Carzu is a trading style of Car-Finance.net Limited. Car-Finance.net Limited FRN FRN:679612 is an appointed representative of Jigsaw Finance Limited which is authorised and regulated by the Financial Conduct Authority FRN 679612.
Jigsaw Finance Limited are committed to ensuring that the FCA principle of treating customers fairly (TCF) is applied in all areas of our day to day business activities. We aim to ensure that the TCF principle is emended and rooted through everything that we do. This principle underpins how we operate and function as a business.
This policy is to outline Jigsaw Finances responsibilities towards our customers to ensure we treat them fairly under the FCA’s principle.
This policy has been adopted by our Compliance Committee on behalf of the Board and applies to everyone involved in our business. For the avoidance of doubt, this includes all officers and beneficial owners of the business as well as all employees (i.e. permanent, contract and temporary staff).
This policy also applies to our Appointed Representatives (ARs). In all our dealings with our ARs we manage their compliance as they are all “in house” and are subject to regular audit. If anyone covered by the scope of this policy has any queries, these should be raised with the Director of Compliance.
All firms regulated by the FCA have to support the FCA Sourcebook’s principle that a firm ‘must pay due regard to the interests of its customers and treat them fairly’. The TCF (‘treating customer fairly’) principle aims to raise standards in the way firms carry on their business by introducing changes that will benefit consumers and increase their confidence in the financial services industry.
Specifically, TCF aims to:
o Help customers fully understand the features, benefits, risks and costs of the financial products they buy.
o Minimise the sale of unsuitable products by encouraging best practice before, during and after a sale.
o All firms must be able to show consistently that fair treatment of customers is at the heart of their business model and above all, customers expect financial services and products that meet their needs from firms they trust.
What does treating customers fairly (TCF) mean? Firms are responsible for making sure customers are treated fairly. The FCA’s principles apply to all business behavior and in particular Principle 6 says: ‘A firm must pay due regard to the interests of its customers and treat them fairly’.
The TCF principles aim to raise standards and increase consumer confidence in the financial services industry.
The TCF initiate aims to deliver six outcomes.
At Carzu we are dedicated to treating customers fairly and putting our customers at the heart of everything we areas of our day to day activities. As a result, TCF an integral part of our culture and is embedded in all aspects of business and values.
S – Suitable products – Outcome 2
T – Transparent information – Outcome 3
A – Appropriate advice – Outcome 4
N – No post sale barriers – Outcome 6
C – Confidence in our culture – Outcome 1
E - Expectations fulfilled – Outcome 5
o Provide accurate information.
o Ask us if you are uncertain about any aspect of the product or service.
o Read any literature made available to you.
o Use cooling off periods to consider whether to go ahead.
o Keep us up to date if any of your circumstances change.
o Let us know straight away if you feel that you have been treated unfairly so that we can try our utmost to put this right for you.
If you feel that you have been treated unfairly then it is important that you let us know so that we can investigate this straight away. If you wish to make a complaint you can do so here.
Email : firstname.lastname@example.org
Telephone : 01782 450925
Company Address :
Carzu.com Carzu is a trading style of Car-Finance.net Limited. Car-Finance.net Limited FRN FRN:679612 is an appointed representative of Jigsaw Finance Limited which is authorised and regulated by the Financial Conduct Authority FRN 679612. All financial applications submitted to Carzu are processed and/or administered by Jigsaw Finance Limited. Jigsaw Finance Limited is a Broker not a Lender.
Company registration number : 04259645 | VAT No : 823826816 | ICO Registration : ZA124934
Registered Office : Carzu, Genesis Centre, Innovation Way, Stoke-on-Trent, Staffordshire, ST6 4BF
All finance is subject to status and income, applicants must be 18 or over, terms and conditions apply, guarantees and indemnities may be required.
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