Legal & Regulatory

Conditions of use, data control, regulatory and legal procedures.

The licences we hold, the regulators we answer to and the complaints procedure available to every client.

Regulated by

Nexus Global.

Nexus Global is a trading style of Blacktower Financial Management (International) Limited (“BFMI”), which is authorised and regulated by the Gibraltar Financial Services Commission (GFSC) under licence number 03647.

Nexus Global provides a regulatory and compliance framework to support financial advisers in delivering financial planning and advisory services through a regulated structure. Advisers within the Nexus Global framework specialise in supporting individuals and families with complex financial needs.

United Advisers / BFMI is a trading style of Blacktower Financial Management (International) Limited.

Further details of BFMI’s regulatory status and individual advisers registered can be found on the GFSC register.

Complaints

How to raise a concern or complaint.

Nexus Global operates a formal complaint-handling procedure. We will acknowledge your complaint promptly and provide you with details of how it will be handled.

You can contact us by email or in writing:

Email: complaints@blacktowerfm.com

Address:
Nexus Global
Waterport Place, Floor 2, Unit 2.3
Europort Road
Gibraltar GX11 1AA

Conditions of use

Provided information

The information provided through this website and our social media channels is free, for information purposes only, and does not encourage the undertaking of any specific action, nor advise for or against a specific line of action. We cannot guarantee the appropriateness, correctness, accuracy, completeness, authenticity or current nature of the information provided. Any reliance on it is your responsibility.

Not investment advice

Neither the website nor its contents constitutes, in whole or in part, advice or a recommendation to invest, or an invitation, offer or solicitation to buy, subscribe to, sell or redeem any financial instrument. The information does not take account of your financial expertise, investment goals, financial situation or specific circumstances. Seek professional, specific, individual and adequate advice before making any investment-related decision — especially regarding applicable fiscal and legal regimes.

Past performance

Past performance is not a reliable indicator of future results. The value of investments can fall as well as rise. Performance statements may be influenced by taxes, commissions, costs, rate fluctuations and other factors. The net yield on any given investment depends on the individual situation of the investor at a given time. Tax treatment depends on individual circumstances and may change in the future.

Recommendations for the user

Before investing in a financial instrument, always consult the official documentation: prospectus, reports and any other available information. Where a communication refers to past performance, simulations or future projections, those figures cannot be considered reliable indicators of future performance.

Use of social media

For legal and compliance reasons, United Advisers Group (and any other entity of United Advisers Group) does not comment on social media regarding individual portfolio or instrument performance. For individual information, personalised offers or recommendations, please contact the relevant department at United Advisers Group directly. Never publicly disclose personal financial information or bank account details.

Disclaimers

Within applicable legal limits, United Advisers Group (and all other entities of the group) shall not be held responsible for loss or damage resulting directly or indirectly from access to, downloading from, or use of this website or any website to which it links. Messages sent over the internet cannot be guaranteed to be secure and are subject to possible interception, loss or alteration.

Intellectual property

The entirety of the website and its contents — including texts, graphics, images, logos and icons — are the property of United Advisers Group or those who have granted a licence to use them, and are protected by intellectual property rights. No part may be copied, reproduced, transferred or modified for public or commercial purposes without prior written authorisation. Photographs and videos of individuals may not be copied without prior written consent.

Legal representative of the website

U.A. Professional Services Spain SL, a company under Spanish law, with headquarters at Calle Pedro Miguel Marques, 9-1B, 07181 Palmanova, Spain.

ESG

Sustainability risk in our advice.

We help clients achieve their financial goals over the long term. The consideration of Environmental, Social and Governance (ESG) factors is an important part of providing financial advice. Clients are made aware of the principal adverse impacts on sustainability factors and sustainability risks on returns as part of our advisory process, when determining the suitability of a client’s ESG preferences.

Sustainability risk is defined as an environmental, social or governance event or situation that, if it occurs, could have a material adverse impact on the value of the investment. In the same way as market risk, counterparty risk or liquidity risk, sustainability risks — physical, social, governance, transition and reputational — are taken into consideration in any investment.

Our risk assessment is performed as part of the investment suitability process. It includes assessing the issuer’s (Fund Manager / Product Provider) ESG risk profile using data from external providers across environmental, social and governance criteria. ESG is one of the three pillars of financial analysis we use to assess how a Financial Product Issuer or Fund Manager integrates sustainability into their investment strategy and risk policy.

In the context of investment advice, the management of sustainability risks covers UCITS and transferable securities (equities, bonds, ETFs and similar instruments). This Sustainability Risk Policy does not cover the investment service of Reception and Transmission of orders (execution-only).