Legal Name – Blueprint Capital Ltd.
Trading Name – Blueprint Financial Planning
Address – 2nd Floor, Office 4, 13 North Street, Skibbereen, Co Cork
Contact Details – 085-1126454 / john@blueprintfp.ie
Effective Date – From 25th June 2024
These Terms of Business set out the general terms under which this firm will provide business services to you and the respective duties and responsibilities of both the firm and you in relation to such services. Please ensure that you read these terms thoroughly and if you have any queries we will be happy to clarify them. If any material changes are made to these terms we will notify you.
AUTHORISED STATUS
Blueprint Capital Ltd t/a Blueprint Financial Planning is regulated by the Central Bank of Ireland as an Investment Intermediary under the Investment Intermediaries Act, 1995 (as amended) and as an Insurance Intermediary under the European Union (Insurance Distribution) Regulations, 2018. Blueprint Capital Ltd t/a Blueprint Financial Planning regulatory number is C94380. The Central Bank of Ireland maintains a register of all regulated firms www.centralbank.ie.
Our certificates of authorisation are on display in our office at Office 4, 2nd Floor, 13 North Street, Skibbereen, Co Cork. A copy is available to you on request, please email john@blueprintfp.ie
STATUTORY CODES
The Company is subject to and complies with the Consumer Protection Code, the Minimum Competency Code and the Fitness and Probity Standards. These Codes offer protection to consumers and can be found on the Central Bank of Ireland website www.centralbank.ie
OUR SERVICES
We are an Insurance and Investment Intermediary. Our principal business is to provide advice and arrange products on behalf of clients in relation to Life, Pensions and Investments. We are not under a contractual obligation to conduct insurance distribution business exclusively with one or more insurance undertakings. We give advice based on a fair analysis and provide advice from the selection of products provided by the companies we have agencies with. We recommend the product that, in our professional opinion, is best suited to your needs and objectives from this selection of products.
Blueprint Capital Ltd t/a Blueprint Financial Planning are a member of Brokers Ireland.
As part of the process when giving our clients advice on investments, we will need to gather information with regards your investment knowledge and experience, if this information is not provided, we will not be able to determine whether the product is appropriate for you.
Companies we have agencies with;
Investment and Life Companies
Aviva Life & Pensions Ireland DAC New Ireland Assurance Co plc
Irish Life Assurance plc Royal London
BCP Asset Management DAC Standard Life
MMPI Limited Independent Trustee Co Ltd
Cantor Fitzgerald Ireland Ltd Zurich Life Assurance plc
With the significant number of appointments we hold we can offer our clients an extensive choice of suitable products on a fair and personal analysis basis that best serve their needs and circumstances. The Company does not have any ‘tied’ relationships with any institution that would compromise our ability to offer clients impartial advice and choice. We represent our customers when dealing with insurers.
DISCLOSURE OF INFORMATION
We act as your representative to the companies we have agencies with, and we will provide assistance on any queries you may have in relation to the policies or in the event of a claim during the life of the policies and we will explain to you the various restrictions, conditions and exclusions attached to your policy. However, it is your responsibility to read the policy documents, literature, and brochures to ensure that you understand the nature of the policy cover. Material information about medical history, non-smoker status, occupation category and any hazardous pursuits are central to underwriting decisions and it is imperative that all information you provide to the insurer is accurate and complete. You are under a duty to answer all questions posed by the insurer or ourselves on your behalf, honestly and with reasonable care. It is presumed, unless the contrary is shown, that you would know all questions in an application or at renewal is material to the risk undertaken by the insurer or the calculation of the premium by that insurer, or both. Any failure to disclose material information may invalidate a claim and render your policy void. You must inform and disclose any material information including any material changes that might take place between the time you complete an application form and the time your pay the first premium. To assist us in providing you with a comprehensive service and to keep our records as up-to date as soon as possible, please notify us of any changes to your personal circumstances, e.g., name change, change of address, etc
REMUNERATION POLICY
Blueprint Capital Ltd t/a Blueprint Financial Planning are remunerated by commission from product producers on the completion of business. You may choose to pay in full for our services by means of a fee. Where we receive recurring commission, this forms part of the remuneration for ongoing advice with regards to the business we advise you on and we will provide you with an annual update on your investment business. If we receive commission from a product provider, this will not be offset against the fee which we may charge you. A summary of the details of all arrangements for any fee, commission, other reward or remuneration paid or provided to us by the product producers is available on our website. If you need further explanation on this information, please do not hesitate to contact us.
FEES
Our current appointment fees are set out below.
Financial Planning Consultations range from €250 to €1000 depending on the complexity of the advice and level of work involved. All fees will be disclosed and agreed upon before work commences
REGULAR REVIEWS
It is in your best interests that you review, on a regular basis, the products which we have arranged for you. As your circumstances change, your needs will change. Please advise us of those changes and request a review of the relevant policy so that we can ensure that you are provided with up-to-date advice and products best suited to your needs.
CONFLICTS OF INTEREST
Where an unavoidable conflict of interest arises, we will advise you of this in writing before providing you with any service. As per above remuneration policy we receive payment from the companies we have agencies with, for the business you transact.
DEFAULTS ON PAYMENTS BY CLIENTS
Blueprint Capital Ltd t/a Blueprint Financial Planning will exercise its legal rights to receive payments due to it from clients (fees) for services provided.
CLIENT MONIES & RECEIPTS
We request that all cheques or negotiable instruments are made payable to the appropriate Product Provider for Life, Pensions, Investment business. We shall issue a receipt for each payment received, these receipts are issued with your protection in mind and should be stored safely. Every effort is made to ensure that clients’ money is transmitted to the appropriate Product Provider without delay. We are not authorised to accept cash. The acceptance by Blueprint Capital Ltd t/a Blueprint Financial Planning of a completed proposal does not in itself constitute the effecting of a policy. It is only when the Provider confirms the policy is in place that your policy is live.
COMPLAINTS
We have a complaints procedure in place which is available on request. Your complaint can be in writing, email, telephone, or face to face. If your complaint is face to face or by phone, we will write to you to confirm our understanding of your complaint. We will acknowledge your complaint within 5 business days, advising you of the name of the person dealing with your complaint on behalf of the company. All complaints should be sent for the attention of John O’Driscoll, 2nd Floor, Office 4, 13 North Street, Co Cork. The e-mail is john@blueprintfp.ie. If in the event a complainant is dissatisfied with the outcome of our investigation, you are entitled to refer the matter to the Financial Services & Pensions Ombudsman, Lincoln House, Lincoln Place, Dublin 2, Lo call 01 5677000 email info@fspo.ie.
DATA PROTECTION
We comply with the requirements of the Data Protection Acts 1988-2018. Blueprint Capital Ltd t/a Blueprint Financial Planning is committed to protecting and respecting your privacy. Our Data Privacy Notice will be provided to you at the time of data collection. We may use third party providers for onboarding of clients, these companies will also be regulated and adhere to the General Data Protection Regulations.
COMPENSATION SCHEME
We are members of the Investor Compensation Scheme. The Investor Compensation Act, 1998 provides for the establishment of a compensation scheme and the payment, in certain circumstances, of compensation to certain clients (known as eligible investors) of authorised investment firms, as defined in that Act. Compensation may be payable where money or investment instruments owed or belonging to clients and held, administered, or managed by the firm cannot be returned to those clients for the time being and where there is no reasonably foreseeable opportunity of the firm being able to do so. A right to compensation will arise only: If the client is an eligible investor as defined in the Act; and if it transpires that the firm is not in a position to return client money or investment instruments owned or belonging to the clients of the firm; and to the extent that the client’s loss is recognised for the purposes of the Act. Where an entitlement to compensation is established, the compensation payable will be the lesser of 90% of the amount of the client’s loss which is recognised for the purposes of the Investor Compensation Act, 1998; or compensation of up to €20,000. For further information, contact the Investor Compensation Company Ltd. at (01) 224 4955
CHANGES TO THESE TERMS OF BUSINESS
We will modify these terms of business from time to time by written notice to reflect our current practice and/or changes to regulatory requirements which we are obliged to meet. These Terms of Business are effective from 25th June 2024 until further notice. Please retain the Terms of Business document for your records.