Terms of business

About Us

Agathos Financial Planning Ltd registered with the Central Bank of Ireland as an Insurance Intermediary under the European Communities (Insurance Mediation) Regulations, 2005. A copy of our Certificate of Registration from the Central Bank is available on request. You may also verify our authorisations by contacting the Central Bank on 1890 77 77 77. We are subject to the Central Bank’s Consumer Protection 2012, Minimum Competency Code, and Fitness and Probity Standards, which offer protection to consumers. These Codes can be found on the Central Bank’s website www.centralbank.ie

Scope of Services

The scope of our authorisation allows us to advise on, and arrange, insurance policies including:

Life Assurance – Level, Convertible & Decreasing Term, Whole of Life
Serious Illness Cover
Permanent Health Insurance / Income Protection
Savings
Investments
Pension Plans and PRSAs
Residential and Commercial loans

Agathos Financial Planning Ltd does not hold a shareholding in any insurance undertaking. In addition, no insurance undertaking holds an interest in our firm.

Remuneration

Agathos Financial Planning Ltd is paid a commission by the product provider. We may also receive other payments depending on the volume of business placed. For certain life assurance, pension policies, and PRSAs, this commission is outlined in the quotation provided to you and details are included in the policy documentation issued to you. We may receive regular renewal or fund based commissions while your products remain inforce, and these contribute to the costs of our ongoing administration and consulting services which we provide to you.

We may also opt to charge a consulting/arrangement fee in certain circumstances. This fee will be based on the time, expertise, analysis, and complexity of the work involved. Where this applies, we will confirm the fee basis in writing in advance of providing a service. We may receive commissions in addition to any fees which we may charge you, and, unless we advise you to the contrary, commissions received will be not be offset against fees due.

Conflict of Interest

It is the policy of Agathos Financial Planning Ltd to avoid any conflict of interest when providing investment business services to its clients. However, where an unavoidable conflict may arise, we will advise you of this in writing before proceeding to provide any business service. If you have not been advised of any such conflict, you are entitled to assume that none arises.

Legal Remedies

Agathos Financial Planning Ltd will, if necessary, exercise its legal rights to receive any payments due to it from clients for business services that have been provided.

An insurer may withdraw benefits or cover, on default of any payments that are due under any products that are arranged for your benefit. Full details of these provisions will be included in your product terms and conditions.

Complaint Handling

Any complaint made to Agathos Financial Planning Ltd is recorded and acknowledged to the complainant in writing within 5 business days. We will provide the complainant with a regular written update on the progress of the investigation of the complaint at intervals of not greater than 20 business days. We will attempt to investigate and resolve a complaint within 40 business days of having received the complaint. Where the 40 business days has elapsed and the complaint has not been resolved, we will inform the complainant of the anticipated timeframe within which we hope to resolve the complaint and of the consumer’s right to refer the matter to the Financial Services Ombudsman or the Pensions Ombudsman, and provide the consumer with the contact details of such Ombudsman.

Investor Compensation

Agathos Financial Planning Ltd is a member of the Investor Compensation Scheme, set up under the Investor Compensation Act, 1998, which provides certain remedies to eligible clients on default by the firm. The main details of the operation and conditions of the Scheme are as follows:

Compensation may be payable where money or investment instruments owed or belonging to clients and held, or in the case of investment instruments, administered or managed by our firm cannot be returned to those clients for the time being, and there is no reasonably foreseeable opportunity of the firm being able to do so;

A right to compensation will arise only:

if the client is an eligible investor as defined in the Act;
if it transpires that our firm is not in a position to return client money or investment instruments owned / belonging to the clients of the firm, and
to the extent that the client’s loss is recognised for the purposes of the Act;

– Where an entitlement to compensation is established, the compensation payable will be the lesser of:

– 90 per cent of the amount of the client’s loss which is recognised for the purposes of the Investor Compensation Act, 1988;

– Compensation of up to €20,000.

Your legal rights against the firm are not affected by this scheme.

Data Protection

We operate to the highest standards of client confidentiality and meet statutory requirements under the Data Protection Acts 1998 and 2003.

Our staff and support service providers will only use your personal information to offer advice on suitable products, or as otherwise required by law. For this purpose we may use your contact details and other relevant information for the purposes of providing you with appropriate advice, and offering you products and services which we think may be of interest to you. For these purposes we may contact you by letter, email, SMS text, or telephone. You have the right to ask us not to send marketing information to you at any time.

These Terms of Business are valid from 1 May 2014 until further notice.

CONTACT FORM

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OUR SERVICES

Private Clients

- Wealth Preservation
- Financial Planning
- Pensions
- Investment Portfolio's
- Investment Advice
- Retirement Planning
- Asset/Wealth Transfer
- Trust + Estate Planning
- Personal Investment

Business Clients

- Partnership Insurance
- Shareholder Protection
- Business Continuity Protection
- Corporate Investment
- Mitigation of Taxation
- Tax Efficient Fund Withdrawl
- Business Pension Scheme
- Irish Life Executive Pension Plans
- Pension Tax Relief Advice
- AVC's (Additional Voluntary Contributions)

Terms of business

CONTACT DETAILS

CONTACT FORM

OUR SERVICES

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