Protection Terms of Business

Our Promise

Lucid International aim to be a cut above the rest. We pride ourselves on our professional service, treating our clients fairly and most important of all, using simple and understandable terms to give our advice.

Lucid International is a trading style of AS Financial which is regulated by the Financial Conduct Authority. Regulatory Number 527263. As part of this, you are protected by the Financial Services Compensation Scheme.

Please note that while AS Financial is a regulated business, not all transactions are regulated by the FCA. Please speak further with your advisor for any queries.

Protection

DO	DON'T
Life Insurance Income Protection Critical Illness Accident and Sickness	General Insurance We do though, have a preferred partner, Safe and Secure www.safeandsecure-ins.com Unemployment Any protection with an investment element, regulated investments, pensions and tax products. For advice on these, please ask about our sister company: Atlantic Swiss www.atlanticswiss.com

What we do for you and our fees

STAGE 1
Undertake a detailed consultation where we ascertain exactly what you are looking for and your current situation. You will receive some initial thoughts, potential options and some indicative advice.	NO FEE
STAGE 2
Undertake bespoke research for your current situation. This will include researching all of our range of insurers.	NO FEE
STAGE 3
Recommend a provider and product	NO FEE
STAGE 4
Make a full application to the recommended provider on your behalf.	NO FEE
STAGE 5
Produce a statements of demands and needs an detailing the protection you have applied for and the reasons for it.	NO FEE
STAGE 6
Answer all queries the provider has and process the application to get our clients the best terms possible.	NO FEE
STAGE 7
Present to you the terms offered and start your cover.	NO FEE TO YOU At this stage the provider will pay any commission to AS Financial

You

• are responsible for giving all instructionsin writing (email preferable)
• are responsible for the information you give to your advisor. Please note that the information on the application form is crucial to a successful claim. Please check carefully this information, which will be supplied to you.
• should retain the confirmation documentation we send you as a record of the advice given
• should check that the terms offered are within your budget and what you expected

Complaints

In the unlikely event you wish to make complaint, AS Financial do have a fully regulated complaints handling process and in the first instance I would ask you to make a written complaint (you can make this in email to saul@as-financial.com).

Data Protection

Lucid International takes the security and privacy of our clients data very seriously. Lucid Internaitonal subscribes to the 8 individual rights of the General Data Protection Regulation (GDPR) from the Information Commissioners Office.

Please visit https://ico.iorg.uk for more details.

By signing these terms you state that you understand we will pass selected information to third parties for legitimate reasons, none of which are ever marketing and advertising. We will also contact you about all the products we offer, detailed in this agreement. We will never pass your details to any firm for marketing purposes.

You also understand that we keep your data on secure 3rd party software.

You are entitled to ask for a copy of all the data pertaining to you on our systems.

If you would like further details on our privacy policy please request our detailed document.

Client Consent

We recommend you read these terms carefully. If you do not understand any point please ask for clarification.