Disclosures & Fiduciary Oath

1. Introduction Blue Bay Consolidated ("Company", "we", "our", "us") is dedicated to maintaining the highest ethical and professional standards in fiduciary services. Our commitment to transparency, integrity, and diligence ensures that we act in the best interests of our clients at all times. As a fiduciary entity, we adhere to stringent regulations set forth by the European Union (EU) to protect our clients and uphold our responsibility as financial advisors, auditors, and brokers.

2. Fiduciary Oath As fiduciaries, we solemnly affirm our commitment to the following principles:

  • Client First Approach: We will always prioritize the financial well-being of our clients over any personal or institutional interests.

  • Full Disclosure: We will provide clear, concise, and accurate information regarding all transactions, services, and financial recommendations.

  • Best Execution Practices: We will execute all financial transactions with due diligence, ensuring optimal outcomes for our clients.

  • Transparent Fees: We will disclose all fees, charges, and compensation structures to ensure our clients have complete understanding of financial costs.

  • No Conflicted Compensation: We will not accept commissions, referral fees, or incentives that could compromise our duty to act in the best interests of our clients.

  • Ongoing Fiduciary Duty: Our obligations to our clients extend beyond a single transaction; we maintain an ongoing duty of care, prudence, and loyalty.

3. Disclosures In accordance with EU regulations, including the Markets in Financial Instruments Directive II (MiFID II), the General Data Protection Regulation (GDPR), and the Anti-Money Laundering Directive (AMLD), we provide the following disclosures:

A. Conflicts of Interest

We are committed to identifying, mitigating, and disclosing any potential conflicts of interest. Should a conflict arise, we will take steps to ensure fair and unbiased treatment of all clients. Our internal compliance framework ensures that no employee, officer, or affiliate acts in a manner that may compromise the interests of our clients.

B. Compensation & Fee Structure

Blue Bay Consolidated operates on a transparent fee-based model, ensuring that our clients receive unbiased financial guidance. Our compensation structure includes:

  • Flat Fees: For advisory services, audits, and consultations.

  • Asset-Based Fees: A percentage of assets under management (AUM) for long-term financial planning.

  • Project-Based Fees: For specific financial investigations, due diligence, and regulatory compliance services.

  • Performance-Based Fees: Where applicable, we may earn compensation based on investment performance, subject to client agreement and regulatory compliance.

C. Third-Party Relationships & Inducements

We may collaborate with third-party financial institutions, legal entities, and international auditors to provide comprehensive services. Any such relationships will be disclosed in advance, and we will ensure that they align with our fiduciary obligations.

D. Client Confidentiality & Data Protection

We strictly adhere to the GDPR, ensuring that all client data is collected, stored, and processed securely. Clients have the right to:

  • Access and review their personal data.

  • Request corrections or deletions of inaccurate or outdated information.

  • Withdraw consent for data processing.

  • Be informed of any data breaches affecting their personal information.

Our privacy and data protection measures include advanced encryption technologies, multi-factor authentication, and compliance with ISO 27001 information security standards.

E. Risk Disclosures & Investment Caution

Financial markets are subject to volatility, and all investments carry inherent risks, including:

  • Market risk

  • Credit risk

  • Liquidity risk

  • Interest rate fluctuations

  • Regulatory changes

We provide full risk assessments and recommend investment strategies based on thorough due diligence. Clients are encouraged to consider their financial objectives and risk tolerance before making investment decisions.

4. Regulatory Compliance & Governance Blue Bay Consolidated is registered under Company Number 05629943 and operates in full compliance with EU financial regulations. Our governance policies include:

  • Regular audits and financial reporting.

  • Strict adherence to AMLD regulations to prevent money laundering and financial fraud.

  • Compliance with the Financial Conduct Authority (FCA) and other relevant financial oversight bodies.

  • Employee training programs to ensure regulatory compliance and ethical conduct.

5. Professional Indemnity & Liability We maintain professional indemnity insurance to protect our clients against errors, omissions, and financial mismanagement. Our liability coverage extends to:

  • Financial advisory errors

  • Breach of fiduciary duty

  • Regulatory compliance failures

Clients are encouraged to review our insurance policies for further details on coverage and limitations.

6. Client Rights & Dispute Resolution Clients have the right to:

  • Receive clear, comprehensive financial advice.

  • Be informed of any changes in regulatory policies affecting their accounts.

  • Request independent reviews of financial transactions.

  • Lodge complaints with relevant regulatory bodies if they believe their rights have been violated.

We have established a dispute resolution process that includes:

  • Internal review and mediation.

  • Third-party arbitration.

  • Legal recourse in EU courts where applicable.

7. Amendments & Updates This Disclosures & Fiduciary Oath policy may be updated periodically to reflect changes in regulations or business practices. Clients will be notified of any significant modifications and are encouraged to review this document regularly.

For inquiries regarding our fiduciary responsibilities, disclosures, or regulatory compliance, please contact us:

Blue Bay Consolidated
Unit 51, Portmanmoor Road Industrial Estates, Ocean Park, Cardiff, C124511B, United Kingdom
Tel/WhatsApp: +44 745 211 6793
Email: fiduciaryservices@bluebayconsultltd.com