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Arma Karma Limited is an Appointed Representative of Innovative Risk Labs Ltd, under Firm Reference Number 925873. Innovative Risk Labs Ltd is authorised and regulated by the Financial Conduct Authority under FRN 609155. We are registered in England and Wales,under Registered Company Number: 12002692. Registered Office Address: Innovation Centre, Knowledge Gateway, Boundary Road, Colchester, England, CO4 3ZQ. The Arma Karma Virtual Health product is not regulated by the Financial Conduct Authority or the Prudential Regulation Authority and therefore is not covered by the Financial Ombudsmen Service or the Financial Services Compensation scheme. This product is not regulated by the Financial Conduct Authority and therefore is not covered by the Financial Ombudsman Scheme or the Financial Services Compensation Scheme.