Conditions of use, data control and legal procedures
Nexus Global specialises in providing a regulatory platform and compliance support to international financial advisers and intermediaries to enable them to meet the regulatory requirements of EEA (European Economic Area) financial regulators and to provide their clients with a professional service.
The intermediaries Nexus Global represent, provide face to face advice and specialise in meeting the financial needs of people or companies that have created more capital, or who earn higher incomes, than average, and whose circumstances are therefore more complicated than usual.
All approved individual members of Nexus Global are Appointed Representatives of Blacktower Financial Management (International) Limited (BFMI). BFMI is licensed and regulated by the Gibraltar Financial Services Commission (FSC).
The Financial Services Commission regulates the financial services industry in Gibraltar. The FSC supervises a broad range of firms including: auditors, banks, company managers, e-money institutions, professional trustees, payment services providers, funds and fund service providers, insurance companies, managers and intermediaries, investment firms, and insolvency practitioners.
It is important that we hear any concerns you have regarding the services we offer.
Should you have a complaint we ask that you inform Nexus Global Head Office in the first instance. Head Office will then review and make contact with the relevant office. If you have already spoken to someone regarding your complaint, please include their name in your correspondence as this will assist in your complaint being answered more promptly. Complaints can be emailed to firstname.lastname@example.org or you can also write to:-
Suites 21 & 22 Victoria House
26 Main Street
PO Box 1354
Nexus Global operates a formal complaints handling procedure. A client’s complaint will be acknowledged promptly and we will try to resolve the problem within eight weeks of the client notifying us of their complaint.
If you do not feel that your complaint has been resolved satisfactorily by Nexus Global, you may refer the matter to the Financial Services Commission, P.O. Box 940, Suite 3, Ground Floor, Atlantic Suites, Europort Avenue, Gibraltar.
It is useful for the FSC to be aware of complaints against firms it supervises. The FSC has no statutory powers to neither undertake the role of an ombudsman in respect of complaints nor act as arbitrator in commercial disputes
Your right to complain
We try to meet the highest standards in order to protect your privacy. However, if you are concerned about the way in which we are managing your personal information and think we may have breached any applicable privacy laws, or any other relevant obligation, you are encouraged to raise any complaints regarding the processing of personal data to us directly on the contact details above.
We will make a record of your complaint and refer it to our internal complaint resolution committee for further investigation. We will deal with the matter as soon as we can, and keep you informed of the progress of our investigation.
If we have not responded to you within a reasonable time or if you feel that your complaint has not been resolved to your satisfaction, you are entitled to make a complaint to the Data Protection Commissioner under the Data Protection Act, which is presently the Gibraltar Regulatory Authority (GRA). The GRA is responsible for ensuring that your rights and obligations are respected. The GRA is also competent to hear your complaints and may prohibit or restrict the processing of your personal data in certain cases. You may contact the GRA on the below details:
Use of the website
By accessing, visiting, or making use of this website, you accept these “Terms and Conditions of Use of the Website” (hereinafter referred to as the “Conditions of Use”). This legal information may be modified from time to time and we therefore invite you to consult it periodically.
We, as editor of the website
These Conditions of Use pertain exclusively to the generic website of the United Advisers Marine (hereinafter referred to as “United Advisers Marine” or “UAM”), available at the address https://www.unitedadvisersmarine.com/ (hereinafter referred to as the “Website”).
You, as the website user
If your domicile or place of residence is in a country where the use of, or access to, this Website is contrary to the applicable laws and regulations, you are required to close this window and immediately leave the Website.
The information provided through this Website and/or the social media are provided free, are for information purposes only, and do not encourage the undertaking of certain actions, nor do they advise in favour of or against a specific line of action.
Even though we commit to maintaining a certain level of quality in everything we undertake, we cannot guarantee the appropriateness, correctness, accuracy, exhaustiveness, authenticity, or the current nature of the information provided through this Website or the social media and therefore do not make any guarantees in this respect. Any reliance on this information on your part is your responsibility.
Recommendations for the user
As the user, it is your exclusive responsibility to actively and diligently try to obtain adequate, precise, and authenticated information regarding the matters that are of interest to you.
To ensure you are well informed, we recommend you adhere to the following principles:
- When making a decision regarding investments, consider the related risks and assess them correctly to make an informed decision. Before investing in a financial instrument, make sure that you always consult the official documentation: prospectus, reports, and other available information.
- If a communication pertains to the past performances of a financial instrument, index, or specific investment service refers to past performance simulations, or includes information related to future performances, the aforementioned performances and/or forecasts cannot be considered reliable indicators of future performance.
- Performance statements may be influenced by taxes, commissions, costs, rate fluctuations, and other factors. Thus, the net yield on any given investment may depend on the individual situation of the investor at a given time.
- Information such as the general information featured on the Website or communications by United Advisers Marine (and any other entity of United Advisers) or displayed on social media cannot in any circumstance be considered as legal, tax, or any other type of advice. The information provided or the opinion given by United Advisers Marine (and any other entity of United Advisers Marine) does not take into account your financial competences or knowledge, or your investment goals, your financial situation, or any other specific demands or circumstances. Before making a decision (especially regarding fiscal and legal regimes), please seek specific, individual, and appropriate professional advice.
Information provided via the Website
The information provided via the Website cannot be construed as a promotion for investments or financial services, such as advice or managing services on any market.
Neither the Website nor its contents can be construed to constitute, in whole or in part, advice or recommendation to invest, or an invitation, offer or solicitation to buy, subscribe to, sell, or reimburse any financial instrument whatsoever.
This information may not under any circumstance be assumed to constitute legal, fiscal, or any other advice.
The information or opinions contained within this Website do not take into account the financial expertise and knowledge, investment goals, financial situations, or specific demands of the Website user.
As the user of the Website you should seek professional, specific, individual, and adequate advice before making any investment-related decision, especially regarding applicable fiscal and legal regimes.
Past performances cannot be considered as indications or guarantees for future performance, and no guarantees, be it explicit or tacit, are given regarding any future performances. The opinions and/or estimates reflect judgment on the publication date and may be changed without notification.
Messages sent over the Internet and/or by email or other electronic means cannot be guaranteed to be secure as they are subject to possible interception, loss or alteration. United Advisers Marine is not responsible for them and will not be liable to you or anyone else for any damages or otherwise in connection with any message sent by you to United Advisers Marine or any message sent by United Advisers Marine to you over the Internet or by email or other electronic means.
Information provided via social media
United Advisers Marine communication via social media cannot be construed as promotion for investments or financial services, such as advice or managing services, on any market.
The comments, data, documents, and other information shared via social media are provided for information purposes only and cannot be construed to constitute, be it wholly or partially, investment advice or recommendation or an invitation, offer, or solicitation to buy, subscribe to, sell, or reimburse any financial instrument whatsoever.
For legal and “compliance” reasons, United Advisers (and any other entity of United Advisers Marine) makes no comment on social media regarding individual performances of portfolios or financial instruments.
For all individual information and/or personalized offers or recommendations, please contact the relevant department at United Advisers Marine.
The recommendations for the user and other provisions of this text likewise apply to the use of social media. For the purposes of this text, “information” shall be held to refer to all forms of information: be it the contents of the site itself, information (documents, data, video, or other) rendered available via the Website or recommendations or comments made via social media.
Within the applicable legal limits and constraints, United Advisers Marine(and all other entities of United Advisers) shall not be held responsible for loss or damage, such as loss or damage resulting directly or indirectly from access to, downloading from, or use of the Website (or any other website to which the Website links) or for the information made available via the Website or social media.
United Advisers Marine uses the services of both employed and self-employed contracted individuals. Any individual representing United Advisers Marine to a client or exterior entity will ensure that the client or exterior entity is aware of the type of association they have with United Advisers Marine.
As the editor responsible for the Website, United Advisers does not guarantee that the information available on the Website has not been modified due to technical defects (disconnection, intervention by third parties, virus, or any other reason).
Moreover, United Advisers Marine has the right to modify the information available on the Website at any time, unilaterally, and without prior notification, including (but not limited to) the conditions of access to the Website in its entirety or part of it and/or the various advertisements, information, and announcements made to users (including among others the Conditions of Use).
We invite you to regularly verify the contents of these Conditions of Use to stay informed on possible modifications. The use of this Website is subject to the latest version available of the Conditions of Use.
Use of the Website
United Advisers Marine denies all responsibility for any technical incident which may occur (for whatever reason) during the use of this Website (such as a bug or the inability of the user terminal to retrieve information).
The Website may contain links to other websites which are controlled or made available by third parties. United Advisers Marine has not verified the contents of these websites and does not offer any guarantees regarding the information and data available on these websites.
By providing a link to other websites, United Advisers Marine as well as all other entities of United Advisers Marine do not accept or assume any responsibility for the information, data, products, and/or services available or offered on these third-party websites.
This Website allows you to receive e-mails from United Advisers Marine. Insofar as these messages are sent via internet, more specifically a public network which United Advisers Marine does not control in any way, these messages may be intercepted, modified, or lost. In this respect, United Advisers does not accept any responsibility.
Use of social media
We remind you that you are exclusively responsible for the comments, tweets, and other messages and information you place online.
We urge you never to publicly divulge any personal financial information or any other information regarding your bank accounts.
For the purpose of the protection of privacy, please do not publicize personal information pertaining to you or to other persons which may allow for identification.
United Advisers Marine cannot be held responsible for the advice, information, allegations, or other messages published by external users on these pages and does not endorse the opinions expressed thereon by external users.
Social media networks are third-party services, offered and operated by entities not affiliated with United Advisers Marine, and for which United Advisers Marine(and all other entities of United Advisers Marine) cannot be held responsible.
The service conditions, the usage agreement, the usage rules, and other rules and conditions of the social media in question complete the aforementioned, specifically as pertains to the conditions for opening, using, and closing a social media account.
We reserve the right to have third parties remove publications which are not in accordance with the prevailing code of conduct, such as publications which are abusive, misleading, or in any other way inappropriate and/or to engage in legal procedures when deemed necessary by us.
We are not able to provide complete follow-up, or to respond to all cases. For instance, most of the follow-up we provide pertains to the conversations in English.
The entirety of the Website and its contents, and more specifically (but not limited to) the texts, graphs, images, logos, and icons are the property of United Advisers Marine and/or those who have granted the latter a licence or permission to use specific texts, graphs, images, logos, and icons.
These elements are protected by intellectual property rights and other property rights.
It is forbidden to copy, download, duplicate (wholly or partially), transfer (electronically or otherwise), modify, translate, create a link to, or make use of this Website and/or its contents for public or commercial purposes without prior written authorization from United Advisers Marine (with the understanding that users are allowed to download and print elements from the Website for private and non-commercial usage only, provided that the contents are not modified in any way, and that all mentions of copyrights, trademarks, and all other property rights are not modified).
Specifically, photos and videos of individuals cannot be copied without prior written consent from United Advisers Marine.
ENVIRONMENTAL, SOCIAL & GOVERNANCE (ESG):OUR APPROACH TO ESG AND SUSTAINABILITY
At United Advisers Marine, we aim to help clients achieve their financial goals over the long term. We believe that the consideration of Environmental, Social, Governance (ESG) factors forms an important consideration when providing financial advice and ensuring that clients are aware of the principal adverse impacts on sustainability factors and sustainability risks on returns are brought to the client’s attention as part of our advisory process when determining suitability of a client’s ESG preferences.
Our clients may request certain investment sectors or industries to include or avoid in our recommendations as part of our financial review.
What is Sustainability risk?
Sustainability risk is defined as an environmental, social or governance (ESG) event or situation that, if it occurs, could have a material adverse impact on the value of the investment.
The objective of this policy is to describe the integration of sustainability risks into our investment advisory activities. For the avoidance of doubt, this Sustainability Risk Policy does not cover the investment service of Reception and Transmission of orders (i.e. execution-only).
In the same way as market risk, counterparty risk or liquidity risk, sustainability risks should be taken into consideration in any investment, such as:
- physical risks, resulting from damage caused by extreme weather and climate events. These can be acute (due to natural events such as fires), or chronic (related to sustained higher temperatures and long-term geographic shifts such as rising sea level). These include heat, cold, drought, tropical cyclones, fires and floods.
- social and human rights risks, negatively impacting workers and surrounding communities (forced labour and slavery, child labour, respect for indigenous peoples and their cultural heritage, the right of ownership, discrimination, freedom of association, the health and safety of persons, the decent nature of working conditions, remuneration and social protection, the right to privacy).
- governance and other ethical risks (embargoes and sanctions, terrorism, corruption and bribery, resources appropriation, tax evasion, data protection).
- transition risks, resulting from the development of a low-carbon economic model (regulatory and legal risks, technological risks, reputational risks or risks linked to market opportunities).
- reputational risks are a key element of sustainability risks as market and consumer perceptions of our brand increasingly depend on our ESG initiatives and practices. Potential financial damages are an additional consequence of the occurrence of the events, developments or behaviours outlined above.
SUSTAINABLE RISK IDENTIFICATION
Our risk assessment process is performed as part of the investment suitability process and considers sustainability risk. This assessment includes, but is not limited to, assessing the issuer’s (Fund Manager/Product Provider) ESG risk profile by making use of data from external providers on the following:
- Environmental criteria including notably energy efficiency, reduction of emission of greenhouse gases and waste treatment);
- Social criteria concerning in particular respect of human and workers’ rights, human resources management (workers’ health and safety, diversity) and
- Governance criteria relating in particular to the independence of the board of directors ’/management body, the remuneration of managers and the respect of minority shareholders’ rights).
“ESG” are the three pillars of financial analysis we use for assessing how and to what extent a Financial Product Issuer/Fund Manager integrates ESG in their investment strategy and risks policy.
INTEGRATION OF SUSTAINABILITY RISKS IN INVESTMENT ADVICE
In the context of investment advice, the management of sustainability risks covers the following financial instruments:
- Transferable Securities (Equities, Bonds, ETFs etc.)