Our Providers
We hope that you will at all times be satisfied with the Services we provide. In the unlikely event that you wish to complain, then the relevant contact details are as follows: In Writing: The Customer Resolution Manager, Salvo Cutrona of Cutronas Financial Service, 33 Warminster Grove, Winstanley, Wigan WN3 6JF - Phone 01704 832410 - By Email salvo@cutronasfs.co.uk
We will endeavour to deal with your complaint quickly and impartially. The maximum time for handling a complaint is 8 weeks from receipt of the complaint. In the event we are unable to resolve your complaint to your satisfaction you may be entitled to refer it to the Financial Ombudsman Service for an independent review. Details of your right of recourse to the Financial Ombudsman Service will be provided to you at the point of dealing with any complaint.
Cutronas Fs LTD maintains professional indemnity insurance which provides comfort for you in the unfortunate event that a mistake is made in relation to your affairs. In the event of the financial failure of Cutronas Financial service you may have access to the services of the Financial Services Compensation Scheme ("FSCS"). Whether you will depends on the type of business and the circumstances of the claim.
The following provides an indication of FSCS coverage in relation to the business areas in which the Firm operates: Insurance advising and arranging is covered for 100% of the claim arising from death or incapacity without any upper limit. In all other cases cover is 90% of the claim. Mortgage advising and arranging is covered up to a maximum limit of £50,000. Further information is available from the FSCS directly or from the Firm on request.
We reserve the right to amend these terms of business without your consent. In this event, we will provide you with reasonable notice of any changes. As a consequence of any such change you may choose to terminate the relationship with the Firm, and, if you do so this will be without cost to you, provided always that you acknowledge you do at all times remain responsible for making payments to the Firm that may be due under a Client Fee Agreement.
Either party has the right to terminate our relationship at any time without penalty. Notice of this termination should be provided in writing and sent to the usual address of the Firm as set out above, as this will ensure that no confusion arises between us. Should we decide to give you notice, it will be provided in writing to the most recent correspondence address the Firm has on file for you. In the event that you decide to terminate the agreement between us where we have undertaken work on your behalf for which a fee is due pursuant to the Client Fee Agreement, we reserve the right to charge you that fee. Termination will not affect any transactions we have already arranged for you.
You can be assured that we will keep all of your personal information private and confidential, even when you are no longer a client, except where disclosure is made at your request or with your consent, in accordance with these terms of business or where the terms of the Client Fee Agreement apply.
The "Data Controller" for the purposes of the Data Protection Act 1998 ("DPA") is the Firm. The Firm will process your personal data to provide you with advice, to progress any application you may choose to make with a product provider, to comply with any requirement of either Cutronas Fs Ltd and/or the FCA and to market to you in the future in accordance with the terms of the Client Fee Agreement. Under the terms of the DPA you have the right to view any personal data we hold in relation to you. A small charge will be made for providing you with this data and we may require evidence of your identity before the data is released to you. Please write to us in the first instance outlining your request. Your personal data will be stored by the Firm Cutronas Fs Ltd either in paper format or electronically for a minimum of: (a) 6 years: or (b) if longer than 6 years, the duration of our relationship with you the client: In the course of providing you with advice and/or to meet its obligations to both Cutronas Fs Ltd and the FCA some or all of your personal data may be disclosed to (a) product providers (b) regulators (such as the FCA, the Financial Ombudsman and the Information Commissioner's Office) (c) (e) professional advisers and consultants of this Firm, as and when necessary. Such data will be disclosed on a confidential basis and in accordance with the DPA to any such third parties.
These general terms and conditions are governed by and shall be interpreted in accordance with the laws of England. Any dispute arising in connection with these terms shall be subject to the exclusive jurisdiction of the English courts.
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