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Terms of Business
Regulatory Status with the Irish Financial Services Regulatory Authority
Michael Cowman T/A Cowman & Company is regulated by the Financial Regulator as a Multi Agency Intermediary and a Mortgage Intermediary. Our Central Bank No is 6988. & our Authorisation No is A 000053
Our Services
Conflicts of Interest
It is our policy to avoid conflicts of interest in providing you with the services we offer. If this is not possible we will notify you as soon as possible after we become aware of a conflict of interest. In such cases we shall ensure that you are treated fairly at all times.
Compensation Scheme
This Company is a member of the Investor Compensation Scheme operated by the Investor Compensation Company Ltd and we also carry our own Professional Indemnity Insurance (see appendix 2)
Complaints
We would ask that should you have a complaint against our firm relating to the services provided by us that you make that complaint in writing. We will acknowledge your complaint within 14 days and the circumstances surrounding your complaint will be investigated. On completion of our investigation we will send you a written report of the outcome. Should you still be dissatisfied with our handling of your complaint, you are entitled to refer the matter to the Financial Ombudsman
Commission
Michael Cowman T/A Cowman & Company is currently remunerated by way of commission from the Product Providers and Lending Institutions we are authorised to deal with. Commission from Lending Institutions may vary between 0.35% and 1%.
We currently do not charge additional fees for our services. However you the client will be liable for any outlay such as valuation fees paid on your behalf. We will inform you of any such cost at the outset.
Default
It is the responsibility of you the client to keep up payments on your mortgage and/or your Mortgage Protection Life Assurance Policy.
Your attention is drawn to the following:
It is important to note that your home is at risk if you do not keep up repayments on any loan secured against it.
Insurers and Product Providers may withdraw benefit or cover in the event of default on premiums due on policies such as Mortgage Protection arranged on your behalf. We would refer you to policy documents or product terms for details of such provisions.
Cowman Financial Services will at all times endeavour to provide you (our clients) with the best possible service and to act in the best interest of our clients.
Agencies
We currently hold agencies with the following product producers:
Mortgage Undertakings on behalf of:
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