Combined Initial Disclosure DocumentChelmo Limited (trading as GetPaidTo)
1759 London Road
Leigh On Sea
1. THE FINANCIAL CONDUCT AUTHORITY (FCA)
The FCA is the independent watchdog that regulates financial services. This document is designed by the FCA to be given to consumers considering buying certain financial products. You need to read this important document. It explains the service you are being offered and how you will pay for it.
2. WHOSE PRODUCTS DO WE OFFER?
We can provide quote indications from a specific number of insurers and insurance brokers. In some instances, we will offer quote indications from a single insurer or insurance broker. If we offer a price comparison service, the insurers and insurance brokers from whom we provide quote indications are set out on the quote indication results page. The insurers and insurance brokers are also listed alongside any rewards which may be payable if purchasing insurance from these insurers and insurance brokers.
You are able to obtain a full quote from those insurers or insurance brokers by clicking on their entry when listed. We do not provide full quotes ourselves.
3. WHICH SERVICE WILL WE PROVIDE YOU WITH?
We offer you the opportunity to earn rewards when purchasing insurance from third party insurers and insurance brokers, or from price comparison services which enable you to compare prices for insurance. You will be required to visit a third party website in order to purchase insurance. We not offer insurance ourselves and we do not sell insurance to you directly.
You will not receive advice or a recommendation from us on any insurance products. We may ask some questions to narrow down the selection of products on which we provide details. You will then need to make your own choice about how to proceed based on your own circumstances.
Any rewards offered in respect of any insurance products listed on our website do not constitute endorsements of that insurance product, or any other insurance product.
4. WHAT WILL YOU HAVE TO PAY US FOR OUR SERVICES?
You will not have to pay us anything for our services. If you choose to purchase insurance from a third party insurer or insurance broker listed on our website, we may be paid a commission from that insurer or insurance broker. If you earn a reward from us when purchasing insurance from third party insurers and insurance brokers, the reward you receive will be derived from this commission
5. WHO REGULATES US?
Chelmo Limited (trading as GetPaidTo), Sutherland House, 1759 London Road, Leigh On Sea, Essex, United Kingdom SS9 2RZ is authorised and regulated by the Financial Conduct Authority. Our Financial Services Register number is 605625.
Our permitted business is making arrangements with a view to transactions in non-investment insurance contracts to retail (non-investment insurance) customers.
You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/firms/systems-reporting/register or by contacting the FCA on 0800 111 6768.
6. WHAT TO DO IF YOU HAVE A COMPLAINT
If you wish to register a complaint, please contact us:
Write to Chelmo Limited, Complaints Department, Sutherland House, 1759 London Road, Leigh On Sea, Essex, United Kingdom SS9 2RZ
Email to firstname.lastname@example.org
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service if it falls within their remit.
7. ARE WE COVERED BY THE FINANCIAL SERVICES COMPENSATION SCHEME (FSCS)?
We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.
Most types of investment business are covered up to a maximum of £50,000.
Further information about compensation scheme arrangements is available from the FSCS.