By providing us with your information, you consent to the collection, international transfer, storage, and processing of your information. This Terms of Business Agreement constitutes both your acceptance that we may do this and your prior request for us so to do. We may use legal public sources such as the electoral roll and other third party sources such as credit reference agencies to obtain information about you, for example to verify your identity or check your credit history. It is strongly recommended that the appropriate Professional e. You have now reached your trial delivery limit. We will keep your information for as long as it is required to enable us to provide quotations, administer your insurances, offer renewal and respond to any claims or complaints which may arise after the period of insurance has expired.
If a firm provides services relating to a CTF (except for a personal recommendation relating to a contribution to a CTF), the firm's client is a retail. products or to credit-related regulated activities) in accordance with COBS 1 R, a client who is neither a professional client or an eligible counterparty; or. ATC is required by the rules and guidance of the Financial Conduct Authority ( FCA Rules and the FCA) to categorise each of our clients as: a Retail Client.
If we are not acting as an agent of the insurer when we receive your premium, we shall hold it as client money in trust for you within a client bank account with an approved bank.
The FCA will conduct research and stakeholder eng All authorised firms are subject to a suitability obligation which means that they have to take reasonable steps to ensure that advice given through personal recommendations or decisions to trade are suitable for their clients.
Where you have provided your specific consent to the use of personal data, you may withdraw that consent by contacting us:. We may transfer your premiums to the insurer through another party, such as a broker or underwriting agent for the purposes of effecting a transaction.
COBS Retail clients FCA Handbook
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(which explains what retail clients and eligible counterparties are under the FCA rules) and FCA professional clients (which contains an explanation of what a. The scope of Castellain's FCA authorisation allows Castellain to deal only with certain (which are termed “retail clients” for the purposes of the FCA's rules).
We may collect, use and store sensitive personal information such as criminal convictions and medical conditions as necessary in relation to insurances such as motor, home, travel and health insurance.
Block transfers In respect of some classes of insurance we may operate block insurance arrangements in order to provide competitive terms.
In addition, we may charge an amount which reflects the administrative costs of arranging and cancelling the policy. The insurers we use are regulated and are required to have adequate capital resources.
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These transfers are governed by European Union EU standard contractual clauses or equivalent data transfer agreements to protect the security and confidentiality of personal information.
We collect personal information such as name, contact details, date of birth, gender, marital status, financial details, employment details and other personal details depending on the nature of the insurance and other services we offer.