General Questions

Do I need to seek financial advice?

Yes. All applications must come through a financial advisory firm, and we will only accept applications where a financial adviser has given you financial advice or assessed the appropriateness of this product.

Can I transfer funds from a business account?

No, all payments must be made from personal accounts, or from a designated client money account. Any funds received from a business account will be immediately returned.

How regularly will valuations be made available?

Valuations are available on our website and are updated on a daily basis. Please see the quick links on the right of this page.

Who do I speak to about my investment?

If you have any questions about your investment please speak to your financial adviser.

Structured Products Questions

Where will my money be held prior to the product strike date?

Your money will be held in a client money bank account with our custodian. Following the Start Date, it will be used to purchase the underlying investment from the Counterparty bank.

If I change my mind can I cancel my investment?

Following acceptance of your application you will be sent a right to cancel notification. From the time you receive this notification, you have 14 days to change your mind and cancel the application. If we receive your cancellation notice after the Start Date, it is likely that you will lose some of the money you invested. Please refer to the plan brochure for more information.

Will you update me about my investment?

Statements detailing your investment holding and any payments from it such as income will be sent to you along with an up to date valuation of it every six months. This information will also be provided on request. You can also see your investment online using a log-in which you will be issued by e-mail after your account is opened. If you have not received this or cannot remember what it was, please call our custodian on 01253 754700.

What will happen when the product matures?

Following the maturity date you will be notified of the event and provided with a Maturity Option form so you can choose whether you wish to reinvest or have the proceeds sent to you.

How do I get a price for Mariana products?

We publish prices on our website on a daily basis, please see the valuation quick link on the right of this page.

Who should I contact if I have a Gilliat product?

For any queries regarding the Gilliat products, please contact Andrew James on 020 7065 6657 or e-mail [email protected] If you require a valuation for a Gilliat product please contact their administrators on 0845 848 0307 or follow this link.



The following pages refer to Mariana investment products. It is important that you read and understand the risk statements below before you proceed.

Mariana’s investment products may provide both individual and institutional investors with flexible and innovative investment solutions offering varying levels of risk, asset exposure, capital protection and tax exposure.

It is important, however, that you understand the risks attached to your investments. The key risk factors are summarised below, but please remember that these are general risks and the risks that are relevant to individual products are set out in the brochure for that product.

Mariana does not provide investment advice in relation to investment products and we strongly recommend that you discuss any proposed investment with your financial adviser before you invest.

Investment in a Mariana product should form part only of your investment portfolio. You should also maintain savings you can access at short notice in case of emergency to meet any short term cash needs that may arise during the term of your investment.

Investment Risk – This is the risk arising from the market(s) or asset(s) into which your investment is made or to which the performance of your investment is linked. Their value might decrease, which could cause you to lose money or, if they increase, the amount of the increase may be greater than the return you get from your investment in a Mariana product.

Counterparty Risk – This is the risk that the financial institution by whom your investment is backed gets into financial difficulties and does not, or cannot, pay the amounts due in relation to your investment. This could cause you to lose some or all of your money and any investment returns that would have otherwise been payable.

Term Risk – This is the risk that an investor’s circumstances could change, forcing the early encashment of an investment. Such early encashment will be subject to a fee and the amount repaid is likely to be less than the initial capital invested. An investor should be aware that they may not be able to access the value of their investment immediately.

Inflation Risk – This is the risk that inflation may reduce the real value of your investment over time.

Tax Risk – The values of any tax reliefs generated by your investment will depend on your individual circumstances. You should note that the levels and bases of taxation and reliefs available may change in the future and changes may be applied retrospectively.

ISA Transfer Risk – if you wish to transfer an existing ISA, it must be done in cash. This means that your existing ISA manager will sell your investment and you are likely to be charged an exit fee. There is then the possibility of a loss of income or growth if markets should rise while your transfer is being processed.

Cancellation Risk – This is the risk that if you decide to cancel the investment after it has been purchased you are likely to lose some of your money.

It is important that you read all the related Mariana product literature carefully and in full so that you understand how the product works and can decide whether or not you are prepared to accept the risks and the possible consequences of investing in a particular product, before proceeding with your investment.

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