Safety of Funds

All client money is held in segregated client bank accounts.
All money held on behalf of clients is kept in top-tier banks.

Segregated Funds
Client money is held entirely separate from Pepperdyne’s own money, ensuring that in the unlikely event of default by Pepperdyne, client funds will be returned to the clients rather than being treated as a recoverable asset by general creditors of Pepperdyne.

The money is ‘ring-fenced’ in separate bank accounts which are held in trust with the clients as the beneficiaries, and is not held with Pepperdyne’s own funds.

Are my funds held on a segregated basis?
When a client opens an account with Pepperdyne, they will be categorized as either: a retail client, a professional client or an eligible counter party – and Pepperdyne will inform them of this categorization. All client funds will be segregated in separate accounts with our bankers.

How are my funds protected?
Funds transferred from an individual client to Pepperdyne will be received directly into a segregated client bank account. Pepperdyne does not pass client money to any part of the business as working capital. Pepperdyne has no exposure to corporate or sovereign debt.

What happens if Pepperdyne goes into liquidation?
In the unlikely event Pepperdyne goes into liquidation, clients whose funds are held in segregated accounts will have their share of the segregated money pool returned, minus the administrators’ costs in handling and distributing these funds.