69 College Way

Truro

Cornwall

TR1 3RX

Fineants Limited

1. The Financial Services Authority (FSA)

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.

2. Whose products do we offer?

Insurance
	We offer products from a range of insurers for: Pure Protection Income Protection
	We only offer products from a limited number of insurers for: Household Insurance Payment Protection
	Ask us for a list of insurers we offer insurance from.
	We only offer products from a single insurer.

Mortgage
	We offer mortgages from the whole of the market
	We only offer mortgages from a limited number of lenders.
	We only offer mortgages from a single lender.

3. Which service will we provide you with?

Insurance
	We will advise and make a recommendation for you after we have assessed your needs for: Pure Protection Household Insurance Payment Protection Income Protection
	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.

Mortgage
	We will advise and make a recommendation for you after we have assessed your needs.
	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.

4. What will you have to pay us for our services?

Insurance
	A fee
	No fee
	You will receive a quotation which will tell you about any other fees relating to any particular insurance policy.

Mortgage
	No fee
	We will be paid commission by the lender.
	A fee at consultation
	A fee when you apply for your mortgage
	A fee when your mortgage is offered
	A fee when your mortgage completes
	You will receive a key facts illustration when considering a particular mortgage,which will tell you about any fees relating to it.

5. Who regulates us?

Fineants Limited is an appointed representative of Network Data Ltd, Botleys Mansion, Stonehill Road, Chertsey, Surrey, KT16 0AP which is authorised and regulated by the Financial Services Authority. Network Data Ltd’s FSA Registration number is 300391.

Network Data Ltd’s permitted business is:

Pure Protection - Term Assurance, Critical Illness, Family Income Benefits

Payment Protection - Mortgage Payment Protection

Income Protection

General Insurance - Buildings & Contents

Mortgages

(Buy to Let Mortgages are not regulated by the FSA)

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 0845 606 1234.

6. What to do if you have a complaint

If you wish to register a complaint, please contact us:

In writing; Write to Complaints Department, Network Data Limited, Botleys Mansion, Stonehill Road, Chertsey, Surrey KT16 0AP.

By phone; Telephone - 01932 875883

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

7. Are we covered by the Financial Services Compensation Scheme (FSCS)

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.

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.

Mortgage advising and arranging is covered for 100% of the first £30,000 and 90% of the next £20,000 so the maximum compensation is £48,000

Further information about compensation scheme arrangements is available from the FSCS.