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Terms of Business

 

 

Gerard Bruen t/a Bruen Brothers & co

society street, Ballinasloe , CO. Galway.

 

PHONE: 090 9643320   FAX: 090 9643348   E-MAIL: insure@bruenbros.ie WWW.bruenbros.com

 

 

TERMS OF BUSINESS

 

IMPORTANT NOTICE

Please note that by proceeding with your policy with Gerard Bruen T/a Bruen Brothers & Co. you are agreeing to the terms as laid out in this Terms of business Document.

 

ABOUT US

Gerard Bruen t/a Bruen Brothers& co.(hereinafter referred to Bruen Brothers & co. )  is an insurance broker and an Investment Product Intermediary  and is regulated by the Central Bank of Ireland.

The Firm is also authorized by the National Consumer Agency as a Credit Intermediary in respect of raising premium finance on insurance related products. We arrange cover and provide broad based advice on a fair analysis of the market depending on the product type and/or the market available to us. We receive and transmit orders on your behalf on non-life and life insurance policies. We will identify and select a suitable product producer on receipt of your instructions and will transmit orders to the product producer. Bruen Brothers & co. does not have any ‘Tied’ relationships with any institution that would compromise our ability to offer you impartial advice and choice. Bruen Brothers & co is a member of the Irish Brokers Association (IBA) and Brokerline Direct (BLD). We comply with the Consumer Protection code as set out by the Central Bank of Ireland, details of which can be found on www.centralbank.ie. Copies of our various authorizations are available on request.

 

Bruen Brothers have enlisted the services of Joe Bruen QFA/FLIA/BBS/MSc on a consultancy basis to advise clients in the areas of life assurance, pensions, investments, deposits, critical illness and income protection. Clients will remain as active clients of Gerard Bruen t/a Bruen Brothers & Co., Society Street, Ballinasloe

 

INVESTOR COMPENSATION COMPANY LTD. (ICCL)

 Bruen Brothers and co is a member of the investor compensation scheme established under the investor compensation act 1998. This legislation provides for establishment of a compensation scheme and to payment, in certain circumstances, of compensation to clients or firms covered by the act. However, you should be aware that a right to compensation will only arise where money or investment instruments held by Bruen Brothers  on your behalf cannot be returned either for the time being or for the foreseeable future and where the clients falls within the definition of eligible investors as contained in that act. In the event that a right of 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. In addition to the compensation available under the ‘investor compensation act 1998’, the firm is bonded through its membership of the IBA for up to a maximum of €100,000 per client or €250,000 in aggregate

 

DISCLOSURE OF INFORMATION

Any failure to disclose any relevant information to Bruen Brothers & co, either when making the application or subsequently, may render your insurance cover void.

 

Quotations

All quotes are indicative only.The actual premium can only be confirmed upon receipt of a completed proposal statement of fact and relevant supporting documentation as requested

 

 

Statutory Codes:The Firm is subject and complies with the Consumer Protection Code and the fitness and probity standards as laid down by the Central Bank

 

 

 

 

 

 

 

 

 

 

 

REMUNERATION POLICY

Bruen Brothers & co. is remunerated by both commission and fees. You do have the option of paying fee only Our minimum handling fee is €40 on all policies. We reserve the right to charge this fee in respect of any mid-term alteration to your policy. We further reserve the right to charge a higher fee on occasion depending on the policy type, complexity and time expended. Normally this will range from 3% to 25% of the policy premium. In all cases we will clearly state the fee charged on our invoice to you. These fees include the cost incurred by us during the year in handling your policy, including researching and sourcing suitable covers, general queries, claims handling, policy alterations, compliance issues, attending meetings and administration costs. Where we have purchased the insurance on your behalf from another intermediary, we will disclose any fee charged by that intermediary. In the event of a policy cancellation or alteration resulting in a return premium becoming due to you, we will charge a fee  as set out above.Premium payments made by credit card incur a handling charge of 2%.This does not apply to payment by debit laser cards. A schedule of our fees and commissions are available on request and are displayed in our office.

 

DATA PROTECTION

We collect your personal details in order to provide the highest standards of service to you. We take great care with the information provided; taking steps to keep it secure and ensure it is used only for legitimate purposes. To fulfill these objectives we may share information with other affiliated professionals. The information and other data provided to our office may be used to advise you of products and services we may offer from time to time. You have the right at any time to request a copy of any ’personal data’ within the meaning of the Data Protection Act 1998 (as amended or re-enacted thereafter) that our office holds about you and to have any inaccuracies in the information corrected.

 

DEFAULTS BY THE CONSUMER

Failure to make premium payments in a timely manner may result in the lapse or cancellation of your policy. Where payment is made via an instalment plan please ensure that you have read the terms and conditions of the instalment agreement. Most installment plans run on a rollover basis. Where you have entered into a credit agreement with Premium Credit or Close Premium Finance please be aware that they are a separate entity to our insurance providers. Failure to maintain the agreed repayments schedule may result in cancellation of your insurance premium. . Your insurer may also cancel your policy in certain circumstances. .These conditions are clearly outlined in your policy document

 

 

RECEIPTS

The firm will accept payments in cash, credit card/laser and by cheque in respect of all classes of insurance in the circumstances permitted under section 25G of the ‘Investment Intermediaries Act 1995’. A receipt will be issued for each payment received. This is required pursuant to section 30 of the ‘Investment Intermediaries Act 1995’. Under Central Bank legislation strict rules apply in the payment of premium to Insurance companies. We will not be able to pay premiums to Insurers which have not been received from clients

 

 

CONFLICTS OF INTEREST

Bruen Brothers and co wish to avoid any conflict of interest when providing products and services to its clients. Sometimes however an unavoidable conflict may arise. If such conflict arises, we will write to you outlining the nature of the conflict.

 

COMPLAINTS

Bruen Brothers and co will acknowledge all written complaints within 5 business days of receipt. Any complaints should be addressed to the office manager or managing director. Updates will be issued in writing in intervals not greater than 20 business days. The complaint will be fully investigated and we will try to resolve all complaints within 40 business days. We will furnish you with our findings within 5 business days of completing the investigation. If satisfaction is not reached thereafter regarding the complaint, contact may be made with any of the following:-

 

Irish Brokers Association                  Financial Services Ombudsman                     Central Bank of Ireland     

87 Merrion Square,                             3rd Floor, Lincoln House,                                   PO. Box 559,                                                        

Dublin 2,                                                Lincoln Place,                                                      Dame Street,

Phone: +353 1 661 3067                   Dublin 2                                                                 Dublin 2.

Fax: +353 1 661 9955                         Lo Call: 1890 88 20 90                                       Phone: +353 1 2246000

E-Mail: info@irishbrokers.ie              Phone: +353 1 6620899                                    Fax: +353 1 6716561                                                                                                              Fax: +353 1 6620890                                      E-Mail: enquiries@centralbank.ie

 

                                                                t.o.b.        Dated Dec. 2, 11                                                                                                                    


 

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