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What is your policy on Treating Customers Fairly (TCF)?

Our ‘purpose’ as a business is to enable positive futures for all our customers. Our business is nothing without customers and so it’s crucial we put the customer at the heart of everything we do.

As a responsible business that means we work hard to ensure we offer products which meet customer needs and are fairly and transparently priced. It also means we must offer a standard of customer service which truly serves and distinguishes us from others. And finally it means we need to help customers understand their finances and make informed decisions by providing clear and simple information and promoting the value of financial advice.

We comply with the FCA’s TCF principles and have embedded them into our culture and processes; from product design and marketing, to the point of sale, and servicing existing client accounts. We make it easy for you and your client to do business with us. All employees are required to sit a computer-based training course on TCF annually and complete a test to ensure understanding of our TCF policies.