Customer Policies

Eldery Persons Policy

At CamOuse Financial Management Ltd we believe in treating all of our customers fairly and make extra steps to safeguard the elderly. These include the following points:

  • We always write to elderly people or arrange to see them in person and never refer anyone to call centres.
  • If visiting our head office, we will always offer the option of a ground floor meeting room or the use of the lift to access the first floor.
  • When investments are recommended, there are extra checks to make sure the person understands the risk involved: low–risk to an elderly person can mean a small chance that they wouldn’t get their money back.
  • All recommendations are made in writing with the reasons clearly set out, so the elderly person can discuss them with relatives or friends before making a decision
  • Staff are encouraged to use their common sense when dealing with elderly people - for example, they should be prepared to query any unusual transactions, such as large withdrawals

Treating Customers Fairly

The FSA have defined 6 consumer outcomes which explain what they want Treating Customers Fairly to achieve for consumers. These outcomes are as follows:

  • Outcome 1: Consumers can be confident that they are dealing with firms where the fair treatment of customers is central to the corporate culture
  • Outcome 2: Products and services marketed and sold in the retail market are designed to meet the needs of identified consumer groups and are targeted accordingly
  • Outcome 3: Consumers are provided with clear, jargon-free information and are kept appropriately informed before, during and after the point of sale
  • Outcome 4: Where consumers receive advice, the advice is suitable and takes account of their circumstances
  • Outcome 5: Consumers are provided with products that perform as firms have led them to expect, and the associated service is of an acceptable standard
  • Outcome 6: Consumers do not face unreasonable post-sale pressure imposed by firms to change product, switch provider, submit a claim or make a complaint

At CamOuse Financial Management Limited we believe that our Treating Customers Fairly procedures are known to all members of staff and are implemented on a day to day basis.

Regular staff training ensures that all new procedures are taken on board and any existing methods are refreshed.