01323 832777

Treating customers fairly (TCF)

We operate our business to embrace principles defined by the FSA as follows:

We undertake to deal openly and honestly at all times, to give you correct advice and information, to make recommendations which are appropriate to your  needs, and to honour any promises and representations we make.

We will do this by:

• Ensuring we have accurate information through fact finding to know you and understand your circumstances.
• Identifying your needs and dealing with those that are a priority in a clear, concise and fair way
• Discussing your options and ensuring we disclose clearly any key facts
• Recommending solutions within your budget and matching products to your needs.
• Doing what we promise in terms of service in a clear and concise manner

We therefore promise to:

• Complete a confidential fact find with you, so that we can make recommendations that meet your needs.
• Put our recommendations in writing, so that you can see what we have recommended and why.
• Agree with you how often we’ll meet, the format of our meetings and what we’ll discuss.
• Keep in touch with you as frequently as you want us to and in the way you choose.

In return we will expect you to:

• Give us all relevant information on your financial needs and areas of interest, now and in the future. This includes giving complete and accurate information on any applications you make to help ensure they succeed, to ensure the plans we advise are affordable, and to ensure that products you buy give you the protection you need
• Keep us up to date with your financial circumstances and contact us if you have any questions