Legal and regulatory information

Quantum Life is a trading style of Wilcocks & Associates Ltd, a company registered in England and Wales (No. 06805421). Authorised and regulated by the Financial Conduct Authority (FCA Reference No. 501064).

Registered office details appear in the legal footer below.

You can check our details on the Financial Services Register.

The information on this website is subject to the UK regulatory regime and is primarily targeted at consumers based in the UK. We can provide regulated financial advice to non-UK residents while they are physically present in the UK.

For international clients unable to meet in the UK for regulated advice, we provide strategic guidance and coordination services only. These do not constitute regulated financial advice under FCA rules. Such services may be delivered by Quantum Life FZE, registered in the Dubai World Trade Centre Free Zone under Professional Consulting Licence Trade No. L-3197.

The value of investments can go down as well as up. You may get back less than you invested. Past performance is not a reliable indicator of future results. Capital at risk.

All telephone calls are recorded in compliance with MiFID II and FCA regulations.

No financial advice

The content on this website is for general information and educational purposes only. It does not constitute personal financial, investment, legal, or tax advice. You should seek independent professional advice before making any financial decisions.

Limitation of liability

While we endeavour to ensure the information on this website is accurate and up to date, we make no warranties or representations regarding its completeness. We accept no liability for any loss or damage arising directly or indirectly from your use of, or reliance on, this website.

VAT status

Wilcocks & Associates Ltd provides financial intermediation services which are exempt from VAT under UK tax regulations. Consequently, the firm does not hold or display a VAT registration number.

Intellectual property

All intellectual property rights in the website design, text, graphics, calculators, and guides belong exclusively to Quantum Life / Wilcocks & Associates Ltd. You may view and download content for personal use only; commercial reproduction or automated data scraping is strictly prohibited.

Governing law

These website terms and your use of this website are governed by and construed in accordance with the laws of England and Wales. Any disputes arising in connection with this website will be subject to the exclusive jurisdiction of the English courts.

UAE regulatory disclaimer

Quantum Life FZE provides professional consulting and strategic guidance only. It is not licensed by or registered with the Dubai Financial Services Authority (DFSA) and does not provide regulated financial services or retail asset management within the UAE mainland or the Dubai International Financial Centre (DIFC).