Legal
The legal apparatus of a firm preparing for FCA authorisation.
This hub lists every legal document on znobia.com. Each is dated, version-controlled, and reviewed by counsel before publication. Compliance officers running due-diligence questionnaires on znobia should find here every document they would expect to find on a more mature broker site, drafted to the standard a more mature broker site would require.
Documents
Regulatory disclosure
Updated 23 May 2026Canonical AR-interim posture, FCA application status, Lloyd's coverholder application status. Updated quarterly.
Privacy policy
Updated 23 May 2026GDPR / UK GDPR notice. Data controller, lawful bases, retention, sub-processors, data-subject rights.
Terms of engagement
Updated 23 May 2026Standard terms on which znobia conducts professional engagements. Jurisdiction England & Wales.
Cookies
Updated 23 May 2026Cookie categories, consent integration, do-not-track posture.
Complaints
Updated 23 May 2026Process, timelines, FOS reference for eligible complainants, Large Commercial Customer carve-out per DISP.
Sanctions & AML notice
Updated 23 May 2026Sanctions regimes, AML posture, reporting framework.
Counsel statement
The legal documents above are drafted in consultation with FCA-qualified compliance counsel. Each document carries a version number and a last-updated date in its footer. Material changes are published with a changelog entry on this hub. We do not amend legal documents silently.
znobia acts as an insurance intermediary. We do not underwrite risk. Cover, where available, is placed with authorised carriers and is subject to underwriter approval, policy terms, exclusions and conditions. Nothing on this site is investment, tax, legal or financial advice.