Luxembourg-based MiFID II-regulated entities and/or Isle of Man Financial Services Authority-regulated firms invest clients’ funds in UCITS funds. These funds offer exceptional safety due to rigorous regulations, transparency, and robust investor protection measures.

We ensure all our providers and their UCITS funds adhere to strict regulations.

Many of the world’s largest custodian banks, such as JP Morgan, which oversees trillions in assets, often hold tier-one regulations, including UCITS funds.

We will always notify you and include a clear statement on the application form if any solution lacks regulation.

Our best safeguard involves opening third-party accounts with regulated entities. This ensures that, even if we and expatwealthatwork.com were to cease operations, your funds remain secure as long as these third parties maintain their stability. This approach provides ample protection in 99% of scenarios. Ultimately, those managing the funds bear responsibility for their safety.

Occasionally, website visitors enquire about Expat Wealth at Work’s regulatory oversight. We clarify that neither the FCA nor MiFID II regulates Expat Wealth at Work.

Unless explicitly stated during the purchasing process, you should assume that expatwealthatwork.com does not fall under the regulation of MiFID II, FCA, or any other global financial services regulator.

We offer government-regulated solutions through a Luxembourg-based provider, but this applies only to our provider and the funds, not expatwelthatwork.com.

When investing, you should rely on risk-return principles rather than seeking redress for losses. You may not file complaints with any regulator in any country. If you disagree, please refrain from using expatwelthatwork.com.

You agree not to sue expatwealthatwork.com, acknowledging that the contract exists between you and a third-party provider.

We do not actively market in the United Kingdom or the European Union, and neither MiFID II nor the FCA regulates us. We only accept UK and EU expats, certified high-net-worth individuals, and non-solicited clients.

Singapore, the UAE, and Hong Kong

We accept clients from these regions on a non-solicitation basis only. We make no claims about being subject to MAS, DIFC, or any other regulatory body.

Regulatory requirements

Whilst expatwealthatwork.com officially maintains that all our advice originates outside your place of residence and that we bear no legal liability for this advice, we may need to collect information such as tax numbers for legal reasons. If you provide false information or fail to update us on any matter, including your tax number, address, or anti-money laundering activities, we cannot be held legally accountable.

Dispute settlement and jurisdiction

We take pride in our high client satisfaction rate and the strong relationships we’ve built with many of our clients. As such, disputes are highly unlikely. However, we will resolve all issues between us, and the proposed transaction will not give you any legal recourse in any country. You do not have legal authority over Expat Wealth at Work.

In the rare event of a dispute, we will not use your country of residence, our country of residence at the time you submit the claim, or any of the countries in which we are incorporated at the time to resolve it. We will resolve all issues between us, and any investments you make will not give you any legal recourse or jurisdiction in any country.

To address any disputes or concerns, you should first contact Expat Wealth At Work. Secondly, you should speak with the investment provider we introduced you to. We expect you not to pursue the matter beyond these steps.

Countries Under American Sanctions

We will not engage with individuals from countries under American sanctions, such as Iran. We maintain the right to decline any client from any country for any reason. Whilst we don’t automatically exclude many countries, we do not accept US residents, Iranians, or those from other US-sanctioned locations. If you enter into a business relationship with us by misrepresenting your country of residence, or if you relocate to one of these countries after signing up without informing us, we cannot be held legally responsible.

Expatwealthatwork.com’s official stance is that American residents or those from American-sanctioned countries should not contact us for investment advice or guidance. We advise you to only read our website without contacting us.

United Arab Emirates Residents

We do not actively seek business in the United Arab Emirates. Instead, we work with locally regulated providers when clients approach us on a non-solicitation basis and prefer locally licenced products and services.

Investment Fund Collapses and Fraudulent Investments

We conduct thorough checks on global investment opportunities. Fortunately, we have never encountered a fraudulent investment. However, some investments that initially performed well for other brokers have later failed. For example, private investments yielding good returns continued until the owner initiated a Ponzi scheme. Bernie Madoff is a well-known case. Even investment advisors who thoroughly vetted him found no issues with his funds. We cannot be held responsible for any financial losses or fraudulent funds, although we have never faced this situation.

Unregulated Investments

We occasionally offer unregulated assets due to their higher returns. These investments could potentially lose all value. You will have no legal recourse for your losses. The application form provides a detailed explanation of this.

Complaints Procedures

Please direct all concerns solely to hello@expatwealthatwork.com. We ask that no client file a complaint with any external individual, company, or body. If you cannot agree to this term, please do not use this website or any of its affiliates. No disputes may take place in the UK, EU, Australia, New Zealand, South Africa, Hong Kong, Singapore, Canada, the United States, your country of residence or citizenship, or any other country worldwide.

WhatsApp Communication

WhatsApp communications do not necessarily reflect expressthatwork.com’s official stance. We provide these messages for guidance only, and we cannot be held legally accountable for them. You agree not to share these messages with any third parties, including enterprises, companies, or bodies. The same applies to other messenger programmes, such as Facebook Messenger, Line, WeChat, etc.

Telephone Numbers

Our use of a particular number does not indicate regulation in that area. For instance, whilst we use a UK WhatsApp number, Expat Wealth At Work is not regulated in the UK. Likewise, a UK number does not signify a licenced UK advisor. We bear no legal responsibility for any assumptions you make. If someone claims we are regulated somewhere, assume we are not. We never hold funds, often use unregulated solutions, and our regulated solutions are never regulated in the UK, EU, or other highly regulated countries. Consider all our views as unregulated suggestions rather than regulated advice. We expect you to conduct business based on trust, just as we do as consumers.

Guarantees

Life offers only two certainties: death and taxes. Even A-rated banks like Lehman Brothers can fail. When others use the word “guaranteed”, interpret it as “capital guaranteed subject to specific terms and conditions”. This is not expatwealthatwork.com’s official stance. We maintain that life and investments offer no guarantees. Capital-protected and insured investments do not imply promises.

Legal Recourse and Capital Risk

The aforementioned actions carry no legal consequences in any country. You engage with us at your own risk, based on trust. If you believe you need legal assistance or might wish to file a claim against Expat Wealth At Work, only work with an advisor licenced in your home country or place of residence. When investing, expect that your money is at risk, that you could lose it all in extreme situations, and that you have no legal recourse.

By agreeing to these terms and conditions, you promise not to sue Expat Wealth At Work in any country or disparage us on any platform, online or offline. Expatwealthatwork.com will not accept legal responsibility for any of the foregoing or any other claim against us. You also agree not to seek “legal loopholes” or legal advice in any country that may violate this agreement. If you cannot accept that you have no legal recourse against any corporation, business, or individual in any country, court, or regulator, do not engage with us.

Refunds You will not request a refund for any of our products or services.

Loan Notes, Individual Stocks, Bonds, and Private Investments In most cases, the following investments carry high risk:

• Loan notes and other types of private debt

• Individual stocks and bonds

• Private Equity.

Typically, these investments fall outside standard compensation schemes. Loan notes often carry a high risk of default. If you prefer low- or medium-risk options, it’s advisable to avoid these and opt for safer alternatives. By choosing to invest in these instruments, you waive any legal claims against Expat Wealth At Work or the providers.

MiFID II and the FCA

We operate outside the regulatory scope of MiFID II and the FCA; our role is solely to introduce you to financial firms. We do not assume responsibility for any losses you might incur.

This website does not constitute an investment solicitation or offer tax, legal, financial or investment advice. We exclusively engage with expatriate or ultra-high-net-worth/self-certified investors on a non-solicitation basis. Our services are not intended for the retail market.

The services, funds, and products mentioned here are not universally available. This website and its content are not directed at individuals in territories, countries, or jurisdictions where such distribution would contravene local laws or regulations.

Users from the United Kingdom and the European Union

This website’s content targets only “Professional Investors” as defined by the Alternative Investment Fund Managers Directive (2011/61/EU), “Professional Clients” under the Markets in Financial Instruments Directive (Directive 2014/65/EU), and other categories specified by local laws.

Users from the United States

This website is intended solely for “qualified purchasers” (as defined in the United States Investment Company Act of 1940, as amended) and “accredited investors” (as defined in Rule 501(a) under the United States Securities Act of 1933) in the United States.

We invest clients’ funds through Luxembourg-based MiFID II-regulated entities in UCITS funds. These funds are considered highly secure due to their stringent regulatory framework, transparency, and robust investor protection standards.

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