If you have a complaint about our services, you should first contact the employee you are dealing with. You can file your complaint orally or in writing. If we are unable to resolve your complaint before the closing of the business on the third business day after receiving your complaint, we will confirm your complaint in writing, tell you who is referred to your complaint and when you can count on an additional response, and we will close a copy of our claim procedure. We may request proof of your identity at the beginning of our business relationship. In the absence of such evidence, we may not be able to act for you. In accordance with our obligations under the Proceeds of Crime Act 2002 and other anti-money laundering laws, we may provide the appropriate authorities with certain information that we are aware of or are suspected of money laundering in cases of suspected money laundering. This may delay a transaction and/or a decision that we no longer act for you. We, LONMAR GLOBAL RISKS LIMITED, Corn Exchange, 55 Mark Lane, London EC3R 7NE, are an independent insurance intermediary and we are licensed and regulated by the Financial Conduct Authority (FCA). We also act under the name “Ropner Insurance Services” and “Lonmart.” We treat you as our customers, either where you order us to place a binding authority or a limited binding authority agreement on your behalf, or if you ask us to take out insurance on behalf of your own customers. As a result, you are responsible to your customers in general and compliance with all applicable rules and regulations. You or we are the only ones who have the right to apply the terms of a contract between us.
When we place policies that mention you as insured, you benefit as a direct commercial customer from separate terms and conditions. If we receive premiums from you or fees or premium refunds from an insurer for payment, these funds are held by us on one of the two bases, depending on our agreements with the insurer concerned. We maintain these funds either as an agent, in which case it is treated as the client`s money under the rules of the ACF, or we hold it as an agent of the insurer. In both cases, the funds are subject to the terms of a non-regulatory trust. Since funds held on both bases are protected in the trust, we will generally not inform you of the base that applies. A bribe is an agreement to receive or accept a financial benefit stipulating that a relevant function or activity is therefore performed inappropriately. Our remuneration (in any form) for each policy is payable on the day of the introduction or the date of renewal of this policy.