Terms of Business

These Terms of Business set out the general terms under which JEZ Financial Limited will  provide pension, life assurance, investment advice and financial services. 

Authorised Status 

JEZ Financial Limited is regulated by the Central Bank of Ireland as Insurance Intermediary  registered under the European Communities (Insurance Distribution) Regulations, 2018 and as  an Investment Business Firm under the Investment Intermediaries Act, 1995 as amended. The  Central Bank of Ireland holds registers of regulated firms. 

You may contact the Central Bank of Ireland on 01 4104000 or alternatively visit their website on  www.centralbank.ie to verify out credential. Our Central Bank number is C178340. 

Services Provided 

JEZ Financial Limited provides its life, investment, pension and savings services to our clients on  a fair analysis basis. “Fair analysis of the market” means that our firm provides its services on the  basis of a sufficiently large number of contracts and product providers available on the market to  enable our firm to make a recommendation, in accordance with professional criteria, regarding  which contract would be adequate to meet our clients consumer’s needs. 

JEZ Financial Limited T/a MyLife Financial is authorised to provide advice and arrange business on your behalf in relation to insurance policies, including mortgage protection, life and serious illness cover, pensions, permanent health insurance, savings and investment plans.

JEZ Financial Limited T/a MyLife Financial provides its services with the following product producers with whom an agency is held:

Aviva Life & PensionsRoyal London
Irish LifeZurich Life Assurance plc
New Ireland Assurance CompanyBlackbee Investment
Broker Solutions

Codes of Conduct 

JEZ Financial Limited is subject to the following Codes of conduct issued by the Central Bank of  Ireland. These codes offer protection to our clients and all of the Codes can be found on the  Central Bank’s website www.centralbank.ie – Consumer Protection Code 2012, Minimum  Competency Code 2017, Handbook of Prudential Requirements for Investment Intermediaries  2014, Fitness & Probity Standards 2014 and the IDR. 

Remuneration policy 

JEZ Financial Limited may receive commission and other payments from the product producer  with which business is placed. Summary details of these payments will be included, where  appropriate, in a product information document, in relation to insurance products. 

In the case of life assurance, pensions and investments where our firm is not in receipt of  commission, may charge a service fee, agreed with clients, depending on complexity of the  transaction, time spent and nature and extent of the transaction. Our fees are charged as  follows: 

Advisor fees: €200 per hour 

Support Staff €150 per hour 

All fees are agreed with the client in advance. We also offer all clients the option to pay in full for  our services by means of a fee. 

Conflict of Interests 

Our employees are required to comply with the policy of independence and disregard any conflict  of interest when making a recommendation to you. 

Where an unavoidable conflict of interest arises we will advise you of the steps we propose to  take in order to protect your interests before providing you with any business service. If you have  not been advised of any such conflict you are entitled to assume that none arises. Our full  conflicts of interest procedure is available on request. 

Legal rights 

JEZ Financial Limited will, if necessary exercise its legal rights to receive any payment due to it  from clients for business services provided by it, and to be reimbursed for any value obtained by  the firm on behalf of clients who subsequently default in any payment due to the firm. 

Insurers may withdraw benefits, cover, or impose penalties in the event of default of any  payments due under any products arranged for your benefit. Details of these provisions will be  included in your product terms and conditions.

Complaints Procedure 

A complaint is defined as an expression of dissatisfaction by a customer, whether justified or not.  Complaints may come from a number of different sources and may be received in writing, by  telephone, email, or personal visit. 

Our policy 

⮚ Our customer complaints are dealt with fairly and all problems are resolved as quickly as  possible. All written complaints will be acknowledged in writing within 5 business days.  We aim to resolve all complaints within 20 business days. A copy of our detailed  complaints procedure is available on request. 

⮚ Where customers remain dissatisfied with the outcome of our efforts to resolve their  complaint, they are notified of their right to refer their grievance to the Financial Services  and Pensions Ombudsman. 

⮚ It is preferred that all complaints are made in writing and should be addressed to Matt  Conlon, Managing Director, JEZ Financial Limited. 

Confidentiality/Personal Data 

The firm complies with the requirements of the General Data Protection Regulation 2018 and the  Irish Data Protection Act 2018. The data which you provide to us will be held on a computer  database and paper files for the purpose of arranging transactions on your behalf. The data will  be processed only in ways compatible with the purposes for which it was given and as outlined in  our Privacy Notice which is given to all clients at the time of data collection, our privacy notice is  also available on request. You have the right at any time to request a copy of any ‘personal data’  within the meaning of the GDPR that our office holds about you and to have any inaccuracies in  that information corrected. Please contact us at mattconlon01@gmail.com if you have any concerns about your personal data.  

Investor Compensation  

JEZ Financial Limited is a member of the Investor Compensation Scheme established under the  Investor Compensation Act 1998. The legislation provided for the establishment of a  compensation scheme and to the payment in certain circumstances, of compensation to certain  clients of firms (known as eligible investors) covered by the Act. However, you should also be  aware that a right to compensation would only arise where client money or investment  instruments held by this Company on your behalf cannot be returned, either for the time being or  for the foreseeable future, and where the client falls within the definition of eligible investor as  contained in the Act. In the event that a right to compensation is established, the amount payable  is the lesser of 90% of the client’s loss, which is recognized as being eligible for compensation, or  €20,000.  

JEZ Financial Limited also holds Professional Indemnity insurance as required under the  Insurance Mediation Directive. 

These Terms of Business are valid from 5th February 2020 until further notice. 

JEZ Financial Limited 

Correagh 

Moate 

Co. Westmeath 

JEZ Financial Limited t/a MyLife Financial is regulated by the Central Bank of Ireland

About

MyLife Financial was founded by Matt Conlon to provide unbiased and professional financial advice in all areas of financial planning. We specialise in protection advice for families, individuals and businesses alike. We strive to cut through the jargon that is often associated with financial planning advice to offer our customers clear and concise financial advice in the areas of Life Insurance, Income Protection, Pensions and Savings and Investments.
At MyLIfe Financial our customers are our business. We are also completely flexible in how you wish to interact with us. Perhaps you wish to conduct your business online, over the phone or face-to-face; whatever your preference is, we can cater for it.
Contact us today for a new experience with your personal or business financial planning needs.

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