Legal and Compliance

You are here: Home » Legal and Compliance

Legal & Compliance

Information on our web site is for general information purposes only and does not constitute the giving of insurance or investment advice. For specific advice talk to one of our consultants at HC Financial Advisers, Oranmore Businesses Park, Oranmore. Tel: 091 788000 or email admin@hcgroup.ie.

HC Financial Advisers Limited is regulated by the Central Bank of Ireland.. Registered in Ireland Number 61166.The Board of Directors at HC Financial Advisers Limited is responsible for determining the firm’s overall strategy, approving plans, reviewing performance and policies, together with determining levels of authority and responsibility in relation to adequate funding, risk and development. The Board also assumes responsibility for identifying risk management practices and the monitoring and evaluating of risk and providing control measures for implementation.The Board of Directors at HC Financial Advisers Limited is aware of its responsibilities and obligations in relation to our clients, staff, assets and profits and is aware of the consequences of risk. The Board meets every two months and addresses any risk regarding any activities either now, in the past or into the future.The board believes the firms risk falls into the following areas; Commercial Risk, Market and Economic Risk, Operational Risk, Reputational Risk and Legal and Compliance Risk, and in this regard has in place checks and balances to measure and mitigate against such risks as deemed appropriate. Such balances, checks, policies and procedures are indeed regarded as proprietary to the firm.The board has delegated the responsibility for the implementation of these to the Management Team at HC Financial Advisers. This team is under the direction of the CEO and they assess risk on an ongoing basis and makes recommendations to the board as appropriate. The Management Team monitors the impact of changes and makes appropriate adjustments.Policies are kept under review as part of ICAAP (Internal Capital Adequacy Assessment Process) required by CRD and the board confirms these are up to date. The board also confirms that at all times it maintains capital in excess of regulatory minimum requirements. The firm deems that a disclosure of own funds is proprietary in nature.Board of Directors HC Financial Advisers Limited 2009

 

DISCLAIMER

THE MATERIAL AND INFORMATION IN THIS SITE IS PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. HC FINANCIAL SERVICES DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. HC FINANCIAL SERVICES DOES NOT REPRESENT OR WARRANT THAT ANY OF THE INFORMATION PRESENTED ON ITS WEB PAGES, THIS WEBSITE OR ON THE INTERNET GENERALLY, WILL BE UNINTERRUPTED OR ERROR FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER FROM WHICH IT IS ACCESSED ARE FREE FROM VIRUSES, WORMS, TROJAN HORSES OR OTHER HARMFUL COMPONENTS.

In no event shall HC Financial Advisers Limited be liable for any cost or direct, indirect, special, incidental or consequential damages arising out of or in connection with the use of, or the inability to use this website. It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided. All information contained on any page set up by HC Financial Advisers Limited is distributed with the understanding that the authors, publishers and distributors are not rendering legal, accounting or other professional advice or opinions on specific facts or matters and accordingly assume no liability whatsoever in connection with its use.Under no circumstances should requests for insurance cover be sent by e-mail as e-mails, by their nature, cannot be guaranteed to reach their destination.

INTELLECTUAL PROPERTY

Unless otherwise noted, the graphic images and text contained in this web site are the exclusive property of HC Financial Advisers and cannot be used with permission and may not be copied or distributed, in whole or in part, without the express written consent of HC Financial Advisers.

HYPERLINKS

HC Financial Advisers Limited can not guarantee that the hyperlinks, pointer or other linking functions set out on the sites will be accurate at the time of your access. Moreover, the sites pointed at by hyperlinks are developed and possibly maintained by persons over whom HC Financial Advisers Limited has no control. We cannot and do not monitor the sites linked to our pages on the Internet. Accordingly, HC Financial Advisers assumes no responsibility for the content of any sites referenced to by any hyperlink or otherwise. HC Financial Advisers Limited believes that making hyperlinks available to publicly accessible web pages and newsgroups is legally permissible and consistent with the common, customary expectations of those who make use of the Internet. You may not provide hyperlinks to this website without prior written consent of HC Financial Advisers Limited.

DATA PROTECTION

HC Financial Advisers is committed to respecting the privacy of your personal information and considering current technology, has taken all reasonable measures to do so. HC Financial Advisers is not obligated to monitor any transmission made through the respective web pages and newsgroups. However,HC Financial Advisers has the right, but not the obligation, to monitor any transmission made to and for this website. HC Financial Advisers may reproduce, use, distribute or disclose information transmitted to this site or collected through the use of this website. You acknowledge that such information shall be deemed to be non-confidential and that your communication may be read or intercepted by others. You acknowledge that no obligation of any kind shall be attached to such information and that by transmitting information, no confidential, contractually implied or other relationship is created between you and HC Financial Advisers.

USER CONDUCT

When accessing or making use of any service provided on HC Financial Advisers web pages you may not:

Post or transmit any unlawful, threatening, abusive, libelous, defamatory, obscene, pornographic, profane or otherwise objectionable information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any national or international law.

Post or transmit any information or software which contains a virus, worm, Trojan horse or other harmful component; restrict or inhibit any other user from using the website.

Post, publish, transmit, reproduce, distributor exploit any information, software or other material obtained through HC Financial Advisers web pages for commercial purposes other than expressly permitted.

For further information please contact us: admin@hcgroup.ie