Terms of Business Statement
Brian Cleary & Associates Limited Registered Office at 29 Lower Salthill, Galway, (tel 091 525803) is registered to undertake insurance mediation as a Public Loss Assessor under the European Communities (Insurance Mediation) Regulations, 2005. A copy of our Statement of our Authorised Status is available on request. Alternatively, the Central Bank of Ireland holds registers of regulated firms which can be viewed on their website www.centralbank.ie. If any material changes are made to these terms we will notify you.
Brian Cleary & Associates Limited is Regulated by the Central Bank of Ireland Reg No.C45432
Brian Cleary & Associates Limited Registered Office at 29 Lower Salthill, Galway,
Tel: 091 525803 Mob: 086 2587074 Email: firstname.lastname@example.org
Brian Cleary & Associates Limited, Public Loss Assessors & Property Claim Consultants is subject to and complies with the Consumer Protection Code, the Minimum Competency Code and the Fitness and Probity Standards. These Codes offer protection to consumers and can be found on the Central Bank of Ireland website www.centralbank.ie
We offer Insurance claim consultancy and administration services
It is our policy to avoid any conflict of interest when providing business services to our clients. However, if an unavoidable conflict of interest arises we will advise you of this in writing before proceeding to provide any business service.
Brian Cleary & Associates Limited shall ensure that we:
- Act honestly and fairly in conduction our business activities in the best interest of our clients and the integrity of the market.
- Act with due skill care and diligence in the best interests of our clients.
- Have and employ effectively the resources that are necessary for the proper performance of our business activities.
- Make an adequate disclosure of relevant material information in our dealings with our clients.
- Comply with the letter & spirit of all regulatory requirements applicable to the conduct of our business activities so as to promote the best interests of our clients & the integrity of the market.
Brian Cleary & Associates Limited is remunerated by a professional fee for the work, activity and time spent in providing the best terms, advice and service for your specific needs. Our charges are based on a percentage of the settlement achieved and are agreed with you at the outset of our involvement.
We do not charge for the initial consultation. We reserve the right to amend fees should the complexity of the service require a higher fee. We will confirm and agree on this fee with you prior to any increased charge being applied. Please note assessors fees are not normally recoverable under your insurance policy.
We are members of the Investor Compensation Scheme established under Section 38 of the Investor Compensation Act 1998. The Act provides that compensation shall be paid to eligible investors (as defined in the Act) to the extent of 90% of an investors net loss or 20,000, whichever is the lesser and is recognised as being eligible for compensation.
It is the policy of Brian Cleary & Associates Limited to ensure that our customers’ complaints are dealt with expeditiously and problems are resolved as quickly as possible. We will acknowledge your complaint within 5 working days of a complaint being received and we will fully investigate it. On completion of our investigation, we will give you a written response to the outcome. If you are not satisfied with our handling of, or response to your complaint, you are entitled to refer the matter to the Financial Services Ombudsman Bureau at 3rd Floor Lincoln House, Lincoln Place, Dublin 2. Tel. 1890 882090.
A full copy of our complaints procedure is available on request.
Under the provisions of the Data Protection Act 1988 and 2003, Brian Cleary & Associates Limited will collect your personal details in order to provide the highest standard of service to you. We take great care with the information provided; taking steps to ensure it is only used for legitimate purposes. To fulfil these objectives, we may share information with other affiliated professionals. You have the right at any time to request a copy of any personal data within the meaning of the Data Protection Act that our office holds about you and to have any inaccuracies in that information corrected.
Brian Cleary & Associates Ltd holds professional indemnity Insurance in accordance with the Central Bank of Irelands’ requirements.
Our terms of business shall be governed by and construed in all respects according to the laws of the Republic of Ireland.
These Terms of Business are valid from January 2016 until further notice.