How are my investments protected?

What broker does Emma use?

Your investments are held with Seccl Custody Ltd, our UK-based custodian. This allows you to buy and sell investments directly from the Emma app.

Seccl securely holds your investments and cash in segregated accounts, separate from Emma’s own funds.

How are UK investment firms regulated?

Seccl Custody Ltd is authorised and regulated by the Financial Conduct Authority (FCA).

The FCA is the UK’s financial regulator and ensures firms operate fairly, protect customer assets, and follow strict rules around safeguarding investments and client money.

As a regulated custodian, Seccl is responsible for holding your assets securely and processing investment transactions on your behalf.

What if something happens to Emma?

Your investments are held in custody by Seccl, not by Emma.

This means your assets are kept separate from Emma’s own finances. If anything were to happen to Emma, your investments would remain safely held with Seccl.

In that scenario, arrangements would be made for you to continue accessing or transferring your investments to another provider.

What if something happens to Seccl?

Your investments are protected under strict UK custody and safeguarding rules.

In the unlikely event that Seccl were to fail, eligible customers may be protected by the Financial Services Compensation Scheme (FSCS).

The FSCS can compensate eligible investment claims up to £120,000 per person, per firm, subject to FSCS rules.

Updated on: 05/03/2026