Sure Financial Ltd
Parkside II, Mulhuddart, Dublin 15
Tel: 01 857 0655
Fax: 01 812 8922
info@irishinsurance.ie
These Terms of Business set out the basis which Sure Financial Ltd t/a Sure, Irish Insurance, Irish Pensions, Wealth Planning will provide insurance business services to you as a client of the firm and the respective duties and responsibilities of both the firm and you in relation to such services. Please take a few minutes to read through these and if you have any questions we will be happy to answer them.
Sure Financial Ltd t/a Sure, Irish Insurance, Irish Pensions, Wealth Planning is an Insurance Broker and is a member of the Professional Insurance Brokers Association (PIBA) Membership number 201242.The full name and address of the firm and communication details are set out on this document.
Regulatory Status
Sure Financial Ltd t/a Sure, Irish Insurance, Irish Pensions, Wealth Planning is registered with the Central Bank of Ireland as an Insurance Intermediary. A copy of the firms Statement of Authorised status from the Central Bank of Ireland is attached at Appendix 1. Our Central Bank number is 98368 and you can verify our regulatory status by phoning the Central Bank at 1890 77 77 77. Sure Financial Ltd t/a Sure, Irish Insurance, Irish Pensions, Wealth Planning does not hold any shareholding in an insurer and likewise no insurer holds a shareholding in this firm.
Commission and Charges
Sure Financial Ltd t/a Sure, Irish Insurance, Irish Pensions, Wealth Planning may receive commission and other payments from the product producer to whom orders are transmitted. Where applicable in relation to certain life assurance policies, summary details of these payments will be included in a product information document, which you are legally entitled to receive before an application for a product is completed. Full details will be included with your cooling-off letter.
We may receive additional remuneration from product producers based on the volume of business placed or other arrangements. We may also receive renewal commissions while your policy remains inforce. All of these payments contribute to the overall cost of running our business and providing you with service on an ongoing basis.
Codes of Conduct
Sure Financial Ltd t/a Sure, Irish Insurance, Irish Pensions, Wealth Planning is subject to the Consumer Protection Code, Minimum Competency Code and Fitness & Probity Standards which offer protection to consumers. These Codes can be found on the Central Bank’s website www.centralbank.ie
Life & Protection
Life Assurance Companies provide products such as Life Cover, Serious Illness Cover and Income Protection. Depending on your individual circumstances, we may provide you with advice in relation to the nature of these products and which product may be suitable for your needs. You may however, wish to focus on our advice on areas of particular interest to you. We provide advice on a fair analysis basis as we can give you advice on all the products on offer from the Life Insurers listed in Appendix 2 and other Insurers who make information available to intermediaries. We can receive and transmit orders for such products on your behalf to the Insurers listed in Appendix 2.
Our Services
The services which the firm is authorised to provide are:
(a) Advising you in relation to the nature of each of the products set out below and advising you as to which product is suitable for your needs.
(b) Identifying and selecting a suitable product producer.
(c) Receiving and transmitting orders on your behalf for a product(s) to one or more product producers listed in Appendix 2.
(d) We provide advice on Life and Protection policies, such as Life Insurance/ Assurance, Serious Illness cover and Income Protection.
Regular Reviews
It is in your best interest that you review, on a regular basis the products which we have arranged for you. As your circumstances change, your needs will change. You must advise us of those changes and request a review of the relevant policy so that we can ensure that you are provided with up to date advice and products best suited to your needs. Failure to contact us in relation to changes in your circumstances or failure to require a review may result in you having insufficient insurance cover and/or inappropriate investments.
Conflicts of Interest
It is the policy of the firm to avoid any conflict of interest when providing business services to its clients. However, where an unavoidable conflict may arise, we will advise you of this in writing before proceeding to provide any business service. If you have not been advised of any such conflict, you are entitled to assume that none arises.
Disclosure of Information
It is important to note that a failure to disclose material, correct, or complete information on a Proposal Form may result in an insurer rejecting a claim. Therefore, it is your responsibility to read and check that the information recorded on a Proposal Form is correct and if there are any errors you must notify us immediately. Otherwise, it will be taken that the information shown has been recorded correctly.
Legal Rights
Sure Financial Ltd t/a Sure, Irish Insurance, Irish Pensions, Wealth Planning will, if necessary, exercise its legal rights to receive any payments due to it, from clients for business services provided by it and to be reimbursed for any value obtained by it for clients arising from payments to it by clients which subsequently default.
Insurance Providers may withdraw benefits on default of payments due under any products arranged for your benefit. Details of these provisions will be included in your product terms and conditions.
Complaints
Any complaint will be acknowledged within 5 business days. The complaint will be fully investigated by Sure Financial Ltd t/a Sure, Irish Insurance, Irish Pensions, Wealth Planning and a full response will be provided to you. We will aim to provide this response not later than one month from receipt of your complaint. In the event that you remain dissatisfied with the firms handling and response to your complaint, you are entitled to refer your complaint to the Financial Services Ombudsman or the Pensions Ombudsman. A full copy of our complaints procedure is available on request.
Data Protection
Sure Financial Ltd t/a Sure, Irish Insurance, Irish Pensions, Wealth Planning is a Data Controller as defined in the Data Protection Act 1988 and 2003. We collect your personal details in order to provide the highest standard of service to you, to source products suited to your needs, and to arrange insurance products for you. To fulfil these objectives we may share information with insurers and other affiliated professionals. This information may also be used to advise you of products and services we may offer from time to time. If you do not wish to receive such marketing information please let us know. We may receive referrals from other firms with which we have a business relationship and may advise them of any transactions arranged for you. We may contact you by way of letter, email, phone, SMS text, or fax, based on the contact details which you provide to us, for the purposes outlined above. You have the right at any time to request a copy of any ‘personal data’ within the meaning in the 1988 Act (as amended or re-enacted) that our office holds for you and to have any inaccuracies in that information corrected.
Sure Financial Ltd t/a Sure, Irish Insurance, Irish Pensions, Wealth Planning is regulated by the Central Bank of Ireland.
THESE TERMS OF BUSINESS ARE VALID FROM 1st OCTOBER 2012 UNTIL FURTHER NOTICE
Calculators
Some of the calculators on this website are based upon calculators built by pension producers. It is recommended that you speak with your broker before buying any financial product.
Terms and Conditions
Access to our Web Site and the use of its information is ruled by the following terms and conditions. By proceeding you are deemed to have accepted these terms and conditions. Any references to “we” relate to www.irishmortgages.ie, our subsidiaries and associate companies.
IrishMortgages.ie is owned by Sure Financial Ltd t/a Sure, Irish Insurance, Irish Pensions, Wealth Planning, which is regulated by the Central Bank of Ireland as a Multi-Agency Intermediary.
This web site is established in Ireland in accordance with the laws of Ireland and is governed by Irish law. By using the web site, it is deemed you accept that your use of the web site and any information on it, will also be governed by Irish law and if any claim or dispute arises from your use of the web site or any of the information on it, you agree that the Irish courts have exclusive jurisdiction.
Information about some of the products and services on this web site may be subject to specific restrictions concerning the persons to whom such information may be made available.
The information on the web site is provided in good faith, taken from industry, trade and other sources believed to be reliable. Although we have made all reasonable efforts to ensure that the information on the site is accurate at the time of inclusion, we do not recommend that it should be relied upon as such.
The information contained in this web site is for information purposes only. Whilst every care has been taken in their preparation we do not make any warranties or representations as to their completeness, accuracy or reliability of the contents of this Site. We neither accept nor assume any responsibility to you in relation to the contents of this Site.
The information contained in this web site should not be relied upon to enter into any investment or property purchase decision either by placing a deposit or going to auction on the basis of this information.
Be aware that the sending of information via e-mail over the Internet may not be secure and can be intercepted by third parties or incorrectly delivered.
There are some links on our web site to web sites not operated or maintained by us. We will not be liable in any way for the content, availability or use of such linked web sites and you use such links entirely at your own risk.
Access to and use of this web site is at your own risk. We do not represent or warrant that the use of this web site or any information accessed from it will not cause damage to property, including but not limited to loss of data or computer virus infection. In no event do we accept liability of any description including liability for negligence for any damages whatsoever resulting from loss of use, data or profits arising out of or in connection with the access, use or performance of this web site or any its contents.
The contents of the web site, including these terms and conditions, are subject to change by us without prior notification. Information may be updated from time to time and may at times be out of date. We accept no responsibility for keeping the information in this web site current or liability for any failure to do so.
The information contained within the web site, our logos and trademarks may not be copied, transmitted or reproduced without written permission.