Terms of Business of HMP Property Finance & Pensions Ltd t/a HMP Insurance & Pension Advisors

Terms of Business of HMP Property Finance & Pensions Ltd t/a HMP Insurance & Pension Advisors
These Terms of Business set out the general terms under which our firm will provide business services to you and the respective duties and responsibilities of both the firm and you in relation to such services. Please ensure that you read these terms thoroughly and if you have any queries we will be happy to clarify them. If any material changes are made to these terms we will notify you.

Authorisation with the Central Bank of Ireland

HMP Property Finance & Pensions Ltd. t/a HMP Insurance & Pension Advisors is regulated by the Central Bank of Ireland as an insurance intermediary registered under the European Communities (Insurance Mediation) Regulations, 2005; as a Multi-Agency Intermediary authorised under the Investment Intermediaries Act, 1995 and as a Mortgage Intermediary authorised under the Consumer Credit Act, 1995. Copies of our regulatory authorisations are available on request. The Central Bank of Ireland holds registers of regulated firms. You may contact the Central Bank of Ireland on 1890 777 777 or alternatively visit their website at www.centralbank.ie  to verify our credentials.

Codes of Conduct

The firm is subject to the Consumer Protection Code, Minimum Competency Code and Fitness & Probity Standards which offer protection to consumers. These Codes can be found on the Central Bank’s website www.centralbank.ie

Our Services

Our principal business is to provide advice and arrange transactions on behalf of clients in relation to life, pensions, investments, savings, mortgages and general insurance products. A full list of insurers, product producers and lending agencies with which we deal is available on request.

The firm acts as an Independent Broker which means that:
a) The principal regulated activities of the firm are provided on the basis of a fair analysis of the market; and
b) You have the option to pay in full for our services by means of a fee.

Mortgages

The firm can provide advice on and arrange mortgage products through our appointment with Colaba Limited and Seniors Money Mortgages (Ireland) Ltd t/a Seniors Money . The firm provides mortgage advice on a fair analysis basis (providing services on the basis of a sufficiently large number of contracts and product producers available on the market to enable the firm to make a recommendation, in accordance with professional criteria, regarding which contract would be adequate to meet your needs).

We will need to collect sufficient information from you before we can offer any advice on housing loans. This is due to the fact that a key issue in relation to mortgage advice is affordability. Such information should be produced promptly upon our request.

Life & Pensions

The firm provides life assurance and  pensions on a fair analysis basis i.e. providing services on the basis of a sufficiently large number of contracts and product producers available on the market to enable us to make a recommendation, in accordance with professional criteria, regarding which contract would be adequate to meet the your needs.

We provide advice on the following product providers:
•    Aviva Life & Pensions Ireland Ltd
•    New Ireland Assurance Company plc
•    Irish Life Assurance plc
•    Zurich Life Assurance plc
•    Friends First Life Assurance Company plc
•    Caledonian Life
•    Standard Life Assurance Ltd
•    BCP Asset Management Ltd
•    Wealth Options Ltd