James Ryan Thornhill Ltd Mortgages and Non-investment Protection
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1 James Ryan Thrnhill Ltd Mrtgages and Nn-investment Prtectin Summary f Our Service Terms We are authrised and regulated by the Financial Cnduct Authrity (Firm Number ). We are permitted t advise n and mediate (ie arrange) Prtectin, Mrtgage, Investment, and Retirement Planning prducts. We are als permitted t arrange cnsumer credit and t prvide debt cunselling as an adjunct t financial r mrtgage advice. Fr prtectin prducts, we research the whle r a representative sample f the market and make a suitable recmmendatin. We will always tell yu if, exceptinally, ur recmmendatin is nt whle f market. In that case we will n request supply a full list f the prviders we use. Fr mrtgages, we will advise and make a recmmendatin frm the whle market. Hwever, this may exclude prmtins ffered by prviders nly t applicants wh deal directly with them. Yu can chse hw t pay fr ur services. Our agreed charges may be paid by cheque r any majr debit/credit card, r instead by prduct prviders. If yu prefer, yu can pt fr a cmbinatin f bth. We will classify yu as a Cnsumer (nn-investment insurance). We d nt mediate mrtgages r prtectin plicies n a nn-advised r executin-nly basis. The Financial Cnduct Authrity des nt regulate Buy-t-Let Mrtgages. They are nt cvered by the Financial Services Cmpensatin scheme r the Financial Ombudsman Service. Data Prtectin and Privacy I permit James Ryan Thrnhill Ltd t use my persnal data fr its wn marketing purpses nly, with n disclsure t any ther party except as required by Law YES / NO I/we further permit James Ryan Thrnhill t pass my details t ther cmpanies assciated with it s they may cntact me/us (including by telephne) with details f any ther similar prducts, prmtins, r fr related marketing the firm thinks may interest me/us. YES / NO Preferred cntact methd/s - please delete unwanted ptins: Pst - - Text - Phne My chsen fee payment ptins - Prtectin prducts - Prvider s Cmmissin and / r Agreed fee Mrtgage - Agreed mediatin fee Plus prvider s prcuratin fee n cmpletin Client Declaratin Buy-t-let Mrtgages I/we appreciate buy-t-let mrtgages are unregulated financial prducts, and are excluded frm the Financial Services Cmpensatin Scheme (FSCS) and frm the Financial Ombudsman Service (FOS). Please understand This is ur standard Mrtgage and Nn-investment Prtectin client agreement, and we will rely n it in ur dealings with yu. Fr yur benefit and prtectin, yu shuld read ur full terms carefully and retain them fr future reference. Yu shuld sign this agreement nly if yu have read the full terms and firmly intend them t be binding Custmer Name(s) Custmer signature(s) Date f signature BtL Mrtgage + Pure Prtectin Client Agreement - Ver.2.4 (GDPR) Page 1 f 5
2 James Ryan Thrnhill Ltd Mrtgages and Nn-investment Prtectin Client Agreement (Full Terms) This dcument is issued by James Ryan Thrnhill Ltd f 41 Wllatn Rad, Beestn, Nttingham. NG9 2RN. Telephne Authrisatin Statement James Ryan Thrnhill Ltd is authrised and regulated by the Financial Cnduct Authrity (FCA N ). Yu can check this n the Financial Services Register by visiting the FCA website r by cntacting the FCA n (The Financial Cnduct Authrity regulates the financial services industry in the UK: their address is 25 The Nrth Clnnade, Canary Wharf, Lndn, E14 5HS.) Permitted Business Our permitted business includes advising n and arranging insurance cntracts and mrtgages (including equity release); cnsumer credit brking and debt cunselling. We als advise n and mediate in (ie arrange) investments, pensins, and retirement benefits; but we are nt permitted and have nt sught permissin t - Advise n ccupatinal pensin transfers r pt-uts (ther than limited permissin fr mney purchase ccupatinal pensin scheme at retirement transfers). Cnduct Discretinary Fund Management (DFM) ie switching yur investment funds as yur agent, withut yur specific prir authrity n each ccasin. Client Classificatin Each client with whm the firm des business is categrised t identify the level f regulatry prtectin. We prpse t classify yu as a Cnsumer fr Insurance business and as a Custmer fr any Mrtgage business. Cmmunicatins We will cmmunicate with yu in English bth verbally and in writing. Services prvided fr nn-investment clients We will assess yur needs, and make suitable recmmendatin/s in respect f pure prtectin - ie temprary life ( term ); critical illness; incme prtectin; private medical; accident and sickness and/r unemplyment insurances that have n investment element. We will assess yur Buy-t-Let Mrtgage needs in relatin t yur preferences and status, and give suitable advice and a recmmendatin (if apprpriate). We d nt hld clients mney. We will nt accept cash r cheques made payable t us, except t settle payments wed t us and fr which we have sent yu an invice. Payment fr ur services - Persnal Insurance If yu buy a nn-investment insurance cntract, we will nrmally receive cmmissin n the sale frm the prduct prvider. BtL Mrtgage + Pure Prtectin Client Agreement - Ver.2.4 (GDPR) Page 2 f 5
3 Whle f life assurance: sme prviders prducts are investment-based. In that case, investment rules d nt allw prviders t pay cmmissin: ur remuneratin must be an agreed advice charge paid by yu. Mst prviders can facilitate payment n yur behalf by deductin frm yur investment, r yu can pay us directly. If yu buy directly frm a prduct prvider, the charges might be the same as when buying thrugh an adviser, r they culd be higher r lwer. We will tell yu hw much ur cmmissin is likely t be befre yu cmplete a cntract, but yu may ask fr this infrmatin earlier. Alternatively, yu can chse t pay us a cmbinatin f fee and cmmissin r fee nly. Exceptinally, if the expected cmmissin will nt cver the cst f the required wrk, we may require a cmbinatin f fee and cmmissin. When we are t be paid a fee fr ur advice and mediatin services, an agreed prprtin f the fee is payable whether r nt yu buy a prduct. If we als receive cmmissin frm the prduct prvider, we may pass an agreed prprtin f that payment t yu. We will agree ur fee basis befre beginning any chargeable wrk. Yu may ask us fr an estimate f hw much in ttal we might charge. We will tell yu if, exceptinally, VAT is chargeable fr the chsen service. Our fee includes all csts nrmally incurred when mediating the type f prduct in questin. We will charge nly fr abnrmal expenses, and will nt incur r agree t incur any such cst withut yur express prir cnsent. Payment fr ur services Buy-t-Let Mrtgages Our typical charge fr standard buy-t-let mrtgage advice and mediatin is If yu d nt prceed after we have assessed yur circumstances, researched the market and/r made a recmmendatin, all r part f ur fee will still be payable. We will agree ur fees with yu befre undertaking any chargeable wrk. Imprtant - yur duty t disclse infrmatin Prviders will rely n the infrmatin in the applicatin and any linked questinnaires. It will be used as the basis fr any ffer f insurance and/r a mrtgage advance. Yu d nt have t disclse anything the prvider hasn t asked fr, unless the nn-disclsure wuld distrt the truth f infrmatin yu have prvided. In ther wrds, yu mustn t mislead the prvider by half-truths. Yu must - Answer all questins fully and accurately Disclse all material infrmatin asked fr n the prpsal frm. (Infrmatin is material if a reasnable persn ught t realise the prvider wuld rely n it when deciding whether t accept the applicatin r t d s nly n specific terms.) It is an ffence t make a dishnest statement in rder t btain insurance and/r a lan, r t get it n better terms. The same applies t dishnest failure t disclse required infrmatin. On cnvictin, ffenders are liable t imprisnment fr up t ten years and/r a fine. ( Dishnest means deliberately meant t mislead, r reckless as t the truth f a statement.) Prviders are likely t decline applicatins that misrepresent facts r cnceal facts that shuld have been disclsed. If yu ask us t reapply fr a mrtgage in such a case, we will charge yu fr the extra wrk. The additinal charge is up t fr each resubmissin. Cnflicts f Interest We will act hnestly, fairly and prfessinally, cnducting business in ur clients best interests. Situatins may ccasinally arise where we r ne f ur ther clients have a cllateral interest in business transacted fr yu. If this happens, r if we have reasn t think ur interests r thse f ne f ur ther clients may cnflict with yurs, we will alert yu and explain the steps we will take t ensure yur fair treatment; and will btain yur renewed cnsent befre we cntinue with yur instructins. We may benefit frm free r lw-cst training, suitable advice r analysis tls ffered by prviders. These services are made available t brkers and financial advisers withut bligatin - ften as part f prviders public relatins prgrammes. Their use benefits clients generally. Advisers als benefit because such services wuld BtL Mrtgage + Pure Prtectin Client Agreement - Ver.2.4 (GDPR) Page 3 f 5
4 therwise have t be bught at their full market price. We d nt cnsider their use as a ptential cnflict f interest. The Financial Cnduct Authrity prhibits us frm accepting any payment (cmmissin r nn-mnetary benefit) likely t cnflict with the duty f ur firm t its clients. Right t Cancel (Change yur mind) The Distance Marketing Directive nrmally grants yu 30 days in which yu may cancel a life r pensin cntract. Hwever there will be ccasins where n statutry rights are granted, but this will be explained befre any cntract is cncluded. We will always infrm yu if yu have a statutry right t cancel. Cmplaints We will always try t give exemplary service but, if yu wish t register a cmplaint, please write t: Del-Ryan Rafter, James Ryan Thrnhill Ltd, 41 Wllatn Rad, Beestn, Nttingham, NG9 2RN. Telephne We will acknwledge yur cmplaint in writing and will nrmally send a Final Respnse within eight weeks. If we fail t meet that deadline r if yu are still dissatisfied, yu may be entitled t refer the matter t the Financial Ombudsman Service (FOS). We will tell yu hw t d s, and will c-perate fully with the Ombudsman. Financial Services Cmpensatin Scheme Yur prtectin plicies and mrtgages may be prtected by the Financial Services Cmpensatin scheme (FSCS) if we r the prduct prvider becme inslvent and cannt meet ur bligatins. Fr plicies and mrtgages arranged since 2010, the limits are - Persnal mrtgages: 100% f the first 50,000 per persn per firm. Nn-cmpulsry insurances with n investment element: 90% f the claim, with n upper limit. Further infrmatin, including limits fr all ther prduct types, is available frm the FSCS at Buy-t-Let and Other Cmmercial Mrtgages The FCA des nt regulate any frm f cmmercial mrtgage, which includes buy-t-let mrtgages. That means they are utside the remit f the FOS and excluded frm FSCS Data Prtectin In May 2018, the General Data Prtectin Regulatin (GDPR) supplanted pre-existing UK laws n data prtectin. The new regime requires us t issue a separate written Privacy Statement t explain what persnal infrmatin we hld and hw we use it. If we haven t already dne s, we will give yu a cpy and explain it, s yu can give infrmed cnsent t ur prcessing infrmatin abut yu. Verifying Identity Mney Laundering, Financial Crime and Terrrist funding rules. It is ur standard practice t verify new clients identity and t identify plitically expsed persns r persns subject t financial sanctins. T d s, we may ask fr sight f riginal dcuments t prve the identity f parties, including trustees. We may als ask clients t explain the surce f depsits fr prperty purchase etc. Either alternatively r in additin, we may use prprietary search applicatins such as SmartSearch. Searches leave a sft ftprint n credit reference agencies files but they will nt affect yur credit scre. Verificatin is a legal prcess, s we d nt need cnsent and we may decline yur instructins if yu bject t it. BtL Mrtgage + Pure Prtectin Client Agreement - Ver.2.4 (GDPR) Page 4 f 5
5 Advice and Instructins We will cnfirm ur advice in writing if yu purchase a prduct n ur recmmendatin, r therwise if yu request a written cnfirmatin. We prefer clients instructins t be given in writing, but will prceed n ral instructins if we are satisfied the client has made a firm and infrmed decisin. At ur discretin, we may refuse t accept an instructin but will nt exercise that discretin withut reasnable cause. We will all recrd transactins in ur files and will retain recrds fr at least six years. Yu have the right t inspect recrds f yur transactins, but we may deny access t a recrd fr any reasn prescribed by Law. Frce Majeure We will nt be in breach f this Agreement and will nt incur any liability t yu fr any failure t perfrm agreed duties wing t any circumstances beynd ur reasnable cntrl. Terminatin The authrity t act n yur behalf may be terminated at any time withut penalty by either party giving seven days ntice in writing t that effect t the ther, but withut prejudice t the cmpletin f transactins already initiated. Any transactins effected befre terminatin and a due prprtin f any perid charges fr services shall be settled t that date. Law The client agreement is gverned by and shall be interpreted in accrdance with English Law. The parties agree t submit t the exclusive jurisdictin f the English Curts. We intend t rely n this standard client agreement. Fr yur wn benefit and prtectin, yu shuld read the terms carefully befre signing t indicate yur acceptance. If yu d nt understand any pint, please ask us t clarify it James Ryan Thrnhill Ltd 41 Wllatn Rad Beestn Nttingham NG9 2RN Tel: Fax: Authrised and regulated by the Financial Cnduct Authrity - FRN Legal Entity Identifier (LEI) FS9SZDN6A21K89 Cmpany Registered in England and Wales - N BtL Mrtgage + Pure Prtectin Client Agreement - Ver.2.4 (GDPR) Page 5 f 5
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