Last updated: February 2026
This agreement sets out the terms under which Al Miller, Financial Communication Specialist, Gibraltar (referred to throughout as the Provider) provides professional writing and communication services to the commissioning firm (referred to throughout as the Client).
By commissioning work, the Client agrees to the terms set out in this agreement.
The Provider produces written content and supporting documentation for FCA-authorised financial advisers, wealth managers, and related regulated firms. Services include, but are not limited to, the production of client-facing guides, FCA compliance assessments, marketing usage guides, market commentaries, client communications, and website content.
The specific deliverables for each project will be agreed in writing before work begins. This may take the form of an email exchange, a project brief, or a formal scope document. The agreed scope constitutes the basis for the project and any subsequent assessment of whether the deliverables meet the brief.
The Provider is not authorised or regulated by the Financial Conduct Authority. The Provider does not provide investment advice, personal recommendations, or approve financial promotions.
All content produced by the Provider is delivered as draft material for the Client to review, approve, and if appropriate submit for compliance sign-off through the Client’s own internal processes. All regulatory responsibility for the approval and distribution of materials rests with the Client as the authorised person.
Where the Provider produces FCA compliance assessments or regulatory documentation, these are provided as supporting analysis to assist the Client’s compliance function. They do not constitute compliance sign-off and should not be treated as such.
Fees for each project will be agreed in writing before work begins. Unless otherwise agreed, the following terms apply:
Where a founding client offer or other promotional rate has been agreed, the specific terms of that offer will be confirmed in writing before work begins.
Late payments may incur interest at a contractual rate of 4 per cent above the Bank of England base rate, calculated daily from the due date until payment is received.
The Provider will confirm an estimated timeline for each project before work begins. Typical turnaround for a first draft is two to three weeks from receipt of the brief and deposit payment.
The timeline assumes the Client provides all necessary briefing information, access, and feedback within reasonable timeframes. Delays caused by the Client may extend the project timeline accordingly.
If circumstances arise that may affect the agreed timeline, the Provider will notify the Client as soon as reasonably practicable and propose a revised schedule.
One round of revisions is included in the agreed fee. A revision is defined as feedback provided on the first draft that is consistent with the original brief.
The Provider will incorporate the Client’s feedback and deliver a revised version within a reasonable timeframe, typically five to seven working days.
Additional rounds of revisions beyond the included round, or revisions that materially change the scope or direction of the project beyond the original brief, may be subject to an additional fee. The Provider will notify the Client and agree the additional fee before proceeding.
Feedback on the first draft should be provided within 14 days of delivery. If no feedback is received within 28 days, the project will be deemed complete and the final payment will become due.
On receipt of full payment, the intellectual property rights in the deliverables transfer to the Client. The Client is then free to use, modify, distribute, and reproduce the content as they see fit, subject to any regulatory obligations that may apply to the distribution of financial promotions or communications.
Until full payment is received, all intellectual property rights remain with the Provider. The Client may not use, distribute, or publish any deliverables until the final payment has been made.
The Provider retains the right to reference the project in general terms for portfolio and marketing purposes, including describing the type of work produced and the subject matter covered. The Provider will not disclose the Client’s identity without written permission, except where a testimonial or case study has been separately agreed.
The Provider will treat all information provided by the Client as confidential and will not disclose it to any third party without the Client’s written consent, except where required by law or where disclosure is necessary to deliver the project.
The Client agrees to treat any proprietary methods, templates, or processes shared by the Provider as confidential.
Confidentiality obligations survive the termination of this agreement.
Neither party will share the other’s data beyond what is necessary for the project without prior written consent. The Client remains data controller for any personal data relating to the Client’s own clients. The Provider will not request, and the Client should not provide, personal data relating to individual retail clients unless strictly necessary for the project scope.
The Provider processes personal data in accordance with the Privacy Policy published on the Provider’s website. Both parties will comply with their respective obligations under applicable data protection legislation, including the Gibraltar Data Protection Act 2004, the EU General Data Protection Regulation as applied in Gibraltar, and the UK General Data Protection Regulation and Data Protection Act 2018 insofar as they apply.
During the course of a project, the Client may share briefing information that includes references to client demographics, target audience characteristics, or firm-specific data. Both parties acknowledge that any personal data shared during a project will be processed only to the extent necessary to deliver the agreed services.
Neither party will share the other’s data beyond what is necessary for the project without prior written consent. The Client remains data controller for any personal data relating to the Client’s own clients. The Provider will not request, and the Client should not provide, personal data relating to individual retail clients unless strictly necessary for the project scope.
The Provider processes personal data in accordance with the Privacy Policy published on the Provider’s website. Both parties will comply with their respective obligations under applicable data protection legislation, including the Gibraltar Data Protection Act 2004, the EU General Data Protection Regulation as applied in Gibraltar, and the UK General Data Protection Regulation and Data Protection Act 2018 insofar as they apply.
The Client is responsible for providing accurate and complete briefing information, including details about the firm, its target clients, compliance requirements, and any house style preferences.
The Client is responsible for reviewing all deliverables, obtaining any necessary internal approvals, and ensuring that all content is compliant with applicable regulations before distribution. The Provider’s FCA compliance assessments are designed to support this process but do not replace it.
The Client is responsible for adding firm-specific details such as firm name, contact information, FCA registration number, and branding to the designated placeholders in the deliverables.
The Provider’s total liability in connection with any project shall not exceed the fee paid or payable for that project.
The Provider accepts no liability for any indirect, consequential, or special loss arising from the use of the deliverables, including but not limited to loss of business, loss of revenue, loss of clients, or regulatory action.
The Provider accepts no liability for the Client’s use or distribution of the deliverables, the accuracy of information provided by the Client and incorporated into the deliverables, regulatory consequences arising from the Client’s approval and distribution of the content, or any loss arising from the Client’s failure to obtain appropriate compliance sign-off before distribution.
Nothing in this agreement excludes or limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by law.
Either party may cancel a project by giving written notice to the other.
If the Client cancels before work has commenced, any deposit paid will be returned in full. If the Client cancels after work has commenced but before delivery of the first draft, the deposit will be retained by the Provider to cover work completed to date and no further fees will be due. If the Client cancels after delivery of the first draft, the full project fee is payable.
If the Provider cancels for any reason, any deposit received will be returned in full and the Client will have no further obligation to pay.
Where a project is commissioned under the founding client offer, the discounted fee applies to the first project only. The Client agrees to provide a testimonial and to permit the Provider to reference the completed project as a case study, subject to the Client’s prior approval of any published material. All other terms of this Agreement apply to founding client projects without modification.
The founding client rate is available while the Provider is establishing the practice and is offered at the Provider’s discretion. The standard cancellation terms in Section 11 apply to all founding client projects.
Neither party shall be liable for failure to perform its obligations where such failure results from circumstances beyond its reasonable control, including but not limited to illness, natural disaster, pandemic, government action, or infrastructure failure. The affected party will notify the other as soon as reasonably practicable and both parties will use reasonable efforts to mitigate the impact.
This agreement is governed by the laws of Gibraltar. Any dispute arising from or in connection with this agreement shall be subject to the exclusive jurisdiction of the courts of Gibraltar.
This agreement, together with any project-specific scope agreed in writing, constitutes the entire agreement between the parties. It supersedes any prior discussions, representations, or agreements relating to the subject matter.
No variation of this agreement shall be effective unless agreed in writing by both parties.
If any provision of this agreement is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
For questions about this service agreement or to discuss a project, please contact:
Al Miller
Financial Communication Specialist
Forbes Building, Devil’s Tower Road, Gibraltar
Email: info@almillerfcs.com
Telephone: +350 5600 4546
