Investor Protection

We believe that our most important responsibility to all our clients is to ensure the safety and security of the assets entrusted to us - both shares and cash.

With this in mind, we have put in place a policy with a major insurance company, which provides substantial protection in addition to that offered by the Financial Services Compensation Scheme (FSCS).

In general terms, as a client you will enjoy the following types of protection of your assets:-

Regulatory Protection

Regulatory Protection - Under the Financial Services Compensation Scheme (FSCS), in the unlikely event that any of the banks that we use is declared in default, each individual client is entitled to up to a total of £85,000 (or £150,000 for joint accounts) in compensation for losses across all their deposits per institution.

The FSCS also provides clients of Jarvis (and other organisations regulated by the FCA), compensation of up to £50,000 per investor per firm for investments. The amounts covered under this scheme are revised from time to time. Further information can be found on the FSCS website at

Additional Protection

In addition to the regulatory protection, under the FSCS, our professional indemnity policy provides protection against loss arising in the event of negligence, fraud or misappropriation. The Financial Conduct Authority (FCA) dictates the terms and conditions of the policy and the level of protection to Jarvis.

This protection would only come into play if a financial loss was incurred.

In the unlikely event that Jarvis ceased trading for any reason, creditors would not have any claim on client assets, either cash or stocks.

X-O is a trading name of Jarvis Investment Management Ltd which is authorised and regulated by the Financial Conduct Authority, a member of the London Stock Exchange and an HMRC authorised ISA manager. Registered office: 78 Mount Ephraim, Tunbridge Wells, Kent, TN4 8BS. Registered in England no. 1844601. VAT registration no. 680 0400 74.