Important regulatory information

The Fry Group of companies comprises – Wilfred T Fry Ltd (company number: 00212927), Wilfred T Fry (Executor and Trustee) Ltd (company number: 00358067), British Taxpayers Association Ltd (company no: 00251284), Harris Stewart Ltd (company no: 07650065) and Wilfred T Fry (Personal Financial Planning) Ltd (company number: 00913711), all registered in England and Wales. Registered office: 1a Tower Square, Wellington Street, Leeds, England, LS1 4DL. Wilfred T Fry (Personal Financial Planning) Ltd is authorised and regulated by the Financial Conduct Authority (FCA) under regulatory no. 114402. VAT No: 238916532 Telephone No: +44 01903 231545 Email: worthing@thefrygroup.co.uk Website: www.thefrygroup.co.uk The Fry Group (H.K.) Limited (company no: 51255393) is registered in Hong Kong. Licensed to conduct investment advisory and asset management in Hong Kong by the Securities & Futures Commission (SFC) under CE no. ATY965, and as an insurance broker by the Insurance Authority (IA) under licence no. FB1207. Registered office: Unit 1115, Tower 2, Lippo Centre, 89 Queensway, Admiralty, Hong Kong.  Telephone No: + (852) 2526 9488, Email: info@thefrygroup.hk Website: www.thefrygroup.hk The Fry Group (Singapore) Pte Ltd (company no: 201506546H) is registered in Singapore. It is authorised to act as a financial adviser by the Monetary Authority of Singapore (MAS) under licence no FA100057. Registered office: 6 Battery Road #16-04/05, Singapore 049909. Telephone No: + (65) 6225 0825 Email: info@thefrygroup.sg Website: www.thefrygroup.sg Wilfred T Fry (Personal Financial Planning) Limited – The Fry Group (DIFC Branch) (company no: CL3102) is registered in the Dubai International Finance Centre (DIFC) and regulated by the Dubai Financial Services Authority (DFSA) under registration no. F005071. Registered office: Emirates Financial Towers, Level 3, North Tower, Office 310, PO Box 507290, DIFC, Dubai. Telephone No: + 971 (0)4 389 4900 Email: info@thefrygroup.ae Website: www.thefrygroup.ae The Fry Group (Belgium) SA (company no: BE 0457 936 109) is registered in Belgium and regulated by the Financial Services and Markets Authority (FSMA) under registration no. 23345 A to provide insurance advice. Registered office: c/o The Nest Work, Ave de Broqueville 12, 1150 Brussels, Belgium. Telephone No: +32 (0)2639 4560 Email: info@thefrygroup.be Website: www.thefrygroup.be. 

Data Protection 

By completing our enquiry forms you will be consenting that the information provided can be processed to provide you with advice within The Fry Group of companies. This information will not be disclosed to third parties (with the exception of the necessary processing of business) without obtaining your prior consent. For more information on this and the rest of our data protection policy, including contact details for the relevant Data Protection Authority, please see our Privacy Notice. 

Risk Warnings  

Any information on this website relating to services and products is of a generic nature, are not specific to an individual’s personal circumstances and should not be taken as advice or recommendation. Any tax treatment is dependent on the individual circumstances of each client and may be subject to change in future. You should seek professional advice before making any financial decisions.  

Complaints Procedure 

Our full complaints disclosure is available on request. If you wish to register a complaint, please contact the relevant office as follows: 

UK

In writing to:

The Compliance Officer,
The Fry Group,
Crescent House,
Crescent Road,
Worthing,
West Sussex,
BN11 1RN

Or by email to: info@thefrygroup.co.uk
Or by telephone on: +44 (0)1903 231545

You may refer your complaint directly to the Financial Ombudsman Service, full contact details of which are listed on their website at www.financial-ombudsman.org.uk or European-based clients can refer to the European Commission Online Dispute Resolution website at http://ec.europa.eu/consumers/odr/ 

Hong Kong

In writing to:

The Compliance Officer
The Fry Group (H.K.) Ltd
Unit 1115, Tower 2
Lippo Centre,
89 Queensway,
Admiralty,
Hong Kong

Or by email to: info@thefrygroup.hk
Or by telephone on: +(852) 2526 9488

Should you be dissatisfied with The Fry Group (H.K) Ltd response to a complaint, you can contact the SFC at www.sfc.hk You may also refer the case to the Financial Dispute Resolution Centre, full contact details of which are listed on their website at https://www.fdrc.org.hk/.

Singapore

In writing to:

The Compliance Officer,
The Fry Group (Singapore) Pte. Ltd
6 Battery Road #16-04/05,
Singapore 049909

Or by email to: info@thefrygroup.sg
Or by telephone on: +(65) 6225 0825

If you are not happy with our resolution of a complaint, you may wish to the contact the Financial Industry Disputes Resolution Centre (FIDReC), their details of which can be found on their website www.fidrec.com.sg

Belgium

In writing to:

The Compliance Officer,
The Fry Group (Belgium)
C/o The Nest Work, Ave de Broqueville 12,
1150 Brussels,
Belgium

Or by email to: info@thefrygroup.be
Or by telephone on: +32 (0)2639 4560

If you cannot settle your complaint with us, you may be entitled to refer it to the relevant Belgium Ombudsman Service via www.ombudsman.be/fr/ombudsmans/ombudsman-des-assurances . European-based clients may also refer directly to the European Commission Online Dispute Resolution website at http://ec.europa.eu/consumers/odr/

Middle East

In writing to:

The Compliance Officer
Wilfred T Fry (Personal Financial Planning) Ltd – The Fry Group (DIFC Branch)
Emirates Financial Towers,
Level 3, North Tower, Office 310,
PO Box 507290
DIFC,
Dubai

Or by email to: info@thefrygroup.ae
Or by telephone on: +(971) 04389 4900

If you cannot settle your complaint with us, you may be entitled to refer your complaint to the Dubai Financial Services Authority, more details of which can be found on their website www.dfsa.ae/en/Consumer/Consumer#Complaints.

Section 172(1) statement

The directors of the group have acted in accordance with their duties codified in law, which include their duty to act in the way in which they consider, in good faith, would be most likely to promote  the success of the Group for the benefit of its members as a whole, having regard to the stakeholders and matters set out in section 172(1) of the Companies Act 2006.

The regulatory requirements the Group has to meet provide a framework to demonstrate how the board makes decisions for the long term success of the Group including having regard to how the board makes sure the business complies with the requirements of section 172 of the Companies Act 2006. The business depends upon long term relationships with clients and suppliers. Decision making and forward planning of the directors takes into consideration the following long term factors:

  • Anticipating client needs
  • Anticipating changes to laws and regulation
  • Investing in IT and security infrastructure
  • Retaining key staff
  • Incorporating sustainability as a core value

Sustainability policy

1. Sustainability risk policies

In accordance with the EU Sustainable Financial Disclosure Regulation (SFDR), our office incorporates sustainability risks into its insurance advice on insurance-based investment products to the extent that this information is made available by the insurance provider.

The SFDR defines sustainability risk as “an environmental (E), social (S) or governance (G) event or condition which, if it occurs, could have a material adverse effect, actual or potential, on the value of the investment”.

In the context of advising on insurance-based investment products, the remuneration policy applicable in our office does not encourage excessive sustainability risk taking

2. Negative impacts on sustainability factors

The SFDR has defined sustainability factors as “environmental, social and personnel issues, respect for human rights and the fight against corruption and bribery”.

The regulatory framework for sustainability factors and the negative impacts of investment decisions on sustainability factors is currently incomplete and will continue to evolve over the coming months and years.

For this reason, our office does not currently take into account the negative impacts of investment decisions on sustainability factors in its insurance advice on insurance-based investment products.

We will adapt this policy as the regulatory framework evolves.

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