about our services

1. The Financial Services Authority (FSA)

The FSA is the independent watchdog that regulates financial services. It requires us to give you this document. Use this information to decide if our services are right for you.

2. Whose products do we offer?
Insurance
	We offer products from a range of insurers for Buildings and Contents, ASU, Life and Critical Illness Cover.
	We only offer products from a limited number of insurers. Ask us for a list of the insurers we offer insurance from.
	We only offer products from a single insurer.
Mortgages
	We offer mortgages from the whole market.
	We only offer mortgages from a limited number of lenders. Ask us for a list of the lenders we offer mortgages from.
	We only offer mortgages from a single lender.

3. Which service will we provide you with?
Insurance
	We will advise and make a recommendation for you after we have assessed your needs for Buildings and Contents, ASU Life and Critical Illness.
	You will not receive advice or a recommendation from us for Buildings and Contents, ASU Life and Critical Illness. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.
Mortgages
	We will advise and make a recommendation for you after we have assessed your needs.
	You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.

4. What will you have to pay us for our services?
Insurance
	No Fee.
	A fee.

You will receive a quotation which will tell you about any other fees relating to any
particular insurance policy.

Mortgages
	No fee.
	A fee of £995.00 on completion.
	A fee of £995.00 on completion. We will also be paid commission from the lender.

You will receive a key facts illustration when considering a particular mortgage which will
tell you about any fees relating to it.

5. Refund of fees
If we charge you a fee, and your mortgage does not go ahead, you will receive:
	A full refund The Brokerage reserves the right to charge or with hold any valuation fee paid..
	No refund.

6. Who regulates us?

Dolphin Credit and Finance, Singleton Court,, Wonastow Road, Monmouth, NP25 5JA is authorised and regulated by the Financial Services Authority. Our FSA Register number is 300710. Our permitted business is advising on and arranging mortgages and non-investment insurance business. You can check this on the FSA's Register by visiting the FSA's website www.fsa.gov.uk/register/ or by contacting the FSA on 0845 606 1234.

7. What to do if you have a complaint
If you wish to register a complaint, please contact us:
...in writing	Write to: Dolphin Credit and Finance, Complaints Department, Singleton Court,, Wonastow Road, Monmouth, NP25 5JA
...by phone	Telephone: 01600 775505
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

8. Are we covered by the Financial Services Compensation Scheme (FSCS)?

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.

Insurance

Insurance advising and arranging is covered for 100% of the first £2000 and 90% of the remainder of the claim, without upper limit.

Mortgages

Mortgage advising and arranging is covered for 100% of the first £30,000 and 90% of the next £20,000 so the maximum compensation is £48,000.

Further information about the compensation scheme arrangements is available from the
FSCS.