Important Information & Risks
Risk Disclosure
This page applies to the Holborn group of companies and to the information published on this website.
Nothing on this website is advice
The content of this website is general information only. It does not constitute a personal recommendation, investment advice, or an offer or solicitation to buy or sell any product, and it is not directed at any person in a jurisdiction where Holborn is not authorised to carry on the relevant activity. Advice is given only after we have assessed your circumstances, and any recommendation we make is based on the information you give us, including your fact find, any questionnaires and the supporting documents you provide. We will give you our Terms of Business / Client Agreement before we act for you.
Investment risk
Not all products are suitable for all investors. The value of investments can fall as well as rise and you may get back less than you invested; with some investments you could lose the full amount.
Past performance, projections and illustrations
Past performance is not a reliable indicator of future results. Where we show you past performance, simulated past performance, projections, illustrations or growth assumptions, these are for illustrative purposes only, do not represent a guarantee or a forecast of the return you will actually receive, and do not take account of your individual tax position.
Currency risk
Where a product or the underlying investments are denominated in a currency other than your own, changes in exchange rates may increase or reduce the value of your investment independently of its performance.
Access to your money
Some products restrict access to your money for a defined period, or apply charges or penalties if you withdraw, surrender or reduce contributions early. In some cases the amount you receive on early exit may be significantly less than the amount you have paid in. Where this applies, information on the term, the charges and the early-exit position will be provided to you before you proceed.
Your regulatory protection
The level of regulatory protection available to you depends on three things, and we will confirm each of them to you in writing before you proceed:
- The capacity in which we act. Where Holborn acts as an introducer or facilitator rather than as your adviser, we will tell you, and we will not be making a personal recommendation to you in a form of a Suitability Report.
- The product. Some funds and other investments may not themselves be regulated in your jurisdiction.
- Your client classification. Where you are classified as a Professional Client — whether by assessment against the applicable criteria or at your own request — you will receive fewer regulatory protections than a Retail Client, including in relation to the information we must give you, the suitability assessment we must carry out, and access to complaints and compensation arrangements.
Where any of these apply, the protections of the relevant regulator — including access to its complaints or compensation arrangements — may be limited or unavailable.
Not every Holborn entity is a regulated financial services provider
The Holborn group includes entities that hold financial services licences in the jurisdictions listed here, and entities that do not. Where an individual is shown as connected to an entity that is not itself a licensed financial services provider, that individual is not offering regulated advice or services in that capacity, and no such protections apply to dealings with them in that capacity.
Who you are dealing with, and how to raise a concern
The Holborn group operates through separately regulated entities in a number of jurisdictions, each authorised by its own regulator. Your relationship is with the Holborn entity named in the Client Agreement and or Terms of Business you have signed, and those documents set out how to raise a complaint with that entity, including the regulator it is authorised by as applicable.
If you are unsure which entity holds your business, or you do not have those documents to hand, please contact our centralised team at holborngroup@holbornassets.com and we will direct you to the right place.
Last reviewed: September 2026