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?
We offer products from a range of insurers.- We only offer products from a limited number of insurers. Ask us for a list of insurers we offer insurance from.
We only offer products from a single insurer for accident, sickness and unemployment cover.
3. Which service will we provide you with?
- 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 accident, sickness and unemployment 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 pay for our services?
- A fee.
- No fee.
You will receive a quotation which will tell you about any other fees relating to any particular insurance policy.
5. Who regulates us?
Beech Financial Management Limited, Venture House, Cross Street, Macclesfield. SK11 7PG is authorised and regulated by the Financial Services Authority. Our FSA Register number is 303575.
Our permitted business is to advise on and arrange general insurance contracts.
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
- The Compliance Officer, Beech Financial Management Limited, Venture House, Cross Street, Macclesfield. SK11 7PG
- .by phone
- Telephone 01625 613933
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 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.