Cowan Wealth Management Group

Experience Personalized Excellence in Wealth Solutions.

Legal & Regulatory Information

Please read the IMPORTANT INFORMATION below before proceeding, as it explains certain restrictions on the distribution of information available on this website (hereinafter the “Site”)

1. Cowan Wealth Management Group website

This website is operated by Cowan Wealth Management Group, a subsidiary of Cowans Financial Services, operating under its license, and may be consulted for information purposes in relation to certain Group entities.

2. Access

Access to this Site is not permitted to any person in any jurisdiction (by way of domicile, residence, nationality, or otherwise) where the publication or availability of the Site would result in a violation of any applicable law or regulation. In particular, this Site is not intended for residents of the United States. If you are from such a jurisdiction, you are not authorized to proceed and must exit this Site immediately. If you are not from such a jurisdiction, you may proceed to the Site after reading and agreeing to the following terms and conditions.

3. Local Restrictions

a. General
This Site does not constitute an offer or solicitation to sell stocks or units in mutual funds or other securities, or an offer to provide investment advisory services or other services referred to on this Site, to any person from a jurisdiction in which such an offer, solicitation, or distribution would be illegal, or in which the person making such offer or solicitation is not authorized to do so, or to any other person to whom it is illegal to make such offer or solicitation. Deposits may only be accepted by entities of Cowans Financial Services authorized to do so, and shall not be accepted from any investors in any jurisdiction in which such activity would violate local laws or regulations.

b. United States

Cowan Wealth Management Group shall not provide the products and services described on this Site to US Persons, as defined under the United States Securities Act of 1933, as amended (hereinafter the “Securities Act”). The units or stocks described on the Site shall not be registered under the Securities Act or any other applicable United States securities laws (including, without limitation, any applicable law of any of the states of the United States). Such units or stocks may not be directly or indirectly offered or sold in the United States or any of its territories and possessions or areas subject to its jurisdiction or to or for the benefit of a US Person. By proceeding, you warrant that you are not a US Person.

c. United Kingdom

To the extent that any services, information, or opinions available on the Site are aimed at residents of the United Kingdom, such services, information, and opinions have been approved by Cowans Financial Services. Financial Services Firm Reference Number 705323. Details about the extent of our authorisation and regulation by the Prudential Regulation Authority and regulation by the Financial Conduct Authority are available from us on request.

4. Copyright

All material on the Cowan Wealth Management Group website is protected by copyright, subject to any rights accruing to third parties. You may not reproduce (either in full or in part), transmit (electronically or by any other means), alter, create a link to, or use the website for public or commercial use of any kind without the written permission of Cowan Wealth Management Group.

5. No Reliance/No Representation or Warranty

The information made available on the Site has been prepared by Cowan Wealth Management Group, which has used all reasonable care to ensure that it is fair, accurate, and complete. Cowan Wealth Management Group makes no representation or warranty, either express or implied, as to the accuracy, completeness, or fitness for any purpose or use of such information whatsoever.

Cowan Wealth Management Group cannot guarantee that the information found on the Site has not been distorted as a result of technical malfunctions (disconnection, interference by third parties, viruses, etc.)

Nothing contained in the Site shall be construed as constituting specific investment, legal, tax, or other advice. The information or opinions contained therein have no relevance to the specific investment objectives, financial situation, or particular needs of any individual recipient of said information. You are advised to obtain specific, personal, and appropriate professional advice before making any investment decision. The information and opinions contained in the Site are provided for personal and informational purposes only and are subject to change without notice.

6. Material Interest

The information made available on the Site has been prepared by Cowan Wealth Management Group, which has used all reasonable care to ensure that it is fair, accurate, and complete. Cowan Wealth Management Group makes no representation or warranty, either express or implied, as to the accuracy, completeness, or fitness for any purpose or use of such information whatsoever.

7. Limitation Of Liability

To the extent permitted by law, Cowan Wealth Management Group shall not be liable, including in the case of negligence, for any loss or damage howsoever caused, including but not limited to any direct, indirect, or consequential loss or damage, arising out of or related to the access to, use of, browsing in, or downloading from the Site or any other site linked thereto.

With the exception of entities based in the US, the various entities of Cowans Financial Services have their own separate legal personality and provide their services in their own name and exclusively at their own risk.

8. Linked Websites

The Site may contain links to other websites controlled or offered by third parties. Cowan Wealth Management Group has not reviewed any of these linked websites, and makes no representation or warranty in respect of information or material available there. In linking a third-party website to the Site, Cowan Wealth Management Group neither assumes nor accepts any responsibility or liability whatsoever in respect of products or services offered on such website.

9. No Offer

Nothing contained on this Site constitutes an offer or part offer to provide wealth management or advisory services, either on a discretionary or non-discretionary basis, other than under the terms of an agreement that accords with applicable laws and regulations. No information contained on this Site shall be deemed to constitute an invitation to subscribe for or otherwise acquire securities, derivative products, or units in mutual funds.

10. Mutual Funds

The Site contains information on a large number of mutual funds registered and managed in different jurisdictions. You shall be required to inform us about your place of residence before you may access any specific information on such funds. Consequently, your access will be limited to the funds registered for sale in your country of residence.

11. Contacts by e-mail

This Site allows you to contact Cowan Wealth Management Group by e-mail or via telephone system. As such communications use the Internet, a public network over which Cowan Wealth Management Group has no control, they may be intercepted, altered, or lost. Cowan Wealth Management Group, a subsidiary of Cowans Financial Services, disclaims all liability in respect thereof.

12. Applicable Law

Use of the Site shall be subject to the law of the jurisdiction in which Cowans Financial Services operates, which shall exclusively govern the interpretation, application, and effect of all the conditions of use set out above. The courts in the jurisdiction of Cowans Financial Services shall have exclusive jurisdiction over all claims or disputes arising out of or in connection with the Site and its use.

Information for clients concerning the Financial Services Act (FinSA)

Cowan Wealth Management Group, hereinafter “the Company” or “Cowan”, holds paramount the responsibility of serving its clients in the most efficient way possible to safeguard their interests while adhering to regulatory advancements. On its website, Cowan provides you with information on the latest requirements arising from the financial regulations of the jurisdiction in which it operates, and the measures undertaken by Cowan to implement them as per the stipulated timelines.