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Terms & Conditions

Platinum Financial Consulting is a fully independent financial services company.

We run a range of websites focused on providing information on specific financial products.

We are registered with the Financial Services Authority under number 227014, and are authorised to provide independent advice on financial, mortgage and insurance products. We offer general insurance and ASU products from a range of insurers.

While we have access to products from various providers, our websites will tend to only feature one product for each category. We do this for simplicity and ease of understanding. The products we feature are in our view fit for purpose to meet the financial needs highlighted on the website on which it is contained.

The featured products are not personal recommendations nor in Platinum’s opinion necessarily the best product of its type.

If the customer requires that an alternative product is sourced from a different provider we will do so.

We provide full generic information about the product area in question and the products featured on the site. All websites will offer the full policy wording which is made available to the customer before purchase.

We will at all times allow the customer to obtain quotes and specific product information and documentation from the website without requiring the customer to disclose personal contact information. Only once the customer has decided to progress an application will personal information be requested.

On occasion it may be necessary for the customer to input some personal information in order to obtain a quote. The most obvious example of this is that the customer’s date of birth is required before a life insurance quote can be offered. It will nevertheless be possible for the customer to obtain their quotes without disclosing contact information.

If a customers chooses to enter an email address or telephone number onto any of the forms contained on our websites it is consent for Platinum Financial Consulting to make contact.

OUR RELATIONSHIP

We will provide our customers with full information on our featured product, how it operates and how it would fit into scenarios presented by the customer. We will do this via our website, telephone and email.

The customer should be aware that we will give information about the product and how it would work in the client’s circumstances we cannot give personal advice and recommendation. In applying following a visit to our website, we assume that you have conducted your own research and that you feel the policy we offer via our website best meets your needs. This policy is purchased on a non-advised basis.

With very few exceptions, we will confirm to you in writing the key features of the products arranged on your behalf.

While we attempt to give you an accurate overview of your policy and how it will operate, this information should not be relied upon. The official policy wording is made available at all stages of the sales process and in most cases before the customer has decided to buy. This is the only document you should rely upon. If there are any terms and conditions contained in the policy wording that you do not understand or run contrary to your understanding of how the policy would operate you should make Platinum Financial Consulting and / or the product provider aware of your concerns immediately.

The customer should understand that it is their responsibility to ensure that information entered onto an application from is correct. This condition applies even if Platinum Financial Consulting has competed the application from on your behalf. It is the client’s responsibility to check all information is correct. Providing incorrect information or allowing incorrect information to remain unaltered could invalidate any cover you have and result in a loss of your premiums.

The contents of our published information and our explanation of your policy features are based upon our communications with the various providers we use. We continually review this information to reflect any new information or interpretations offered by the providers. We furthermore seek to clarify any ambiguities with all of the companies we deal with, in order to provide you with the most appropriate information. We rely upon these relationships in providing information to our customers however we cannot take responsibility for any communication or interpretation disconnects that may occur within other companies. Please read your policy document carefully and if you have any questions we would be more than happy to deal with them or request clarification from a product provider.

Platinum Financial Consulting 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.

You or we may terminate our relationship at any time without penalty. However, where we have undertaken work on your behalf for which a fee is due, we reserve the right to charge you that fee.

YOUR PROTECTION

Circumstances can arise where we or one of our other customers may have some form of interest in business being transacted for you. If this happens or we become aware that our interests or those of one of our other customers conflict with your interests, we will write to you and obtain your consent before we carry out your instructions, and detail the steps we will take to ensure fair treatment.

In most cases you can exercise a right to cancel, by withdrawing from the contract recommended to you. In general terms you will have a 30 day cancellation period for a pure protection policy and a 14 day cancellation period for a general insurance policy. Please note that in most instances you will not be able to exercise a right to cancel a mortgage contract, unless the contract is concluded at a distance (i.e. no face to face advice), at which point you will have a 14 day cancellation period. Additionally, any contracts arranged at your explicit consent (normally referred to as “execution only”) do not provide cancellation rights.

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.

All Policy Documents or Lender’s Offer Documents will be forwarded to you as soon as practicable after we receive them. If there are a number of documents relating to a series of transactions, we will normally hold each document until the series is complete and then forward them to you.

DATA PROTECTION

Some services are provided to Platinum Financial Consulting 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 Platinum Financial Consulting 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.

YOUR CONSENT

By applying for any product featured on the Platinum Financial Consulting websites it is agreed that you have read the above terms and fully consent to the terms imposed and authorise the transfer of information, on a confidential basis when warranted between any such third parties. You acknowledge that these Terms of Business Letter come into effect from the date of application.

Platinum Financial Consulting is committed to ensuring that our dealings with our customers are transparent, fair and professional. If you feel any part of our service falls short of these standards please contact us immediately.

This website is owned and operated by Platinum Financial Consulting
Authorised and Regulated by The Financial Services Authority

Written quotations available on request

Telephone : 0845 83 87 811 Fax : 0871 277 1422 Email : info@platinumifa.co.uk

FSA Registration Number : 227014

Declined Life Insurance Specialists