Footman James,Waterfall Lane, Cradley Heath,West Midlands B64 6PU - 0121 561 4196

TERMS OF BUSINESS

Regulation
Footman James is a trading name of Aon Limited, which is authorised and regulated by the Financial Services Authority ("FSA") in respect of insurance mediation activities only.Aon Limited's FSA regulated number is 310451.You can check this by viewing the FSA website at www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234. Our permitted business is arranging general insurance contracts.We are licenced under the Consumer Credit Act and the Data Protection Act.

Our Service to You
We will provide you with broking services.We will not provide you with advice or a recommendation but we might ask you some
questions to narrow down the selection of products that we will provide details on.You will need to make your own decision on
whether to accept any quotation offered.We will provide a quotation from a selected list of insurers. The list is available upon
request.

Confidentiality
Unless disclosure is required by law or by our Regulator, or made with your consent, all information you supply to us will remain
confidential as between us, and any other party involved in the course of arranging and administering your insurance.

Charges
All policy adjustments and alterations will incur an adminstration charge of £20. This fee will also be charged at cancellation of
any insurance contract outside the “14 day cooling-off period” (other than at the insurance contract expiry date).This is in addition
to all other charges imposed by the insurers.Any other charges will be discussed and agreed before being made.

Complaints
We aim to provide all our customers with a first class standard of service, however on occasions differences do occur. There is a
procedure for making complaints contained in every policy that we issue. If your complaint is about us, the first step is to write
to our Managing Director at the address shown at the top of this document or by phone on 0843 357 1232.
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

Financial Services Compensation Scheme
We and your insurer are covered by the FSCS. You may be entitled to compensation from the scheme if we or they cannot meet our or their liabilities under this insurance. This depends on the type of business and the circumstances of the claim. For compulsory types of insurance the claim will be met in full. For non compulsory insurance, the scheme covers 90% of the claim without any upper limit. Further information about the compensation scheme arrangements is available from the FSCS.

Financial Arrangements
In accordance with FSA regulations we are obliged to inform you that, unless you communicate otherwise:

• We may hold your premium and make advances of credit to our clients;
• We may hold your premium in a form of segregated designated investment;
• We may hold your premium as agent of the insurer;
• We retain all interest and investment returns derived from holding your premium and from segregated designated investments;
• We may transfer your premium to another intermediary to fulfill an insurance transaction;
• We may draw down commission before paying premiums to the insurers;
• We will hold your premium in a non-statutory trust client bank account or in a form of segregated designated investment.