FAQ

Questions,
answered plainly.

About what we do

Scope and limits.

Can you tell me what to invest in?

No. A personal recommendation about investments is regulated advice, and it must come from an FCA-authorised adviser. We will help you find one.

Are you regulated by the FCA?

No. St James Finance Ltd is not authorised or regulated by the Financial Conduct Authority. We say so on every page of this website.

Do you hold or manage client money?

No. We neither hold nor manage client money, and we do not operate any form of client account.

What does it cost to talk to you?

An initial conversation costs nothing. If anything beyond that would carry a fee, we will tell you what it is before you commit to it.

What happens after I send an enquiry?

A person reads it and replies. There is no automated sequence, and your details are not passed to anyone without your agreement.

Do you sell anything on this website?

No. There is nothing to buy here, and nothing on this site is an offer or an invitation to invest in anything.

Checks and protections

How to verify what you are told.

How do I check an adviser is authorised?

Search the Financial Services Register at register.fca.org.uk. It is free and public. Type the address in yourself rather than following a link you were sent.

What protection do I have when dealing with you?

Because we are not authorised, the Financial Ombudsman Service and the FSCS do not apply to our work. Those protections attach to regulated activity by authorised firms — another reason we refer regulated matters onward.

Does “unregulated” mean something is wrong?

No. Many legitimate businesses sit outside the regulatory perimeter because of what they do. What matters is that a firm is clear about its status and does not stray into activity it is not authorised for.

What do you do with my data?

We use it only to reply to you, and we delete enquiry correspondence after 24 months. The full detail is in our privacy policy.

Something we haven’t covered?

Working with advisers
Contact

Send an enquiry

Tell us a little about you and we’ll come back to you. This form is for general enquiries only — please don’t include investment instructions, account numbers, or sensitive personal information.

Your details are used only to respond to your enquiry — see our privacy policy. St James Finance Ltd is not authorised or regulated by the FCA, and nothing here constitutes investment advice.