Terms of Business Agreement and Initial Disclosure Document

Callaway and Sons are authorised and regulated by the Financial Services Authority. This means you can be sure we meet certain standards and you’re protected in your dealings with us.

Part of this regulation requires us to make our terms of business available to you and to disclose our status. Because it’s a large document, it’s here to download as a PDF file. You’ll need free reader software to view this. If you don’t already have it, you can download it here:

http://www.adobe.com/products/acrobat/readstep2.html

What’s in the terms of business?

Our terms of business outline the following:

How we work with insurers
How you can pay and any charges we might add
How we handle any money you give to us to pay your premiums, and how this is protected
How to cancel your policy, how to terminate your relationship with us, and your cooling-off period rights
How we deal with conflicts of interests
How we handle your confidential information, including recording of phone calls for training purposes
How you can complain
Your responsibilities, including providing us with accurate information and letting us know about any changes in good time.

Download our terms of business