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PANACEA investments
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We have been delighted to work with you over the years and hope to continue to
do so for many more…

However, following a recent change from the FCA, going forwards we will no
longer offer new investments through our IFISA Bond.

We want to assure you that all current investments made to date remain valid and
the same terms and conditions apply.

Though we will no longer offer FCA regulated investments, the web platform will
remain in place to allow you to access your account, monitor the progress of
investments and receive updates as before.

Any proposed returns for investments and any return of capital will continue to
be made in the usual fashion via the platform.

As a result of this change we will no longer be an Appointed Representative of
ShareIn Ltd, who is authorised and regulated by the Financial Conduct Authority
(603332).

Please view the FAQS below if you have any initial questions.

If you have any further questions or concerns investors should get in touch
through your usual contact or by emailing info@panaceainvestments.co.uk

Alternatively you can contact us via the messaging system on the platform.

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I have investments on the platform, can I get my money back?

All current investments made via the Panacea Investments platform remain valid
and will continue under the terms set out when you invested.

I have recently just invested via the platform what happens next?

If you have recently invested via the platform and the investment was completed,
this investment will continue under the terms set out when you invested.

How will you update me on my investments?

The platform will remain accessible to you, you will continue to be able to Log
In to your account and view your investments. Panacea Investments will continue
to provide updates in the usual way and via the platform, and you’ll receive an
email to alert you that an update has been posted. Your investments will
continue under the terms set out when you invested.

I’ve got money in my general wallet on the platform, what do I do?

You are able to withdraw all money from your general Panacea Investments wallet.

 * Log in to your account
 * Visit your portfolio
 * If you already have a bank account attached to your account simply withdraw
   funds
 * If you do not have a bank account attached, please add this using the link on
   the left-hand side of your portfolio. Please note the bank account must be in
   your name. Then you can withdraw your money.

I have money in my IFISA wallet, what do I do?

You have a couple of options available to you if you have funds in your IFISA
wallet.

 * Withdraw the funds to your bank account. If you opened your ISA account this
   year the cash can be withdrawn and used instead in another ISA wrapper and
   your allowance is not impacted. If the cash relates to prior year ISA then to
   maintain the tax wrapper the funds should be transferred to another ISA
   Manager.
 * Transfer funds to a new ISA provider.

What if I want to transfer money to a new ISA provider on completion of my
contract term?

 * You should identify a new ISA provider and make an ISA transfer in request
   with them. This can be any sort of ISA, it doesn’t need to be an IFISA.
 * The new ISA manager will send required paperwork to isatransfers@sharein.com
 * Once the paperwork is processed you will receive a message to approve the
   transfer out via the platform.
 * Following your approval ShareIn will process the request and transfer funds
   to your new ISA Manager.

Is there any change to my ISA investments?

All current investments made within an IFISA will continue under the terms set
out when you invested. Your ISA will remain within the tax wrapper unless you
choose to withdraw your money directly into your bank account.

I have an ISA transfer in progress, what should I do?

We are not taking any new subscriptions or accepting any ISA transfers. We would
advise you contact your existing ISA manager to cancel any ISA transfer request.
If the transfer has already been processed by your existing ISA manager, we will
not process the payment and funds will be returned to sender.

Can I still invest with Panacea Investments?

Panacea Investments will no longer be undertaking any FCA regulated investment
activity on this platform.

How do I communicate with you?

Investors should get in touch through your usual contact or by emailing
info@panaceainvestments.co.uk

Alternatively you can contact us via the messaging system on the platform in
your account area.

How do I make a complaint?

We want to ensure you are not negatively impacted by this change but sometimes
things go wrong. We would hope to resolve most issues straight away so please
email us on info@panaceainvestments.co.uk and support@sharein.com to tell us how
we can help.

What you'll need to tell us so that we can help you:

 * Your personal details
 * What's gone wrong and
 * What you want us to do to put things right

We'll be in touch with you as soon as we can and let you know what will happen
next. We'll try to resolve your complaint within 7 working days. For more
complex issues it's likely that we will need longer to look into what's happened
and we may ask you for further information to help us reach a decision. We'll
give you regular updates.

If you're unhappy with the outcome UK Residents can ask the Financial Ombudsman
Service (FOS) to carry out an independent review of your complaint. In any
event, you have the right to ask the FOS to review your complaint if we've been
unable to resolve it within 8 weeks.

The FOS can help UK residents with most complaints if you are:

 * A consumer
 * A business employing fewer than 10 persons that has an annual turnover that
   doesn't exceed €2 million

If you are unsure whether the FOS will consider your complaint, please contact
them directly for advice. The service the FOS provides is free and impartial and
contacting them at any stage of your complaint will not affect your legal
rights. The contact details for the FOS are:

> The Financial Ombudsman Service
> South Quay Plaza
> 183 Marsh Wall
> London
> E14 9SR

Their phone numbers are +44 (0)300 123 9123 or +44 (0)800 023 4567.

You can send an email to: complaint.info@financial-ombudsman.org.uk

What do I do if my personal details change?

You are able to update your personal details (address, password, marketing
preferences) via the platform in your account. You can add or update your bank
account details via your portfolio.

If you require any further updates, please contact us via the platform messaging
service.

 * Investor T&Cs
 * Privacy Policy
 * Website T&Cs
 * IFISA Agreement

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