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Build your own Combined Initial Disclosure Document (CIDD)
To generate your SCDD template, please answer the questions
below. The answers you provide will generate a template in Microsoft Word,
based on your responses.
Some of the text in the template will be locked so you cannot change it. Other parts, which are shaded grey, may require editing. You will need to refer to the guidance notes in COBS 6 Annex 2, which provide detailed instructions on how to complete the CIDD, before editing these sections.
Build your own CIDD is a tool designed to help you compile your CIDD. You will need to refer to the guidance notes in COBS 6 Annex 2 to help you complete your CIDD properly and to ensure it complies with our rules.
It is very important that you read all the instructions below before you begin work on your CIDD.
Once the tailored template has been generated, you will need to:
- Save your own version (using the 'file' then 'save as' functions. Before doing so you must ensure that you are saving the 'final' version of the document. Look at the task bar in the top left hand corner of the screen. This should say 'Final'. If it does not, then change it by using the drop down menu before saving. If you do not see 'Final' on the task bar - or are using an older version of Microsoft Windows - then on the task bar you should click on 'View' and scroll down to 'Markup'. Uncheck it and then save the document);
- For question 1 you will not be able to select lifetime mortgages/home reversion schemes with standard mortgages or home purchase plans. These cannot be included together on a CIDD, so you will need to complete two separate documents.
- Select the appropriate box(es) in sections 2, 3 and 4. In sections 2 and the refund of fees section ONLY in section 4 you need to do this by deleting one of the two boxes (either the checked or unchecked box). For all other boxes in section 3 and 4 select the appropriate box for your circumstances using the mouse cursor.
- If you offer investment products, complete section 4 in accordance with the Notes.
- Where the text on your template is shaded grey, add your details to the template, or amend them to your circumstances (see Build your own disclosure - further information for details).
- To edit text shaded grey, use your arrow cursors to enter the text field before beginning deletion.
- The template you receive will be tailored to your firm, therefore you should not attempt to delete or amend text unless the text on your template is shaded grey.
- Please note, 'build your own CIDD' is only designed as a tool to help you compile your CIDD. It may not be suitable for all circumstances. You will still need to refer to the guidance notes to help you complete your CIDD.
- The font style cannot be changed on this template.
- This template will not work with headed paper or colour printing.
- This template is not suitable for firms who wish to exclude sections 5, 7 and 8 by including the information in their Terms of Business.
- This template is not suitable for Authorised Professional Firms who are not subject to the Financial Services Compensation Scheme levy.
- Build your own CIDD is not suitable for all firms. For example, it is not suitable for Authorised Professional Firms who are not subject to the Financial Services Compensation Scheme levy – these firms may instead use the CIDD word template which they can customise to construct their CIDD.
1 This is any relationship that may pose a conflict of interest. A firm that owns above a certain stake (10% of shares) in another firm gives them the right to vote on key matters, e.g. the right to vote for directors in that other firm. This may cause undue influence and therefore should be declared. .