THE RISK FACTOR LIMITED

Reference number: 306929

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Identity

Check their details

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

Also trades as 6 other names
  • PAL
  • PAL Protect
  • Personal Accident Life
  • PSPS Risk Consultancy
  • Risk Factor
  • TRF

Company details

From the company's Companies House record.

Company number
03030912
Company status
Active
Company type
Private limited company
Incorporated
8 March 1995 (31 years old)
Registered office
Elmwood House Ghyll Royd, Guiseley, Leeds, West Yorkshire, LS20 9LT, England
Nature of business
  • Non-life insurance (SIC 65120)
  • Other activities auxiliary to insurance and pension funding (SIC 66290)

Current directors and secretaries

Name Role Born Appointed
Angela Jayne Rhiannon Petty Director Oct 1975 1 Jul 2016
Kathren Wright Director Feb 1972 12 Jan 2026
Lee Tetley Director Jan 1976 20 May 2026
Charles Jake Christian Fox Director Sep 1977 12 Jun 2026

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.

Check your FSCS cover →

Show FCA detail (5 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Arranging (bringing about) deals in investments
  • Assisting in the administration and performance of a contract of insurance
  • Dealing in investments as agent
  • Making arrangements with a view to transactions in investments

Complaints: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

FCA actions and complaints

No FCA disciplinary action, and no complaints recorded with the Ombudsman.

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Common questions

Frequently asked questions

Is THE RISK FACTOR LIMITED FCA authorised?
Yes, THE RISK FACTOR LIMITED (FRN 306929) is authorised by the FCA to carry out regulated activities.
Is my money safe with THE RISK FACTOR?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about THE RISK FACTOR to the Financial Ombudsman Service, free of charge.
Is THE RISK FACTOR a scam or clone?
THE RISK FACTOR is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is THE RISK FACTOR's Firm Reference Number (FRN)?
THE RISK FACTOR's FRN is 306929. You can verify it on the FCA register.