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The value of your investments can go down as well as up. You may not get back all the funds you invest.
Brokerage Services provided by TD Direct Investing (Europe) Limited (a subsidiary of The Toronto-Dominion Bank). Incorporated in England and Wales under registration number 2101863. Registered office: Exchange Court, Duncombe Street, Leeds, LS1 4AX, United Kingdom. Authorised and regulated by the Financial Conduct Authority, 25 The North Colonnade, Canary Wharf, London, E14 5HS, United Kingdom (Financial Services Register Firm Reference Number 141282), member of the London Stock Exchange and the ICAP Securities and Derivatives Exchange. VAT Registration No. 397103051. www.tddirectinvesting.co.uk
Banking Services provided by TD Bank N.V. Incorporated in the Netherlands and registered as a branch in England and Wales under branch registration number BR006780. Authorised by the Dutch Central Bank (De Nederlandsche Bank – DNB Institution Number 481) and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority (Financial Services Register Firm Reference Number 216791). Details about the extent of our regulation by the Financial Conduct Authority and Prudential Regulation Authority are available from us on request
Compensation Arrangements (see also Appendix E of our Terms of Service)The compensation arrangements applicable to your assets held with us are dependent on where your assets are held. This is set out in the terms of service.
TD Direct Investing (Europe) Limited
Stock held electronically with us is placed in safe custody with a nominee company that has been established for this purpose in accordance with FCA rules. Stock held within the customer's brokerage account is covered by the FSCS. This means that if we are unable or likely to be unable to pay claims against us, customers can apply to the FSCS for compensation.
Cash held within TD Direct Investing is protected as client money and are segregated from firms money. In the event of failure of TDDI then the funds should remain segregated and should be repaid to the client in full. Should any shortfall arise due to discrepancies on distribution then each client will be entitled to make a claim under the FSCS.
Any claim against the stock and cash will be limited to £50,000 per individual. Further information is available on the FSCS website at www.fscs.org.uk.
Your cash is pooled with those of other clients and deposited with a number of Financial Institutions. The UK deposits are protected under the FSCS to a value of £85,000. In the interests of diversifying the risk we may invest a proportion of the pooled money in a Country outside the UK where we cannot guarantee that the money will be protected by similar Deposit Guarantee Scheme to the FSCS. The FSCS publish some useful material on this matter on www.fscs.org.uk/what-we-cover/questions-and-answers/qas-about-investments.
TD Bank NV
Your eligible deposits with TD Bank N.V. are protected up to a total of 100,000 euro by the Dutch Deposit Protection Scheme and are not protected by the UK Financial Services Compensation Scheme. Any deposits you hold above the 100,000 euro limit are not covered. Further information is available on the De Netherlandsche Bank website at www.dnb.nl/en.