Totally Insured Group
4a Abbey Walk
Church Street
Romsey
Hampshire SO51 8JQ
Tel : 0870 240 8891
Please read this document carefully and query anything that is unclear. This is an important document as it
sets
out our Terms and Conditions.
Any advice or recommendation that we offer to you, will be based on your stated objectives, circumstances and take
into account any restrictions that you wish to place on the type of products you would be willing to consider.
With very few exceptions, we will confirm to you in writing the basis of our reason for recommending the products
arranged on your behalf.
Your stated objectives will be reiterated in the Suitability Letter, which we will issue to you following our
recommendation, along with details of any special risks associated with the product recommended. Unless confirmed
in writing, to the contrary, we will assume that you do not wish to place any restrictions on the advice we give you.
1. Your Objectives
We do not offer a review service with the aim of making you aware of any shortfall that you may have within your
Mortgage, Protection, and General Insurance provisions and we will not detail any recommendations to you.
Full details of the products we may 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 you will receive before conclusion of any
contract.
Any products we have arranged for you, will not be kept under review but we will advise you upon your request.
However, we may contact you in the future by means of an unsolicited promotion (by telephone or post)
should we wish to discuss the relative merits of a particular product or service which we feel may be of
interest to you.
Totally Insured Group IS NOT permitted to handle client money AND we cannot accept a cheque made out to
us (unless it is in respect of an item for which we have sent you an invoice) or handle cash.
There is no additional cost to you for using a means of distance communication.
2. Rights to Cancel
We will inform you of your rights to cancel or withdraw from a contract with a product provider, before completing any
application form. You will be reminded of these rights to cancel or withdraw in writing, prior to the completion of any
transaction. We will also inform you where this right to cancel does not exist in respect of an application acted upon
by a product provider prior to the completion of an application form.
The start of the cancellation period will normally begin, for pure protection policies, when you are informed that the
contract has been concluded or, if later, when you have received the contractual terms and conditions. In other
cases, the cancellation period will begin on the day the contract is concluded or, if later, the day on which you receive
the contractual terms and conditions. Instructions for exercising the right to cancel, if applicable, will be contained in
the relevant product disclosure information which will be issued to you.
3. Payment of Services – Commission
Where remuneration is in the form of a commission payment, you agree to indemnify that commission payment to us
should you for any reason, following the payment of such commission, cause that payment to be re-claimed by the
product provider. The maximum amount of any such liability will be notified to you in writing and in cash terms prior to
the completion of any application to which commission is attributed. This clause will not apply where you exercise
your right to cancel within the cooling off period.
4. Client Confidentiality
Some services are provided to Totally Insured Group Ltd by third parties such as processing business or obtaining
compliance or regulatory advice, which warrant the disclosure of more than just your basic contact details. You agree
that personal information held by Totally Insured Group Ltd may be disclosed on a confidential basis, and in
accordance with the Data Protection Act 1998, to any such third parties. You also agree that this information may be
transferred electronically, e.g. email and you agree that ourselves, or any such third party, may contact you in future
by any means of communication which we consider appropriate at the time.
Product Providers, Lenders and Investment Managers may administer your policy, any existing policies you may
have with them and provide other services, from centres in countries outside Europe (such as India and the USA) that
do not always have the same standard of data Protection laws as the UK. However, they are required to put a
contract in place to ensure that your information is adequately protected, and they will remain bound by their
obligations under the Data Protection Act even when your personal information is processed outside Europe.
We will provide you with copies of any policy documents or official papers in relation to the recommendations
accepted by you, that are received from a provider and that have not already been issued to you directly by the
provider. In addition, any information about you that is held in safe keeping by us will be treated as confidential and
will not be disclosed to any third party without your prior consent, unless the release of the information is required to
be passed on by Law or the Rules and Regulations of the Financial Services Authority. All information will be held
and maintained by us in accordance with the requirements of the Data Protection Act 1998. All information retained
by us that relates to you will be available to you (or your agent) and copies can be provided once any writtenr equest
for this information is received.
5. Conflict of Interests and Material Interests
We will make you aware of any conflict of interest that may arise if we become aware that another of our clients or
ourselves also has an interest in the area on which you have received a recommendation. The extent of this conflict
of interest will be notified to you in writing.
6. Commencement of the Terms of Business
Your agreement to engage us as your Professional Financial Adviser will be effective from the date that you sign this
agreement.
7. Termination of Terms of Business
This Terms of Business Agreement will remain in force until such time as it is either terminated by either party, or until
you or we request that the Terms of Business Agreement be amended. Should you wish to terminate the Terms of
Business Agreement, this can be notified to us in writing at any time. Should we wish to terminate the Terms of
Business Agreement, this will be notified to you in writing and may be issued without notice. If at the time of
cancellation we are engaged in an incomplete transaction, we reserve the right not to complete the transaction and if
appropriate, return to you all documentation in relation to that transaction.
8. Other Documents that form part of this Terms of Business Agreement
The other document issued to you that also forms part of our Terms of Business Agreement with you is our Initial
Discussion Document.
9. Who Regulates Us
Totally Insured Group Ltd is authorised and regulated by the Financial Services Authority. Our permitted activities
cover general and non-investment insurance contracts.
10. Solicited Financial Promotion
We may from time to time become aware of an opportunity arising from the launch of a new product. We may write to
you, email or telephone you with some details or provide you with a recommendation regarding that opportunity.
Should you wish to receive this type of solicited contact, you should indicate this by initialling the boxes below.
Totally Insured Group
4a Abbey Walk
Church Street
Romsey
Hampshire SO51 8JQ
Tel : 0870 240 8891
Version 2.3@ 09 September 2005
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