Terms of Business

Terms of Business Acknowledgement Letter

Terms of Business Effective Date August 2026

RSK Investlink Limited t/a Medical Financial Advisors

Status

RSK Investlink Limited (‘the Firm’) is regulated by the Central Bank of Ireland.

Terms of Business

Attached are the Company’s Terms of Business, which outline the basis on which we provide services to our clients. Please ensure that you read this document carefully. These Terms of Business apply to all business transactions undertaken for you or services provided to you and will remain in force until further notice. Should we make any material changes to our Terms, we will advise you in advance of providing any further services to you.

Consent to Contact

Here at RSK Investlink Limited we take your data protection seriously and will only use your data as discussed with you in our privacy statement.

However, from time to time we may wish to contact you in relation to specific products, offers, services, competitions we provide. Agreed methods of contact:

• Email
• Phone
• SMS
• Post

* Even if you do subscribe now, you can always unsubscribe at any time.

We would also like to pass your details onto others Zurich, Irish Life, Aviva, so that they can contact you with details of specific products that they provide. If you consent to us passing on your details for that purpose, please tick to confirm agreed method of contact:

• Email
• Phone
• SMS
• Post

* Even if you do subscribe now, you can always unsubscribe at any time.

Terms of Business

RSK Investlink Limited trading as Medical Financial Advisors

These Terms of Business set out the general terms under which our Firm will provide business services to you and the respective duties and responsibilities of both the firm and you in relation to such services. Please ensure that you read these terms thoroughly and if you have any queries, we will be happy to clarify them. If any material changes are made to these terms we will notify you.

Authorisation with the Central Bank of Ireland

RSK Investlink Limited (C448014) is regulated by the Central Bank of Ireland as an insurance intermediary registered under the European Union (Insurance Distribution) Regulations 2018 and as an Investment Intermediary authorised under the Investment Intermediaries Act, 1995. Copies of our regulatory authorisations are available on request. The Central Bank of Ireland holds registers of regulated firms. You may contact the Central Bank of Ireland on +353 1 224 6000 or alternatively visit their website at www.centralbank.ie to verify our credentials.

Codes of Conduct

RSK Investlink Limited is subject to the Consumer Protection Code, Minimum Competency Code and Fitness & Probity Standards which offer protection to consumers. These Codes can be found on the Central Bank’s website www.centralbank.ie

Our Services

Our principal business is to provide advice and arrange transactions on behalf of clients in relation to life & pensions and investment products. A full list of insurers, product producers and lending agencies with which we deal is available on request.

Fair & Personal Analysis

We act as a Broker which means that the principal regulated activities of the firm are provided on the basis of a fair and personal analysis of the market. The concept of fair and personal analysis describes the extent of the choice of products and providers offered by an intermediary within a particular category of life assurance, general insurance, and/or a specialist area. The number of contracts and providers considered must be sufficiently large to enable an intermediary to recommend a product that would be adequate to meet a client’s needs.

The number of providers that constitutes ‘sufficiently large’ will vary depending on the number of providers operating in the market for a particular product or service and their relative importance in and share of that market. The extent of fair analysis must be such that could reasonably be expected of a professional conducting business, taking into account the accessibility of information and product placement to intermediaries and the cost of the search.

In order to ensure that the number of contracts and providers is sufficiently large to constitute a fair and personal analysis of the market, we will consider the following criteria:

• the needs of the customer,
• the size of the customer order,
• the number of providers in the market that deal with brokers,
• the market share of each of those providers,
• the number of relevant products available from each provider,
• the availability of information about the products,
• the quality of the product and service provided by the provider,
• cost, and
• any other relevant consideration.

We will provide assistance to you for any queries you may have in relation to the policies or in the event of a claim during the life of the policy and we will explain to you the various restrictions, conditions and exclusions attached to your policy. However, it is your responsibility to read the policy documents, literature and brochures to ensure that you understand the nature of the policy cover; particularly in relation to PHI and serious illness policies.

Specifically on the subject of permanent health insurance policies we will explain to you;

1. the meaning of disability as defined in the policy;
2. the benefits available under the policy;
3. the general exclusions that apply to the policy; and
4. the reductions applied to the benefit where there are disability payments from other sources.

For a serious illness policy, we will explain clearly to you the restrictions, conditions and general exclusions that attach to that policy.

Sustainability Investing

We will consider adverse impacts of investment decisions on sustainability factors in our investment and insurance-based investment advice. We will gather your preferences of sustainable investing and build them into our Statement of Suitability for you. Ultimately, it is the Product Producers we have agencies with that create the Investment products we advise on, and it will be their documentation we are relying and providing on when advising you on sustainable investments. All information regarding Sustainable Finance Disclosures will be adhered to by the product Providers and their brochures and documents will outline their disclosures.

Remuneration and Fees

We may be remunerated by way of fees, commission, non-monetary benefits, or a combination of these methods. Any non-monetary benefit accepted will be designed to enhance the quality of the service we provide to our clients.

You may choose to pay for our services entirely by fee. Where we receive recurring commission from a product provider, this forms part of the remuneration for the initial advice provided. We reserve the right to charge additional fees where the time required to provide ongoing advice or assistance exceeds 15 hours.

A summary of all fees, commission and remuneration arrangements agreed with product providers is available at our office or on our website: Remuneration Document

In some circumstances, we will charge a fee for our services. Our standard fee rates are set out below. Where additional fees apply, or where you choose to pay entirely by fee, we will notify you in writing in advance and agree the basis of the fee before work commences. Where it is not possible to state the exact fee, we will explain how it will be calculated.

Where we receive commission from a product provider, this will be offset against any fee payable by you. If the commission exceeds the agreed fee, the commission will be retained by the firm unless otherwise agreed with you.

Standard Fee Rates

Additional fees may apply for complex cases or where the work requires specialist expertise, reflects the value of the service provided, or must be completed urgently. Such fees range from €75 to €500 per hour. We will always notify you in advance and agree any additional fees before they are incurred.

Personal Retirement Savings Accounts

For advice relating to Personal Retirement Savings Accounts (PRSAs), the following hourly rates apply:

• Adviser: €150–€500 per hour
• Support Staff: €75 per hour

Additional fees may be charged for complex cases or where specialist expertise, additional value, or urgency is involved. These fees range from €150 to €500 per hour and will be agreed with you in advance.

Any commission received from a product provider in relation to a PRSA will be offset against the agreed fee. Where the commission exceeds the fee due, the commission will be retained by the firm unless otherwise agreed with you.

Commission Clawback

If commission we received from a product producer is clawed back because of early encashment by you or because of the transferring of the assets or business to another provider or in any circumstances consequent on your actions or omissions and that commission had been used to offset the fee which we would have otherwise charged you, we will charge a fee to you that is equal to 100% of the clawed back commission.

Completed Proposal Forms / Statements of Fact

Completed proposal forms or Statements of Facts will be provided to you. These are important documents as they form the basis of insurance contract between the insurer and you the consumer. You should review and confirm that the answers contained within are true and accurate.

You are under a duty to pay your premium within a reasonable time, or otherwise in accordance with the terms of the contract of insurance.

A court of competent jurisdiction can reduce the pay-out to you if you are in breach of your duties under the Act, in proportion to the breach involved.

Disclosure of Information

We act as your representative to the companies we have agencies with, and we will provide assistance to you for any queries you may have in relation to the policies or in the event of a claim during the life of the policies and we will explain to you the various restrictions, conditions and exclusions attached to your policy. However, it is your responsibility to read the policy documents, literature and brochures to ensure you understand the nature of the policy cover. Material information about medical history, non-smoker status, occupation category and any hazardous pursuits are central to underwriting decisions and it is imperative all information you provide to the insurer is accurate and complete.

You are under a duty to answer all questions posed by the insurer or us on your behalf, honestly and with reasonable care. It is presumed, unless the contrary is shown, you would know all questions in an application or at renewal are material to the risk undertaken by the insurer or the calculation of the premium by the insurer, or both. Any failure to disclose material information may invalidate a claim and render your policy void.

You must inform and disclose any material information including any material changes that might take place between the time you complete an application form and the time you pay the first premium.

Before renewal of the contract of insurance, specific questions will be asked. Again, you will be required to answer honestly and with reasonable care. Where you do not provide additional information (after being requested to do so) it can be presumed that the information previously provided remains unchanged.

To assist us in providing you with a comprehensive service and to keep our records up-to-date as soon as possible, please notify us of any changes to your personal circumstances, e.g., name change, change of address, etc.

Cancellation of a Contract of Insurance

If you have taken out a life insurance contract, you may cancel the contract by giving notice in writing to us within 30 days after the date you were informed the contract is on cover.

The giving of notice of cancellation by you will have the effect of releasing you from any further obligation arising from the contract of insurance. The insurer cannot impose any costs on you other than the cost of the premium for the period of cover.

This right to cancel does not apply where, in respect of life insurance the contract is for a duration of six months or less.

An insurer may refuse a claim made by you under a contract of insurance where there is a change in the risk insured, including as described in an “alteration of risk” clause, and the circumstances have so changed that it has effectively changed the risk to one which the insurer has not agreed to cover.

Any clause in a contract of insurance that refers to a “material change” will be interpreted as being a change that takes the risk outside what was in the reasonable contemplation of both you and the insurer when the contract was concluded.

You must cooperate with the insurer in an investigation of insured events including responding to reasonable requests for information in an honest and reasonably careful manner and must notify the insurer of the occurrence of an insured event in a reasonable time.

You must notify the insurer of a claim within a reasonable time, or otherwise in accordance with the terms of the contract of insurance.

If you become aware after a claim is made of information that would either support or prejudice the claim, you are under a duty to disclose it. (The insurer is under the same duty).

If you make a false or misleading claim in any material respect (and know it to be false or misleading or consciously disregards whether it is) the insurer is entitled to refuse to pay and to terminate the contract.

Where an insurer becomes aware that a consumer has made a fraudulent claim, they may notify the consumer advising that they are voiding the contract of insurance, and it will be treated as being terminated from the date of the submission of the fraudulent claim. The insurer may refuse all liability in respect of any claim made after the date of the fraudulent act, and the insurer is under no obligation to return any of the premiums paid under the contract.

Regular Reviews

It is in your best interests that you review, on a regular basis, the products which we have arranged for you. As your circumstances change, your needs will change, which may result in you having insufficient insurance cover and/or inappropriate investments. We would therefore advise that you contact us to ensure that you are provided with up to date advice and products best suited to your needs.

Ongoing Suitability — Insurance Based Investment Products

We will provide periodic assessments of the suitability of the insurance based investment product which we have recommended to you.

Conflicts of interest

It is the policy of our firm to avoid conflicts of interest in providing services to you. However, where an unavoidable conflict of interest arises, we will advise you of this in writing before providing you with any service. A full copy of our conflicts of interest policy is available on request.

Default on payments by clients

We will exercise our legal rights to receive payments due to us from clients (fees and insurance premiums) for services provided. In particular, without limitation to the generality of the foregoing, the firm will seek reimbursement for all payments made to insurers on behalf of clients where the firm has acted in good faith in renewing a policy of insurance for the client.

Product producers may withdraw benefits or cover in the event of default on payments due under policies of insurance or other products arranged for you. We would refer you to policy documents or product terms for the details of such provisions.

Complaints

Whilst we are happy to receive verbal complaints, it would be preferable that any complaints are made in writing. We will acknowledge your complaint in writing within 5 working days and we will fully investigate it. We shall investigate the complaint as swiftly as possible, and the complainant will receive an update on the complaint at intervals of not greater than 20 working days starting from the date on which the complaint is made. On completion of our investigation, we will provide you with a written report of the outcome. In the event that you are still dissatisfied with our handling of or response to your complaint, you are entitled to refer the matter to the Financial Services and Pensions Ombudsman (FSPO). A full copy of our complaints procedure is available on request.

Data Protection

We are subject to the requirements of the General Data Protection Regulation 2018 and the Irish Data Protection Acts 1988-2018.

RSK Investlink Limited is committed to protecting and respecting your privacy. We wish to be transparent on how we process your data and show you that we are accountable with the GDPR in relation to not only processing your data but ensuring you understand your rights as a client.

The data will be processed only in ways compatible with the purposes for which it was given and as outlined in our Data Privacy Notice, this will be given to all our clients at the time of data collection.

We will ensure that this Privacy Notice is easily accessible. Please refer to our website https://medicalfinancialadvisor.ie/, if this medium is not suitable, we will ensure you can easily receive a copy by hard copy.

Please contact us at info@medicalfinancialadvisor.ie if you have any concerns about your personal data.

Compensation Scheme

We are members of the Investor Compensation Scheme operated by the Investor Compensation Company Ltd. See below for details.

Investor Compensation Scheme

The Investor Compensation Act, 1998 provides for the establishment of a compensation scheme and the payment, in certain circumstances, of compensation to certain clients (known as eligible investors) of authorised investment firms, as defined in that Act.

The Investor Compensation Company Ltd. (ICCL) was established under the 1998 Act to operate such a compensation scheme and our firm is a member of this scheme.

Compensation may be payable where money or investment instruments owed or belonging to clients and held, administered or managed by the firm cannot be returned to those clients for the time being and where there is no reasonably foreseeable opportunity of the firm being able to do so.

A right to compensation will arise only:

• If the client is an eligible investor as defined in the Act; and
• If it transpires that the firm is not in a position to return client money or investment instruments owned or belonging to the clients of the firm; and
• To the extent that the client’s loss is recognised for the purposes of the Act.

Where an entitlement to compensation is established, the compensation payable will be the lesser of:

• 90% of the amount of the client’s loss which is recognised for the purposes of the Investor Compensation Act, 1998; or
• Compensation of up to €20,000.

For further information, contact the Investor Compensation Company Ltd. at (01) 224 4955.

Brokers Ireland Compensation Fund

We are also members of the Brokers Ireland Compensation Fund. Subject to the rules of the scheme the liabilities of its members firms up to a maximum of €100,000 per client (or €250,000 in aggregate) may be discharged by the fund on its behalf if the member firm is unable to do so, where the above detailed Investor Compensation Scheme has failed to adequately compensate any client of the member. Further details are available on request.

RSK Investlink Limited t/a Medical Financial Advisors is regulated by the Central Bank of Ireland. Registered office: Anglesea House, Suite 10, 63 Carysfort Ave, Newtown, Blackrock, Dublin, A94 X209. Registered Number: 662539. Directors: Ross Lynam Loane, Georgina Roche. Tel: 01 2118411 · Email: info@medicalfinancialadvisor.ie · Web: www.medicalfinancialadvisor.ie