This document details the association between Expats-online and their clients. The term

Expats-online refers to Dennis Radford trading as Expats-online in Spain,

1/ We provide insurance products and policies via a number of providers If you require information

regarding the product suppliers we use, it is available on request.

2/ We will carry out a full  financial fact-find in order to determine and understand your current financial circumstances in addition to your future plans, needs and objectives. This includes full due diligence in line with global anti-money-laundering rules as well as questions relating to your attitude to risk and professional financial experience.

3/ We are remunerated with commissions paid to us by insurance companies. There is no fee for the financial planning service we provide. Some investment funds or products within an insurance policy may generate an additional initial commission. If this is the case, we undertake to rebate this commission to you (in full) by way of increased allocation. In the event that a selected fund has an exit penalty, we will highlight these penalties to you in writing. Only in the event that we have taken on the servicing of an existing contract, originating from another advisory firm, will we consider charging a service fee which will be negotiated and agreed in advance with you.

4/All insurance policies are contracts between the client and the insurance company. All financial dealings are conducted directly between you and the financial institution concerned.

5/ Prior to completion of relevant application forms, we will explain to you the type of product recommended and will supply you with the product brochure (and any technical guide) from the relevant financial institution for you to read and retain for future reference. We will take time to explain the product’s charging structure and any possible cancellation penalties that you may incur.