Terms of Business
About this Document
This document states our terms. You need to read this important document. It explains the service we provide and the costs involved. By continuing with this service, you are agreeing to the terms included in this document.
How we are regulated
Mediprotect Healthcare Ltd is an appointed representative of The Right Mortgage Limited who are authorised and regulated by the Financial Conduct Authority (FCA). You can check our details and regulatory permissions on the FCA Register online or on 0800 111 6768. Our FCA reference number is 828751.
Our Company
Medi-protect Healthcare Ltd of Sunrise House, Hulley Road,Macclesfield, SK10 2LP trades as a Limited Company. Our Company Number is: 11601433.
Our Service
We offer an advised service. This means that we will provide you with a recommendation when we have assessed your needs.
Insurance Products
We offer products from a range of insurers for protection (noninvestment)insurance contracts. For example; Group Life, Group Critical Illness, and Group Income Protection insurances. We offer products based upon a fair analysis of general insurance providers for Private Medical Insurance and Cash Plans
What we will do
• Act in your best interests
• Communicate clearly and in plain English
• Explain all costs involved
• Assess your needs before making a recommendation
• Review the market from our list of reputable lenders and
providers to recommend the most suitable product for you
What we will do
• Submit an application before conducting a full review of your
circumstances and obtaining all supporting information
• Cause you to incur a credit search or incur any costs without your prior agreement
• Act without first getting your permission
• Give advice on;
- Legal/conveyancing matters
- Issues of taxation
- Investments or pensions
A list of the insurers with whom we transact business is available on request.
Instructions
We will normally accept verbal or written instructions. However, we always recommend that all instructions are provided in writing for clarity.
How we will operate
During our initial consultation we will complete a questionnaire to enable us to understand your circumstances and your needs. This enables us to give you appropriate advice. A copy of this is available upon request. We will conduct research to establish what products are most suitable for you and make these recommendations. This will be confirmed to you in writing. You will also be provided an illustration detailing the recommended product.
Your responsibilities
You must deal with us in an honest and transparent way. Not disclosing key facts about your circumstances could impact the advice given, and could impact your ability to obtain the most suitable product. It could even void the product, such as if this non-disclosure is viewed as a fraudulent act. If you have any doubts as to whether you should disclose a matter it is better to do so. It is your responsibility to check that the product is as you expected, you should check all documents carefully. Please notify your adviser as soon as possible of any issues.
Costs
• Insurance
• No fee is payable for our service in relation to insurance. We will be paid via commission.
Complaints
If you wish to register a complaint, please contact us: In writing: The Right Mortgage Limited, St John’s Court, 70 StJohn’s Close, Knowle, B93 0NH.
By phone: 01564 732 744 If you cannot settle your complaint with us, you may be able to refer it to the Financial Ombudsman Service.
www.financialombudsman.org.uk
By phone: 01564 732 744
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. http://www.financial-ombudsman.org.uk
Financial Services Compensation Scheme (FSCS)
You are protected by the Financial Services Compensation Scheme (FSCS) for the service we provide. If we are to be declared in default, in the event of any claim, you may be entitled to compensation.
For further information about the scheme, please call the FSCS or visit www.fscs.org.uk.
How we use your data
Full details of how we gather, store, use and process your personal data is contained in our Privacy Notice. As part of our service, we will ask you several questions that relate to your personal and financial circumstances, including questions
regarding potentially sensitive matters. Only information that is relevant to your financial planning needs will be gathered and stored.
We will retain this information for as long as is necessary to fulfil our regulatory and legal responsibilities, including defending any future Complaints. This data can also be useful to assist you in the future We will treat all your information as confidential. Steps will be taken to ensure that the information is accurate, kept up to date and only kept as required.
We have also taken measures to protect against unauthorised, or unlawful use and accidental loss or damage to the data.
Cancellation Rights
Depending on the product provided you will have different cancellation rights; these will be explained to you in our recommendations andwill be included in relevant documentation. It is your responsibility to exercise these rights as needed; we cannot do this on your behalf.
Customer money
We do not handle customer money. We will not accept any payment direct from you, and under no circumstances will we handle cash. Any third-party payments must be made to them directly. Call recording Telephone calls made to us may be recorded and used for training and/ or regulatory purposes.
Conflicts of interest
We will not transact business where we believe this could result in a conflict of interest. Where we believe that our interests conflict, we will
inform you in writing and agree with you how we can proceed.
Declarations
By proceeding to supply your personal details, you are agreeing:
• To the terms and conditions of this agreement
• That we may pass your information on to, any ‘third parties’ needed
to deliver our service
• That, the lender, or insurer we approach on your behalf, may conduct
a credit search