Terms & Conditions

about our services 3 Highcliff View
Westgate
Guisborough
Cleveland
TS14 6AY
 Active Financial Services Limited 
1.      The Financial Services Authority (FSA)
The FSA is the independent watchdog that regulates financial services. It requires us to give you this document. Use this information to decide if our services are right for you.
2.      Whose products do we offer?
Insurance
We offer products from a range of insurers for pure protection policies such as term assurance and critical illness cover. 
We only offer products from a limited number of insurers.
We only offer products from a single insurer.
3.      Which service will we provide you with?
Insurance
We will advise and make a recommendation for you after we have assessed your needs.
You will not receive advice or a recommendation from us for term assurance and critical illness cover.  We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.

4.      What will you have to pay us for our services?
Insurance
A fee
No fee for arranging term assurance and critical illness cover.
You will receive a quotation which will tell you about any other fees relating to any particular insurance policy.
5.      Who regulates us?
Active Financial Services Limited, 3 Highcliff View, Westgate, Guisborough, Cleveland, TS14 6AY is authorised and regulated by the Financial Services Authority. Our FSA Register number is 193065.

Our permitted business is arranging insurance products.

You can check this on the FSA's Register by visiting the FSA's website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.
6.      What to do if you have a complaint

If you wish to register a complaint, please contact us:

In writing: Write to Complaints Department, 3 Highcliff View, Westgate, Guisborough, Cleveland, TS14 6AY

By phone: Telephone: 01287 632367

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

7.      Are we covered by the Financial Services Compensation Scheme (FSCS)?
We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.
Insurance
Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit.
 
Further information about compensation scheme arrangements is available from the FSCS.