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Terms and Conditions

Summit Financial Services Ltd is an appointed representative of Suttons Independent Financial Advisers Ltd who are authorised and regulated by the Financial Conduct Authority. Our FCA Register number is 493197.

Summit Financial Services Ltd
Trinity House
114 Northenden Road
Sale
Cheshire
M33 3HD

 

The Financial Conduct Authority (FCA)

The FCA 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.

Whose products do we offer?

tickWe offer products from a range of insurers for Term Assurance, Critical Illness cover and Income Protection Insurance.

no tick We only offer products from a limited number of insurers for Term Assurance, Critical Illness cover and Income Protection Insurance. Ask us for a list of the insurers we offer insurance from.

no tickWe only offer the products from a single insurer for Term Assurance and Critical Illness cover.

 

Which service will we provide you with?

tickWe will advise and make a recommendation for you after we have assessed your needs for Term Assurance, Critical Illness cover and Income Protection Insurance.

tickYou will not receive advice or a recommendation from us for Term Assurance, Critical Illness cover and Income
Protection Insurance. 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.

 

What will you have to pay us for this service?

no tick A fee.

tickNo fee for Term Assurance, Critical Illness cover and Income Protection Insurance.
No fee for Term Assurance, Critical Illness cover and Income Protection Insurance. In respect of any regular premium policy which we have arranged for you, should you subsequently cease to pay premiums on the policy and in consequence we are obliged to refund the commission that has been paid to us, we reserve the right to charge you a fee representing the amount we have to repay, for a period of up to four years after commencement of the policy. We will confirm the exact amount that will need to be repaid by you and the timescale over which it will need to be repaid in the suitability report we will send you when a recommendation is made. We will not charge any such fee if you exercise your right to cancel in accordance with any cancellation notice sent to you by the life insurance company.

You will receive a quotation which will tell you about any other fees relating to any particular insurance policy.

 

Who regulates us?

Summit Financial Services Ltd is an appointed representative of Suttons Independent Financial Advisers Ltd , 114 Northenden Road, Sale, Cheshire, M33 3HD who are authorised and regulated by the Financial Conduct Authority. Our FCA Register number is 493197.

Our permitted business is advising on and arranging non-investment insurance contracts.

You can check this on the FCA’s Register by visiting the FCA’s website http://www.fca.org.uk/register or by contacting the FCA on 0845 606 1234.

 

What to do if you have a complaint

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

…in writing
Write to The Compliance Manager;
Summit Financial Services Ltd
Trinity House
114 Northenden Road
Sale
Cheshire
M33 3HD

…by phone
Telephone 0345 565 0937

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

The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren’t able to resolve themselves. To contact the Financial Ombudsman Service please visit www.financial-ombudsman.org.uk

 

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.

Long-term insurance (e.g. life assurance)

The maximum level of compensation for claims against firms declared in default is 90% of the claim with no upper limit.

Further information about the compensation scheme arrangements is available from the FSCS.

Business privacy policy

This privacy policy sets out how Summit Financial Services Limited uses and protects any information that you give Summit Financial Services Limited when you use this website.
Summit Financial Services Limited is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, then you can be assured that it will only be used in accordance with this privacy statement.
Summit Financial Services Limited may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes. This policy is effective from July 2011.

What we collect

We may collect the following information:

What we do with the information we gather

We require this information to understand your needs and provide you with a better service, and in particular for the following reasons:

Security

We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.

How we use cookies

A cookie is a small file which asks permission to be placed on your computer’s hard drive. Once you agree, the file is added and the cookie helps analyse web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.
We use traffic log cookies to identify which pages are being used. This helps us analyse data about webpage traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.
Overall, cookies help us provide you with a better website by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.
You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.
You can view our cookie policy here

Links to other websites

Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.

Controlling your personal information

You may choose to restrict the collection or use of your personal information in the following ways:
We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so. We may use your personal information to send you promotional information about third parties which we think you may find interesting if you tell us that you wish this to happen.
You may request details of personal information which we hold about you under the Data Protection Act 1998. A small fee will be payable. If you would like a copy of the information held on you please write to Summit Financial Services Limited, 114 Northenden Road, Sale Moor, Manchester, M33 3HD.
If you believe that any information we are holding on you is incorrect or incomplete, please write to or email us as soon as possible at the above address. We will promptly correct any information found to be incorrect.
The advice and/or guidance contained within this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.