Simple Financial Solutions Ltd. trading as Simple Financial Solutions is authorised to act as a Multi-Agency Intermediary under the Investment Intermediaries Act 1995. It is regulated by the Irish Financial Services Regulatory Authority and a copy of the Statement of Authorised Status is enclosed.

The company trades as Simple Financial Solutions and has offices at:

The Crescent Building, Northwood,
Santry,
Maynooth,
Dublin 9

The contact details for the company are:

Telephone: 01-6510323
Facsimile: 01-6510324
E-mail: info@simplefinancial.ie
Web: www.simplefinancial.ie
Directors: Mr. David Redmond & Mr. Ken Murray

The range of services that Simple Financial Solutions Ltd. provides are intended to give investment advice based on the products offered by the product producers from whom a written letter of appointment is held. A list of the product producers with which Simple Financial Solutions Ltd. holds an agency appointment is attached.

We are authorised to provide investment advice on a broad basis. Included in the advice offered is:

  • Life Assurance - Level, Convertible & Decreasing Term, Income Protection
  • Serious Illness
  • Permanent Health Insurance
  • Savings
  • Investments
  • Pensions

Simple Financial Solutions Ltd. is paid a commission on business placed with each product provider it holds an appointment with. This payment is taken into account in the quotation provided to you and summary information is contained in the product information document. Before completion of your application it is important that you receive this information and that you understand the details contained. Full details will be included in the cooling-off letter issued by the product provider.

Simple Financial Solutions Ltd. may also opt to charge a fee in certain circumstances. If this occurs, Simple Financial Solutions Ltd. makes a full rebate of commission in order that the customer is not prejudiced in any way. The fee in question will be confirmed in writing prior to the completion of any business.

It is our policy to avoid any conflict of interest when providing a service to our clients. Where an unavoidable conflict of interest arises, Simple Financial Solutions Ltd. will make the customer immediately aware of the situation. However, it is the stated aim of Simple Financial Solutions Ltd. not to engage in any conflict of interest. At all times Simple Financial Solutions Ltd. endeavours to act to the best advantage of its customers in recommending the most suitable solution to each individual need.

Should a customer default on a payment due to Simple Financial Solutions Ltd, the legal right of the company to pursue such payment will be exercised. Reimbursement will be sought for all payments made to insurers on behalf of clients where the firm has acted in good faith in renewing a policy of insurance for the client.

Simple Financial Solutions Ltd. contributes to the Investor Compensation Scheme. This provides payments to customers where a member firm defaults and the main conditions of the operation of the scheme are available on request.

Any monies paid directly to Simple Financial Solutions Ltd. are placed in a 'Client Premium Account' and transmitted to the relevant product provider.

A product provider may withdraw benefits on a policy where non-payment occurs. Details of such circumstances are contained in the policy terms and conditions of the product provider and issued to each client.

Any complaint made to Simple Financial Solutions Ltd. is recorded and acknowledged to the complainant within a 14-day period. The outcome of any complaint will be communicated also in writing, within 7 days of completed investigations. Should the complaint take time to resolve, Simple Financial

Solutions Ltd. will keep the complainant informed on a regular basis of all progress being made.

**If, at the end of 4 months, the original complaint remains unresolved, the complainant will be notified of the right to refer the matter to the Irish Financial Services Regulatory Authority.

Simple Financial Solutions currently hold agencies with:

  • Irish Life Plc. New Ireland assurance co. Hibernian Life & Pensions.
  • Eagle Star. Standard Life. Canada Life.
  • Caledonian Life. Friends First. Liberty Asset Management
  • O'Reagan Finance

These Terms of Business are valid from 2005-10-11 until further notice.

Simple financial solutions ltd t/a Simple financial solutions is authorised by the Irish central bank.

Simple Financial Solutions
The Crescent building, Northwood,
Santry, Dublin, Ireland

Tel: 01-6510323 | enquiries@simplefinancial.ie | Web Design Dublin