At Graham Carter & Co, we believe in doing what is right — for our clients, our profession, and our community. We are authorised and regulated by the Financial Conduct Authority (FCA) and are committed to the highest ethical and professional standards.

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Our Commitment to You

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Acting in Your Best Interests

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• We will always put your needs at the heart of our advice.

• Our recommendations will be based on a clear understanding of your circumstances, priorities, and goals.

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Consumer Duty – Good Outcomes for Clients

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We are committed to the FCA’s Consumer Duty, which means we will always strive to deliver:

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1. Products & Services – that are right for your needs.

2. Price & Value – fair and transparent charges.

3. Consumer Understanding – clear, jargon-free information.

4. Consumer Support – help when you need it, without unreasonable barriers.

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Vulnerable Clients

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We recognise that some clients may be more vulnerable due to health, personal circumstances, or financial understanding.

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• We take extra care to identify and support vulnerable clients.

• We adapt our services where necessary to ensure everyone receives fair treatment and clear advice.

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How We Work

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Data Protection & Confidentiality

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• We comply with the UK GDPR and the Data Protection Act 2018.

• Your personal information is held securely and used only for lawful purposes.

• You have rights over your data, including access, correction, and deletion.

• If you would like to know more, please ask us for our Privacy Notice.

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Conflicts of Interest

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• We aim to avoid conflicts of interest wherever possible.

• If a conflict arises, we will explain it clearly and agree with you how it should be managed.

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Financial Crime Prevention

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• We take financial crime seriously and have safeguards in place to protect you and your money.

• We will always verify bank account changes or unusual instructions before acting.

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Professional Standards

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• We follow the Chartered Insurance Institute’s (CII) Code of Ethics, including:

  • Acting with integrity and professionalism

  • Being honest, fair and respectful

  • Maintaining our technical knowledge through continuous professional development

  • Treating everyone fairly, regardless of background or personal circumstances

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If Things Go Wrong

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We always aim to deliver the highest standard of service. However, if something does go wrong:

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• We have a formal complaints procedure.

• We will try to resolve your concerns quickly and fairly.

• If you are not satisfied, you can refer your complaint to the:

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Financial Ombudsman Service (FOS)
Exchange Tower, London, E14 9SR
Tel: 0800 023 4567
Website: www.financial-ombudsman.org.uk

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Our Promise

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• We will always act with honesty, integrity, and professionalism.

• We will communicate clearly and openly.

• We will provide advice and services that are suitable for your needs.

• We will treat you fairly, respectfully, and with care at all times.

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If you ever feel we are not living up to these standards, we encourage you to let us know so we can put things right.