Funds Protection

When you deposit money into a Pacific Union account as a retail client, it is protected in several ways.

Protection of Retail Client Funds

Your money is held in a regulated segregated client account

Your money is never merged with Pacific Union's own money

Your money is ring-fenced from creditors in the unlikely event that Pacific Union goes into liquidation

Pacific Union does not use your money for business activities, including for hedging trades with other counterparties

What does Pacific Union do with my money?

Unlike banks, investment firms like Pacific Union are required to separate client money and assets from their own resources. This means that we are not allowed to use them in our business activities. That client money and assets are completely ring-fenced and protected in the unlikely event that Pacific Union becomes insolvent.

Pacific Union is authorised and regulated by the Financial Services Authority in Seychelles. There are strict regulatory requirements that govern exactly what we can do and how we must do it.

What happens to the money I deposit with Pacific Union?

Your money is held in segregated client accounts under trustee arrangements. This ensures that the money remains yours, rather than Pacific Union's. It also means that it's easily identifiable as client money, so Pacific Union and its creditors don't have any charge, liens, or rights of set-off or retention over it.

We have segregated bank accounts at the AA level bank-Commonwealth Bank of Australia or Westpac Banking Corporation. We intentionally ensure that client money is split between different banks.

What happens to my money if Pacific Union goes into liquidation?

As all deposits lodged with us are held on trust for you in a regulated segregated account, in such circumstances, those deposits would attract all the legal protections afforded to trust money.

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