Vivo Lifestyle Services Limited

Reference number: 977441

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Appointed representative

This firm does not hold FCA authorisation of its own. It acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

Addept Insurance Services Ltd Reference number: 586471 Authorised View firm →
What does this mean?
  • An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
  • Vivo Lifestyle Services Limited (FRN 977441) is an AR of Addept Insurance Services Ltd (FRN 586471). When you use Vivo Lifestyle Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Vivo Lifestyle Services, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
  • Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

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 4 other names
  • ACTIVCYBER
  • CYBER MADE EASY
  • CYBERSOS
  • VIVO

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Protection through the principal firm
    Protection works through Addept Insurance Services Ltd, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

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 Vivo Lifestyle Services Limited FCA authorised?
Vivo Lifestyle Services Limited (FRN 977441) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Vivo Lifestyle Services?
An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. Vivo Lifestyle Services Limited (FRN 977441) is an AR of Addept Insurance Services Ltd (FRN 586471). When you use Vivo Lifestyle Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Vivo Lifestyle Services, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
Is my money safe with Vivo Lifestyle Services?
Protection works through Addept Insurance Services Ltd, the principal firm responsible for Vivo Lifestyle Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Vivo Lifestyle Services a scam or clone?
Vivo Lifestyle Services 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 Vivo Lifestyle Services's Firm Reference Number (FRN)?
Vivo Lifestyle Services's FRN is 977441. You can verify it on the FCA register.