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Please download and read this document carefully (in Adobe Acrobat format). It sets out the terms on which we agree to act for our clients and contains details of our regulatory and statutory responsibilities.
Please sign and return one copy of these terms to us in order to confirm your acceptance of them.
Please contact us immediately if there is anything in these terms of business which you do not understand or with which you disagree. We will be happy to answer any questions and will be willing to explain these terms, and the reasons for them, to you.
The following Terms of Business set out the basis on which St Giles Insurance & Finance Services Limited ("STG") will provide business services to you as a private or corporate client of the firm.
It is important to remember that we must be able to identify customer type and be able to distinguish between:
- Retail Customers - individuals acting outside their trade, business or profession, and
- Commercial Customers - customers who are not retail customers.
Regulations differ between these two customer types: If we are in any doubt about whether you are a retail or commercial customer, we will treat you as a retail customer.
These terms will remain in force and shall apply to any business product provided to you now or at a future date. Should the firm change any of its business terms at a future date, these terms will be reflected on our website www.stgilesgroup.co.uk and existing clients will also be advised in writing.
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