Paradigm Consulting is a premier provider of financial consultancy support to directly authorised wealth managers, financial advisers and mortgage advisers in the UK. Our team of Consultants become an extension of your business, they are the extra pair of helping hands when you need it most and, whilst they love to develop long term relationships with you, they also understand that sometimes all you need assistance with a particular issue or the odd, ad hoc ‘quick fix. Paradigm Consulting’s flexible and adaptable way of working is designed to suit you, your needs and your budget.
We fully understand that dealing with regulation in today’s financial world can be difficult, daunting, not to mention distracting when you are trying to achieve your dream and ambition of running a commercially successful business.
Paradigm Consulting has unrivalled expertise in providing compliance services to a broad range of firms, and understand the difficulties that firms face in this busy regulatory environment and how these regulatory changes can impact upon your business. Sometimes you need an expert pair of hands to help build and maintain a solid regulatory foundation stone, the proven launchpad for any successful financial services business.
Our team of vastly experienced Financial Consultants are here to be that additional pair of hands. Here are some of the areas that we can support your business with:
We deliver bespoke, practical services and solutions working closely with firms to implement compliance processes, procedures and advise on changes that may be required. We can also assist firms in the delivery of their Training & Competence Scheme, undertaking KPI reviews, 1-2-1 meeting completion as well as the preparation of Training Needs Analysis and CPD records reviews. We also provide a library of supporting documentation and work with firms to develop documentation that will enable firms to meet their ever-increasing regulatory burdens.
It’s always best for to have an initial chat to fully understand how we can work with you, so please feel free to visit our website, email us at email@example.com or call us on 0161 486 4890.
Everyone at MyGabriel recognise the importance of your privacy. This policy briefly outlines the information MyGabriel collect, how we do our utmost to safeguard your information and how we use it.
MyGabriel collects personal information when You register on the Website and when You use the Service or contact the MyGabriel support team. All contact by telephone, email or by any other means is stored either by MyGabriel or by third party service providers for the sole purpose of providing certain services to MyGabriel in connection with its Websites. These third party service providers include software to analyse customer usage patterns, customer relationship management software, email marketing software and other communication tools.
Your information will only be used by MyGabriel in order to provide you with access to our products, services and information that we believe will interest you. We may contact You from time to time to provide you with such information, either using our own software or third party communication tools. Your information will continue to be held and used by MyGabriel to contact you in such a way after you cease using our Services but You may unsubscribe from such communications. Your personal details will never be passed on to any other companies or third parties including affiliates (other than the third party service providers described above) and will never be added to any third party mailing lists or databases unless you opt in to do so. By using the Service You consent to Your personal information being collected, held and used in this way.
HMRC passwords, ID numbers, or other special access features which you provide to us are stored locally and are deleted as soon as the tax return is submitted.
MyGabriel may also use information about our users in statistical aggregate form. This is non personal information and simply refers to information such as the number of registrations, traffic patterns and Website user trends.
Through Your use of the Service MyGabriel may also collect information about someone else from You. If You provide MyGabriel with personal information about someone else You must ensure that You are authorised to disclose that information to MyGabriel and without MyGabriel taking further steps required by applicable data protection or privacy laws. MyGabriel may collect, use and disclose such information for the purposes described this Policy.
This means that You must take reasonable steps to ensure the individual concerned is aware of and/or consents to the various matters detailed in this Policy, including the fact that their personal information is being collected, the purposes for which that information is being collected, the intended recipients of that information, the individual’s right to obtain access to that personal information, MyGabriel’ identity and how to contact MyGabriel.
Once signed up MyGabriel will keep Your personal information for the term of 7 years, which covers the HMRC’s requirement to keep financial records for the period of 6 years and 9 months. You can request MyGabriel to delete Your personal information or withdraw your consent by emailing firstname.lastname@example.org and asking that MyGabriel manually delete your personal information. We highly recommend that You take a copy of each year’s Tax Return before deleting or requesting deletion.
If You contact us including via email, webchat or by telephone, your details and a history of the communication (which will likely include personal data) will be stored/recorded by us in order for us to deal with enquiries adequately and improve our customer support services. By agreeing to these Terms, You consent to the storage/recording of Your communication in this way.
MyGabriel uses subprocessors and third party service providers to provide certain services in connection with its Websites. Any personally identifiable information provided by You may be disclosed by MyGabriel to such third party service provider for the sole purpose of the provision of those services to MyGabriel. By signing up to MyGabriel and when providing feedback You consent to the disclosure of any personally identifiable information to such third party service providers and subprocessors. The full list can be here. MyGabriel takes no responsibility for the privacy practices or content of these services. MyGabriel undertakes to use a commercially reasonable selection process by which it evaluates the security, privacy and confidentiality practices of proposed subprocessors and third party service providers.
MyGabriel contains hypertext links to other sites, advertisers and other third parties. By clicking on any of these links, you are leaving our Website. MyGabriel has no control over the information collected by any third party after you have left the Website. MyGabriel encourages you to read their privacy policies.
MyGabriel uses Amazon Web Services (AWS) to host its Services, the servers located in Dublin, Ireland. For more information on MyGabriel’ security arrangements please see our security policy.
By entering personal information into the Service, you consent to personal information being hosted on AWS’s servers. AWS’s role is limited to providing hosting to MyGabriel. MyGabriel retains control of Your personal information and AWS is not permitted to access or use Your personal information, except for the limited purpose of storing the information.
Please bear in mind that the internet as a whole is not secure and we cannot give total assurance that Your information will be secure at all times. Sending personal information over the Internet is at Your own risk and You should enter personal information from an environment/infrastructure You know is secure.
Personal information is information you provide to us which personally identifies you including your name, address and e-mail address, National Insurance Number, Unique Taxpayer Reference (UTR) etc.
Non personal information is collected and recorded about users when they use the Website. This information is collected into groups so that it no longer reflects or represents any individual user and is used purely for statistical purposes. This information may include financial information.
Each Internet connection is identified by a unique address which is referred to as an IP address (Internet Protocol address).
An IP address is made up of four numbers, separated by dots, for example: 18.104.22.168. Some ISPs publish the name of the company or individual who uses the connection which allows anyone to see who is using that IP. You can check if your IP address is listed using a who is service.
With the help of a court order and the relevant ISP it is possible to connect an IP with a user.
If you’ve consented to appear in any promotional material we reserve the right to use your organisation name and logo in any of our marketing material. Marketing on our websites includes testimonials, case studies and publishing your organisation’s logo and contact details.
Important notice: please read carefully before using the website.
1.1 In consideration of you agreeing to abide by the terms of this agreement, we hereby grant to you a non-exclusive, non-transferable licence to use the Website on the terms of this agreement.
1.2 Access to the Website is permitted on a temporary basis for your private purposes only and we reserve the right to withdraw or amend the service we provide on the Website without notice (see below). We will not be liable if for any reason the Website is unavailable at any time or for any period.
1.3 From time to time, we may restrict access to some parts of the Website, or our entire site, to users who have registered with us.
1.5 You are responsible for making all arrangements necessary for you to have access to the Website. You are also responsible for ensuring that all persons who access the Website through your internet connection are aware of these terms, and that they comply with them.
1.6 You must not misuse the Website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to the Website, the server on which the Website is stored or any server, computer or database connected to the Website. You must not attack the Website via a denial-of-service attack or a distributed denial-of service attack.
1.7 If you breach clause 1.6, you will be committing criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use the Website will cease immediately.
1.8 We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the Website or to your downloading of any material posted on it, or on any website linked to it.
2.1 You may link to the Website, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
2.2 Subject to clause 2.1, you must not establish a link from any website that is not owned by you.
2.3 The Website must not be framed on any other site, nor may you create a link to any part of the Website other than the home page. We reserve the right to withdraw linking permission without notice.
2.4 If you wish to make any use of material on the Website other than that set out above, please address your request to email@example.com
3.1 Where the Website contains links to other websites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.
4.1 We aim to update the Website regularly, and may change the content at any time. If the need arises, we may suspend access to the Website, or close it indefinitely. Any of the material on the Website may be out of date at any given time, and we are under no obligation to update such material.
5.1 Except as expressly set out in this agreement or as permitted by any local law, you undertake: (a) not to rent, lease, sub-license, loan, translate, merge, adapt, vary or modify the Website or your access to the Website; (b) not to make alterations to, or modifications of, the whole or any part of the Website nor permit the Website or any part of it to be combined with, or become incorporated in, any other programs or websites; (c) not to disassemble, de-compile, reverse engineer or create derivative works based on the whole or any part of the Website. (d) to include the copyright notice of MyGabriel on all entire and partial copies of the Website in any form; or (e) not to provide, or otherwise make available, the Website in any form, in whole or in part (including, but not limited to, program listings, object and source program listings, object code and source code) to any person without prior written consent from MyGabriel.
5.2 You agree that when using the Website you will comply with all applicable laws and this agreement. In particular, but without limitation, you agree not to: (a) use the Website in any unlawful manner or in a manner which promotes or encourages illegal activity including (without limitation) tax fraud; or (b) attempt to gain unauthorised access to the Website or any networks, servers or computer systems connected to the Website.
5.3 You agree to indemnify us in full and on demand from and against any loss, damage, costs or expenses which MyGabriel suffer or incur directly or indirectly as a result of your use of the Website otherwise than in accordance with this agreement or any applicable laws, including (without limitation) providing MyGabriel with false, inaccurate or misleading information.
5.4 You warrant to us that all the information you provide to MyGabriel is true and accurate to the best of your knowledge.
5.5 By accepting these Terms and Conditions, you agree to receive automated and regular email communications. These email communications will contain relevant information pertinent to software usage. You may opt-out of these email communications at any time by logging into your software account and selecting opt-out, or you can click the unsubscribe option at the footer of any email communications.
6.1 You acknowledge that we are the owner or the licensee of all intellectual property rights on the Website, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
6.2 The trade marks, service marks, and logos (“Trade Marks”) contained on or on the Website are owned by MyGabriel, our group companies or third party partners of MyGabriel. You cannot use, copy, edit, vary, reproduce, publish, display, distribute, store, transmit, commercially exploit or disseminate the Trade Marks without the prior written consent of MyGabriel, the relevant group company or the relevant third party partner of MyGabriel.
6.3 Our status (and that of any identified contributors) as the authors of material on the Website must always be acknowledged.
6.4 You must not use any part of the materials on the Website for commercial purposes without obtaining a licence to do so from us or our licensors.
7.1 You acknowledge that the Website has not been developed to meet your individual requirements and that it is therefore your responsibility to ensure that the facilities and functions of the Website meet your requirements.
7.3 Use of the Website is at your own risk. The Website is provided on an “as is” basis. MyGabriel does not warrant or guarantee that the Website and all or part of its contents will be always available or that its use will not be interrupted.
8.1 You acknowledge that Her Majesty’s Revenue and Customs (“HMRC”) may require certain information to be provided in a paper form. It is your responsibility to ensure you comply with this any all other HMRC requirements. MyGabriel accepts no liability for failure to comply with any HMRC requirements.
8.2 You must ensure all information sent to HMRC is proper and complete. If for any reason HMRC cannot view the contents of the attachments, or they are not proper and complete, the obligation to make a return may not be satisfied. MyGabriel accepts no liability if information is not proper and complete through the fault of you.
8.3 You acknowledge it is your responsibility to ensure that any tax return is submitted and received by HMRC, on or before the due date. While MyGabriel make all commercially reasonable efforts to ensure tax returns are submitted quickly, we accept no liability for tax returns which are not received by HMRC or are received after the due date.
8.4 You acknowledge it is your responsibility to ensure that payment is received by HMRC, and has cleared in to the HMRC account, on or before the due date. Failure to do so may result in interest and/or a surcharge to which MyGabriel shall not be liable.
8.6 You acknowledge that in order to submit tax returns to HMRC, verify your identity and authenticate the information provided to HMRC you must provide to us the relevant passwords, ID numbers, other special access features provided to you by HMRC, or other form of identity verification.
8.7 You acknowledge that by registering and using us, MyGabriel may act as an HMRC tax agent to submit your tax return to HMRC on your behalf.
9.1 You acknowledge that commentary and all other materials available on the Website are not intended to amount to tax, financial, legal or any other type of advice. MyGabriel disclaims all liability and responsibility whatsoever arising from any reliance placed on such materials by any visitor to the Website, or by anyone who may be informed of any of its contents. To avoid any doubt, MyGabriel is not qualified to provide tax, financial, legal or any other type of professional advice.
10.1 This clause sets out the entire financial liability of the parties (including any liability for the acts or omissions of their respective employees, agents and subcontractors) to each other in respect of: (a) any breach of this agreement however arising; (b) any use made of the Website by you, or of any product or service offered by MyGabriel on the Website; and (c) any representation, statement or tortious act or omission (including negligence) arising under or in connection with this agreement
10.2 Nothing in this agreement shall limit or exclude the liability of either party for: (a) death or personal injury resulting from negligence; or (b) fraud or fraudulent misrepresentation; or (c) breach of the terms implied by section 12 of the Sale of Goods Act 1979; or (d) breach of section 2 of the Consumer Protection Act 1987; or (e) the deliberate default or wilful misconduct of that party, its employees, agents or subcontractors.
10.3 Without prejudice to clause 10.2, and to the maximum extent permitted by law: (a) MyGabriel disclaims all liability whatsoever, whether arising in contract, tort (including negligence) or otherwise in relation to the use of the Website; and (b) all implied warranties, terms and conditions relating to the Website (whether implied by statue, common law or otherwise), including (without limitation) any warranty, term or condition as to accuracy, completeness, satisfactory quality, performance, fitness for purpose or any special purpose, availability, non infringement, information accuracy, interoperability, quiet enjoyment and title are, as between MyGabriel and you, hereby excluded. In particular, but without prejudice to the foregoing, we accept no responsibility for any technical failure of the internet and/or the Website; or any damage or injury to users or their equipment as a result of or relating to their use of the Website. Your statutory rights are not affected.
10.4 Subject to clause 10.2 and clause 10.3, MyGabriel’s maximum aggregate liability under or in connection with this agreement, or any collateral contract, whether in contract, tort (including negligence) or otherwise, shall in all circumstances be limited to a sum equal to £50.
10.5 This agreement sets out the full extent of MyGabriel’s obligations and liabilities in respect of the Website and the supply of the services through the Website. In particular, there are no conditions, warranties, representations or other terms, express or implied, that are binding on MyGabriel except as specifically stated in this agreement. Any condition, warranty, representation or other term concerning the Website which might otherwise be implied into, or incorporated in, this agreement, or any collateral contract, whether by statute, common law or otherwise, is hereby excluded to the fullest extent permitted by law.
10.6 MyGabriel makes every attempt to ensure the accuracy and reliability of the information contained on the Website but this information should not be relied upon as a substitute for formal advice from HMRC. The materials contained on the Website are provided for general information only and do not constitute any form of advice.
10.7 The material displayed on the Website is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby expressly exclude: (a) All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity. (b) Any liability caused to you as a result of a tax investigation by HMRC or any other legal or tax authority. (c) Any liability incurred by any user in connection with any missed deadline imposed by HMRC or any other legal or tax authority. (d) Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with the Website or in connection with the use, inability to use, or results of the use of the Website, any websites linked to it and any materials posted on it, including: (i) loss of income or revenue; (ii) loss of business; (iii) loss of profits or contracts; (iv) loss of anticipated savings; (v) loss of data; (vi) loss of goodwill; (vii) wasted management or office time; and (viii) whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.
10.8 This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.
12.1 The Website may contain links to websites operated by third parties (“Third Party Websites”). We may monetise some of these links through the use of third party affiliate programmes. Notwithstanding such affiliate programmes, we do not have any influence or control over any such Third Party Websites and, unless otherwise stated, we are not responsible for and do not endorse any Third Party Websites or their availability or contents.
12.2 We accept no responsibility for adverts contained on the Website. If you agree to purchase goods and/or services from any third party who advertises on the Website, you do so at your own risk. The advertiser, not MyGabriel, is responsible for such goods and/or services and if you have any queries or complaints in relation to them, your only recourse is against the advertiser.
13.1 MyGabriel will not be liable or responsible for any failure to perform, or delay in performance of, any of his obligations under this agreement or in your use of the Website that is caused by an event outside our reasonable control.
13.2 You acknowledge that MyGabriel has no control over tax or legal investigations by HMRC or any other legal or tax authority.
14.1 The Subscription Agreement shall continue for an initial contract period of twelve (12) Months and shall continue thereafter on a rolling twelve monthly contract basis, unless and until terminated by either party by providing the other with ninety (90) days written notice in advance of the annual renewal date.
14.2 Upon termination for any reason: (a) all rights granted to you under this agreement shall cease; (b) you must cease all activities authorised by this agreement; and (c) you must immediately delete your account and cease using the Website and certify to us that you have done so.
15.1 This agreement is binding on you and us and on our respective successors and assignees.
15.2 You may not transfer, assign, charge or otherwise dispose of this agreement, or any of your rights or obligations arising under it, without our prior written consent.
15.3 MyGabriel may transfer, assign, charge, sub-contract or otherwise dispose of this agreement, or any of our rights or obligations arising under it, at any time during the term of the agreement.
All notices given by you must be given to MyGabriel at firstname.lastname@example.org. MyGabriel may give notice to you at either the e-mail or postal address you provided when registering for the Website. Notice will be deemed received and properly served 24 hours after an e-mail is sent, or three days after the date of posting of any letter. In proving the service of any notice, it will be sufficient to prove, in the case of a letter, that such letter was properly addressed, stamped and placed in the post and, in the case of an e-mail, that such e-mail was sent to the specified e-mail address of the addressee.
17.1 If MyGabriel fails, at any time during the term of this agreement, to insist on strict performance of any of your obligations under this agreement, or if MyGabriel fails to exercise any of the rights or remedies to which we are entitled under this agreement, this shall not constitute a waiver of such rights or remedies and shall not relieve you from compliance with such obligations.
17.2 A waiver by MyGabriel of any default shall not constitute a waiver of any subsequent default.
17.3 No waiver by MyGabriel of any of these terms and conditions shall be effective unless it is expressly stated to be a waiver and is communicated to you in writing.
If any of the terms of this agreement are determined by any competent authority to be invalid, unlawful or unenforceable to any extent, such term, condition or provision will to that extent be severed from the remaining terms, conditions and provisions which will continue to be valid to the fullest extent permitted by law.
20.1 This agreement and any document expressly referred to in it constitute the entire agreement between us and supersedes any previous arrangement, understanding or agreement between us, relating to the Website.
20.2 We each acknowledge that, in entering into this agreement (and the documents referred to in it), neither of us relies on any statement, representation, assurance or warranty (“Representation”) of any person (whether a party to this Licence or not) other than as expressly set out in this document or the documents referred to in it.
20.3 Each of us agrees that the only rights and remedies available to us arising out of or in connection with a Representation shall be for breach of contract as provided in this agreement.
20.4 Nothing in this clause shall limit or exclude any liability for fraud.
This agreement, its subject matter or its formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with English law and submitted to the exclusive jurisdiction of the English courts.
22.1 If you have any concerns about material which appears on the Website, please contact email@example.com.
Cookies are small text files which a website may put on your computer or mobile device when you first visit a site or page. The cookie will help the website, or another website, to recognise your device the next time you visit. We use the term “cookies” in this policy to refer to all files that collect information in this way.
There are many functions cookies serve. For example, they can help us to remember your username and preferences, analyse how well the Website is performing, or even allow us to recommend content we believe will be most relevant to you.
Certain cookies contain personal information – for example, if you click to “remember me” when logging in, a cookie will store your username. Most cookies will not collect information that identifies you, but will instead collect more general information such as how users arrive at and use the Website.
Generally, our cookies perform up to three different functions:
1. Essential cookies
Some cookies are essential for the operation of the Website. If you opt to disable these cookies, you will not be able to access or use all of the features that the Website incorporates.
2. Performance Cookies
We utilise other cookies to analyse how our visitors use the Website and to monitor performance. This allows us to provide a high quality experience by customising our offering and quickly identifying and fixing any issues that arise. For example, we might use performance cookies to keep track of which pages are most popular, which method of linking between pages is most effective, and to determine why some pages are receiving error messages.
3. Functionality Cookies
We use functionality cookies to allow us to remember your preferences. For example, cookies save you the trouble of typing in your username every time you use the Website, and recall your customisation preferences.
No. We do not allow advertisers to use their own cookies on the Website.
We do use or allow third parties to serve cookies that fall into the three categories above. For example, like many companies, we use Google Analytics and KissMetrics to help us monitor our website traffic. We may also use third party cookies to help us with market research, revenue tracking, improving site functionality and monitoring compliance with our terms and conditions and copyright policy.
As we have explained above, cookies help you to get the most out of the Website.
However, if you do wish to disable cookies then you can do so by amending the settings within your browser or mobile device.
Please remember that if you do choose to disable cookies, you may find that certain sections of the Website do not work properly.