Terms Of Business

Atlantic Wealth Management Ltd.

Address: Eyre Street, Galway, H91 P295

Email: niall.leyden@ilfinpp.ie Mobile: 087 1222655

Terms of Business

These Terms of Business set out the basis on which I will provide business services to you as a

customer. Please take a few minutes to read through these and if you have any questions I will be

happy to answer them.

A. My full name, address and contact details are set out on the top of this document.

B. Atlantic Wealth Management Ltd. is not part of a group.

C. I am registered to undertake insurance mediation under the European Union (Insurance

Distribution) Regulations 2018 and I am tied to Irish Life Assurance plc (Irish Life). The

register is available at www.centralbank.ie.

D. Atlantic Wealth Management Ltd. is regulated by the Central Bank of Ireland. Atlantic

Wealth Management Ltd. is subject to the Minimum Competency Code and Regulations

2017, Fitness and Probity Standards 2014 and the Consumer Protection Code 2025 which

can be viewed on www.centralbank.ie.

E. I can arrange products and services including life assurance and pensions. If you take part in

a financial review, I will advise you on the products detailed below. If you then agree to buy

a product following a financial review, I will arrange your application for the product. The

advice will be based on the full and accurate completion of a factfind, which you will be

asked to certify. The product(s) recommended to you will be based on the analysis of your

needs. I will recommend a product only when I believe it is suitable for you but can

recommend products only from the financial services providers shown in Appendix 1.

FG. The products for which I have appointments to act in relation to are life assurance plans

(including life assurance, illness cover, income protection, savings, investments and pension

plans), and Personal Retirement Savings Accounts (PRSA’s), Group Risk and Group Pension

plans. I have an appointment with one product provider only, Irish Life Assurance plc.

H. I receive commission and other payments from Irish Life when I distribute their products.

These payments are included in the charges of your product. The full details of the

commission Atlantic Wealth Management Ltd. receives from Irish Life will be included in

your business pack for PRSAs and products which fall within scope of the Life Assurance

(Provision of Information) Regulations 2001 (as amended). Details of the commissions for

other products are available upon request. As well as offering advice when you take out a

plan, I will also assist you with your queries in relation to your plans and offer you a financial

review every year in return for the remuneration I receive.

I. Before you give me your personal information it is important that you know what your data

protection rights are and how and why I use your personal information. This is set out in my

Data Privacy Notice, which is always available at https://atlanticwm.ie. I need to collect and

use your personal information to provide you with financial advice and to act as the

servicing agent on your plans. I will keep your personal information for as long as I have a

relationship with you and for any period after that required by law or as needed for

complaints handling.

J. It is my policy to avoid any conflict of interest when providing business services to my

clients. However, where an unavoidable conflict may arise I will advise you in writing before

proceeding to provide any business service, if you have not been advised of any such

conflict you are entitled to assume that none arises.

K. Product producers may withdraw benefits or cover on default of any payments due under

any products arranged for your benefit. Details of these provisions will be included in your

product terms and conditions.

L. If you have a complaint about my service this is the process; I will deal with all complaints

promptly professionally and fairly. You can make a complaint by phone, email, post or in

person. You can contact me in any of the following ways:

Phone me at: 087 1222655

Email me at: niall.leyden@ilfinpp.ie

Write to me at: Eyre Street, Galway, H91 P295

If you are writing or emailing your complaint, please include your phone number so I can

discuss your complaint with you. I aim to acknowledge your complaint within five business

days of receiving it. My target is to resolve all complaints within 15 – 20 business days. If

this is not possible, I will let you know when you can expect a full reply.

You may refer your complaint to the Financial Services and Pensions Ombudsman. They can

be contacted at: FINANCIAL SERVICES AND PENSIONS OMBUDSMAN,

Lincoln House, Lincoln Place, Dublin 2, DO2 VH 29.

Phone: +3531 567 7000

Email: info@fspo.ie

Website: www.fspo.ie

M. I am a member of the Investor Compensation Scheme, which provides certain remedies to

eligible clients on default. The main details of the operation and conditions of the Scheme

are attached at Appendix 2. The scheme is run by the Investor Compensation Company

Limited and it provides a way of paying certain investors compensation, subject to the

relevant limits, if investors suffer financial loss caused by an investment firm being unable

to meet its financial obligations (in other words, pay everything it owes). In the event that a

right to compensation is established, the amount payable is the lesser of ninety per cent of

your loss, which is recognised as being eligible for compensation, or €20,000.

N. The effective date of these Terms of Business is March 2026.

Atlantic Wealth Management Ltd. is regulated by the Central Bank of Ireland. Atlantic

Wealth Management Ltd. is tied to Irish Life Assurance plc for life and pensions business.

Irish Life Assurance plc, trading as Irish Life is regulated by the Central Bank of Ireland.