Private Medical Insurance Advisers Ltd
Terms of Business
These terms of business should be read in conjunction
with the Key Facts about our services document (if one
has been issued to you), Together these documents
provide important information about these services and
the way that we,
Private Medical Insurance Advisers Ltd (referred to in these terms
of business as “we”
“us” as the
context requires) provide services to you, the client.
Private Medical Insurance Advisers Ltd.,
of 3, Halcyon Drive Thruxton Nr Andover Hampshire SP11
8NA is authorised and regulated by the Financial
Services Authority (“FSA”).
The FSA registration number of PMI Advisers Ltd is
524748.
1.1
Methods of
Communication
You agree that you may communicate
with us, and we may communicate with you, via telephone
(mobile or otherwise including SMS), post, email or fax.
For these purposes, our contact details are as follows.
By Writing: 3 Halcyon Drive Thruxton Andover Hampshire SP11 8NA.
By Telephone:
01264 771 846
By Fax: 01264 771 826 By Email: office@pmiadviser.co.uk
1.2
Our Services
Full
details of the products we recommend to you including,
for example, the minimum duration of the product,
information on the right to cancel or whether no right
to cancel arises, and any other early termination rights
and penalties, will be covered in the relevant product
disclosure information. This will be supplied to you
before you conclude any contract.
Any products we have arranged for you will not be kept
under review, however, we will do so if you specifically
request this as part of any advisory services provided
by us to you.
We confirm that Private Medical Insurance Advisers Ltd, maintains Professional Indemnity Insurance with regard to advice provided to you by PMI Advisers Ltd in respect of any of the following products: Private Medical Insurance, general insurance
1.3
Client money
We will not accept client money other than in respect of
fees payable to us, for which you will receive an
invoice.
1.4
Information provided by you
It is your responsibility to
provide complete and accurate information to us, or any
provider, at every stage of the relationship.
It is important that you ensure
all statements that you make to us or any provider, are
true and accurate and that you fully disclose all
material information when requested to do so.
1.5
Conflicts of
interest
Circumstances can arise where we, PMI Advisers Ltd or
one of our other clients has an interest in business
being transacted for you. If this happens, or we become
aware that our interests, or those of one of our other
clients, conflict with your interests, we will write to
you and obtain your consent before we carry out your
instructions, and detail the steps we will take to
ensure fair treatment.
1.6 Data protection
You can be assured that we will keep all of your
personal information private and confidential, even when
you are no longer a client, except where disclosure is
made at your request or with your consent, in accordance
with these terms of business or where the terms of the
Express Consent Form apply.
We cannot be held responsible for the information
held on your file becoming inaccurate due to a change in
your circumstances if you fail to inform
us
of such changes.
The “Data Controller” for the purposes of the Data
Protection Act 1988 (“DPA”)
is Private
Medical Insurance Advisers Ltd. PMI Advisers Ltd
will process your personal data to provide you with
advice, to progress any application you may choose to
make with a product provider, to comply with any
regulatory requirement of either PMI Advisers Ltd or the
FSA. Under the terms of the DPA you have the right to
view any personal data we may store in relation to you.
A small charge will be made for providing you with this
data. Please write to us in the first instance outlining
your request. Our address is specified in section 1.1 of
these terms of business.
You acknowledge and accept the
following with regard to the storage and processing of
your personal data:
1.6.1
Your
personal data
will be stored
by Private Medical Insurance Advisers Ltd and this data
will be held on paper files, and/or computer files for
the following periods:
(a)
5
years: or
(b)
if
longer than 5 years, the duration of our relationship
with you the client:
1.6.2
In
the course of providing you with advice and/or to ensure
PMI Advisers Ltd meet their respective obligations to
the FSA regarding the monitoring of the standard of the
advice provided to you, some or all of your personal
data may be disclosed to
(a) product providers, (b) regulators (such as the FSA
or the Financial Ombudsman) (c) compliance consultants
(d) and our professional advisers and consultants, as
and when necessary. Such data will be disclosed on a
confidential basis and in accordance with the DPA to any
such third parties.
1.6.3
In
the unlikely event that Private Medical Insurance
Advisers Ltd is unable to provide services to you and a
locum adviser (“Locum”)
is engaged to cover such absence to maintain the
provision of advice to you your personal data will be
passed to and processed by the Locum.
1.7
Amendment and
termination
We reserve the right to amend these terms of business
without your consent. In this event, we will notify you
in advance of any changes.
Either party has the right to terminate our relationship
at any time without penalty. Notice of this termination
should be provided in writing,
as this will ensure that no confusion arises between us.
We will however, accept oral instructions, which we will
then confirm to you in writing. Written instructions to
terminate our business relationship may be given to us
at any time by either party,
however where we have undertaken work on your behalf for
which a fee is due, we reserve the right to charge you
that fee. Termination will not effect any transactions
we have already arranged for you, or are in the process
of arranging.
Terms of Business Sept 2010