Our Terms Of Business

Commencement

The following terms will come into force with immediate effect.

Our Services

We will act on your behalf for the purposes of arranging serious illness insurance.

SecurityTrust International Limited is an appointed representative of Assure-U Limited who is authorised and regulated by the Financial Conduct Authority and entered on the FCA register (register.fsa.gov.uk) under reference 450500. Assure-U Limited is registered in England & Wales as a company, number 05682094.
SecurityTrust International Limited is registered in England & Wales as a company, number 10633066.

Assure-U Limited address is:

Three Elms Office
Harts Lane
Ardleigh
Colchester
Essex CO7 7QH

Tel: 0800 411 8686

How we charge you for our services

We only offer products from SecurityTrust International Limited.

We are normally paid commission on a product we arrange. None of these payments relates to volumes of business placed with the product providers or are attributed to individual transactions.

Your Protection

We prefer instructions to be in writing. If instructions are given orally they should also be confirmed in writing. We may refuse at our discretion to accept certain instructions, although such discretion will not be exercised unreasonably.

We do not accept cash payment.

We will normally register all products in your name unless otherwise instructed in writing.

If we become aware that our interests, or those of another client, conflicts with your interests, we will inform you in writing and obtain your consent prior to proceeding with your instructions.

Risk Warnings

We will communicate appropriate risk warnings prior to providing products or services. These are for your benefit as you should understand any risks before making an investment.

Making A Complaint 

Our aim is to provide an excellent level of customer service and care. If there is any aspect of our service that you are unhappy with please notify us and we will do all we can to resolve your complaint.

If you wish to make a general or customer complaint, please contact us:

Tel: 03333 443 653
Email: info@securitytrust.co.uk

If you wish to make a complaint about your policy, please contact us at:

Tel: 0800 032 7775
Email: info@compassuw.co.uk

Please quote your policy number and or claim reference (as appropriate) in any correspondence.

If you are dissatisfied with the response that you receive, you may refer your complaint to the Complaints team at Lloyd’s:

Lloyd’s, Complaints, Fidentia House, Walter Burke Way, Chatham Maritime, Chatham, Kent ME4 4RN

Tel. No: 020 8608 4256
Email: complaints@Lloyds.com
Website: www.lloyds.com/complaints

Details of Lloyd’s complaints procedures are set out in a leaflet “Your Complaint - How We Can Help” available at www.lloyds.com/complaints and are also available from the above address.

If you remain dissatisfied after Lloyd’s has considered your complaint, you may have the right to refer your complaint to the Financial Ombudsman Service (FOS).The FOS is an independent service in the UK for settling disputes between consumers and businesses providing financial services. Their contact details are as follows:

The Financial Ombudsman Service, Exchange Tower, Tower E14 9SR

Tel. No: 0800 023 4567
Email: complaint.info@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk

If you have purchased your policy online you can also make a complaint via the EU’s online dispute resolution (ODR) platform. The website for the ODR platform is: http://ec.europa.eu/odr

The existence, and your use, of these complaints procedures do not affect your other rights under this policy and your rights in law.

Termination

This client agreement may be terminated at any time, by either party. Notice of termination must be given in writing and will take effect immediately upon receipt. Termination will be without prejudice to the completion of transactions already commenced on your behalf or any rights or obligations already arising. You would be expected to pay for any costs incurred up to the date of termination or a due proportion of any fees previously agreed.

Data Protection

Collection of Data:

In order to provide you with products and services we need to gather personal and financial information about you. This includes information obtained from you or third parties, such as employers and credit reference agencies, fraud prevention agencies or other organisations. This may include sensitive information about racial or ethnic group, physical or mental health, sexual life, criminal proceedings and offences.

Access:

You have the right to access information we hold about you. You can access a copy of these records by contacting us. To exercise this right, please write to us at:

SecurityTrust International Limited, 1st Floor, 50 Mark Lane, London EC3R 7QR.

We are entitled to charge a fee for this service of up to £10.  If any of the information we hold is incomplete or inaccurate please tell us and we will correct it.

Use of Data:

Personal information will be passed to SecurityTrust or to our insurers for compliance and monitoring purposes. Information may be passed to other financial firms in the course of providing services. We may provide information to our regulators and their successors. We may also provide information to other firms within the SecurityTrust International Group.

We may from time to time contact you by post or email with details of products and services which may be of interest to you. If you would like to receive this information please email us..

We shall disclose information to relevant authorities where we are required to do so by law.

We are legally obliged to verify the identity of our customers and retain these records.

We will retain records after our business relationship has ended for legal and regulatory purposes.

Rights of third parties

These terms of business exclude any rights which may be conferred upon third parties by the Contracts (Rights of Third Parties) Act 1999.

Jurisdiction

This agreement is governed by English Law and the parties of this agreement hereby submit to the exclusive jurisdiction of the English Courts.

Commencement

This is our standard Client Agreement upon which we intend to rely. For your own benefit and protection you should read these terms carefully before agreeing to them.

If you do not understand any point please ask for further information.

Learn more, request further information or call us on 03333 443653

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Protecting and securing the health, lifestyle and wellbeing of you and your loved ones.

SecurityTrust partners with certain underwriters at Lloyd's of London to provide innovative and value for money insurances and lifestyle protection.

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