Serving the people of West Cork since 1985

Terms & Conditions

Ronnie Tanner Financial Services Ltd.

These terms of business set out the general terms under which we will provide
insurance, investment and pension business services to you and the respective duties and responsibilities of both you and ourselves in relation to such services. Please ensure to read these terms thoroughly and if you have any queries, please contact us, and we will be happy to clarify. If any material changes are made to these terms we will notify you.

Name and Contact Details

Ronnie Tanner Financial Services Ltd.

10, North Street, Skibbereen. Co. Cork.

Tel: (028) 22193 | Mobile: (086) 1241049

E-mail: ronnietanner |

Web Site:

Regulatory Status with the Central Bank of Ireland

We are regulated by the Central Bank of Ireland, under Ref. No. C191333. We are
registered as an investment and insurance intermediary under the European
Communities (Insurance Mediation) Regulations, 2005 (as amended), and authorised as an Investment Intermediary (Restricted Activity Investment Product Intermediary) under the Investment Intermediaries Act 1995.

Services Provided

1. Life Insurance/Investment Policies

2. Tracker Bonds

3. Savings Policies

4. Shares in a company or bonds that are listed on a stock exchange

5. Mortgages

We provide life assurance and pensions advice on a limited analysis basis (providing services on the basis of a limited number of contracts and product producers on the market). We provide advice on the following product providers:

Arena Capital Partners Limited

Arena Property Acquisitions Limited

Aviva Life & Pensions

Cantor Fitzgerald Ireland Limited

New Ireland Assurance Company, plc

Standard Life

Royal London

Brokers Ireland – Haven, Permanent TSB, ICS Mortgages and Finance Ireland.

Managing your Requirements

We will make a recommendation for you, after we have assessed your financial needs, by means of a series of questions, appropriate to the nature and complexity of the product or service. Your requirements will be addressed in writing, which explains the reason why the particular product or service is suitable. However, if we cannot match your requirements, we will explain the differences in the service/product we offer, so that you can make an informed choice. On receipt of your instructions, we will transmit orders on your behalf to one or more product producers. We would like to draw your attention to the under-noted section entitled ‘Duty to disclose information’. We will provide you with a summary of the product/service, explaining all the main features, important details of cover and benefits, any significant restrictions or exclusions, and significant conditions that you must meet, as well as the term.

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 also change.
You should advise us of those changes, and request a review of the relevant
product/service, so that we can ensure that you are provided with up-to-date advice
and products best suited to your needs. Failure to contact us in relation to changes in your circumstances, or failure to request a review, may result in you having
insufficient insurance cover and/or inappropriate investments.

Code of Conduct

We are subject to the Central Bank’s Consumer Protection Code, Complaints
handling, Investor Protection, Minimum Competency Code and Fitness & Probity
Standards, Anti-Money Laundering requirements, and Data Protection, which offer
protection to consumers. These Codes can be found on the Central Bank’s web site,
at ‘’

Remuneration Structure

We are remunerated by the Product Producers with whom we hold an agency, after we place business with them, in the form of commission payment. This payment is
taken into account in the quotation provided to you and summary information is
contained in the product information document. Before completion of your
application, it is important that you receive this information, and that you understand the details contained. Full details will be included in the cooling-off letter issued by the product producer.

A summary of the details of all arrangements for any fee, commission, other reward or remuneration provided us, which has been agreed with our product producers can be found here.

We charge a €450 application fee for mortgage applications, however this is fully refundable for all mortgages over €150,000, drawn down within 12 months.

Conflicts of Interest

We are required to comply with a policy of independence and disregard any conflict
of interest when making a recommendation to you. Where an unavoidable conflict of interest arises, we will advise you of the steps we propose to take in order to protect your interests, before providing you with any business service. If you have not been advised of any such conflict, you are entitled to assume that none arises. Our full conflicts of Interest procedure is available on request. We recognise that, for conflicting interest situations, that you may wish to secure the services of another intermediary to assist you.

Duty to disclose Information

It is your responsibility to provide complete and accurate information for insurers,
when arranging an insurance policy. Failure to disclose any material information to
your insurers could invalidate your insurance cover, and could mean that all or part of a claim will not be paid. Failure to disclose any material information to ourselves
could mean that improper advice may be given.

Complaints Procedure

The office of Ronnie Tanner Financial Services Ltd. complies with the Complaint
Handling procedures, as laid out by the Consumer Protection Code.
All complaints are recorded and acknowledged to the complainant within a five
working day period. Regular written updates will be provided every twenty working dates, at the latest. If the complaint has not been resolved within forty days, you have the right to refer the matter to the Financial Services Ombudsman, or the Pensions Ombudsman.

Contact details for pursuing a complaint against the office of Ronnie Tanner Financial Services Ltd., should it arise, are as follows:

Financial Services Ombudsman’s Bureau

Lo-Call: 1890 88 20 90
Address: 3rd Floor, Lincoln House, Lincoln Place, Dublin 2.
Fax: (01) 662 0890

Pensions Ombudsman

Tel: (01) 676 6002
Address: 4th Floor, Lincoln House, Lincoln Place, Dublin 2.
Fax: (01) 661 8776

Compensation Scheme

We are members of the Investor Compensation Scheme, established under Section 38 of the Investor Compensation Act 1998. The Act provides that compensation shall be paid to eligible investors (as defined under the Act) to the extent of 90% of an investor’s net loss or €20,000, whichever is the lesser and is recognised as being
eligible for compensation. Full details of this scheme are available on the Investor
Compensation Company Limited web site at

Premium Handling

We can accept non negotiable cheques or similar instruments for onward transmission to a relevant financial institution. We are not authorised to accept cash or negotiable instruments in any other circumstances.

Failure to Pay or Default

Product Producers may withdraw benefits or cover on default of any payments due
under any products arranged on your benefit. Details of these provisions will be
included in your policy terms and conditions. We will also exercise our legal right to receive any payments due to us for business services provided in the event of a default of payment.

Sustainability Factors

We consider the adverse impacts of investment decisions on sustainability factors in our Investment Advice and our Insurance Based Investment Advice, both at the initial stages of our research, in our recommendations and annually as part of the investment services we provide to our clients. An assessment of sustainability risks are integrated into our Investment Advice and our Insurance Based Investment Advice through the following means:

-The product information provided to us by the Product Producers and Insurers on the integration ofsustainability risks.

-Our professional interrogation of the information provided by the Product Producers and Insurers.

Data Protection

The office of Ronnie Tanner Financial Services Ltd. complies with the requirements
of the General Data Protection Regulation 2018 and the Irish Data Protection Act 2018. Ronnie Tanner Financial Services Ltd. is a Data Controller as defined in the
Act. We collect your personal details in order to provide the highest standard of
service to you. We take great care with the information provided, taking steps to keep it secure and to ensure it is only used for legitimate purposes. To fulfil these
objectives we may share information with other affiliated professionals with your
permission. The data which you provide to us will be held on a computer database and paper files for the purpose of arranging transactions on your behalf. 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 and Data Protection policy. We would also like to keep you informed of insurance, investment and any other services provided by us or associated companies with which we have a formal business arrangement; which we think may be of interest to you. We would like to contact you by way of letter, email or telephone call, under Data Protection legislation we believe that we can demonstrate that we have a legitimate interest in using your data for marketing purposes but you always have a choice. If you no longer wish your information to be used for marketing purposes please write to us, or e-mail us at

You have the right at any time to request a copy of any ‘personal data’ within the
meaning of the GDPR) that our office holds about you and to have any inaccuracies in that information corrected. Please contact us at if you have any concerns about your personal data. Should you require further information our Data Protection Privacy Statement is available for download at or contact us at or 02822193 and we will provide you with same.