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Terms and Conditions
Authorisation Statement
JR Financial Services is authorised and regulated by the Financial Conduct Authority. Firm reference number: 647926.
You may check this on the Financial Services Register by visiting the FCA website.
The information contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.
Customer Categorisation
Unless we notify you in writing to the contrary, we will be treating you as a 'Retail Customer'. This means that you are afforded the highest level of protection under the regulatory system and should have the right to take any complaint to the Financial Ombudsman Service. Although we would warn that the Financial Ombudsman Service does not generally consider cases where no advice has been offered or received.
Complaints
If you wish to register a complaint, please write to John Rigney, JR Financial Services, 7 Rochdale Road, Milnrow, OL16 4DT or telephone 01706 638 230. If you cannot settle your complaint with us, you may be entitled to refer it to the independent adjudicator of complaints, the Financial Ombudsman Service (FOS) if you meet the FOS's eligibility criteria. Please see our key facts document for more information. Details of our complaints procedure are available on request.
Compensation Scheme
We are covered by the Financial Services Compensation scheme (FSCS). Please see our key facts document for more information.
Communications
We will communicate with you in English both verbally and written for the sending and reception of orders. To avoid any doubt instructions should be issued in writing.
Right to Cancel
You have thirty days in which you can review and consider your options, if first premium has already been taken this will be refunded by the insurer. You should check the provider literature to confirm the date that this period commences and any charges that may apply following cancellation and (where applicable) the method of exercising your rights.
Identity Verification
We will need to verify your identity and where possible this will be done via an Electronic Identity Checking Service. You should note that although we check your identity electronically in some cases we may still need to request to see original identification documents.
Law
This Customer agreement is governed and shall be construed in accordance with English Law and the parties shall submit to the exclusive jurisdiction of the English Courts.
Force Majeure
Better Insured Limited shall not be in breach of this Agreement and shall not incur any liability to you if there is any failure to perform its duties due to any circumstances reasonably beyond its control.
Termination
The authority to act on your behalf may be terminated at any time without penalty by either party giving seven days notice in writing to that effect to the other, but without prejudice to the completion of transactions already initiated.
The Distance Marketing Directive
The Distance Marketing Directive normally grants you 30 days in which you may cancel a life policy.
Confirmation
This is our standard customer agreement upon which we intend to rely. For your own benefit and protection you should read these terms carefully before proceeding with our service. If you do not understand any point please ask for further information.
JR Financial Services is authorised and regulated by the Financial Conduct Authority. Firm reference number: 647926.
You may check this on the Financial Services Register by visiting the FCA website.
The information contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.
Customer Categorisation
Unless we notify you in writing to the contrary, we will be treating you as a 'Retail Customer'. This means that you are afforded the highest level of protection under the regulatory system and should have the right to take any complaint to the Financial Ombudsman Service. Although we would warn that the Financial Ombudsman Service does not generally consider cases where no advice has been offered or received.
Complaints
If you wish to register a complaint, please write to John Rigney, JR Financial Services, 7 Rochdale Road, Milnrow, OL16 4DT or telephone 01706 638 230. If you cannot settle your complaint with us, you may be entitled to refer it to the independent adjudicator of complaints, the Financial Ombudsman Service (FOS) if you meet the FOS's eligibility criteria. Please see our key facts document for more information. Details of our complaints procedure are available on request.
Compensation Scheme
We are covered by the Financial Services Compensation scheme (FSCS). Please see our key facts document for more information.
Communications
We will communicate with you in English both verbally and written for the sending and reception of orders. To avoid any doubt instructions should be issued in writing.
Right to Cancel
You have thirty days in which you can review and consider your options, if first premium has already been taken this will be refunded by the insurer. You should check the provider literature to confirm the date that this period commences and any charges that may apply following cancellation and (where applicable) the method of exercising your rights.
Identity Verification
We will need to verify your identity and where possible this will be done via an Electronic Identity Checking Service. You should note that although we check your identity electronically in some cases we may still need to request to see original identification documents.
Law
This Customer agreement is governed and shall be construed in accordance with English Law and the parties shall submit to the exclusive jurisdiction of the English Courts.
Force Majeure
Better Insured Limited shall not be in breach of this Agreement and shall not incur any liability to you if there is any failure to perform its duties due to any circumstances reasonably beyond its control.
Termination
The authority to act on your behalf may be terminated at any time without penalty by either party giving seven days notice in writing to that effect to the other, but without prejudice to the completion of transactions already initiated.
The Distance Marketing Directive
The Distance Marketing Directive normally grants you 30 days in which you may cancel a life policy.
Confirmation
This is our standard customer agreement upon which we intend to rely. For your own benefit and protection you should read these terms carefully before proceeding with our service. If you do not understand any point please ask for further information.