As a professional insurance adviser it is essential that we are fully transparent in our business activities. To achieve this we have developed some standard Terms of Business and other Importmant information that we must disclose to you which outline the key aspects of our client relationships.

In accordance with FSA regulations our Terms of Business and other Important Information varies slightly, depending on which of the following categories apply :

Terms of Business and Important Information we must disclose to you.

This Document applies to you if you are an Individual customer rather than an organisation or commercial operation.

Terms of Business (Commercial Customers)

This document applies if you are not an individual customer. This document must be read in conjunction with the seperate; "Important Information we must disclose to you" document.

The different Terms of Business agreements are attached below.

It is important that all clients read and understand the basis of these agreements. Both agreements are broadly similar and are self explanatory.