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. Central Bank Register Number: C182042.

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 transmit orders and arrange financial products on behalf of clients with 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.

💸 Remuneration & Income Disclosure

Future Proof Finance may receive remuneration for services provided in the following ways.

1. Commission from Product Providers

We may receive commission from insurance companies, pension providers, investment providers, or mortgage lenders when arranging financial products on your behalf. The level of commission varies depending on the product provider and product type.

2. Mortgage Commission

We may receive up to 1% of the loan amount (or the maximum permitted by lenders) from the mortgage provider for arranging mortgage finance. In certain cases, particularly involving specialist lending, a broker fee of up to €1,000 may apply depending on the complexity of the case.

3. Client Fees

In some circumstances, we may charge a fee for financial planning, advisory services, or ongoing financial reviews. Any fees will be disclosed and agreed with you before services are provided.

4. Combination of Fees and Commission

Certain services may involve both a client fee and commission from product providers.

5. Ongoing Commission (Trail Commission)

Where applicable, we may receive ongoing commission for servicing policies and providing ongoing advice. You are entitled to request a full breakdown of any remuneration associated with your policy.

✅ Conflict of Interest

It is our policy to avoid conflicts of interest when providing services to clients. Where a conflict cannot be avoided, it will be disclosed to you before proceeding with the relevant service.

Consumer Protection & Compensation

Future Proof Finance Ltd is a member of the Investor Compensation Scheme, established under the Investor Compensation Act 1998. The scheme provides compensation to eligible investors if a regulated firm cannot return money or investment instruments owed to them.

Compensation is limited to the lesser of:

• 90% of the recognised loss
• The statutory compensation limit

Future Proof Finance Ltd also holds Professional Indemnity Insurance.

✔ Complaints Procedure

If you have a complaint, please contact us in writing:

Future Proof Finance Ltd
Lucan County Enterprise Centre
Lucan, Co Dublin

Phone: 01 505 6934
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
  • Refusal of 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.