Regulatory Disclosures

1. Regulatory Status and Authorisation

Ark Investments operates under a group structure with offices in both the Republic of Ireland and Northern Ireland. Our activities are regulated under the following frameworks:

• Central Bank of Ireland Authorisation
  Ark Investments is authorised and regulated by the Central Bank of Ireland under reference number C193010, in accordance with the Markets in Financial Instruments Directive (MiFID II).

• UK Fixed Income Operations
  Our Belfast office operates under a separately structured entity to engage with UK-based clients and provide bond-related services within the scope of UK and EU cross-border regulations.

2. Legal Entity Identifier (LEI)

• LEI: 635400R1DLBDS1A2LE97
  This identifier confirms Ark Investments' legal registration within global financial reporting systems, supporting transparency in all trading and settlement activities.

3. Client Asset Protection

• Deposit Guarantee Scheme (DGS)
  All eligible bond investments are structured through partner financial institutions that participate in the national Deposit Guarantee Scheme, providing protection of up to €100,000 per individual or €200,000 for joint accounts in the event of issuer insolvency.

• Investor Compensation Scheme (ICS)
  In accordance with Directive 97/9/EC, investors may be eligible for up to €20,000 in compensation should a regulated intermediary or custodian fail to meet its legal obligations.

• Insurance Cover
  For qualifying high-value investments, Ark Investments arranges insurance-backed capital protection with internationally rated insurers, offering additional safeguards beyond statutory schemes.

4. Data Protection and Privacy (GDPR)

We comply fully with Regulation (EU) 2016/679 (GDPR).
All client information — including identity documents, transaction data, and communications — is stored and processed securely, in line with our internal Data Protection Policy and applicable EU data privacy laws.
Clients may request access to, correction of, or deletion of their personal data at any time.

5. Anti-Money Laundering (AML) and Due Diligence

Ark Investments maintains a full AML/CTF programme in compliance with Directive (EU) 2018/843 (AMLD5) and related FATF recommendations.
This includes:

• Know Your Customer (KYC) procedures

• Source of funds and risk assessments

• Ongoing monitoring of transactional behaviour

• Regular compliance audits and staff training

We do not accept:

• Third-party payments

• Transfers from high-risk jurisdictions

• Transactions involving cash, cryptocurrency, or unverified accounts

6. Governance and Complaints Handling

Clients who wish to raise concerns or file a complaint may contact our compliance team directly. Unresolved matters may be referred to:

• The Financial Services and Pensions Ombudsman (FSPO) – Ireland

• The investor’s national competent authority within the EEA

• FIN-NET – the European cross-border financial dispute resolution network

7. Governing Law and Jurisdiction

All contracts, terms, and investment services provided by Ark Investments are governed by the laws of the Republic of Ireland, in conjunction with applicable EU financial regulations. Where relevant, matters may also fall under the jurisdiction of the Court of Justice of the European Union (CJEU).

Investor Protections

At Ark Investments, client protection is at the core of our investment philosophy. We operate with full regulatory oversight and a robust framework of safeguards designed to protect your capital, ensure transparency, and uphold the highest standards of client care. This page outlines the protections available to investors engaging with our fixed-income products.

1. Capital Protection Structures

All fixed-rate bond investments facilitated by Ark Investments are designed with capital preservation as a priority. Depending on the nature of the investment, your funds may benefit from one or more of the following protections:

a. Deposit Guarantee Scheme (DGS)

Under Directive 2014/49/EU, eligible deposits placed with participating EU credit institutions are protected up to:

• €100,000 per individual account

• €200,000 for joint accounts, with €100,000 allocated to each named party

This statutory protection applies to both the principal amount invested and any interest accrued up to the date of default. Compensation is issued by the relevant national authority within 7 to 20 business days, and no client action is required for eligibility.

b. Investor Compensation Scheme (ICS)

In the unlikely event that Ark Investments — or any authorised intermediary involved in custody or execution — fails to meet its obligations, clients may claim up to €20,000 per eligible investor under Directive 97/9/EC.

ICS protection applies to failures caused by:

• Fraud, negligence, or insolvency of a regulated investment firm

• Inability to return client funds or financial instruments

c. Insurance-Backed Cover for High-Value Investments

For qualifying investments of €500,000 or more, Ark Investments arranges supplementary insurance through internationally rated underwriters such as Lloyd’s of London, Zurich Insurance Group, or AXA. This coverage extends beyond the limits of statutory schemes and protects:

• 100% of the invested capital

• Accrued interest

• Legal and administrative recovery costs, where applicable

Clients receive a Certificate of Insurance and policy summary at the time of investment.

2. Regulatory Oversight

Ark Investments is fully authorised and regulated by the Central Bank of Ireland under firm reference number C193010. All services comply with key EU regulations, including:

• MiFID II – governing suitability, product governance, and investor protection

• PRIIPs Regulation – ensuring transparent product information

• GDPR – protecting client data and privacy

• Anti-Money Laundering Directives (AMLD 4 & 5) – enforcing client due diligence and transaction monitoring

3. Safeguarding of Client Funds

All client funds are held in segregated client trust accounts with regulated European banking institutions. We do not pool or reuse client funds and operate strict internal controls to ensure full traceability and compliance with safeguarding requirements.

4. Suitability Assessments and Risk Alignment

Before any investment is confirmed, clients undergo a suitability and appropriateness assessment as required under MiFID II Articles 24 & 25. This ensures that the investment:

• Aligns with the client’s financial objectives and time horizon

• Matches the client’s risk tolerance and liquidity needs

• Is structured in accordance with the client’s legal and regulatory status