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class="smallLinksinsurance"> <a href="contact_us.htm" class="smallLinksinsurance">CONTACT US</a> </td> </tr> <tr> <td height="20" colspan="3"> &nbsp; </td> </tr> </table> </td> <td width="540" valign="top"> <table width="98%" border="0" cellspacing="0" cellpadding="0" align="right"> <tr> <td width="535" height="289" valign="top"> <br /> <table width="98%" border="0" align="center" cellpadding="0" cellspacing="0"> <tr> <td width="27" height="27"> <img src="../images/head_insurance_sq.gif" alt="Financial Services" width="15" height="17" align="middle" /> </td> <td width="499" class="headingPOR"> <!-- InstanceBeginEditable name="header" --> Terms of Business <!-- InstanceEndEditable --> </td> </tr> <tr> <td height="14" colspan="2" valign="top"> <!-- InstanceBeginEditable name="content" --> <p> <strong>1.&nbsp; <u>Authorised Status</u></strong></p> <p> Philip O'Reilly Hooper Dolan Insurances Ltd is regulated by the Central Bank of Ireland as a Multi Agency Intermediary under the Investment Intermediaries Act, 1995 (as amended). The firm is also registered as an Insurance Intermediary under the European Communities (Insurance Mediation) Regulations, 2005. Copies of our Authorisations are available on request. You may verify our authorisations by contacting the Financial Regulator on 1890 777777. A copy of the firm&rsquo;s <a href="status.htm">Statement of Authorised Status</a> is also linked. </p> <p> This firm is also authorised by the National Consumer Agency as a Credit Intermediary in respect of arranging premium finance on insurance related products. This firm does not have any tied relationships with any institution that would compromise our ability to offer you a wide range of advice and choice. This firm is a member of the Irish Brokers Association (IBA). </p> <p> We may receive and or transmit orders in Investment Instruments to each insurer or product producer from whom we hold a letter of appointment. A list of product producers is available to you upon request. (Please also see <a href="product_providers_ins.html">Product Providers</a>) <p> <strong>2.&nbsp; <u>Consumer Protection </u></strong> </p> <em>*Investor Compensation Company Ltd. (ICCL) <br /> This firm is a member of the investor compensation scheme established under the Investor Compensation Act, 1998. This legislation provides for the establishment of a compensation scheme and to the payment, in certain circumstances, of compensation to clients of firms covered by the Act. However, you should be aware that a right to compensation will only arise where money or investment instruments held by this firm on your behalf cannot be returned either for the time being or for in the foreseeable future and where the client falls within the definition of eligible investor as contained in the Act. In the event that a right to compensation is established, the amount payable is the lesser of 90 per cent of your loss which is recognised as being eligible for compensation or EUR 20,000. </em> </p> <p> In addition to the above this firm is also bonded through its membership of the IBA for ¬ 200,000 with an inner limit of ¬ 65,000 per client. </p> <p> This firm also holds Professional Indemnity Insurance for errors and omissions. <p> <strong>3.&nbsp; <u>Description of Services </u></strong> </p> Philip O'Reilly Hooper Dolan Insurances Ltd is authorised to provide the following services: motor and household insurance, commercial insurance, entertainment & construction insurance, placement of high risk liability and high risk material damage insurance, placement of professional indemnity insurance, medical malpractice, libel and slander, product recall, latent defects and equestrian liability. </p> <p> We do not guarantee nor make representations in regard to, and expressly disclaim responsibility for, the financial condition of insurers or product producers with which we place insurance. We will not indemnify clients in respect of the failure of any insurer or product producer. &nbsp;</p> <p> <strong>4.&nbsp; <u>Conflicts of Interest </u></strong> </p> Our staff are required to comply with a policy of independence and to disregard any conflict of interest that may arise when making recommendations to you. In the event of a conflict of interest we will advise you accordingly. If you have not been advised of any such conflict you may assume that none arises. <p> <strong>5.&nbsp; <u>Handling Clients' Money </u></strong> </p> Philip O'Reilly Hooper Dolan Insurances Ltd. will accept payments in cash, cheque, electronic funds transfer, laser and credit card in respect of all classes of insurance in the circumstances permitted under Section 25G of the Investment Intermediaries Act, 1995. <p> <strong>6.&nbsp; <u>Receipts </u></strong> </p> Philip O'Reilly Hooper Dolan Insurances Ltd. shall issue a receipt for each non-negotiable or negotiable instrument or payment received. This is required pursuant to Section 30 of the  Investment Intermediaries Act, 1995 . These are issued with your protection in mind and should be stored safely. <p> <strong>7.&nbsp; <u>Complaints </u></strong> </p> This firm has a written procedure in place for the effective consideration and handling of complaints. Complaints should be addressed to Mr. Philip O'Reilly for his personal attention and marked Private & Confidential. Complaints will be recorded and acknowledged in writing within 5 working days. All complaints will be fully investigated and the outcome of the investigation will be communicated to the complainant. We will provide a complainant with regular updates at intervals not greater than 20 days and will attempt to resolve a complaint within 40 business days. If your complaint is still not resolved to your satisfaction, and as a final step, you may refer your complaint to the Financial Services Ombudsman. You can contact the Financial Services Ombudsman by phone on Lo Call 1890 88 20 90, Email: <a href="mailto:enquiries@financialombudsman.ie">enquiries@financialombudsman.ie</a> or post to The Financial Services Ombudsman, 32 Upper Merrion Street, Dublin 2. <p> <strong>8.&nbsp; <u>Remuneration Policy </u></strong> </p> <p> Philip O'Reilly Hooper Dolan Insurances Ltd. is remunerated by commission from insurers or product producers and/or arrangement fees. Philip O'Reilly Hooper Dolan Insurances Ltd enjoys volume and profitability arrangements with the leading insurers enabling us to offer preferential rates for some classes of risk. We may charge you an arrangement fee based on the nature and complexity of the service which we provide, and the time involved in providing such service. Our fee will be communicated to you at new business, renewal and mid-term alteration stage and will be clearly set out in our documentation issued to you. </p> <p> A Compliance charge may be charged - this amount is retained by us and is included in the overall amount due. A Government levy 3% applies to insurance products - this amount is collected from you and is passed to Government by insurers and is included in the overall amount due. Philip O'Reilly Hooper Dolan Insurances Ltd. may receive commission from product producers or finance companies in respect of credit agreements. Your credit rating may be affected where premium finance is arranged independently of your Insurer. </p> <p> Where rebate premiums arise on general insurance from insurers these will be refunded by us within 5 working days of notification by insurers. A charge may be applied by us in respect of handling such rebates. <p> <strong>9.&nbsp; <u>Default Remedies </u></strong> </p> Philip O'Reilly Hooper Dolan Insurances Ltd. will, if necessary, exercise its legal right to receive any payments due to it from clients for business services provided by it and to be reimbursed for any value obtained by this firm for clients arising from payments by this firm on behalf of clients who subsequently default in any payment due to this firm. </p> <p> Product producers may withdraw benefits or cover on default of any payments due under any products arranged for your benefit. Details of these provisions will be included in your product terms and conditions. <p> <strong>10.&nbsp; <u>Good Faith </u></strong> </p> You are reminded that it is your responsibility to provide all material information likely to influence the acceptance and assessment of your insurance. If you have any doubts as to whether a fact is material it should be disclosed. Failure to disclose all material facts may invalidate your policy or may result in your policy not operating fully. <p> <strong>11.&nbsp; <u>Optional Insurance Products or Additional Insurance Products </u> </strong> </p> At the inception of a new policy or on a subsequent renewal we may offer you various optional insurance products or services such as legal protection or personal accident. Such optional covers or benefits will be clearly indicated to you as such and the cost will be shown separately on our documentation. If you wish to avail of these optional extras covers or benefits please inform us or remit the appropriate premium. <p> <strong>12.&nbsp; <u>Data Protection </u></strong> </p> Philip O'Reilly Hooper Dolan Insurances Ltd is a Data Controller as defined in the Data Protection Act 1988 and 2003. We collect data in order to provide the highest standard of service to you. We take great care with the information provided taking steps to keep it secure and to ensure that it is only used for legitimate purposes. To fulfil these objectives, we may share information with other affiliated professionals. The information and other data provided to our office may be used to advise you of products and services which may be offered to you from time to time. </p> <p> Effective date: 26 July 2010</p> <p> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;</p> <!-- InstanceEndEditable --> </td> </tr> </table> </td> </tr> </table> </td> </tr> </table> </td> </tr> </table> <table width="780" border="0" align="center" cellpadding="0" cellspacing="0"> </table> <table width="780" border="0" align="center" cellpadding="0" cellspacing="0"> </table> <table width="750" border="0" align="center" cellpadding="2" cellspacing="0"> <tr> <td> <div align="right"> <table width="100%" cellspacing="0" cellpadding="0" border="0"> <tr> <td width="83%" height="40"> <div align="left"> <span class="footerlinks"> <br /> Philip O Reilly Hooper Dolan Insurances Ltd., is regulated by the Financial Regulator as a Multi Agency Intermediary. <br /> <br /> Philip O Reilly Hooper Dolan Insurances Ltd. <br /> Registered in Ireland. Registered Office: Trinity House, Charleston Rd, Ranelagh, Dublin 6. <br /> Registration No. 375580</span><b><br /> <span class="footerlinks">Tel: + 353 65 68 44448&nbsp; Fax: + 353 65 68 20496&nbsp;&nbsp;&nbsp;E-Mail:<a href="mailto:info@philiporeilly.com"><font color="#FFFFFF">info@philiporeilly.com</font></a></span><br /> <br /> </b> </div> </td> <td width="9%" rowspan="3"> <div align="right"> <img src="../images/iso.gif" alt="ISO 9001 Quality Assured Firm" width="50" height="45" border="1" /><img src="../images/iba_logo.gif" width="50" height="46" vspace="10" /></div> </td> </tr> <tr> <td class="sidebarWhiteLink"> <div align="left"> <a href="../index.htm" class="sidebarWhiteLink">Home </a>- &nbsp;<a href="../property/index.htm" target="_parent" class="sidebarWhiteLink">Property </a>- <a href="../finance/index.htm" target="_parent" class="sidebarWhiteLink">Finance </a>- <a href="index.htm" target="_parent" class="sidebarWhiteLink">Insurance </a>- <a href="../mortgages/loan-centre/index.htm" target="_parent" class="sidebarWhiteLink">Mortgage Centre </a>- <a href="../taxcentre/index.htm" target="_parent" class="sidebarWhiteLink">Tax Centre </a>- <a href="../Quotation.htm" target="_parent" class="sidebarWhiteLink">Quotation Centre </a>- <a href="../about_us_1.htm" class="sidebarWhiteLink">About Us </a> - <a href="../site-map.htm" target="_parent" class="sidebarWhiteLink">Site Map </a> - <a href="../news.htm" class="sidebarWhiteLink">News</a> - <a href="../news.htm" class="sidebarWhiteLink"><font color="#FFFFFF"> <br /> </font></a><a href="../property/JargonBuster.htm" class="sidebarWhiteLink">Jargon Busters </a><font color="#FFFFFF">-</font> <font face="Verdana, Arial, Helvetica, sans-serif" size="1"><a href="../comments_1.htm" class="sidebarWhiteLink">Comments </a><font color="#FFFFFF">-</font> </font><a href="mailto:info@philiporeilly.com" class="sidebarWhiteLink"> E-Mail </a><font color="#FFFFFF">-</font><small class="sidebarWhiteLink"><font color="#FFFFFF"><a href="terms of bus Dec 2010.pdf" class="sidebarWhiteLink">Terms of Business</a> - </font><a href="product_providers_ins.html" class="sidebarWhiteLink">Product Providers</a></small> - <small class="sidebarWhiteLink"><a href="status.htm" class="sidebarWhiteLink">Statement of Authorised Status </a>-&nbsp;<font face="Verdana, Arial, Helvetica, sans-serif" size="1"><a href="../privacypolicy.htm" class="sidebarWhiteLink">Privacy Policy </a></font></small><small class="sidebarWhiteLink">&nbsp;</small> </div> </td> </tr> <tr> <td height="24" valign="top" class="sidebarWhiteLink"> <div align="left" class="footerlinks"> </div> </td> </tr> </table> <br /> </div> </td> </tr> </table> <script type="text/javascript"> var gaJsHost = (("https:" == document.location.protocol) ? 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