Future Proof Finance is a trading name of Future Proof Finance Ltd, regulated by the Central Bank of Ireland. These Terms of Business outline the general conditions under which we provide services to you and the responsibilities of both parties. Please read this document carefully. If you have any queries, we will be happy to clarify them. Any material changes to these terms will be communicated to you in advance.

💡 Authorisation & Regulation

Future Proof Finance Ltd is regulated by the Central Bank of Ireland and authorised as a:

• Multi-Agency Intermediary under the Investment Intermediaries Act, 1995 (as amended),
• Mortgage Intermediary under the Consumer Credit Act, 1995,
• Insurance Intermediary under the European Communities (Insurance Mediation) Regulations, 2005.

Copies of our regulatory authorisations are available on request.
You may verify our credentials through the Central Bank of Ireland’s public register at www.financialregulator.ie or by contacting them at 1890 777 777.

🧩 Our Services

We are authorised to provide financial advice and transmit orders on your behalf in relation to:

Financial Products:

• Mortgages
• Relevant Collective Investment Scheme Instruments
• Tracker Bonds
• Insurance Policies
• Personal Retirement Savings Accounts (PRSAs)

We will forward service/product orders to product providers with whom we hold an official appointment.

Mortgage Fees

• We may receive up to 1% (or the maximum permitted) of the loan amount from the mortgage lender for arranging your mortgage.
• In certain cases, especially involving specialist lendinG, a fee of up to €1,000 may apply, depending on the complexity and time involved.

Payment Default

We reserve the right to recover any outstanding fees or payments due for services provided. Where a policy is renewed in good faith on your behalf, we may seek reimbursement for payments made to insurers.
Please refer to your policy documents for full information, as product producers may withdraw benefits or cover in the event of non-payment.

🏢 Consumer Protection & Compensation

We are a member of the Investor Compensation Scheme, established under the Investor Compensation Act, 1998, which provides compensation to eligible investors where it is deemed that their money or investment instruments cannot be returned.
Compensation applies only if:

• You are deemed an eligible investor, and
• The firm cannot return funds or investment instruments, and
• The loss is recognised under the Act.

The compensation payable is the lesser of:

• 90% of the recognised loss, or
• The amount specified under the Act.

We also hold Professional Indemnity Insurance for additional protection.

✅ Conflict of Interest

Our policy is to avoid conflicts of interest. If an unavoidable conflict arises, we will notify you in writing before providing any related service. If you have not been advised of any conflict, you may assume none exists.

Complaints Procedure

Any complaints should be made in writing to:

Future Proof Finance Limited, Lucan County Enterprise Centre, Lucan Co Dublin.
Ph: 01 505 6934 Mobile 086 602 1353 Email: info@futureproof.ie

We will acknowledge your complaint within 5 business days and investigate promptly. A copy of our complaints procedure is available on request.

• If you are dissatisfied with our response, you may refer the matter to:
  • Financial Services Ombudsman – Phone: 1890 882 090
  • Pensions Ombudsman – Phone: 01 6471650

Product Suitability

The suitability of financial products depends on your individual circumstances. For us to provide appropriate advice, you must provide complete and accurate information. If not, our recommendations may be less suitable.

• Before purchasing any product, you will receive:
  • A statement of suitability
  • The reasons why a chosen product fits your needs

We recommend regular reviews of your financial products, especially when your circumstances change.

Duty of Disclosure & Utmost Good Faith

Under Irish law, insurance contracts require full disclosure and utmost good faith. You must disclose all material information before a policy is initiated.

• Failure to do so may result in:
  • Cancellation of the policy from inception
  • Recovery of previously paid claims

All proposal forms, claim forms, and declarations must be accurate and truthful. The responsibility for accuracy lies solely with you, the client.

Claims

Notify your insurer as soon as a claim arises. They will provide details of their claims process. If you experience any issues, contact us and we will assist.

Future Proof Finance Ltd
Parnell Plaza, The Hub Ace Enterprise Park, Clondalkin, Dublin, D22 TX92, Ireland

Data Protection

We comply with the Data Protection Acts 1998 & 2003. Your data is stored securely for the purpose of arranging financial transactions. Records are retained for at least six years, and you may request copies (a fee may apply).

We may contact you regarding financial services that we believe may be of interest. If you do not wish to receive marketing communications, please tick the relevant box on the Terms of Business acknowledgment letter.

We may also receive referrals from associated firms and may inform them of transactions completed for you.

Contact Details

Future Proof Finance Ltd
Lucan County Enterprise Centre, Lucan, Co. Dublin
Phone: 01 505 6934
Mobile: 086 602 1353
Email: info@futureproof.ie

Governing Law

These Terms of Business are governed by the laws of the Republic of Ireland and are valid until further notice.

📞 Get in touch today and let’s start planning your financially secure retirement.