UK insurance directory - cars, money, mortgages, credit cards, loans, debt, banks, travel, health, life & pets.
Our Income| Our money and fees are earned through sponsored advertising. Also, when website users click on certain advertising, we are paid by our sponsors for each click on the advertisement or hyperlink. As Journalist's, we do no more than introduce our website visitors to insurers or brokers (therefore, FSA authorisation is not required). This web site is a news and generic information journal/links directory and does not have any direct payment contracts with our website users. All information on this website is based upon journalistic research. Our main profession or business is Journalism. - the mere display of information about an insurance policy is not a regulated activity. - we do not give advice about or recommend a specific insurance policy. - we do not send any claim forms or handle any claims. - our insurance selling activities are limited to providing information - we do not carry out any insurance administration activities - providing insurance information is incidental to our main profession or business For example, a Journalist would be able to rely on the FSA exclusion to give their website users information about a specific kind of insurance or contact details of a insurance provider without needing to become FSA authorised. As Jounalist's, we can rely on this FSA exclusion even if we receive a commision from our sponsors for introducing our website visitors to them. NOTE FOR THE FINANCIAL SERVICES AUTHORITY (FSA): WE DO NOT HAVE ANY FINANCIAL INTEREST IN ANY INSURANCE OR INVESTMENT PRODUCT. We only communicate non-real time financial promotions. We as Introducers must not: 1. do anymore other than necessary to effect the introduction, which happens via this website 2. complete any forms on behalf of anyone 3. ask the client any direct questions 4. handle client money As ‘introducer appointed representative’, we are not be able to sell insurance, but can only direct customers to an authorised seller. We can effect introductions between customers and the firm (FSA Authorised business) and distribute advertisements. FSA PIA Regulatory Update 51- Arranging deals in Investment : the Financial Services Act 1986. We do not provide any: • Advice on investments • Lead website users to buy, sell and subscribe for or underwrite securities or contractually based investments • Materials that consists of generic buy or sell recommendations, corporate brochures or invitations to invest in particular products or with a particular broker or fund manager • Forms that enable website users to carry out relevant transactions In the FSA’s view, material will not lead or enable a person to engage in relevant transaction where the material is intended merely to raise people’s awareness of matters relating to securities or contractually based investments. In the FSA’s view, the presence on a host publication or service of a hypertext link which is only the name or logo of another website is unlikely itself to indicate that a purpose of the host website is to lead to relevant transactions (or enable them to be entered into). An introduction to an IFA will not constitute arranging investment business on the condition that: the introduction is made with a view to the provision of independent advice. All our introductions are made with a view to the provision of independent financial advice from an IFA. We do not provide independent advice. We do not have any direct commission income from IFAs, insurance brokers and insurance companies. |
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