. Pure protection is at 100% where claims arise from the death or incapacity of the policyholder due to injury, sickness, or infirmity, with no upper limit. This also applies to advising and arranging long term care insurance.

Insurance advising and arranging is covered at 90% where claims arise under other types of policy with no upper limit.

Further information about compensation schemes is available from the FSCS.


We may contact you in English by various means from time to time unless we hear from you to the contrary.

SCDD (advice) 14/12/2020

Acting in your interests

The St. James’s Place Group is required to have a Conflicts of Interest Policy which sets out our approach to managing potential or actual conflicts of interest that may arise, and thereby protecting the integrity of the Group and its clients and stakeholders.

Where any conflicts of interest are identified, these will be managed honestly, fairly and, where possible, consistently, and in a transparent manner. St. James’s Place management are actively involved in the management and resolution of any conflicts to ensure fair treatment of all parties.

If any material conflict of interest arises in relation to business that we are arranging for you, we will inform you in writing and obtain your consent before we carry out your instructions. Further details of the Group Conflicts of Interest Policy can be obtained at:

Client categorisation and your rights

We will categorise you as a retail client in accordance with the FCA’s rules.

Scope of Authority

Future Proof Ltd are authorised to represent only the St. James’s Place Group for the purposes of advising on protection products and services.

Client identification

Future Proof Ltd, together with St. James’s Place St. James’s Place are required to establish the identity of all applicants, beneficiaries, plus some other associated parties such as Trustees and Attorneys, and may therefore disclose information provided by you in connection with your application to third parties for this purpose. We may verify your identity electronically, against public records through an independent agency (Passfort Ltd). Your credit file will show that an identification check has been carried out by that agency, but this information will not affect your credit rating.

Data Protection Regulations

Future Proof Ltd, together with St James’s Place Wealth Management plc, are the data controllers of any personal data you provide to us during this review and any personal data you subsequently provide, or which is processed in connection with the products and services we provide to you.

We will collect and use your personal data such as your name and contact details, health information, family and lifestyle information, personal assets and liabilities, tax and residency details, financial products already held (e.g. pension and protection).

We will use the personal data for the provision of financial advice and services, administration, communication, risk assessments, fraud prevention and other regulatory or legal purposes.

If we need to collect special categories of data (e.g. health information) we will request your consent to do so and clearly explain why we need the data, the implications of not providing the data and what will happen if consent is subsequently withdrawn.

SCDD (advice) 14/12/2020

In order to provide these services, we may share the personal data you provide with third parties such as other Partners within the St James’s Place Partnership, partner support specialists, product & service providers, administrators of a scheme relating to your plan, 3rd party companies providing administration services. We may also need to share it with HM Revenue and Customs and our regulators such as the Financial Conduct Authority or the Prudential Regulation Authority in certain circumstances.

Where you are providing us with personal data about another individual, you will inform them that you are providing their information to us, refer them to our privacy notice available at and obtain their consent to our use of their special categories of personal data such as health information where we indicate it is required.

For further information on our use of your personal data and your rights, please see the Partner’s Privacy Policy which can be accessed at their website and Future Proof Ltd’s Privacy Policy which can be accessed at

Should you have any enquiries relating to the personal data that we may hold about you or how your personal data is processed, you can contact our Data Protection Officer, at [email protected].

1 The St. James’s Place Group is a wealth management group which includes St. James’s Place Wealth Management Group Limited and its subsidiaries St. James’s Place UK plc, St. James’s Place International plc, St. James’s Place Wealth Management plc, St. James’s Place Management Services Limited, St. James’s Place Unit Trust Group Limited, St. James’s Place Investment Administration Limited, Future Proof Limited and Rowan Dartington and Co. Limited.