Terms & Conditions

Regulatory Information

The Neba Private Clients Group of Companies have offices across the Middle East (MENA), Far East (Asia-Pacific) and Europe. Neba Private Clients seeks to be regulated in all the regions in which it operates.

Regulation provides protection for those investing in financial services products. This improves overall standards which leads to an improvement in investor confidence.

We are currently regulated by the following regulatory entities:

• Regulated by the Insurance Authority/ Central Bank UAE. Registration number 154 since May 2002.

• Neba Private Clients Capital is licensed by the Securities and Commodities Authority (SCA) UAE (License No. 608025)

• Regulated in Malaysia by the Labuan Financial Services Authority License number BS201292

• Regulated in Singapore by the Monetary Authority of Singapore (MAS) Financial Adviser’s Licence Number FA-100044-3

• Neba Private Clients Wealth South Africa (PTY) Ltd. authorised by the FSCA (License No. 49466)

Regulated Activities:

• Providing advice, either directly or through publications or writings, and whether in electronic, print or other forms, concerning the following investment products, other than -
  (i) in the manner specified in paragraph 2 of the Second Schedule to the Financial Advisers Act (Cap. 110); or
  (ii) advising on corporate finance within the meaning of the Securities and Futures Act (Cap. 289)
      - Life policies
      - Securities other than collective investment schemes
      - Collective investment schemes

• Advising others by issuing or promulgating research analyses or research reports, whether in electronic, print or other forms, concerning the following investment products
    - Life policies
    - Securities other than collective investment schemes
    - Collective investment schemes

• Marketing of any collective investment scheme.

• Arranging of any contract of insurance in respect of life policies.

Anti-money laundering regulations

In line with current Anti Money Laundering Regulations, the Neba Private Clients Group of Companies is required to verify a client’s identity at the start of a business relationship and thereafter at regular intervals, in an ongoing relationship.

We are not legally obliged to share the outcome of our AML checks with prospects/ clients at any stage. As per regulatory requirements, we may be obliged to share personal information with the local regulators as and when required. We shall not be held liable for any proceedings that may result due to sharing of any information with the regulators.

Product information on this site

The site may contain information on various investment products including:

• General Insurance,

• Personal Insurance

• Investment Management

• Financial Advisory

• Financial Planning

• Private Banking

• Succession Planning

• Real Estate Advisory

• Citizenship & Residency

• Family Offices

The information provided on the website should not be regarded as an offer to subscribe or as investment advice in any form. Specific personal advice can only be provided after a consultation with one of our advisers and after taking your personal circumstances and requirements for your future wellbeing into consideration. Some of the products may not be legally available to residents of certain countries and jurisdictions. There are strict rules regarding the availability of investment funds to residents of Singapore and Hong Kong. People residing in these countries will need to be assessed in relation to their investment experience and financial wealth before any investment funds can be recommended to them. No investment mentioned on this site should be regarded as being targeted or appropriate for investment without bespoke advice being provided. If you are unsure as to whether an investment is suitable for you, please seek professional advice from us before proceeding.

Please note that the value of investments and the income from them can fall as well as rise and you may not receive back the original amount invested. In some circumstances, investments can result in complete loss of capital. Exchange rate movements between currencies may also affect the value of investments. Past performance does not guarantee future performance. Specific risks associated with particular investments are detailed in the fund prospectus documents, which you should always read before considering investments.

Taxation

You are advised to consult a taxation specialist in relation to your personal circumstances. The numerous scenarios can be complex, especially for people living away from their residence or domicile.

Any taxation opinions given by Neba Private Clients are to the best of our knowledge and belief at the time they are provided. Taxation laws can and do change without warning or notice Neba Private Clients. Neba Private Clients cannot, therefore, assume responsibility for any taxation issues you subsequently face through holding investments, retirement planning, mortgage arrangements or other advice given.

Whilst every effort is made to ensure that the information within this site is correct, we cannot accept any responsibility for any errors or omissions by either ourselves or third parties. Any opinions expressed are based on our judgment at the time of writing and are subject to change without notice. 

Mortgages

In some jurisdictions, Neba Private Clients can assist with mortgage enquiries. Please ask us whether we can assist with your enquiry. Please bear in mind that the property may be repossessed if you do not keep up payments on a mortgage or other loan secured on it.

Making an enquiry

By completing one of our enquiry forms you will be consenting that the information provided can be processed to provide you with advice within The Neba Private Clients Group of companies. This information will not be disclosed to third parties (with the exception of the necessary processing of business or through direct enquiry by our regulators or government authorities) without obtaining your prior consent. This is in line with current global data protection principles.

Under no circumstances should the information on this site be reproduced, copied or redistributed.