Terms and Conditions

We keep records of all your transactions. You, or your appointed agent, have the right to inspect the records at a mutually convenient time. As we treat all our client records as confidential, we reserve the right to give you copies of your records where in certain circumstances releasing the original would compromise other client’s confidentiality. Unless you tell us otherwise, where we may arrange products for couples or joint parties we will assume that information can be passed freely between us and those parties involved with the contract.

You have the right of access under the Data Protection Act 1998 to inspect the personal information that we hold about you although we may make a charge for this.