The FSA has rules which affect the rights you have as a customer.
We classify all our individual customers as ‘retail’ customers. As a retail customer you have rights under
the Financial Ombudsman Service (FOS) and the Financial Services Compensations Scheme (FSCS). These are set
out in the Service and Cost Disclosure Document in the section, “What to do if you have a complaint” and
“Are we covered by the FSCS”. We have internal complaint handling procedures; a copy of these is available
There are other classifications of customer that do not have these rights. These are ‘professional’
customers—such as listed companies, local authorities and larger partnerships or Trusts. Similarly such
as National Governments, Banks, or regulated Financial Services firms do not enjoy the same rights as retail
If you would like to know how you would be classified, please write to Baxter & Lindley Financial Services
Limited Compliance Section, 17 High Street, Tring, Herts, HP23 5AH, or to the FOS and/or the FSCS.
These Terms of Business will apply from 1st September 2009 and will remain valid until further notice.
We reserve the right to change them or anything in them at any time. Either we or you can end them at any
time, without penalty, and this will not affect any outstanding transactions being carried out on your behalf.