Terms & Conditions
Life EXPERT
Suite 7, Ormeau House, 91-97 Ormeau Road
Belfast
BT7 1SH
0300 303 5758
[email protected]
Client Agreement for Execution Only Services No advice given.
Authorisation Statement
Life Expert is a trading name of Family Confident Limited who is an appointed representative of Plan and Prosper Financial Group and Regulated by the Financial Conduct Authority (FCA). The FCA regulates financial services in the UK and you can check our authorisation and permitted activities on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/firms/systems-reporting/register or by contacting the FCA on 0800 111 6768. Our Financial Services Register number is 798095.
Our Services
We have provided you with this agreement in relation to life insurance which you wish to establish. Where a person does not request financial advice but instructs us to arrange a specific insurance policy, we refer to this as an ‘execution only transaction’.
As we are not providing personalised advice based on your individual circumstances it will result in you giving up the protection available to you under the Financial Services and Markets Act 2000 in relation to the assessment of suitability. This will result in you having limited access to the Financial Ombudsman Service where we arrange life insurance on your behalf that you later realise is not suitable for you.
Indemnity
You agree to indemnify and hold Life Expert and its employees and agents harmless from and against all liabilities, legal fees, damages, losses, costs and other expenses in relation to any claims or actions brought against Life Expert arising out of any breach by you of these Terms and Conditions or other liabilities arising out of your use of this Website.
Our Ethical Policy
We are committed to providing the highest standard of service possible. The interest of our clients is paramount to us and to achieve this we have designed our systems and procedures to place you at the heart of our business. In doing so, we will:
- Be open, honest, and transparent in the way we deal with you;
• Not place our interests above yours.
• Communicate clearly, promptly and without jargon;
• Seek your views and perception of our dealings with you to ensure it meets your expectations or to identify any improvements required.
Instructions
We will accept instructions in writing and verbally by recorded telephone call only.
Client Money
We are not permitted to handle client money and we cannot accept a cheque made out to us. We will set up a direct debit on your behalf as the product provider will collect premiums this way.
Right to Cancel
We will inform you of your statutory right to cancel once you have provided your instructions to us.
Documentation
The product provider will forward all documents to you regarding your insurance. We will issue all communications in English, unless agreed otherwise.
Material Interest
We will act honestly, fairly, and professionally known as conducting business in ‘Client’s best interest’ regulations. Occasionally situations may arise where we or one of our other clients have some form of interest in business transacted for you. If this happens or we become aware that our interests or those of one of our other clients’ conflicts with your interest, we will write to you and obtain your consent before we carry out your instructions and detail the steps we will take to ensure fair treatment. Where this cannot be achieved, we will not conduct the business.
Complaints
Should you have any questions, concerns, or complaints about the use of your personal information, you can raise these by contacting Life Expert via email [email protected] with a broad outline of the nature of your question, concern, or complaint.
Alternatively, you may put your complaint in writing to:
Suite 7, Ormeau House, 91-97 Ormeau Road
Belfast
BT7 1SH
Or by phone: 03003035758
Anti-Money Laundering
We are required by the anti-money laundering regulations to verify the identity of our clients, to obtain information as to the purpose and nature of the business which we conduct on their behalf, and to ensure that the information we hold is up to date. For this purpose, we may use electronic identity verification systems and we may conduct these checks from time to time throughout our relationship, not just at the beginning.
Law
This client agreement is governed and shall be construed in accordance with English/Northern Ireland Law and the parties shall submit to the exclusive jurisdiction of the English/Northern Ireland Courts.
Force Majeure
Plan and Prosper Financial Group Limited shall not be in breach of this Agreement and shall not incur any liability to you if there is any failure to perform its duties due to any circumstances reasonably beyond its control.
Termination
The authority to act on your behalf may be terminated at any time without penalty by either party giving seven days notice in writing to that effect to the other, but without prejudice to the completion of transactions already initiated. Any transactions effected before termination a due proportion of any period charges for services shall be settled to that date.
Intellectual Property
All information, data and copyright material contained on this Website, including any trademarks (whether officially registered or unregistered), trade names, brands, logos and devices belong to Us or to people whom We have given ownership or permission to use such information data and/or copyright material. You must not use such information or copyright material unless You have written permission from Us or the owner to do so.
You may download or copy the content and other downloadable items displayed on this Website for personal non-business use only, (i.e. to assist with a purchasing decision), provided that You are not otherwise breaching these Terms and Conditions.
DECLARATION
This is our standard client agreement upon which we intend to rely. For your own benefit and protection, you should read these terms carefully. If you do not understand any point, please ask for further information.