Terms of Business Effective April 2026

These Terms of Business outline the general conditions under which Future Proof Finance Ltd trading as Future Proof Finance, TrustPoint Finance, Future Proof Mortgages, will provide services to you and the respective duties and responsibilities of both this firm and you in relation to such services. Please read this document carefully and 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 with the Central Bank of Ireland

Future Proof Finance Ltd regulated by the Central Bank of Ireland Our reference number is C121126.

The firm is authorised as a:

• Investment Intermediary under the Investment Intermediaries Act 1995; ,
• Mortgage Intermediary under the European Union (Consumer Mortgage Credit Agreements) Regulations 2016 and the Consumer Credit Act 1995;
• Insurance Intermediary under the European Union (Insurance Distribution) Regulations 2018.Copies of our regulatory authorisations are available on request.

The Central Bank of Ireland holds registers of regulated firms. You may verify our credentials through the Central Bank of Ireland’s website www.centralbank.ie or by contacting them at 1890 777 777.

Codes of Conduct

Future Proof Finance Ltd is subject to the Consumer Protection Code 2025, Standards for Business, Minimum Competency Code and Fitness & Probity Standards which offer protection to consumers and ensure firms act honestly, fairly and professionally, and secure customers’ interests. These Codes can be found on the Central Bank’s website www.centralbank.ie

 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. A full list of agencies held is available on request.

Fair and Personal Analysis

The principal regulated activities of the firm are transacted on the basis of a fair and personal analysis of the market, i.e., we provide advice to our clients on the basis of a sufficiently large number of contracts and providers available which will enable us to make a recommendation in accordance with accepted professional criteria.

The number of providers that constitutes ‘sufficiently large’ will vary depending on the number of providers operating in the market for a particular product or service and their relative importance in and share of that market. The extent of fair analysis must be such that could reasonably be expected of a professional conducting business, taking into account the accessibility of information and product placement to intermediaries and the cost of the search.  

In order to ensure that the number of contracts and providers is sufficiently large to constitute a fair and personal analysis of the market, we will consider the following criteria:

• the needs of the customer,
• the size of the customer order,
• the number of providers in the market that deal with brokers,
• the market share of each of those providers,
• the number of relevant products available from each provider,
• the availability of information about the products,
• the quality of the product and service provided by the provider,
• cost, and
• any other relevant consideration.

We will provide assistance to you for any queries you may have in relation to the policies or in the event of a claim during the life of the policy 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.

 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.

Sustainability Factors – Investment/IBIPs/Pension Advice

In accordance with the Sustainable Finance Disclosure Regulation (‘SFDR’), we inform you that when providing advice on insurance-based investment products/Investments, we do not assess, in addition to relevant financial risks, relevant sustainability risks as far as this information is available in relation to the products proposed/advised on. This means that we do not assess environmental, social or governance events/conditions that, if they occur, could have a material negative impact on the value of the investment.

When providing advice on insurance-based investment products (‘IBIPs’) or investment advice we do not consider the impacts of our advice that result in negative effects on sustainability factors (namely environmental, social and employee matters, respect for human rights, anti-corruption and anti-bribery matters), because currently there is limited relevant products on the market which meet these criteria. The area of sustainability is relatively new and as the issue progresses, we will review our position.

 Conflict of Interest

It is our policy to avoid conflicts of interest when providing services to clients. However, where a conflict cannot be avoided, it will be disclosed to you in writing before proceeding with the relevant service. A full copy of our conflicts of interest policy is available on request.

✔ Complaints Procedure

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. As such, it is preferable to receive your complaint in writing by contacting:

Future Proof Finance Ltd
Clahane Kilmurray Clane
Co Kildare

W91 E5C7

Phone: 01 505 6934
Email: info@futureproof.ie

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

• In the event you are dissatisfied with the outcome of our investigation, you may refer the matter to:
  • Financial Services & Pensions Ombudsman, Lincoln House, Lincoln Place, Dublin 2, Lo call 01 5677000; email info@fspo.ie
  • Pensions Ombudsman – Phone: 01 6471650

Duty of Disclosure

We act as your representative to the product providers 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.

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 are 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.

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.

Defaults On Payments by Clients

Future Proof Finance Ltd will exercise its legal rights to receive payments due to it from clients (fees) for services provided. Mortgage lenders may seek early repayment of a loan and interest if you default on your repayments. Your home is at risk if you do not maintain your agreed repayments.

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.

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 Future Proof Finance Ltd of a completed proposal does not in itself constitute the effecting of a policy. It is only when the provider or lender confirms the policy is in place or loan is drawn down that your policy is live.

Data Protection

We are subject to the requirements of the General Data Protection Regulation (EU) 2016/679 (‘GDPR’) and the Irish Data Protection Acts 1988 – 2018.

Future proof Finance Ltd is committed to protecting and respecting your privacy. We wish to be transparent on how we process your data and show you that we are accountable with the GDPR in relation to not only processing your data but ensuring you understand your rights as a client. 

The data will be processed only in ways compatible with the purposes for which it was given and as outlined in our Data Privacy Notice, this will be given to all our clients at the time of data collection.

We will ensure that this Privacy Notice is easily accessible and ensure you can easily receive a copy by hard or soft copy.

Please contact us at info@futureproof.ie if you have any concerns about your personal data.

Contact Details 01 505 6934

Compensation

Future Proof Finance Ltd is a member of the Investor Compensation Scheme operated by the Investor Compensation Company Ltd (ICCL). See below for details.

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.

The ICCL was established under the 1998 Act to operate such a compensation scheme, and our firm is a member of this scheme. 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 ICCL at (01) 224 4955.

Brokers Ireland Clients’ Compensation Fund

Future Proof Finance Ltd is also a member of the Brokers Ireland Clients’ Compensation and Membership Benefits Scheme (BIC). Subject to the rules of the scheme the liabilities of its members’ firms up to a maximum of €100,000 per client (or €250,000 per Broker) may be discharged by the fund on its behalf if the member firm is unable to do so, where the above detailed Investor Compensation Scheme has failed to adequately compensate any client of the member. Further details are available on request. [

Future Proof Finance Ltd also holds Professional Indemnity Insurance.

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.