Protecting your personal information is very important to us. We are committed to taking all due care to protect this information

We would like to highlight a few matters relating to your information that you should be aware of. Some services are provided to us by third parties such as processing business or obtaining compliance or regulatory advice, which warrant the disclosure of more than just your basic contact details.

You agree that personal information held by us may be disclosed on a confidential basis, and in accordance with the Data Protection Act 1998, to any such third parties. You also agree that this information may be transferred electronically, e.g. email and you agree that ourselves, or any such third party, may contact you in future by any means of communication which we consider appropriate at the time.

Product Providers, Lenders and Investment Managers may administer your policy, any existing policies you may have with them and provide other services, from centres in countries outside Europe (such as India and the USA) that do not always have the same standard of data Protection laws as the UK. However, they are required to put a contract in place to ensure that your information is adequately protected.

Financial Crime Obligations

We are required by the antimoney 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.

Compensation Limits

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. For investment business The maximum level of compensation for claims against firms declared in default on or after 1 April 20019 is £85,000 per person per firm. The maximum level of compensation for claims against firms declared in default from 1 January 2010 – 31st March 2019 is £50,000 per person per firm.

Further information about compensation scheme arrangements is available from the FSCS website

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