Terms of Business of Tailored Finance Ltd.
We are delighted that you have considered Tailored Finance Ltd. These 'Terms of Business' set out the basis on which ‘Tailored Finance Ltd’ (TF) will provide business services to you. Please take a few minutes to read through these and if you have any questions we will be happy to answer them. If you have any queries we will be happy to deal with them and you can contact us at:
Tailored Finance Ltd, The Penthouse, Suite 1, The Mall, Beacon Court, Sandyford, Dublin 18
Phone: 01 4845120
Fax: 01 4845129
About Tailored Finance Ltd
TF is regulated by the Financial Regulator, T F is also a Mortgage Intermediary and a Deposit Broker and is authorised as a Credit Intermediary by The National Consumer Agency.
In relation to products provided by the companies with whom we are authorised to do business with we are authorised to:
(i) advise you in relation to the nature of each of the products and advise you as to which product is suitable for your needs
(ii) receive and submit applications on your behalf for a product(s).
TF has appointments to act in relation to all life assurance products - these include life assurance policies, specified serious illness and other protection type policies including health insurance, pension policies, and savings and investment and life assurance policies.
Our Services
Our principal business is to provide advice and arrange transactions on behalf of clients in relation to health insurance, life and pensions insurance products, finance, mortgages and deposits. We are a member of the IBA (Irish Broker Association).
Health Insurance
We can provide advice in relation to products for which we hold an agency, and can place business on your behalf with those product producers.
Life & Pensions
We can provide advice in relation to products for which we hold an agency, and can place business on your behalf with those product producers.
Finance
We can provide advice in relation to products for which we hold an agency, and can place business on your behalf with those product producers.
Mortgages
Through the lenders or other undertakings with which we hold an agency, TF can provide advice on and arrange products for all types of mortgages available from these lenders and other undertakings.
Deposits
We can provide advice in relation to products for which we hold an agency, and can place business on your behalf with those product producers.
Commission / Fees
TF may receive commission from the product producer to whom applications are submitted. Summary details of this commission will be included in a product information document, which you are legally entitled to receive before an application for a product is completed, and full details will be included with your cooling-off letter (which will follow directly from the chosen product provider). In certain circumstances may charge you a fee for the services provided. If we do this we will provide you with a written estimate of this in advance of providing any such business service. In relation to mortgage business, TF receives commission from lenders at a rate of up to 1% of the amount borrowed.
Conflict of Interest
It is the policy of TF to avoid any conflict of interest when providing business services to its clients. However, where an unavoidable conflict may arise we will advise you of this in writing before proceeding to provide any business service. If you have not been advised of any such conflict you are entitled to assume that none arises.
Default on payments by clients
TF will, if necessary, exercise our legal right to receive any payments due from clients for business services provided. We will also exercise our legal right to be reimbursed for any value obtained by the firm for clients, arising from payments by the firm on behalf of clients, who subsequently default in any payment due to us.
Product providers may withdraw benefits or cover on default of any payments due under any products arranged for your benefit. Details of these provisions will be included in your product terms and conditions.
Complaints
Any complaint that you may have in relation to the services provided should be made in writing to us outlining the nature of your complaint.
Any complaint (whether verbal or written) will be acknowledged within 14 days. The complaint will be fully investigated by TF and a full response will be provided. We will aim to provide this response not later than one month from receipt of your complaint. In the event that you remain dissatisfied with our handling and response to your complaint you are entitled to refer your complaint to the Financial Services Ombudsman’s Bureau, 32 Upper Merrion Street, Dublin 2. LoCall: 1890 88 20 90.
Data Protection
TF is a Data Controller and Data Processor registered with the Data Protection Commissioner and complies with the data Protection Acts 1988 and 2003.
All data provided to us will be kept on a computer data base and paper files for the purpose of arranging transactions on your behalf.
Investor Compensation Scheme
TF is a member of the Investor Compensation Scheme, which provides certain remedies to eligible clients on default by TF. Your legal rights against TF are not affected by this scheme. For further information, contact the Investor Compensation Company Ltd. at (01) 410 4955.
Additional Terms and Conditions of our Website
Alterations to our website
We update our website regularly and may alter the content at any time without prior notice.
Any of the material on our website may be out of date at any given time and we will endeavour to keep it up to date although are not under any obligation to do so.
Intellectual property rights
All intellectual property rights (including without limitation, all database rights, patents, trademarks, logos) content belong to T F.
Links to other websites
Please note that links to other websites are provided for your information only, T F does not accept any responsibility or liability in respect of the content of any such other website.
Emails
Please note that all emails are monitored for quality purposes.
Disclosure of information to third parties
T F does not sell, trade or rent your information and we will never disclose information about you to third parties, except to fulfill your specific orders for a product or information in the event that third parties deliver the relevant service.
We may of course be obliged by law to pass on your information to the Gardai or other statutory authority.
T F does not use commercially available or 'bought in' mailing lists or directories.
Directors: J Tucker, L Tucker and M Tucker.
Registered in Ireland No. 396994. Tailored Finance Limited is regulated by the Financial Regulator.
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