TERMS OF BUSINESS

O'Donoghue Insurance Brokers & Consultants (Killorglin) Ltd is an independent intermediary - an authorised advisor which is in a position to place your business with leading insurers (and other financial institutions - where relevant). This firm does not have any "tied" relationships with any institution that would compromise our ability to offer you independent advice and choice. This firm is also a member of the Irish Brokers Association (I.B.A.)

O'Donoghue Insurance Brokers & Consultants (Killorglin) Ltd arrange and provide advice in relation to all classes of non-life insurance (motor, property, liability, marine, etc.) and life assurance and pensions.

Consumer Protection
O'Donoghue Insurance Brokers & Consultants (Killorglin) Ltd is an Authorised Advisor regulated by the Central Bank of Ireland pursuant to the Investment Intermediaries Act 1995 and the Insurance Act 2000 to provide insurance and investment services.

In addition to the compensation available under the "Investor Compensation Act, 1998", O'Donoghue Insurance Brokers & Consultants (Killorglin) Ltd. is bonded through its membership of I.B.A. for €127,000 with an inner limit of €63,000 per client.

Remuneration Policy
O'Donoghue Insurance Brokers & Consultants (Killorglin) Ltd is remunerated by both commission and fees.

Handling Clients' Money
O'Donoghue Insurance Brokers & Consultants (Killorglin) Ltd will accept payments by cheque in respect of all classes of insurance in the circumstances permitted under Section 25G of the Investment Intermediaries Act, 1995.

O'Donoghue Insurance Brokers & Consultants (Killorglin) Ltd is not authorised to accept cash or negotiable instruments in any other circumstances.

Where the Client fails to pay:
In the event that a client fails to pay within the credit terms agreed when cover is arranged, the Firm will advise the Product Producer involved and cover will be cancelled.

Receipts
O'Donoghue Insurance Brokers & Consultants (Killorglin) Ltd shall issue a receipt for each non-negotiable or negotiable instrument or payment received. This is required pursuant to Section 30 of the "Investment Intermediaries Act, 1995".

Complaints
Any complaints regarding the service you have received from any member of staff should be addressed to Mr. Eddie O'Donoghue, Director.

This firm has a written procedure in place for the effective consideration and handling of complaints.
This procedure ensures that complaints will be recorded and written complaints acknowledged in writing within 14 days. All complaints will be fully investigated and the outcome of the investigation will be communicated to the person who raised the complaint.
In the event that you remain dissatisfied with the firms handling of and response to your complaint contact may be made with the Central Bank of Ireland, P.O. Box 559, Dame Street, Dublin 2 and/or the Irish Brokers Association, 87 Merrion Square, Dublin 2