Common use of OUR SERVICE TO YOU Clause in Contracts

OUR SERVICE TO YOU. We will act as an insurance broker to arrange and administer contracts of insurance on Your instructions. We provide advice and assistance in the arrangement and placing of General Insurance, Life & Pensions, Health Insurance, Investments and Mortgages. In addition, we provide insurance-related risk management advice and assistance in claims negotiation and settlement. As a Credit Intermediary, we can also arrange personal loans, e.g. premium finance. We will normally provide a personal recommendation to You on the basis of a fair and personal analysis of the market, as distinct from using only a single or limited number of insurance undertakings. This means we will research the market place, products and providers and recommend the best product to suit Your own needs. This research is on the basis of a sufficiently large number of products and providers available, in accordance with professional criteria, regarding which contract would be suitable to meet Your needs. We will identify, select and recommend a suitable product producer and on receipt of Your instructions, we will transmit orders on Your behalf to one or more product producers (a list of which is available on request). We do not have a ‘tied’ relationship with any institution that would compromise our ability to carry out this analysis. 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 reasonably be 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 providers 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 size of the customer order • the number of providers in the market that deal with brokers • the market share 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 • cost • any other relevant consideration Where Our service differs to this, either because We only consider one or a restricted number of insurers, or if We do not give You a personal recommendation about the insurance products offered (in which case You are responsible for ensuring that it is suitable for You), We will advise You accordingly and in the former case, We will provide You with the names of those insurers with which We conduct business. Limited analysis In certain circumstances, We may offer products with regulated insurers based on a limited analysis of the market. This limited analysis may occur where we operate a scheme product and the risk is eligible/suitable for same, or urgent cover may be required that does not facilitate a full market review. We also offer Health Insurance on a limited analysis of the market with Irish Life Health DAC. All scheme products are reviewed regularly to they remain fit for purpose. Where We have applied limited analysis, We will advise You accordingly. We will provide You with details of the cover effected on Your behalf, including the insurer(s) who are underwriting the risk, and will clarify the scope of the advice given and explain the reasons. This will be provided in a durable medium (which includes email, unless You tell Us otherwise). We will provide You with evidence of cover and all relevant documentation promptly after inception of a policy. On occasion, We may arrange insurance on Your behalf with insurers that have granted us a delegated underwriting authority. This authority may extend to the management of Your claims. We will notify You in the event We are acting under a delegated authority. Although Our letter/ report will set out key aspects of the cover, this is not intended to be a substitute to the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will use Our reasonable endeavours to place cover on Your behalf, but We do not guarantee to be able to do so. While We take care to ensure that the information contained on Our website is accurate and up to date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website. Where We offer an instalment facility to You in order to pay Your insurance premium by regular instalments, We do not offer advice in relation to this, but We may ask some questions to narrow down the selection of options available; You must make Your own choice on which option to accept. We only act as a credit broker when arranging instalment facilities on Your behalf, and not as a lender. We aim to treat You fairly and to meet the following outcomes in all Our dealings with You: • You can be confident that the fair treatment of customers is central to Our corporate culture. • The products and services that We have recommended to You and You have chosen are designed to meet Your insurance needs as far as reasonably possible. • We will provide You with clear information and keep You appropriately informed before, during and after the point of sale. • You will not face unreasonable post- sale barriers to submit a claim or make a complaint. • We will give You appropriate information about the products and services We recommend, including details of any costs or charges (if any) in addition to Your premiums. Sustainability factors – Investment/IBIPs/pension advice When providing You advice on which Insurance Based Investment Product (IBIP) is most suitable to meet Your needs, We are required under the Sustainable Finance Disclosure Regulations, 2019 to notify You that We do not currently consider sustainability risks, such as environmental, social, and governance, when providing the advice. We will review this position on an annual basis and update our Terms of Business accordingly. The IBIP provider’s documentation will set out whether and how they consider such sustainability risks and this documentation should be read carefully.

OUR SERVICE TO YOU. We will act as an insurance broker to arrange and administer contracts of insurance on Your your instructions. We provide advice and assistance in the arrangement and placing of General Insurance, Life & Pensions, Health Insurance, Investments and Mortgages. In addition, we provide insurance-insurance related risk management advice and assistance in claims negotiation and settlement. As a Credit Intermediary, we can also arrange personal loans, e.g. premium finance. We will normally provide a personal recommendation to You on the basis of a fair and personal analysis of the market, as distinct from using only a single or limited number of insurance undertakings. undertakings This means we will research the market place, products and providers and recommend the best product to suit Your your own needs. This research is on the basis of a sufficiently large number of products and providers available, in accordance with professional criteria, regarding which contract would be suitable to meet Your your needs. We will identify, select and recommend a suitable product producer and on receipt of Your your instructions, we will transmit orders on Your your behalf to one or more product producers (a list of which is available on request). We do not have a ‘“tied’ ” relationship with any institution that would compromise our ability to carry out this analysis. 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 reasonably be 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 providers is sufficiently large to constitute a fair and personal analysis of the market, we will consider the following criteria: • the needs of the customer customer, • the size of the customer order order, • the number of providers in the market that deal with brokers brokers, • the market share of each of those providers providers, • the number of relevant products available from each provider provider, • the availability of information about the products products, • the quality of the product and service provided by the provider provider, • cost cost, and • any other relevant consideration consideration. Where Our service differs to this, either because We only consider one or a restricted number of insurers, or if We do not give You a personal recommendation about 1about the insurance products offered (in which case You are responsible for ensuring that it is suitable for You), We will advise You accordingly and in the former case, We will provide You with the names of those insurers with which We conduct business. Limited analysis Analysis In certain circumstances, We may offer products with regulated insurers based on a limited analysis of the market. This limited analysis may occur where we operate a scheme product and the risk is eligible/eligible/ suitable for same, or urgent cover may be required that does not facilitate a full market review. We also offer Health Insurance on a limited analysis of the market with Irish Life Health DAC. All scheme products are reviewed regularly to they remain fit for purpose. Where We have applied limited analysis, We will advise You accordingly. We will provide You with details of the cover effected on Your behalf, including the insurer(s) who are underwriting the risk, and will clarify the scope of the advice given and explain the reasons. This will be provided in a durable medium (which includes email, unless You tell Us otherwise). We will provide You with evidence of cover and all relevant documentation promptly after inception of a policy. On occasion, We may arrange insurance on Your behalf with insurers that have granted us a delegated underwriting authority. This authority may extend to the management of Your claims. We will notify You in the event We are acting under a delegated authority. Although Our letter/ report will set out key aspects of the cover, this is not intended to be a substitute to the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will use Our reasonable endeavours to place cover on Your behalf, but We do not guarantee to be able to do so. While We take care to ensure that the information contained on Our website is accurate and up to date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website. Where We offer an instalment facility to You in order to pay Your insurance premium by regular instalments, We do not offer advice in relation to this, but We may ask some questions to narrow down the selection of options available; You must make Your own choice on which option to accept. We only act as a credit broker when arranging instalment facilities on Your behalf, and not as a lender. We aim to treat You fairly and to meet the following outcomes in all Our dealings with You: • You can be confident that the fair treatment of customers is central to Our corporate culture. • The products and services that We have recommended to You and You have chosen are designed to meet Your insurance needs as far as reasonably possible. • We will provide You with clear information and keep You appropriately informed before, during and after the point of sale. • You will not face unreasonable post- sale barriers to submit a claim or make a complaint. • We will give You appropriate information about the products and services We recommend, including details of any costs or charges (if any) in addition to Your premiums. Sustainability factors – Investment/IBIPs/pension advice When providing You advice on which Insurance Based Investment Product (IBIP) is most suitable to meet Your needs, We are required under the Sustainable Finance Disclosure Regulations, 2019 to notify You that We do not currently consider sustainability risks, such as environmental, social, and governance, when providing the advice. We will review this position on an annual basis and update our Terms of Business accordingly. The IBIP provider’s documentation will set out whether and how they consider such sustainability risks and this documentation should be read carefully.on

OUR SERVICE TO YOU. We will act as an insurance broker to arrange and administer contracts of insurance on Your your instructions. We provide advice and assistance in the arrangement and placing of General Insurance, Life & Pensions, Health Insurance, Investments and Mortgages. In addition, we provide insurance-insurance related risk management advice and assistance in claims negotiation and settlement. As a Credit Intermediary, we can also arrange personal loans, e.g. premium finance. We will normally provide a personal recommendation to You on the basis of a fair and personal analysis of the market, as distinct from using only a single or limited number of insurance undertakings. undertakings This means we will research the market place, products and providers and recommend the best product to suit Your your own needs. This research is on the basis of a sufficiently large number of products and providers available, in accordance with professional criteria, regarding which contract would be suitable to meet Your your needs. We will identify, select and recommend a suitable product producer and on receipt of Your your instructions, we will transmit orders on Your your behalf to one or more product producers (a list of which is available on request). We do not have a ‘tied’ “tied‟ relationship with any institution that would compromise our ability to carry out this analysis. 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 reasonably be 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 providers 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 size of the customer order • the number of providers in the market that deal with brokers • the market share 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 • cost • any other relevant consideration Where Our service differs to this, either because We only consider one or a restricted number of insurers, or if We do not give You a personal recommendation about the insurance products offered (in which case You are responsible for ensuring that it is suitable for You), We will advise You accordingly and in the former case, We will provide You with the names of those insurers with which We conduct business. Limited analysis In certain circumstances, We may offer products with regulated insurers based on a limited analysis of the market. This limited analysis may occur where we operate a scheme product and the risk is eligible/suitable for same, or urgent cover may be required that does not facilitate a full market review. We also offer Health Insurance on a limited analysis of the market with Irish Life Health DAC. All scheme products are reviewed regularly to they remain fit for purpose. Where We have applied limited analysis, We will advise You accordingly. We will provide You with details of the cover effected on Your behalf, including the insurer(s) who are underwriting the risk, and will clarify the scope of the advice given and explain the reasons. This will be provided in a durable medium (which includes email, unless You tell Us otherwise). We will provide You with evidence of cover and all relevant documentation promptly after inception of a policy. On occasion, We may arrange insurance on Your behalf with insurers that have granted us a delegated underwriting authority. This authority may extend to the management of Your claims. We will notify You in the event We are acting under a delegated authority. Although Our letter/ report will set out key aspects of the cover, this is not intended to be a substitute to the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will use Our reasonable endeavours to place cover on Your behalf, but We do not guarantee to be able to do so. While We take care to ensure that the information contained on Our website is accurate and up to date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website. Where We offer an instalment facility to You in order to pay Your insurance premium by regular instalments, We do not offer advice in relation to this, but We may ask some questions to narrow down the selection of options available; You must make Your own choice on which option to accept. We only act as a credit broker when arranging instalment facilities on Your behalf, and not as a lender. We aim to treat You fairly and to meet the following outcomes in all Our dealings with You: • You can be confident that the fair treatment of customers is central to Our corporate culture. • The products and services that We have recommended to You and You have chosen are designed to meet Your insurance needs as far as reasonably possible. • We will provide You with clear information and keep You appropriately informed before, during and after the point of sale. • You will not face unreasonable post- sale barriers to submit a claim or make a complaint. • We will give You appropriate information about the products and services We recommend, including details of any costs or charges (if any) in addition to Your premiums. Sustainability factors – Investment/IBIPs/pension advice When providing You advice on which Insurance Based Investment Product (IBIP) is most suitable to meet Your needs, We are required under the Sustainable Finance Disclosure Regulations, 2019 to notify You that We do not currently consider sustainability risks, such as environmental, social, and governance, when providing the advice. We will review this position on an annual basis and update our Terms of Business accordingly. The IBIP provider’s documentation will set out whether and how they consider such sustainability risks and this documentation should be read carefully.Analysis

OUR SERVICE TO YOU. We will act as an insurance broker to arrange and administer contracts of insurance on Your your instructions. We provide advice and assistance in the arrangement and placing of General Insurance, Life & Pensions, Health Insurance, Investments and Mortgages. In addition, we provide insurance-insurance related risk management advice and assistance in claims negotiation and settlement. As a Credit Intermediary, we can also arrange personal loans, e.g. premium finance. We will normally provide a personal recommendation to You on the basis of a fair and personal analysis of the market, as distinct from using only a single or limited number of insurance undertakings. undertakings This means we will research the market place, products and providers and recommend the best product to suit Your your own needs. This research is on the basis of a sufficiently large number of products and providers available, in accordance with professional criteria, regarding which contract would be suitable to meet Your your needs. We will identify, select and recommend a suitable product producer and on receipt of Your your instructions, we will transmit orders on Your your behalf to one or more product producers (a list of which is available on request). We do not have a ‘tied’ “tied‟ relationship with any institution that would compromise our ability to carry out this analysis. 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 reasonably be 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 providers is sufficiently large to constitute a fair and personal analysis of the market, we will consider the following criteria: • the needs of the customer customer, • the size of the customer order order, • the number of providers in the market that deal with brokers brokers, • the market share of each of those providers providers, • the number of relevant products available from each provider provider, • the availability of information about the products products, • the quality of the product and service provided by the provider provider, • cost cost, and • any other relevant consideration consideration. Where Our service differs to this, either because We only consider one or a restricted number of insurers, or if We do not give You a personal recommendation about 1about the insurance products offered (in which case You are responsible for ensuring that it is suitable for You), We will advise You accordingly and in the former case, We will provide You with the names of those insurers with which We conduct business. Limited analysis Analysis In certain circumstances, We may offer products with regulated insurers based on a limited analysis of the market. This limited analysis may occur where we operate a scheme product and the risk is eligible/suitable for same, or urgent cover may be required that does not facilitate a full market review. We also offer Health Insurance on a limited analysis of the market with Irish Life Health DAC. All scheme products are reviewed regularly to they remain fit for purpose. Where We have applied limited analysis, We will advise You accordingly. We will provide You you with details of the cover effected on Your behalf, including the insurer(s) who are underwriting the risk, and will clarify the scope of the advice given and explain the reasons. This will be provided in a durable medium (which includes email, unless You tell Us otherwise). We will provide You with evidence of cover and all relevant documentation promptly after inception of a policy. On occasion, We may arrange insurance on Your behalf with insurers that have granted us a delegated underwriting authority. This authority may extend to the management of Your claims. We will notify You in the event We are acting under a delegated authority. Although Our letter/ report will set out key aspects of the cover, this is not intended to be a substitute to the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will use Our reasonable best endeavours to place cover on Your behalf, but We do not guarantee to be able to do so. While We we take care to ensure that the information contained on Our website is accurate and up to date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website. Where We offer an instalment facility to You in order to pay Your insurance premium by regular instalments, We do not offer advice in relation to this, but We may ask some questions to narrow down the selection of options available; You must make Your own choice on which option to accept. We only act as a credit broker when arranging instalment facilities on Your behalf, and not as a lender. We aim to treat You fairly and to meet the following outcomes in all Our dealings with You: • You can be confident that the fair treatment of customers is central to Our corporate culture. • The products and services that We have recommended to You and You have chosen are designed to meet Your insurance needs as far as reasonably possible. • We will provide You with clear information and keep You appropriately informed before, during and after the point of sale. • You will not face unreasonable post- post-sale barriers to submit a claim or make a complaint. • We will give You appropriate information about the products and services We recommend, including details of any costs or charges (if any) in addition to Your premiums. Sustainability factors – Investment/IBIPs/pension advice When providing You advice on which Insurance Based Investment Product (IBIP) is most suitable to meet Your needs, We are required under the Sustainable Finance Disclosure Regulations, 2019 to notify You that We do not currently consider sustainability risks, such as environmental, social, and governance, when providing the advice. We will review this position on an annual basis and update our Terms of Business accordingly. The IBIP provider’s documentation will set out whether and how they consider such sustainability risks and this documentation should be read carefully.

OUR SERVICE TO YOU. We will act as an insurance broker to arrange and administer contracts of insurance on Your your instructions. We provide advice and assistance in the arrangement and placing of General Insurance, Life & Pensions, Health Insurance, Investments and Mortgages. In addition, we provide insurance-insurance related risk management advice and assistance in claims negotiation and settlement. As a Credit Intermediary, we can also arrange personal loans, e.g. premium finance. We will normally provide a personal recommendation to You on the basis of a fair and personal analysis of the market, as distinct from using only a single or limited number of insurance undertakings. undertakings This means we will research the market place, products and providers and recommend the best product to suit Your your own needs. This research is on the basis of a sufficiently large number of products and providers available, in accordance with professional criteria, regarding which contract would be suitable to meet Your your needs. We will identify, select and recommend a suitable product producer and on receipt of Your your instructions, we will transmit orders on Your your behalf to one or more product producers (a list of which is available on request). We do not have a ‘“tied’ ” relationship with any institution that would compromise our ability to carry out this analysis. 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 reasonably be 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 providers is sufficiently large to constitute a fair and personal analysis of the market, we will consider the following criteria: • the needs of the customer customer, • the size of the customer order order, • the number of providers in the market that deal with brokers brokers, • the market share of each of those providers providers, • the number of relevant products available from each provider provider, • the availability of information about the products products, • the quality of the product and service provided by the provider provider, • cost cost, and • any other relevant consideration consideration. Where Our service differs to this, either because We only consider one or a restricted number of insurers, or if We do not give You a personal recommendation about the insurance products offered (in which case You are responsible for ensuring that it is suitable for You), We will advise You accordingly and in the former case, We will provide You with the names of those insurers with which We conduct business. Limited analysis In certain circumstances, We may offer products with regulated insurers based on a limited analysis of the market. This limited analysis may occur where we operate a scheme product and the risk is eligible/suitable for same, or urgent cover may be required that does not facilitate a full market review. We also offer Health Insurance on a limited analysis of the market with Irish Life Health DAC. All scheme products are reviewed regularly to they remain fit for purpose. Where We have applied limited analysis, We will advise You accordingly. We will provide You with details of the cover effected on Your behalf, including the insurer(s) who are underwriting the risk, and will clarify the scope of the advice given and explain the reasons. This will be provided in a durable medium (which includes email, unless You tell Us otherwise). We will provide You with evidence of cover and all relevant documentation promptly after inception of a policy. On occasion, We may arrange insurance on Your behalf with insurers that have granted us a delegated underwriting authority. This authority may extend to the management of Your claims. We will notify You in the event We are acting under a delegated authority. Although Our letter/ report will set out key aspects of the cover, this is not intended to be a substitute to the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will use Our reasonable endeavours to place cover on Your behalf, but We do not guarantee to be able to do so. While We take care to ensure that the information contained on Our website is accurate and up to date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website. Where We offer an instalment facility to You in order to pay Your insurance premium by regular instalments, We do not offer advice in relation to this, but We may ask some questions to narrow down the selection of options available; You must make Your own choice on which option to accept. We only act as a credit broker when arranging instalment facilities on Your behalf, and not as a lender. We aim to treat You fairly and to meet the following outcomes in all Our dealings with You: • You can be confident that the fair treatment of customers is central to Our corporate culture. • The products and services that We have recommended to You and You have chosen are designed to meet Your insurance needs as far as reasonably possible. • We will provide You with clear information and keep You appropriately informed before, during and after the point of sale. • You will not face unreasonable post- sale barriers to submit a claim or make a complaint. • We will give You appropriate information about the products and services We recommend, including details of any costs or charges (if any) in addition to Your premiums. Sustainability factors – Investment/IBIPs/pension advice When providing You advice on which Insurance Based Investment Product (IBIP) is most suitable to meet Your needs, We are required under the Sustainable Finance Disclosure Regulations, 2019 to notify You that We do not currently consider sustainability risks, such as environmental, social, and governance, when providing the advice. We will review this position on an annual basis and update our Terms of Business accordingly. The IBIP provider’s documentation will set out whether and how they consider such sustainability risks and this documentation should be read carefully.Analysis

OUR SERVICE TO YOU. We will act as an insurance broker to arrange and administer contracts of insurance on Your your instructions. We provide advice and assistance in the arrangement and placing of General Insurance, Life & Pensions, Health Insurance, Investments and Mortgages. In addition, we provide insurance-insurance related risk management advice and assistance in claims negotiation and settlement. As a Credit Intermediary, we can also arrange personal loans, e.g. premium finance. We will normally provide a personal recommendation to You on the basis of a fair and personal analysis of the market, as distinct from using only a single or limited number of insurance undertakings. undertakings This means we will research the market place, products and providers and recommend the best product to suit Your your own needs. This research is on the basis of a sufficiently large number of products and providers available, in accordance with professional criteria, regarding which contract would be suitable to meet Your your needs. We will identify, select and recommend a suitable product producer and on receipt of Your your instructions, we will transmit orders on Your your behalf to one or more product producers (a list of which is available on request). We do not have a ‘tied’ “tied‟ relationship with any institution that would compromise our ability to carry out this analysis. 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 reasonably be 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 providers 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 size of the customer order • the number of providers in the market that deal with brokers • the market share 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 • cost • any other relevant consideration Where Our service differs to this, either because We only consider one or a restricted number of insurers, or if We do not give You a personal recommendation about the insurance products offered (in which case You are responsible for ensuring that it is suitable for You), We will advise You accordingly and in the former case, We will provide You with the names of those insurers with which We conduct business. Limited analysis Analysis In certain circumstances, We may offer products with regulated insurers based on a limited analysis of the market. This limited analysis may occur where we operate a scheme product and the risk is eligible/suitable for same, or urgent cover may be required that does not facilitate a full market review. We also offer Health Insurance on a limited analysis of the market with Irish Life Health DAC. All scheme products are reviewed regularly to they remain fit for purpose. Where We have applied limited analysis, We will advise You accordingly. We will provide You with details of the cover effected on Your behalf, including the insurer(s) who are underwriting the risk, and will clarify the scope of the advice given and explain the reasons. This will be provided in a durable medium (which includes email, unless You tell Us otherwise). We will provide You with evidence of cover and all relevant documentation promptly after inception of a policy. On occasion, We may arrange insurance on Your behalf with insurers that have granted us a delegated underwriting authority. This authority may extend to the management of Your claims. We will notify You in the event We are acting under a delegated authority. Although Our letter/ report will set out key aspects of the cover, this is not intended to be a substitute to the insurer(s) policy wording, which will take precedence in setting out the terms of the cover. We will use Our reasonable endeavours to place cover on Your behalf, but We do not guarantee to be able to do so. While We take care to ensure that the information contained on Our website is accurate and up to date, We give You no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on Our website. Where We offer an instalment facility to You in order to pay Your insurance premium by regular instalments, We do not offer advice in relation to this, but We may ask some questions to narrow down the selection of options available; You must make Your own choice on which option to accept. We only act as a credit broker when arranging instalment facilities on Your behalf, and not as a lender. We aim to treat You fairly and to meet the following outcomes in all Our dealings with You: • You can be confident that the fair treatment of customers is central to Our corporate culture. • The products and services that We have recommended to You and You have chosen are designed to meet Your insurance needs as far as reasonably possible. • We will provide You with clear information and keep You appropriately informed before, during and after the point of sale. • You will not face unreasonable post- sale barriers to submit a claim or make a complaint. • We will give You appropriate information about the products and services We recommend, including details of any costs or charges (if any) in addition to Your premiums. Sustainability factors – Investment/IBIPs/pension advice When providing You advice on which Insurance Based Investment Product (IBIP) is most suitable to meet Your needs, We are required under the Sustainable Finance Disclosure Regulations, 2019 to notify You that We do not currently consider sustainability risks, such as environmental, social, and governance, when providing the advice. We will review this position on an annual basis and update our Terms of Business accordingly. The IBIP provider’s documentation will set out whether and how they consider such sustainability risks and this documentation should be read carefully.Health