Distance Marketing

Distance Marketing Supplementary Notice

Important Information for Contracts Concluded via Telephone or Internet

This notice applies exclusively to contracts negotiated and concluded using distance communication (e.g., internet or phone). It does not apply to "face-to-face" transactions conducted in our physical presence.

1. Our Identity and Business

Company Name: David Kelleher Financial Services
Address: 2 Church Street, Kanturk, Co. Cork
Regulatory Status: Authorised by the Central Bank of Ireland (Ref No. C36548) as a Multi-Agency Intermediary and Insurance Intermediary.
Main Business: We provide insurance intermediation services, arranging contracts of insurance on behalf of credit institutions and insurance providers.
Geographic Scope: We operate in Ireland only and have no representatives in other EU Member States.

2. Pricing and Charges

Service Fees: Our specific charges and fees are detailed in our Terms of Business document.
Insurance Premiums: The price for your policy (including government levies and taxes) is specified by the insurance company in your Policy Schedule or Renewal Notice.
Other Costs: There are no additional charges for using distance communication (phone/web) to contact us. Please be aware that other taxes or costs may exist that are not paid or imposed by us.

3. Your Right to Cancel ("Cooling-Off Period")

You have the right to cancel your contract by sending a written notice to our address at 2 Church Street, Kanturk.

Product Type	Cancellation Period
General Insurance (e.g., Car, Home)	14 Days from the start of the contract or receipt of terms.
Life Assurance / Pensions	30 Days from being notified the contract started or receipt of terms.

Important Exceptions

Housing Loans: There is no right of cancellation for housing loans or insurance policies required as a pre-condition for a housing loan (e.g., mandatory property insurance).
Fully Performed Contracts: There is no right of cancellation if the service was fully performed by both parties at your request before the cancellation notice was sent.

Effects of Cancellation

If you cancel within the periods above, the insurer will refund any premium paid. However, we reserve the right to deduct a reasonable charge for services actually supplied prior to the cancellation. You must return all policy documentation within 30 days of cancelling.

4. Termination and Defaults

Duration: The length of your contract is specified in your Policy Schedule.
Early Termination: You or the insurance company may cancel the policy at any time via written notice, subject to the terms of your policy.
Consequences of Non-Payment: Failure to pay premiums or a breach of policy conditions may lead to your cover being revoked or cancelled.

5. Law and Complaints

Governing Law: Relations before the contract and the contract itself are governed by Irish Law, and disputes will be subject to the jurisdiction of the Irish Courts.
Language: All terms and communications will be in English.
Redress: If you are unhappy with our service, we operate a formal complaints procedure. If we cannot resolve the matter, you may refer it to:

Financial Services and Pensions Ombudsman (FSPO) > Lincoln House, Lincoln Place, Dublin 2.

Notice Validity: Information current as of April 2026. (While we strive to keep this updated, we cannot accept responsibility for changes caused by external regulatory bodies.)