Authorisation and Codes of Conduct

We confirm we are regulated by the Central Bank of Ireland. Our authorisation can be checked on the Central Bank of Ireland register at www.centralbank.ie or by calling them on 01-224 4000 to verify our credentials. Our reference code is C503441. We are also subject to the Consumer Protection Code, Minimum Competency Code and Fitness & Probity Standards which offer protection to consumers. These Codes can also be found on the Central Bank’s website.

Our Services

We are an Insurance and Mortgage Credit Intermediary business. Our principal business is to provide advice and arrange transactions on behalf of our clients in relation to life, pensions, insurance-based investments & mortgage products.

We provide advice on a “limited analysis of the market” basis, which means we provide our services on the basis of a limited number of contracts and product producers/lenders that we have an agency with. We advise you, in our professional opinion, from that selection which will best suit your needs and objectives. While not tied to one product producer the services are not provided on the basis of a fair analysis of the market (i.e. all providers and products).

As part of the process when giving our clients advice on Investments we will need to gather information with regards your investment knowledge and experience, if this information is not provided, we will not be in a position to determine whether the product is appropriate for you.

See below list of Companies we have agencies with.

Life Companies
Aviva Life & Pensions Ireland Dac	Royal London Insurance Dac
Irish Life Assurance plc	Standard Life International Dac
New Ireland Assurance Company plc	Zurich Life Assurance plc

Mortgage Companies
Direct agencies	Through Brokers Ireland Network Services Limited we can offer you Mortgages from the following Lenders:
Dilosk Dac	Nua Money Limited
Haven Mortgages Limited	Permanent TSB plc
Seniors Money Mortgages (Ireland) Limited	The Governor and Company of the Bank of Ireland

Mortgages

Through the lenders or other undertakings with which we hold an agency, we can provide advice on and arrange mortgage products from the following range: fixed-rate loans, we provide mortgage advice on mortgages from the selection of lenders we have agencies with. We will need to collect sufficient information from you before we can offer any advice on housing loans. This is due to the fact that a key issue in relation to mortgage advice is affordability. Such information should be produced promptly at our request. Where the creditor is unable to carry out an assessment of creditworthiness because the consumer chooses not to provide the information or verification necessary for an assessment of creditworthiness, the credit cannot be granted.

Conflict of Interest

It is the policy of our firm to avoid conflicts of interest in providing services to you. However, where an unavoidable conflict of interest arises, we will advise you of this in writing before providing you with any service. A conflict of interest may arise where we or one of our staff may have a financial or other interest in the product or service we are recommending to you. If you have not been advised of any specific conflict, you can assume that none arises.

Remuneration

We are remunerated by commission from product producers in respect of products arranged for clients. Details of these payments are contained in our Summary of Remuneration. In certain circumstances, we may also receive other non-monetary benefits from product producers.

In the event that we charge a fee this will be agreed in writing in advance with you. Where a fee is agreed and a commission is also payable the commission will be offset against the fee and only the balance will be charged to you.

Our Summary of Remuneration is available in our offices on request or on our website www.keyfs.ie.

Complaints

Our firm has in place a written procedure for the handling of complaints. This procedure ensures that all complaints are recorded and acknowledged within 5 business days, investigated properly and that a final response is issued within 40 business days of receipt of the complaint. In the event that you are not satisfied with our handling of your complaint you may refer the matter to the Financial Services and Pensions Ombudsman at Lincoln House, Lincoln Place, Dublin 2 Tel: 01 567 7000 Email: info@fspo.ie, www.fspo.ie.

Default on Payments by Clients

Failure to pay any premium due under a policy of insurance may result in the policy lapsing or being cancelled. Where a mortgage payment is not maintained, this may result in the loss of your home or property.

Investor Compensation

Key Financial Services is a member of the Investor Compensation Scheme established under the Investor Compensation Act 1998. The legislation provides for the establishment of a compensation scheme and the payment, in certain circumstances, of compensation to certain clients (know as eligible investors) of authorised investment firms. Compensation is payable where money or investment instruments owed or belonging to clients and held or managed by the firm cannot be returned to those clients for the time being and there is no reasonably foreseeable opportunity of the firm being able to do so. A right to compensation will only arise where a client is owed money or owns investment instruments held or managed by the firm and where the firm is not in a position to return such money or investment instruments to clients for the foreseeable future.

The maximum compensation payable is 90% of the client’s loss (investment) or €20,000 whichever is the lesser. This compensation is not applicable to investment losses due to market fluctuations.

Brokers Ireland Compensation Fund

Key Financial Services is also a member of the Brokers Ireland Compensation Fund. Subject to the rules of the scheme, in the event of a legal liability arising through the negligence of a member broker or their appointed representatives, payment of compensation is made to eligible claimants. Further details are available from Brokers Ireland at www.brokersireland.ie.

Data Protection

Key Financial Services is committed to protecting your privacy and complying with the General Data Protection Regulation (GDPR) and the Data Protection Act 2018. We collect your personal data for the purpose of providing you with financial services. Your data may be shared with third parties such as product providers, regulatory bodies and other service providers as required in order to provide our services to you.

You have the right to access, amend, erase or restrict the processing of your personal data. For more information on your rights and our data protection practices, please refer to our Privacy Notice, which is available on our website or upon request.

Professional Indemnity Insurance

We hold Professional Indemnity Insurance which provides protection for clients in the event of negligent advice given by our firm. Further details are available on request.

Cooling Off Period

Under European Communities (Distance Marketing of Consumer Financial Services) Regulations 2004, where a life assurance policy, personal pension policy or other financial product is arranged by distance means (e.g. internet or telephone), you may have a right to withdraw from the contract within 14 days of entering into it, or in the case of life assurance within 30 days. You should refer to the relevant product documents for full details.

Terms & Conditions of Business

These Terms of Business form the basis of the contract between our firm and you. They are subject to Irish law and the jurisdiction of the Irish courts. These Terms of Business are effective from 24/03/2026 and remain in force until further notice.