Everyoneneedsaben© Updated 09/07/2018

[email protected]

Client Agreement

This agreement describes the arrangement between Everyoneneedsaben© and

………………………………………….. This agreement is in honour and is intended to be a legally binding contract of business.

Everyoneneedsaben© will do its best:

• To introduce you to how the business works but this is not limited just to comparison websites. We can support you with the following services: financial, technical and or other support E.g. setting up a mobile phone …………………………………… (please select) Please be aware this documents is primarily for clients who require financial direction using a comparison site.
• Everyoneneedsaben© is the trading name of Ben Kemble and that this document is subject to change. Everyoneneedsaben© would like to thank-you for your business.
• To meet at the clients address to discuss your specific support needs and assist you with the relevant assistance that you have identified.
• Everyoneneedsaben© will try to explain the workings of a comparison site and we will respect your skills, dignity and individual wishes and to do our best to meet them.
• Everyoneneedsaben© provides EXECUTION ONLY SERVICE. THIS MEANS NO ADVICE OR RECOMMENDATION HAS BEEN SOUGHT, OFFERED OR RECEIVED.
• Everyoneneedsaben© defines a comparison site to be: a website that compares the price of a particular product or service in different stores or from different companies.
• Everyoneneedsaben© can show you a range of services that the comparison sites offer, this can be for personal and business use and is not limited to: car insurance, house insurance including (contents and buildings insurance), mobile phone contracts, broadband, landline, subscription TV, energy (gas and electric), travel insurance, Van insurance. Car finance, personal credit (credit cards, loans, overdrafts), banking and savings products (personal and business) ex financial planning/Stock market products and services.
• Everyoneneedsaben© can assist you in showing how a comparison site works, how they generate income and how the site displays the results. We can also explain to you both the advantages and disadvantages of using such a site as part of our service to you.
• Everyoneneedsaben© uses multi sites to assist you in selecting the relevant product you have chosen, below is a selection of some of the sites which you will be shown how to use. There are in no specific order or relevance, confused.com©, moneysupermarket.com©, comparethemarket.com©, gocompare.com©, uswitch.com©, totallymoney.com©, martinlewisenergyclub©, martinlewiscreditclub©.
• Everyoneneedsaben© takes no responsibility for any changes which might occur at any time or date following an initial visit to any comparison site and that the service is subject to change. The sites make money through commission and select their own list of external insurers to use. We take no part or payment from third parties and as we are only demonstrating to you how the sites work don’t pay any fees to the comparison sites.
• Everyoneneedsaben© receives no payment from any third party companies and instead charge you a one off non refundable fee of £25 for the service that Everyoneneedsaben© currently offers.
• Everyoneneedsaben© are not an independent financial adviser. We are unable to offer products from the whole market place, we can only demonstrate to you the products/services which the comparison sites have chosen to undertake, we cannot recommend any products/services or policies which have been selected by any site. We will discuss your requirements with you and provide direction to assist you in the product selection you have chosen. Everyoneneedsaben© will assist you in selecting the product or service which you have selected for your present needs. However we cannot recommend any specific products or services because on previous merit and it is up to you the client identify your needs for the best price.

However, if you choose to use our service and pay the Flat Fee charge because at no point have you spoken to a financial adviser this process does not qualify as formal financial advice. As such you cannot claim any protection from the financial ombudsman authority.

• Everyoneneedsaben© always ensures the customer is aware that they need to understand what their individual needs, wants are before the meeting occurs.
• Everyoneneedsaben© has no opinion in the choice of product or its suitability for you but will guide you on how to use the tools provided to select the correct product or service. Should you have any questions relating the product/service these must be directed at the third party company as Everyoneneedsaben© doesn’t underwrite the policies and has no in-depth knowledge of the product you have chosen and cannot comment on the product/service or companies merit. We will never give product recommendation or advice.
• As part of the ongoing service, Everyoneneedsaben© will demonstrate to you how a comparison site works and will show you with examples a range of products/services that might suit your requirements. Everyoneneedsaben© will show the results from the site and explain any differences found there and show the range of prices that the site has produced in its results from the highest to the lowest price range insurer that the site has provided. These are guidelines of the potential savings you could achieve but this is no product recommendation or any suggestion you should choose one of the examples shown to you.
• Everyoneneedsaben© once you have selected the product or service you have identified then all financial dealing must be done with the comparison site or third party company that you may be forwarded and any future communication must be with them.
• The client must be aware that Everyoneneedsaben© is not regulated or approved by the FCA or PRA and you are not covered by the Financial Ombudsman Service or Financial Services Compensation Scheme should problems arise.
• By buying online through a comparison site the services you gain full access to the online products offered by third parties (insurers) that have been discounted, primarily this is because they chose to sacrifice all or some of the commission that they would otherwise be entitled to. All the commission that is given up is used to reduce the premium that you would normally have to pay.
• WE DO NOT HANDLE CLIENT’S MONEY. We will never accept a cheque made payable to us for forwarding to a third party companies unless it is a cheque for our process fees, i.e. Flat Fee service. We never process payment on behalf of the client
• Everyoneneedsaben© require to keep this document and any other relevant documents. The above said, Everyoneneedsaben© provides a non-advised service, but during the course of a sale you suspect that a customer may be considering a product that’s unsuitable for them, or requires assistant with the product or service, we always tell the customer to seek further advice from a third party company. Whilst we can’t give advice, not to say anything would amount to ignoring the customer’s interests and therefore treating them unfairly.
• Everyoneneedsaben© takes no responsibility for the client choosing a product or service that in the future is shown not to suitable for their needs and wants, this can include incorrect or mistaken information has been used by the client, we however would recommend speaking to the insurance company before taking out the policy to ensure that it insured to meets your needs and wants at the time and would recommend reviewing the policy periodically.
• Everyoneneedsaben© “intended to be used and must be used for informational purposes only” and that they should “take independent financial advice from a professional” and “independently research and verify” the information before purchasing a policy.
• I understand that Everyoneneedsaben© doesn’t keep any of my personal information, any information used will be destroyed in 30days but Everyoneneedsaben© does keep records of the type of service it has provided and any savings that has been made can be used for marketing purposes. Everyoneneedsaben© will not use any of your personal information for marketing.
• Everyoneneedsaben© may contact me to advise me that my insurance is up for renewal and that if I choose to use the services of Everyoneneedsaben© then this can be discussed and an appropriate time can be arranged. If however you no longer require the service to please advise us.
• Everyoneneedsaben© keeps records of all our business transactions for at least six years. We treat all our clients’ records as confidential. If you require copies of your records we hold about you, we reserve the right to charge a fee for copies of records. Currently, our charges are £25 per file or part thereof.

Signed on behalf of Everyoneneedsaben©

…………………………………………………………………………….

I…………………………… Date………………………….

agree to the above statement and to do my best:

The ‘Client’ will do my too best:

• I understand the service I am paying for and understand the limitations of this service
• I understand how the business makes money and that is has no affiliation or commission from third parties.
• I understand all the parts of this agreement and if I have any questions to contact Everyoneneedsaben© before the initial meeting.
• Everyoneneedsaben© will keep this record on file and will update this If necessary and I can ask Everyoneneedsaben© at any time for a copy of this document.