In each region we operate, we have the appropriate regulatory licence and/or permission, and are governed by the relevant local regulatory authorities.
If your address is in United Kingdom, Lightyear Financial Ltd administers your Lightyear account. Lightyear Financial Ltd (FRN 955739) is an appointed representative (AR) of RiskSave Technologies Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN 775330, FCA). Lightyear is registered in England and Wales (No. 12925823), at 42-46 Princelet Street, London E1 5LP.
An appointed representative (AR) designation allows brokerages such as Lightyear to get started as we are appointed to carry out regulated services on a FCA regulated principal firm’s behalf. Our direct authorisation application is currently with the FCA and we are working hard to finalise proceedings. In the meantime, being an AR allows us to launch sooner and start collecting feedback from our customers on how to make investing lightyears (pun intended!) better.
You can find us listed as an AR directly on the FCA website here.
Broker services are provided by Lightyear Europe AS. Lightyear Europe AS (Lightyear Europe) is authorised and regulated as an investment firm by the Estonian Financial Supervision Authority (Finantsinspektsioon, FSA) under activity licence number 4.1-1/31. Lightyear Europe is a company registered in Estonia with company number 16235024 and registered office at Volta 1, Tallinn 10412, Estonia.
You can find us listed as a licenced investment firm directly on the FSA website here.