Our Commitment To You

• You can be confident that you are dealing with a firm where the fair treatment of customers is central to the corporate culture.

• Products and services marketed and delivered to you are appropriate to meet the needs of identified customer groups and are appropriately and accurately delivered.

• You are provided with clear information and are kept informed before, during and after the point of sale.

• When you receive advice, the advice is suitable and takes account of your circumstances.

• We will provide you with clear information about the products and service we offer, including fees and charges

• We will ascertain your individual needs, preferences and circumstances before making a recommendation

• We will only recommend products that we consider suitable for you and that you can afford -and always the most suitable from the available options.

• We will not recommend a product or give you advice if we can’t find one we consider suitable or you need do nothing and your present position does not need to change.

• We will encourage you to ask if there’s something you don’t understand

• We will make sure you do not face unreasonable post-sale barriers to change a product, switch provider, submit a claim or make a complaint