The Financial Conduct Authority
Protection Heroes is a trading style of The Mortgage Hive LTD who are authorized and regulated by the Financial Conduct Authority (FCA 844138). The Mortgage Hive LTD, registered in England No: 11458136. Registered office: 707B Wimborne Road, Winton Bournemouth, Dorset, BH9 2AU.
Our Services and who we are
Customers in the UK can choose from a variety of pure & essential protection packages offered by Protection Heroes. We operate on your behalf to arrange the following types of insurance products as part of the service we offer: Pure protection products, such as life insurance, critical illness insurance, and income protection; you can get an advise should you wish to have it by talking to our advisors. You may be able to apply online but you will have to decide how to proceed after answering any questions we may ask you in order to limit the number of insurance products we will discuss. Whatever you decide to do, we’ll always ensure to act in your best interests.
Non-Investment Protection and General Insurance Contracts
We do not charge a fee as we will receive commission from the provider/insurer after the policy has been placed on risk.
Our Ethical Policy
We are committed to providing the highest standard of advice and service possible. The interest of our customers is paramount to us and to achieve this we have designed our systems and procedures to place you at the heart of our business. In doing so, we will:
- be open, honest, and transparent in the way we deal with you.
- not place our interests above yours.
- communicate clearly, promptly and without jargon.
- seek your views and perception of our dealings with you to ensure it meets your expectations or to identify any improvements required.
Cancellation rights
Certain protection and insurance contracts allow you the right to cancel after a contract have been put in force. Prior to you entering into a contract of protection or insurance we will provide you with specific details should this apply to include: its duration; conditions, practical instructions and any costs for exercising it, together with the consequences of not exercising it.
Instructions
We prefer our clients to give us instructions in writing, to aid clarification and avoid future misunderstandings. We will, however, accept oral instructions provided they are confirmed in writing.
Complaints
If you wish to register a complaint, please write to [email protected]. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4 567.
Compensation Scheme
If you make a complaint and we are unable to meet our liabilities, you may be entitled to compensation from the Financial Services Compensation Scheme.
Further information about the limits applicable to the different product types is available from the FSCS at http://www.fscs.org.uk/what-we-cover
Client Verification
We may be required to verify the identity of our clients, to obtain information as to the purpose and nature of the business, which we conduct, on their behalf, and to ensure that the information we hold is up-to-date. For this purpose, we may use electronic identity verification systems and we may conduct these checks from time to time throughout our relationship, not just at the beginning.
Law
This agreement is governed and shall be construed in accordance with the Law of England and the parties shall submit to the exclusive jurisdiction of the English Courts.
Termination
The authority to act on your behalf may be terminated at any time without penalty by either party giving 7 days’ notice in writing to that effect to the other, but without prejudice to the completion of transactions already initiated. Any transactions effected before termination and a due proportion of any period charges for services shall be settled to that date.
DECLARATION
This is our standard agreement upon which we intend to rely. For your own benefit and protection, you should read the terms carefully. Protection Heroes will require written confirmation via Letter or Email before proceeding.