Terms of Business

1. Introduction

These Terms of Business are effective from 1st April 2026 and set out the general terms under which we will provide business services to you and the respective duties and responsibilities of both ourselves and you in relation to our services. Please ensure that you read these terms carefully and contact us if there is anything you do not understand.

2. Authorisation and Codes of Conduct

EasyToFin Financial Services Limited is an Insurance Intermediary and Investment Intermediary regulated by the Central Bank of Ireland. Our Authorisation code is C574033. Our principal business is to provide advice and arrange products on behalf of clients in relation to Life, Pensions, Investments and other financial products.

3. Our Services

We act as your representative to the companies we have agencies with, and we will provide assistance on any queries you may have in relation to the policies or in the event of a claim during the life of the policies and we will explain to you the various restrictions, conditions and exclusions which apply to the cover provided.

4. Companies We Have Agencies With

5. Fees and Charges

Hourly Appointment Fees

Directors: €350 per hour, Other Staff: €199 per hour. Fees are charged for consultations, advice, and professional services rendered.

Commission and Remuneration

We may also receive commission from insurance companies and lenders for products arranged on your behalf. This commission is typically paid by the product provider and does not represent an additional cost to you.

6. Disclosure of Information

Material information about the products we recommend is essential to underwriting decisions. You are under a duty to answer all questions posed by the insurer or ourselves on your behalf, honestly and with reasonable care. You must inform us of any material changes that might take place between the time you complete an application form and the time you pay the first premium.

7. Conflicts of Interest

We have procedures in place to identify and manage conflicts of interest. Where a conflict of interest arises that cannot be managed through our existing procedures, we will disclose the nature of the conflict to you before proceeding.

8. Complaints Procedure

If you have a complaint about our service, you should contact us in writing at [email protected]. We will acknowledge your complaint within 5 working days and provide a full response within 20 working days. If you are not satisfied with our response, you may refer your complaint to the Financial Services and Pensions Ombudsman (FSPO).

9. Data Protection

We are committed to protecting your personal data in accordance with the General Data Protection Regulation (GDPR) and the Data Protection Act 2018. Please refer to our Privacy Policy for detailed information about how we collect, use, and protect your data.

10. Limitation of Liability

We will not be liable for any loss or damage arising from failure of third-party service providers, force majeure events beyond our control, errors or omissions by insurance companies or lenders, or your failure to provide accurate information.

11. Governing Law

These Terms of Business are governed by and construed in accordance with the laws of Ireland. Any dispute arising from these terms shall be subject to the exclusive jurisdiction of the Irish courts.

12. Regulatory Information

EasyToFin Financial Services Limited is regulated by the Central Bank of Ireland. Registration Number: 801689, Authorisation Code: C574033, Address: 18 Cook Street, Cork City, Ireland

13. Changes to These Terms

We may update these Terms of Business from time to time to reflect changes in our services, legal requirements, or other factors. We will notify you of any material changes by updating the "Last Updated" date.