Terms for advisers

What InvestmentsBooked is

InvestmentsBooked is a trading name of Meeting Booked Limited (company number 17077760, registered in England and Wales, registered office 8 College Street, Gloucester GL1 2NE). These terms govern use of InvestmentsBooked by adviser firms. References to "we" and "us" mean Meeting Booked Limited.

InvestmentsBooked is an introduction and appointment-booking service. We run adverts aimed at people planning their retirement, check their answers against simple criteria, and book those who want regulated advice into a call with one independent financial adviser firm. We are not authorised by the FCA and we do not give financial advice. All advice is given by the adviser firm under its own FCA authorisation, and the firm is responsible for suitability, its own fact-find and its Consumer Duty obligations.

For people booking a call

• Our booking service costs you nothing. Adviser firms pay us a fixed fee for each appointment that takes place. We receive nothing from pension or investment providers.
• Financial advice itself is paid for. The adviser firm will explain its fees before any work starts, and you are free to say no.
• You ask us to book you with one FCA-authorised independent firm. We share your answers with that one firm only, and we tell you the firm's name and FRN as soon as it claims the booking, before the call.
• We don't phone you about pensions. We send booking confirmations and reminders by email, SMS or WhatsApp.

Which firms can use it

• Firms authorised by the FCA to advise on pensions and investments, or appointed representatives whose principal allows them to receive introductions.
• Firms that give independent advice. We check the FCA register when you apply and on an ongoing basis, and we can pause your account if your status or permissions change.
• Defined benefit transfer seekers are excluded by default. A separate DB transfer stream is available only to firms whose pension transfer permission we have verified, by arrangement.

Price and credits

• Each appointment costs one credit, and a credit is £500 per qualified show. No VAT added.
• The minimum purchase is 10 credits (£5,000). That is a minimum purchase, not a minimum term: there is no subscription, retainer, set-up fee or contract period.
• Credits are valid for 6 months from the date you buy them.
• Credits that come back to your balance (a no-show, a cancellation that isn't rebooked, a disqualification or any other credit) come back with a fresh 6-month expiry.
• We supply appointments that match your filters well within the 6 months. If we ever can't before your credits expire, we refund the unused credits.
• No payment when you apply. You buy your first 10 credits (£5,000) once your account is approved and set up, and appointments matching your filters are available.
• Top up whenever you want. There's no automatic renewal, subscription or contract period.
• Set a weekly capacity, and pause whenever your diary is full, so you're not sent more than you can take.
• Appointments cover savers who declare £250k–£3m in defined contribution pensions. We don't book anyone who declares more than £3m.

What counts as a qualified show

You pay one credit when all of these are true:

1. They turned up. They joined the video call, answered the phone or arrived for the meeting within 15 minutes of the booked (or rebooked) start.
2. You talked about their retirement for at least 10 minutes. A genuine conversation about their pensions and plans, not a two-minute "I'm not interested".
3. It was the person who booked. Their partner joining as well is welcome. A partner on their own is rebooked, not charged.
4. They confirm defined contribution pensions at or above the minimum band you selected. That's £250,000 or more, or £500k+ or £1m+ if you set a higher minimum. Their band is self-declared, so you reconfirm it on the call. A lower band than they picked still counts if it's at or above your minimum. Below your minimum is credited, even if they hold £250k or more.
5. They live in the UK.
6. They're not already your client or a live prospect. You'd need a record in your CRM dated before the booking.
7. They want regulated advice and accept that advice is paid for. They can still question your level of fee. What fails the test is someone who wants free guidance only, or won't pay any fee for advice.
8. They can be advised. They're 18 or over, and they aren't only after something you've switched off (a DB transfer, for example). Whether you can take them on is your judgement as the authorised firm; we don't pre-judge it and our qualifier doesn't assess it. If you decide on the call that you can't advise them (for example, you have concerns about their capacity to make the decision), flag it within 72 hours with the reason and what you observed, and we review it like any other disqualification.

When the credit comes back

These are credited back to your balance (credits, not cash):

• No-show. They don't join, or join more than 15 minutes late.
• Cancellation not rebooked. They cancel, even at the last minute, and don't rebook with you within 7 days.
• Below your selected band. You set a minimum of £500k or £1m, and they confirm pensions below it, even if they hold £250k or more.
• Invalid contact details. The mobile or email doesn't work.
• Technical failure. The call can't happen because the line or video fails. We rebook, and nothing is charged until the call takes place.
• Partner turns up alone. We rebook with the person who booked.
• You missed the call. We rebook, and you're charged only if the rebooked call shows.
• Disqualified. They fail the show test: pensions under £250k (or under the minimum you selected), not UK resident, already your client, free guidance only, won't pay any fee, or you can't advise them. Flag it within 72 hours with a reason.

These still count as a show:

• They don't become a client. You pay for a qualified conversation, not a sale.
• They want time to think.
• They object to your level of fee. As long as they accept that advice is paid for.
• They already have an adviser but took the call for a second opinion.
• Their pensions sit at the low end of the band, or in a lower band than they chose, but still at or above the minimum you selected.
• They want their partner at a second meeting.

Disputes

1. Flag it within 72 hours of the booked start, with a reason and a line of detail.
2. We check it against the booking record, the prospect's answers and a short feedback email we send them. We don't phone them. Send anything that supports your case: your call notes, your CRM record, or a recording if you made one with the prospect's agreement.
3. You get a decision within 2 business days. If it's a disqualification, the credit goes back to your balance with a fresh 6-month expiry.
4. Not happy with the decision? Ask us to review it again, and tell us what we missed.

We review accounts whose no-show and disqualification rate is well above the average and may close accounts that mark outcomes dishonestly.

Data and conduct

• When you claim an appointment you become an independent controller of the client's data and must handle it under UK data protection law.
• Contact the client only about the appointment they booked. Don't resell, share or add them to marketing lists without their own consent to you.
• No contingent charging on DB transfer advice, and no pressure selling.
• Mark every outcome honestly and promptly.

Liability

We provide the service with reasonable skill and care. We don't guarantee that any prospect will become your client, or a set number of appointments in any given week. We supply appointments that match your filters well within the 6 months. If we ever can't before your credits expire, we refund the unused credits. We're not responsible for the advice you give or its consequences. Nothing in these terms limits liability that can't be limited by law.

General

We may update these terms and will tell active advisers before material changes take effect. These terms are governed by the law of England and Wales.

Contact

Questions about these terms: email hello@investmentsbooked.com, WhatsApp us on 07783 530523, or send us a message through our contact form.