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McCAUSLAND LIGHT & RANKIN LTD

ACCEPTING OUR TERMS OF BUSINESS
By asking us to quote for, arrange or handle your insurances, you are providing your informed agreement to these Terms of Business. We draw your particular attention to:
The section headed ‘Use of personal data’ and specifically the paragraph explaining how ‘sensitive personal data’ will be used; and the section headed ‘Handling money’, which explains our terms for handling client money in a Non-Statutory Trust Account.
If you are unsure about any aspect of our Terms of Business or have any questions regarding our relationship with you, please contact us..

THE FINANCIAL SERVICES AUTHORITY
McCausland Light & Rankin Ltd is authorised and regulated by the Financial Conduct Authority (FSA). Our FSA Register number is 306700. McCausland Light & Rankin Ltd also trade as Alan Reid Brokers.
Our permitted business is advising, arranging, dealing as agent and assisting in the administration and performance of general insurance contracts.
You may check this on the FSA register by visiting the FSA website, www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

OUR SERVICE
Our role is to advise you and after we have assessed your needs, to make a suitable recommendation. In situations where we are able to arrange insurance for you but do not offer advice, we shall confirm the position in writing. We will not provide further advice or recommendations following the arrangement of insurance cover, unless you notify us of a material change of circumstance or formally request that we review your insurance arrangements. At renewal, unless we present you with a quote for cover with an alternative insurer, we will not offer advice or make recommendations (unless you request this during the renewal process).
We will not in any circumstances act as an insurer nor guarantee or warrant the solvency of any insurer. We do not accept liability for any losses that might be suffered if an insurer does incur financial difficulties.
We select personal and commercial insurances from a range of insurers, but for certain products, we may only deal with a single insurer or select from a limited number of insurers. We will give you further information about this before we finalise your insurance arrangements.

COMPLAINTS AND COMPENSATION
We aim to provide you with a high level of customer service at all times, but if you are not satisfied, please contact us:
In writing... Write to McCausland, Light & Rankin Ltd,
2A Castlereagh Business Park, 478 Castlereagh Road, Belfast BT5 6BQ
By phone... Telephone 02890 705070

If your complaint is not resolved to your satisfaction or if you are unhappy with the way we handled it, you may be eligible to refer the matter to the Financial Ombudsman Service if at the time of complaint you are a sole trader, small company or partnership with an annual turnover of less than £1m; or from 01.11.09, a firm with fewer than ten employees and an annual turnover / balance not exceeding €2m.
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered from 01.01.10 for 90% of the claim without any upper limit. For compulsory classes of insurance (such as Third Party Motor or Employers Liability), insurance advising and arranging is covered for 100% of the claim without any upper limit. Further information about compensation scheme arrangements is available from the FSCS on 020 7892 7300 or www.fscs.org.uk.

CLAIMS HANDLING ARRANGEMENTS
You should take note of the required procedures in the event of a claim, which will be explained in the policy documentation. Generally, insurers require immediate notification of a claim or
circumstances which might lead to a claim. We will employ due care and skill if we act on your behalf in respect of a claim.

YOUR RESPONSIBILITIES
You are responsible for providing the complete and accurate information which insurers require in connection with any proposal for insurance cover. This is particularly important before taking out a policy and at renewal but it also applies throughout the life of a policy. If you fail to disclose information or misrepresent any fact which may influence the insurers’ decision to accept the risk or the terms offered, this could invalidate the policy and mean that claims may not be paid. You must check all details on any Proposal Form or Statement of Facts and pay particular attention to any declaration you may be asked to sign.
It is important that you read all insurance documents issued to you and ensure that you are aware of the cover, limits and other terms that apply. Particular attention must be paid to any warranties and conditions as failure to comply with them could invalidate your policy.
You must inform us immediately of any changes in circumstances which may affect the services provided by us or the cover provided by your policy.
If you are unsure about any matter, please contact us for guidance.

USE OF PERSONAL DATA

We will process any personal information we obtain in the course of providing our services to you in accordance with the Data Protection Act 1998. In administering your insurances it will be necessary for us to pass such information to insurers and other product or service providers
which may also provide us with business and compliance support.
We may also disclose details to relevant parties, as necessary, to comply with regulatory or legal requirements. We may contact you or pass your details to other companies associated with us in order to promote products or services which may be of interest to you. We will not otherwise use or disclose the personal information we hold without your consent.
Some of the details you may be asked to give us, such as information about offences or medical conditions, are defined by the Act as sensitive personal data. By giving us such information you signify your consent to its being processed by us in arranging and administering your insurances.

MONEY LAUNDERING/PROCEEDS OF CRIME ACT
UK Money Laundering Regulations require us to obtain evidence of the identity of clients for whom we act at the start of the business relationship. Documentary evidence may be requested.
We are obliged to report to the National Criminal Intelligence Service any situation giving rise to a suspicion of money laundering. A formal report may be made in the following circumstances.
• If there is suspicion relating to a clients identity.
• If a client makes substantial or unusual cash payments.
• Where the transaction does not appear to be rational in the context of the clients business or personal activities.
We are prohibited from disclosing any report to the client.

PAYMENT FOR OUR SERVICES
You will receive a quotation which will tell you the total price to be paid, and which identifies any fees, taxes and charges separately from the premium, before your insurance arrangements are concluded. On request, we will be pleased to provide information about any commission received by us in the handling of your insurances.
We normally receive commission from insurers or product providers however, we will also charge you for handling your insurances as follows:
1. An administration charge of up to £25 for a mid term alteration / change to policy cover / cancellation of policy.
2. Commission and fees will be deducted from any return premium.

PREMIUMS & FINANCE
We will accept payment of your premium by cheque, cash and debit card. Most major credit cards are acceptable, subject to a charge. It may be possible to spread your premium payment through an insurers instalment plan. Interest will be payable on any instalment plan.
To enable us to offer you credit facilities, we are registered under the Consumer Credit Act and our licence number is 378447.
We may keep certain documents such as your insurance certificate while we are waiting additional information, documentation or payment of premium. In these circumstances we
will ensure that you receive full details of your insurance cover and will provide you with any documents that you are required to have by law.

HANDLING MONEY
Our financial arrangements with most insurers are on a RISK TRANSFER basis which means that we hold premiums and refunds due to clients on behalf of the insurance undertaking concerned. Such monies are deemed to be held by the insurer (s) with which your insurance is arranged. For the purpose of some transactions, client money may pass through other authorised intermediaries before being paid to the insurer.
You will be notified if RISK TRANSFER does not apply and such monies will then be held by us in a Non-Statutory Trust account pending payment. The establishment of the Non Statutory Trust account follows the rules which the FSA introduced to protect money held by authorised intermediaries. However, you should be aware that, under the Non Statutory Trust account rules, we are permitted to use monies temporarily held to advance credit to clients generally.
A copy of the Deed of Trust is available on request or may be inspected at our premises during normal office hours. If you object to your money being held in a Non Statutory Trust account you should advise us immediately. Otherwise, your agreement to pay the premium together with your acceptance of these Terms of Business will constitute your informed consent to our holding your money in a Non Statutory Trust account. Interest on monies held in a Non Statutory account will be retained by us.

CANCELLATION OF INSURANCES
You should make any request for the cancellation of a policy in writing and any relevant certificate of insurance must be returned to us or to the insurer concerned.
The terms of your policy may allow insurers to retain the premium in full or to charge short-period premiums in the event of cancellation before the policy expires.

TERMINATION OF AUTHORITY
You may terminate our authority to act on your behalf with 7 days notice or as otherwise agreed without penalty.
Your instructions must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to these terms of business unless otherwise agreed in writing. You will be liable to pay for any transaction or adjustments effective prior to termination and we will be entitled to retain any and all fees or commission payable in relation to policies placed by us prior to the date of termination.
In circumstances where we feel we cannot continue providing services to you, we will give you a minimum of 7 days notice.

CONFLICT OF INTERESTS
Occasions can arise where we or one of our associated companies, clients or product providers may have a potential conflict of interest with business being transacted for you. If this happens, and we become aware that a potential conflict exists, we will write to you and obtain your consent before we carry out your instructions and we will detail the steps we will take to ensure fair treatment.

LAW AND JURISDICTION
This agreement, which sets out the terms of our relationship with you, will be governed by and construed in accordance with Northern Ireland Law and any dispute in accordance with Northern Ireland Law and any dispute arising under it shall be subject to the exclusive jurisdiction of the Northern Ireland Courts.
1st May, 2010

ALAN REID BROKERS

ACCEPTING OUR TERMS OF BUSINESS
By asking us to quote for, arrange or handle your insurances, you are providing your informed agreement to these Terms of Business. We draw your particular attention to:
The section headed ‘Use of personal data’ and specifically the paragraph explaining how ‘sensitive personal data’ will be used; and the section headed ‘Handling money’, which explains our terms for handling client money in a Non-Statutory Trust Account.
If you are unsure about any aspect of our Terms of Business or have any questions regarding our relationship with you, please contact us.

THE FINANCIAL SERVICES AUTHORITY
Alan Reid Brokers is a trading name of McCausland Light and Rankin Ltd and is authorised and regulated by the Financial Conduct Authority (FSA). Our FSA Register number is 306700.
Our permitted business is advising, arranging, dealing as agent and assisting in the administration and performance of general insurance contracts.
You may check this on the FSA register by visiting the FSA website, www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

OUR SERVICE
Our role is to advise you and after we have assessed your needs, to make a suitable recommendation. In situations where we are able to arrange insurance for you but do not offer advice, we shall confirm the position in writing. We will not provide further advice or recommendations following the arrangement of insurance cover, unless you notify us of a material change of circumstance or formally request that we review your insurance arrangements. At renewal, unless we present you with a quote for cover with an alternative insurer, we will not offer advice or make recommendations (unless you request this during the renewal process).
We will not in any circumstances act as an insurer nor guarantee or warrant the solvency of any insurer. We do not accept liability for any losses that might be suffered if an insurer does incur financial difficulties.
We select personal and commercial insurances from a range of insurers, but for certain products, we may only deal with a single insurer or select from a limited number of insurers. We will give you further information about this before we finalise your insurance arrangements.

COMPLAINTS AND COMPENSATION
We aim to provide you with a high level of customer service at all times, but if you are not satisfied, please contact us:
In writing... Write to Alan Reid Brokers, 84 York Road, Belfast, BT15 3HF
By phone... Telephone 02890 748125
If your complaint is not resolved to your satisfaction or if you are unhappy with the way we handled it, you may be eligible to refer the matter to the Financial Ombudsman Service if at the time of complaint you are a sole trader, small company or partnership with an annual turnover of less than £1m; or from 01.11.09, a firm with fewer than ten employees and an annual turnover / balance not exceeding €2m.
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered from 01.01.10 for 90% of the claim without any upper limit. For compulsory classes of insurance (such as Third Party Motor or Employers Liability), insurance advising and arranging is covered for 100% of the claim without any upper limit. Further information about compensation scheme arrangements is available from the FSCS on 020 7892 7300 or www.fscs.org.uk

CLAIMS HANDLING ARRANGEMENTS
You should take note of the required procedures in the event of a claim, which will be explained in the policy documentation. Generally, insurers require immediate notification of a claim or circumstances which might lead to a claim. We will employ due care and skill if we act on your behalf in respect of a claim.

YOUR RESPONSIBILITIES
You are responsible for providing the complete and accurate information which insurers require in connection with any proposal for insurance cover. This is particularly important before taking out a policy and at renewal but it also applies throughout the life of a policy. If you fail to disclose information, or misrepresent any fact which may influence the insurers’ decision to accept the risk or the terms offered this could invalidate the policy and mean that claims may not be paid. You must check all details on any Proposal Form or Statement of Facts and pay particular attention to any declaration you may be asked to sign.
It is important that you read all insurance documents issued to you and ensure that you are aware of the cover, limits and other terms that apply. Particular attention must be paid to any warranties and conditions as failure to comply with them could invalidate your policy.
You must inform us immediately of any changes in circumstances which may affect the services provided by us or the cover provided by your policy.
If you are unsure about any matter, please contact us for guidance.

USE OF PERSONAL DATA
We will process any personal information we obtain in the course of providing our services to you in accordance with the Data Protection Act 1998. In administering your insurances it will be necessary for us to pass such information to insurers and other product or service providers which may also provide us with business and compliance support.
We may also disclose details to relevant parties, as necessary, to comply with regulatory or legal requirements. We may contact you or pass your details to other companies associated with us in order to promote products or services which may be of interest to you. We will not otherwise use or disclose the personal information we hold without your consent.
Some of the details you may be asked to give us, such as information about offences or medical conditions, are defined by the Act as sensitive personal data. By giving us such information you signify your consent to its being processed by us in arranging and administering your insurances.

MONEY LAUNDERING/PROCEEDS OF CRIME ACT
UK Money Laundering Regulations require us to obtain evidence of the identity of clients for whom we act at the start of the business relationship. Documentary evidence may be requested.
We are obliged to report to the National Criminal Intelligence Service any situation giving rise to a suspicion of money laundering. A formal report may be made in the following circumstances.
• If there is suspicion relating to a clients identity.
• If a client makes substantial or unusual cash payments.
• Where the transaction does not appear to be rational in the context of the clients business or personal activities.
We are prohibited from disclosing any report to the client.

PAYMENT FOR OUR SERVICES
You will receive a quotation which will tell you the total price to be paid, and which identifies any fees, taxes and charges separately from the premium, before your insurance arrangements are concluded. On request, we will be pleased to provide information about any commission received by us in the handling of your insurances.
We normally receive commission from insurers or product providers however, we will also charge you for handling your insurances as follows:
1. An administration charge of up to £25 for a mid term alteration / change to policy cover / cancellation of policy
2. Commission and fees will be deducted from any return premium.

PREMIUMS & FINANCE
We will accept payment of your premium by cheque, cash and debit card. Most major credit cards are acceptable, subject to a charge. It may be possible to spread your premium payment through an insurers instalment plan. Interest will be payable on any instalment plan.
To enable us to offer you credit facilities, we are registered under the Consumer Credit Act and our licence number is 378447.
We may keep certain documents such as your insurance certificate while we are waiting additional information, documentation or payment of premium. In these circumstances we will ensure that you receive full details of your insurance cover and will provide you with any documents that you are required to have by law.

HANDLING MONEY
Our financial arrangements with most insurers are on a RISK TRANSFER basis which means that we hold premiums and refunds due to clients on behalf of the insurance undertaking concerned. Such monies are deemed to be held by the insurer (s) with which your insurance is arranged. For the purpose of some transactions, client money may pass through other authorised intermediaries before being paid to the insurer.
You will be notified if RISK TRANSFER does not apply and such monies will then be held by us in a Non-Statutory Trust account pending payment. The establishment of the Non Statutory Trust account follows the rules which the FSA introduced to protect money held by authorised intermediaries. However, you should be aware that, under the Non Statutory Trust account rules, we are permitted to use monies temporarily held to advance credit to clients generally.
A copy of the Deed of Trust is available on request or may be inspected at our premises during normal office hours. If you object to your money being held in a Non Statutory Trust account you should advise us immediately. Otherwise, your agreement to pay the premium together with your acceptance of these Terms of Business will constitute your informed consent to our holding your money in a Non Statutory Trust account. Interest on monies held in a Non Statutory account will be retained by us.

CANCELLATION OF INSURANCES
You should make any request for the cancellation of a policy in writing and any relevant certificate of insurance must be returned to us or to the insurer concerned.
The terms of your policy may allow insurers to retain the premium in full or to charge short-period premiums in the event of cancellation before the policy expires.

TERMINATION OF AUTHORITY
You may terminate our authority to act on your behalf with 7 days notice or as otherwise agreed without penalty.
Your instructions must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to these terms of business unless otherwise agreed in writing. You will be liable to pay for any transaction or adjustments effective prior to termination and we will be entitled to retain any and all fees or commission payable in relation to policies placed by us prior to the date of termination.
In circumstances where we feel we cannot continue providing services to you, we will give you a minimum of 7 days notice.

CONFLICT OF INTERESTS
Occasions can arise where we or one of our associated companies, clients or product providers may have a potential conflict of interest with business being transacted for you. If this happens, and we become aware that a potential conflict exists, we will write to you and obtain your consent before we carry out your instructions and we will detail the steps we will take to ensure fair treatment.

LAW AND JURISDICTION
This agreement, which sets out the terms of our relationship with you, will be governed by and construed in accordance with Northern Ireland Law and any dispute in accordance with Northern Ireland Law and any dispute arising under it shall be subject to the exclusive jurisdiction of the Northern Ireland Courts.
1st May, 2010

 

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