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Terms of Business - One Quote Financial Brokers Ltd t/a One Quote, 11 James’s Terrace, Malahide, Co Dublin Tel: 01 845 00049 Email: [email protected] The following terms of business agreement outlines the terms and conditions on which we will provide services to you. It is important that you read this document carefully.These Terms of Business set out the general terms under which our firm will provide business services to you and the respective duties and responsibilities of both the firm and you in relation to such services. Please ensure that you read these terms thoroughly and if you have any queries we will be happy to clarify them. If any material changes are made to these terms we will notify you.

1. Authorisation with the Central Bank of Ireland

One Quote Financial Brokers Ltd, trading as One Quote is registered with the Central Bank as an Insurance Intermediary under the European Communities (Insurance Mediation) Regulations, 2005. Copies of our regulatory authorisations are available on request. The Central Bank of Ireland holds registers of regulated firms. You may contact the Central Bank of Ireland on 1890 777 777 or alternatively visit their website at www.centralbank.ie to verify our credentials.

2. Codes of Conduct

One Quote Financial Brokers Ltd is subject to the Consumer Protection Code, Minimum Competency Code and Fitness & Probity Standards which offer protection to consumers. These Codes can be found on the Central Bank’s website: www.centralbank.ie.

3. Our Services

As a regulated financial broker, our principal business is to provide advice and arrange transactions on behalf of clients in relation to life & pensions and investment products. The products which we offer include: Protection

• Mortgage Protection
• Life Assurance
• Specified Serious Illness
• Income Protection
• Inheritance Tax Provision
• Business Protection - (Key Person, Co Directors and Partnership).

Insurance Based Investments

• Investment Bonds

Pensions

• Private Pension Plans
• Pensions Bonds
• Approved Retirement Funds - AMFR'S & ARF's

Life Insurance company agencies held at present include:

• Aviva
• Friends First
• Irish Life
• New Ireland
• Royal London
• Zurich Life

4. Fair & Personal Analysis

The concept of fair analysis is derived from the Insurance Mediation Directive. It describes the extent of the choice of products and provider offered by an intermediary within a particular category of life assurance, or a specialist area. The number of contracts and providers considered must be sufficiently large to enable an intermediary to recommend a product that would be adequate to meet a client’s needs. The number of providers that constitutes ‘sufficiently large’ will vary depending on the number of providers operating in the market for a particular product or service and their relative importance in and share of that market. The extent of fair analysis must be such that could be reasonably expected of a professional conducting business, taking into account the accessibility of information and product placement to intermediaries and the cost of the search. In order to ensure that the number of contracts and provider is sufficiently large to constitute a fair and personal analysis of the market, we will consider the following criteria:

• The needs of the customer;
• The number of providers in the market that deal with brokers;
• The market shares of each of those providers;
• The number of relevant products available from each provider;
• The availability of information about the products;
• The quality of the product and service provided by the provider.

We will provide assistance to you for any queries you may have in relation to the policies and at point of sale or in the event of a claim during the life of your policy, we will explain to you the various conditions and any exclusions or restrictions that may be attached to your policy. However, it is your responsibility to read the policy documents, literature and brochures to ensure that you understand the nature of the policy cover; particularly in relation to Income Protection and Serious Illness Cover policies. Specifically on the subject of Income Protection policies we will explain to you; (a) the meaning of disability as defined in the policy; (b) the benefits available under the policy; (c) the general exclusions that apply to the policy; and (d) the reductions applied to the benefit where there are disability payments from other sources. For a Serious Illness Cover policy, we will explain clearly to you any restrictions, conditions and general exclusions that attach to that policy and the importance of full and true disclosure at point of any existing health conditions you may already have.

5. Protection Quotations & Free Cover

All protection site discounted quotations (Mortgage Protection, Life Insurance, Serious Illness Cover, Income Protection) are valid for a period of up to 30 days, but may change due the occurrence of a birthday, prior to start date. Quotations for insurance are indicative only. All quotations are subject to acceptance by the insurer concerned upon receipt of proposal forms and relevant documentation, including full application disclosure. Please note full disclosure of all material facts should be made including medical history and claims. Failure to disclose all relevant information could result in your policy being cancelled, claims not being paid, difficulty in getting insurance elsewhere. You can complete your application form online once you have a PDF reader, you can also print sign and scan the declaration pages and direct debit mandates, or using a digital signature. The offer of the first month free, where applicable is subject to the insurer in question maintaining the free month offer. Where free cover applies, with Royal London and Aviva policies you will be on free cover for the first month from your chosen policy start date. For Zurich Life, the free cover period runs form the policy issue date to the first direct debit date. Zurich policies with a start date of  the 1st of the subsequent  month can enjoy free cover form policy issue date, right up to the 15th the following month. Currently Irish Life, Friends First nor New Ireland allow a free cover period. One Quote Financial Brokers Ltd, reserve the right to amend our discounted percentage levels as they apply to market conditions at any time. Written proof must be provided of a cheaper like for like quote for any additional discount to apply.

6. Regular Life Insurance Review

It is in your interests that you review, on a regular basis, the products which we have arranged for you. As your circumstances change, your needs will change. You must advise us of those changes and request a review of the relevant policy so that we can ensure that you are provided with up to date advice and products best suited to your needs. Failure to contact us in relation to changes to your circumstances or failure to request a review may result in you having insufficient insurance cover.

7. Regular Investment Product Review

We will provide periodic assessments of the suitability of the insurance based investment product which we have recommended to you. You will be personally assessed with regard to your attitude to investment risk on each and any lump sum investment or pension investment we arrange, but should your circumstances or risk attitude change you may also contact us anytime to discuss to free fund switch.

8. Broker Remuneration

One Quote Financial Brokers Limited receives our remuneration by way of commission from the life insurance companies with whom we place protection, pension and investment business on your behalf. Where we receive recurring commission, this may form part of the standard remuneration for initial advice provided on protection business and for a level of ongoing support on investment and pensions business, as outlined and agreed with you at business outset. Protection Advice Any commissions we receive from our product providers are reduced by One Quote to allow for a reduction in the insurers standard price. All protection products including Mortgage Protection, Life Insurance, Serious Illness Cover and Income Protection are offered on a fixed discounted price, as a result of our reduced commission payments. Pension Advice - Regular Contributions & Lump Sums All pension investments which we arrange are done so a low cost basis, meaning no contribution related charges and 100% net investment allocation at all times. Executive Pension Plans For advising on and later setting up your Executive Pension Plan, we will receive an initial once off commission from the product provider. Any ongoing commissions will be dependent on your need for regular monitoring and performance reviews and where applicable a fund based charge of between 0.25% and 0.50% may apply, subject to a maximum total fund management charge of 1.00% PA. PRSA'S For advising on and later setting up your Personal Retirement Savings Account , we will not receive any initial once off commission from the product provider, nor  any ongoing commissions. Our fee is a flat once off fee payable directly to One Quote amounting to: €300.00. Investment Advice - Lump Sums All lump sum investments which we arrange are done so a low cost basis, meaning no contribution related charges and 100% net investment allocation at all times, even after the 1% Government charge. For advising on and later setting up your investment we will receive an initial once off commission from the product provider. Any ongoing commissions will be dependent on your need for regular monitoring and performance reviews and where applicable a fund based charge of up to 0.25% may apply. Existing Investment Audits Where we are requested to carry out an audit of any existing pension, lump sum investment or ARF investments, this work will include arranging broker authority and gathering full product information, together with recommending and carrying out any alterations to amend risk and reduce ongoing charges as appropriate. Our fee for this audit service is €250.00 per hour and will be invoiced directly and accordingly. Full Financial Review A flat fee of €350 is charged if you require an individual detailed financial report produced in conjunction with a full financial review.

9. Non-policy Issue & Cancellation Fee’s

In certain limited circumstances where you the customer decide to proceed with a protection application, but then choose not to proceed with your policy, cancel your policy within the first year or you are declined, or postponed by the life company due to personal medical issues, a flat once off fee of €150.00 will be chargeable and invoiced for our time. Full details of any known medical condition must be disclosed on any protection application and such issues may be discussed with a One Quote Financial Adviser in advance of application return, for advice free of charge. No fee is chargeable for policy cancellation after 12 months from policy start date.

10. Conflicts of Interest

It is the policy of One Quote Financial Brokers Ltd t/a One Quote to avoid a conflict of interest when providing services to clients. Where an unavoidable conflict arises we will advise you of this in writing before providing any business services. If you have not been made aware of any such conflict you may assume that none arises.

11. Default Remedies

Product providers are entitled to withdraw benefit or cover on default of any payments due under any products arranged for your benefit. It is therefore critical to the guaranteed continuance of your insurance that your premium is paid in full. Some insurers may include as a term of the insurance a settlement due date or in some cases a warranty under the terms of which the premium must be paid to them by a certain date. We inform our clients of such requirements and the relevant date in good time to allow the payment terms to be met. Failure to comply with the terms of the warranty may mean that the insurer’s obligation under the policy will be terminated. We will automatically advise you of any payments outstanding on your policy and the consequences of failure to pay premiums. An outline of the action and remedies which the relevant product producers may take in the event of default by a client is included in the product producer’s policy document.

12. Investors Compensation Scheme

One Quote is a member of the Investor Compensation Company Ltd (ICCL) scheme established under the Investor Compensation Act, 1998 (as amended) (the "Act"). A right to compensation will only arise where money or investment instruments held by us on your behalf cannot be returned either for the time being or for the foreseeable future and where you fall within the definition of eligible investor as contained in the Act. In the event that a right to compensation is established, the amount payable is the lesser of 90% of your loss, which is recognised as being eligible for compensation, or €20,000.

13. Confidentiality

We will use your personal information only for the purpose for which you provide it. All such information will be held in accordance with the Data Protection Acts. We will take all reasonable steps to ensure that persons employed by us are aware and comply with such legislation. We would like to be able to contact you by way of telephone, letter or email, in relation to any products which we might consider to be of interest to you. If you do not wish us to provide you with details of possible additional products, please let us know.

14. Complaints Procedure

If you would like to talk to us about how we could improve our service, or if you are unhappy with the service you are receiving, please let us know by telephoning or writing to us. Any complaints will be responded to in writing. We will carefully consider any complaint as soon as we receive it and do all we can to explain the position to you. If we do not answer your complaint to your satisfaction, you may of course take up the matter with the Financial Services Ombudsman or the Pensions Ombudsman. We will respond to any compliant within 5 working days in writing.

15. Data Protectionts

We are subject to the requirements of the Data Protection Acts, 1988 and 2003. The data which you provide to us will be held on a computer database and or paper files for the purpose of arranging transactions on your behalf. The data will be processed only in ways compatible with the purposes for which it was given.

Client Acknowledgement

Terms of Business In proceeding to transact business, you have acknowledged that you have been provided with a copy of the Terms of Business of One Financial Brokers Ltd t/a One Quote and confirm that you have read, accept and understand them.

Website of One Quote Financial Brokers trading as One Quote

This is the privacy statement of One Quote and relates to our privacy practices in connection with this website. We are not responsible for any content or privacy practices of other websites which we may link to from time to time. Any external links to other websites are clearly identifiable as such. This privacy statement applies solely to information collected by this website.

General Statement

One Quote fully respects your right to privacy, and is committed to protecting your privacy in accordance with the Data Protection Acts 1988, 2003 and 2018 at all times. We will not collect any personal information about you on this website without your permission in accordance with compliance with the Data Protection Acts.

Collection and Use of Personal Information

Except in relation to certain specific features of this website, you do not have to provide us with any personal information to use our website. However, where you elect to give us your personal data through this website via online product application forms, or email then we will treat your personal information in accordance with the Data Protection Acts. We keep the information you provide about yourself and about third parties to provide and administer insurance and financial products provided. Some of the possible uses of your personal data include: a) Processing your insurance application b) Market research c) Underwriting requirements d) Fraud prevention e) Risk management f) Provision of advice We will process this information and store it on our computer and manual records system. You may be required to provide us with sensitive personal data e.g. details about your health or the health of third parties. This information is important and will remain confidential.

Giving us your personal information

Please note that where you provide us with your personal information through a facility provided on this website or directly to us by email, you consent to us: a) Processing and administering your personal data to perform all necessary actions to give effect to your request or instruction; b) Passing your request to employees of High Rock Financial Solutions or other companies with whom we hold an agency, for the purposes of dealing with your request (at all times in accordance with the Data Protection Acts); c) Retaining a record of incoming and outgoing communications (e.g. email).

We may disclose your information in confidence to:

• Life Assurance Companies and other Product Providers with whom we hold an agency • Regulatory organisations • Or as required by law d) Direct Marketing. Where you provide us with your consent by opting in, we may use your personal data for our own direct marketing purposes. If later, you wish to cancel your mind, or no longer agree to us processing your personal information for direct marketing purposes, you may opt out again at any time by contacting us via our Contact Us page or emailing [email protected] Furthermore, should you provide us, via this website, with contact information relating to third parties, you will, through your direct contact with the data subject, take steps necessary to legitimise your processing of their personal information (including by obtaining consent of the data subject to processing, to provide information to the data subject to ensure fair processing of their information (including information as to our name and address, your disclosure of information to us for the purposes as described above, our possible further disclosure of information for the purposes as described above, and the data subjects right of access and correction) and otherwise to ensure the fairness and lawfulness of all processing of information relating to the data subject. By providing One Quote with any information originating from a third party subject, you confirm that you have taken and completed these steps.

Security of Data

One Quote takes seriously its security obligations in respect of your personal data under the Data Protection Acts to prevent unauthorised access to, or alteration or destruction of personal data in our possession. We are committed to protecting the security of your personal information. Our Website is a secure site using an SSL Certificate, meaning it encrypts the transmission of all data. However, we cannot guarantee the complete security of our database, nor can we guarantee that information you supply won’t be intercepted while being transmitted to us over the internet. We will continue to review policies and implement additional security features as necessary.

Right of Access

Where you have provided us with your personal data you have a right to be given a copy of your personal data in accordance with Section 4 of the Data Protection Acts subject to certain exceptions. To request a copy of your personal data please send a written request to the Compliance Officer, One Quote Financial Brokers, 11 James’s Terrace, Malahide, Co Dublin along with the prescribed fee of €6.35. Please note the following important requirements: a) Include your name and address; b) A description of specific personal data that is incorrect that you want rectified, if this is the case; c) If you request an erasure of your personal data all your data will be erased subject to the following important notice. We are not required to rectify or erase your data where to do so would prevent you from meeting your contractual obligations to us or where we are required to process (including retaining) your personal data for a lawful purpose in accordance with the Data Protection Acts. If you have opted in but later wish to be removed from our Direct Marketing Database, please follow the steps in outlined above under the heading giving Us Your Personal Data. One Quote trusts that you appreciate we respect your right to privacy and that our honesty and integrity mean that you will continue to trust us with your personal data, knowing that we will not use it for any inappropriate purpose.

Cookies

A cookie is a simple text file that is stored on your computer, or mobile, device by a website’s server and only that server will be able to retrieve, or read, the contents of that cookie. Each cookie is unique to your web browser. It will usually contain some anonymous information such as a unique identifier and the site name and some digits and numbers. You can visit the One Quote Website without revealing any information about yourself, including your email address. In this case, our web servers may collect the name of the domain you used to access the Internet and the website you came from and visit next. This information is used by us to measure the performance of the site and to generate other statistics about visitors to our web site in general. We may also use this data to make the site easier and more convenient to use.

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Contact Information

If you have any queries, please contact us by email at [email protected]