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about our services
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North Laine Financial Management Ltd
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First Floor 100 Church Road, Hove, East Sussex, BN3 2EB
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1 The Financial Services Authority (FSA)
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The FSA is the independent watchdog that regulates financial services. It requires us to give you this document. Use this information to decide if our services are right for you.
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2. Whose products do we offer?
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Investment
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We offer products from the whole market.
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We only offer products from a limited number of companies.
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We only offer products from a single group of companies
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Insurance
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We offer products from a range of insurers for Term Assurance, Critical Illness Cover, Permanent Health Insurance, Private Medical Insurance, Accident Sickness and Unemployment Insurance, Premium Protection Insurance, Household, Personal General and Commercial General insurance contracts.
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We only offer products from a limited number of insurers
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We only offer products from a single insurer
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3. Which service will we provide you with?
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Investment
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We will advise and make a recommendation for you after we have assessed your needs.
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You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.
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We will provide basic advice on a limited range of stakeholder products and in order to do this we will ask some questions about your income, savings and other circumstances but will not:
- · Conduct a full assessment of your needs;
- · Offer advice on whether a non-stakeholder product may be suitable
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Insurance
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We will advise and make a recommendation for you after we have assessed your needs for Term Assurance, Critical Illness Cover, Permanent Health Insurance, Premium Protection Insurance
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You will not receive advice or a recommendation from us for Private Medical Insurance, Accident Sickness and Unemployment, Household, Personal General and Commercial General Insurance.
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4. What will you have to pay us for our services?
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Investment
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Before we provide you with advice, we will give you our keyfacts guide 'about the cost of our services'.
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We will tell you how we get paid, and the amount, before we carry out any business for you.
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Insurance
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A fee
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5. Who regulates us?
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North Laine Financial Management Ltd is authorised and regulated by the Financial Services Authority.
Our FSA Register number is 446522.
Our permitted business is Advising on, arranging or bringing about transactions in Pensions, Investments, Savings, Life Assurance and other forms of Non Investment insurance contracts.
You can check this on the FSA’s Register by visiting the FSA’s website www.fsa.gov.uk/register or by contacting the FSA on 020 7676 1000.
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6. What to do if you have a complaint
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If you wish to register a complaint, please contact us:
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In writing:
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Write to the Compliance Department of North Laine Financial Management Ltd at the address above
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By phone:
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Telephone 01273 771111
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If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. The Financial Ombudsman Service does not consider complaints about home reversion schemes.
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7. Are we covered by the Financial Services Compensation Scheme (FSCS)
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We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.
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Investment
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Most types of investment business are covered for 100% of the first £30,000 and 90% of the next £20,000 so the maximum compensation is £48,000.
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Insurance
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Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit.
For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit.
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Further information about compensation scheme arrangements is available from the FSCS.
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