Cheryl Browne

Cheryl Browne (FRN 800029) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.

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. Cheryl Browne (FRN 800029) is an AR of OSBORNE & SONS (INSURANCE CONSULTANTS) LIMITED (FRN 301014). When you use Cheryl Browne's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Cheryl Browne, 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.

The FCA register lists the phone number 020 8404 0066 for Cheryl Browne. If you were given different contact details, use these to check with the firm before going any further.

Cheryl Browne is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.

Protection works through Osborne & Sons (Insurance Consultants) Limited, the principal firm responsible for Cheryl Browne's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.