Terms of Business & Data Privacy Statement

JC Mortgages Limited Terms of Business

These Terms of Business are applicable from 01/07/2022 and set out the general terms under which we will provide business services to you and the respective duties and responsibilities of both ourselves and you in relation to such services. Please ensure 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
JC Mortgage Limited is regulated by the Central Bank of Ireland as an Insurance Intermediary registered under the European Union (Insurance Distribution) Regulations 2018 and a Mortgage Intermediary under the European Union (Consumer Mortgage Credit Agreements) Regulations 2016. Our authorisation can be checked on the website of the Central Bank of Ireland (www.centralbank.ie) or by calling the Central Bank of Ireland on 1890 777 777 to verify our credentials. Our reference code is C466128.

Codes of Conduct
We are 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
We are an Insurance and Mortgage Credit Intermediary. Our principal business is to provide advice and arrange transactions on behalf of our clients in relation to insurance & mortgage products. We are not under a contractual obligation to conduct insurance distribution business exclusively with one or more Insurance Undertakings and do not give advice on the basis of a fair and personal analysis. We do however provide advice from the selection of products provided by the companies and lenders we have agencies with. We recommend the product that, in our professional opinion, is best suited to your needs and objectives from this selection of products.

For a full list of insurers, product producers and lending agencies see below:

Life Companies and Lenders
Permanent TSB
Bank of Ireland
Moneysave



Brokers Ireland Network Services Ltd (which gives us access to the following lenders):
KBC Bank	Finance Ireland Credit Solutions DAC
Banco Sabadell SA	Haven Mortgages Limited
BNP Paribas Personal Finance	Seniors Money Mortgage (Ireland) DAC
Dilosk Limited

Mortgages
Through the lenders or other undertakings with which we hold an agency, JC Mortgages Limited can provide advice on and arrange mortgage products from the following range: fixed-rate loans, variable rate mortgages, capital & interest mortgages, interest only mortgages, endowment mortgages, pension mortgages and residential investment property. We provide mortgage advice on mortgages from the selection of lenders we have agencies with. We will need to collect sufficient information from you before we can offer any advice on housing loans. This is due to the fact that a key issue in relation to mortgage advice is affordability. Such information should be produced promptly upon our request. Where the creditor is unable to carry out an assessment of creditworthiness because the consumer chooses not to provide the information or verification necessary for an assessment of creditworthiness, the credit cannot be granted.

Consumer Insurance Contracts Act 2019

Your Duty of Disclosure – Consumer
This duty of disclosure applies to consumers as defined above in the Financial Services and Pensions Ombudsman Act 2017.

You are required to answer all questions posed by us or the insurer honestly and with reasonable care. The test will be that of the ‘average consumer’. The ‘average consumer’ per Directive No. 2005/29/EC of the European Parliament and of the Council of 11 May 2005, is one that is reasonably well informed and reasonably observant and circumspect, taking into account social, cultural and linguistic factors.

You are not under any duty to volunteer information over and above what is required to answer the questions posed to you. The questions we require you to answer are material to the risk to be undertaken by the relevant insurer, or the calculation of the premium by the relevant insurer, or both.

You will be required to answer specific questions. Where you do not provide additional information (after being requested to do so) it can be presumed that the information previously provided remains unchanged.

It is important that you answer all questions honestly and with reasonable care. Failure to do so may result in an insurer cancelling the contract, rejecting a claim or limiting the amount paid in the event of a claim only if it establishes that non-disclosure of material information was an effective cause of the insurer entering into the relevant contract of insurance and on the terms on which it did.

Remuneration
JC Mortgages Limited is remunerated by commission and other payments from product producers and lenders. We reserve the right to charge additional fees if the number of hours relating to on-going advice /assistance exceeds 3 hrs. Additional fees may be payable for complex cases or to reflect value, specialist skills or urgency. We will give an estimate of this rate in advance of providing you with these services.

We may receive up to 1% (or whatever maximum is applicable) of the loan for arranging mortgage finance. This commission is paid by the mortgage lender. The actual amount of commission will be disclosed at a later stage in the ESIS (European Standardised Information Sheet) which will be forwarded to you at loan offer stage. Please note lenders may charge specific fees in certain circumstances and if this applies, these fees will be specified in
your Loan Offer. You have the right to pay a fee separately and not include it in the loan. Typically, this situation arises in relation to specialist lending. In addition, we may charge you an arrangement fee of up to €750. If we provide mortgage advice and obtain a Loan Offer for you and you subsequently do not proceed with your mortgage application through ourselves, we will charge you an arrangement fee of €750 for our services.

As outlined below under “Consumer Protection Code Addendum 2019”, a summary of the details of all arrangements for any fee, commission, other reward or remuneration paid or provided to us by the product producers is available on our website “http://geb.smartaje.com/”. If you need further explanation of this information, please do not hesitate to call us. We charge €350 for approval in principal on a once off basis. If we don’t get you approved there is no fee.

Consumer Protection Code Addendum 2019
Pursuant to provision 4.58A of the Central Bank of Ireland’s September 2019 Addendum to the Consumer Protection Code, JC Mortgages Limited, must make available on our website, a summary of the details of all arrangements for any fee, commission, other reward or remuneration provided to us which has been agreed with our product producers. Our Remuneration Document can be found on our websitehttp://geb.smartaje.com/.

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. You must advise us of those changes and request a review of the relevant policy so we can ensure you are provided with up to date advice and products best suited to your needs.

Conflicts of interest
It is the policy of JC Mortgages Limited 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. As per above we receive commission from the lenders and companies we have agencies with for the business you transact.

Data Protection
JC Mortgages Limited complies with the requirements of the General Data Protection Regulation 2018 and the Irish Data Protection Act 2018. JC Mortgages 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 purpose for which it was given and as outlined in our Data Privacy Notice which will be given to all our clients at the time of data collection.

Anti – Money Laundering/Countering the Financing of Terrorism
JC Mortgages Limited reserves the right to request any information about a client which it reasonably believes it needs to know in order to comply with the Criminal Justice (Money Laundering and Terrorist Financing) Act 2010 (as amended).

Governing Law and Language
The laws of Ireland form the basis for establishing relations between you and JC Mortgages Limited. All contracts, terms, conditions and communications relating to any policies or services you may enter into with the firm will be in English.

Compensation Scheme
We are members of the 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:
o 90% of the amount of the client’s loss which is recognised for the purposes of the Investor Compensation Act, 1998; or
o Compensation of up to €20,000.

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

Direct Marketing
We would like to keep you informed of various insurance, mortgage and any other related services, competitions and newsletters that we think may be of interest to you. If you consent to receiving such marketing information, please complete below:

I/we confirm, having read the paragraphs in relation to Data Protection and Direct Marketing, that I/we consent to JC Mortgages Limited contacting me/us by the following methods in relation to the range of services provided by JC Mortgages Limited:

Client 1 Client 2
Letter Letter
Phone Phone
Email Email

DECLARATIONS
I/We acknowledge that I/We have been provided with a copy of the Terms of Business and the Data Privacy Notice for JC Mortgages Limited and confirm that I/We have read and understand them.

Signed___________________________ Print_____________________________
Signed___________________________ Print______________________________

Date_____________________________ Date _____________________________
Signed on behalf of JC Mortgages Limited ________________________________
Date____________________________________

JC Mortgages Limited

CLIENT ACKNOWLEDGEMENT

I/We acknowledge and confirm that I/we have been provided with a copy of the Terms of Business of JC Mortgages Limited and that I/we have read, understand, and consent to these terms and the collection of my/our data.
I/We acknowledge and confirm that I/we have been provided with a copy of the Data Privacy Notice of JC Mortgages Limited and that I/we have read and understand the document contents.

DIRECT MARKETING

I / We consent JC Mortgages Limited contacting me/us in relation to the financial services , Mortgages and insurance products provided by JC Mortgages Limited.

Please tick each of the ways in which you wish for me to contact you.

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NOTE

You may opt out of this service at any time by writing to JC Mortgages Limited or by selecting the unsubscribe option on any email sent to you.

24 Millrace Rd, Phoenix Park, Racecourse, Dublin 15
01-8102032
info@jcmortgages.ie

Terms of Business of JC Mortgages Limited

JC Mortgages Limited 24 Millrace Rd, Phoenix Park, Racecourse, Dublin 15 Phone:01 810 2032 | Email:info@jcmortgages.ie | Web:www.jcmortgages.ie Effective Date: March 2026

These Terms of Business set out the basis on which JC Mortgages Limited will provide business services to you. Please take a few minutes to read through this document carefully. If there are any matters on which you require clarification, we will be happy to explain them in more detail. These terms will remain in force and shall apply to any business service provided to you now or at a future date. Should our firm change any of its business terms, we will advise you at our next meeting or in writing.

1. Regulatory Status

JC Mortgages Limited is authorised and regulated by the Central Bank of Ireland (Central Bank Reference Number: C466128).

We are registered to undertake:

Insurance Mediation under the European Union (Insurance Distribution) Regulations 2018.
Mortgage Intermediary services under Section 31(10) of the European Union (Consumer Mortgage Credit Agreements) Regulations 2016 and Section 151A (1) of the Consumer Credit 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 01 -2246000 or visit their website at www.centralbank.ie to verify our credentials.

2. Statutory Codes & Securing Customers' Interests

JC Mortgages Limited is subject to the Central Bank of Ireland's Minimum Competency Code, the Fitness and Probity Standards, and the Consumer Protection Code (including the Standards for Business Regulations 2025 and Consumer Protection Regulations 2025). These codes can be viewed on the Central Bank's website. In accordance with these regulations, our firm is committed to securing your interests, acting with due skill, care, and diligence, and ensuring that any products recommended are suitable for your specific needs and circumstances.

3. Services Provided

JC Mortgages Limited offers a range of products and services including mortgages, life assurance, pensions, and investments.

Mortgages: We provide mortgage advice and arrange mortgage products from the selection of lenders with whom we hold an agency. Our range includes fixed-rate loans, variable-rate mortgages, capital & interest mortgages, and interest-only mortgages. We will need to collect sufficient information from you to assess affordability before offering advice on housing loans. If a consumer chooses not to provide the information or verification necessary for an assessment of creditworthiness, the credit cannot be granted.

Life Assurance, Pensions, and Investments: JC Mortgages Limited provides life assurance, pensions, and investment advice on a limited analysis basis. While we hold written appointments with a number of insurance undertakings, we have selected one preferred product producer, Irish Life Assurance plc, for life insurance plans (including life assurance, specified illness cover, income protection, unit-linked savings, investments, and pension plans), tracker bonds, and Personal Retirement Savings Accounts (PRSAs).

We will exclusively assess products from Irish Life Assurance plc in the first instance. Only in the event that Irish Life Assurance plc cannot provide a product suitable to your specific needs will we research and recommend suitable alternatives available via our other agency appointments (- Zurich , New Ireland or Aviva).

4. Remuneration and Fees

JC Mortgages Limited may be remunerated by commission and other payments from product producers and, in certain circumstances, by fees charged directly to you.

A summary of the details of any fee, commission, other reward or remuneration receivable by us from regulated entities is available on our website and in our office. Before concluding a contract for a financial service, we will bring this summary to your attention and provide any clarification you may request.

Where required by applicable regulatory requirements, we will disclose separately to you, on paper or another durable medium, details of any fee, commission or other remuneration received or receivable by us in relation to a financial service. Where the amount cannot be determined in advance, we will disclose the method of calculation.

Where we charge a direct fee for our services, the basis and amount of that fee will be agreed with you in advance and confirmed in writing. Any fee charged by JC Mortgages Limited is separate from, and is not offset against, any commission or other remuneration we may receive.

Our standard mortgage fee structure is as follows:

Standard Approval in Principle – Fee of €350, Once-off fee due on approval. Non-refundable. If you are not approved, no fee applies

Self-Employed Approval in Principle – Fee €950, €500 due on approval - Non-refundable. €450 due on loan offer - Refundable if the mortgage does not proceed to drawdown

Self Builds AIP - €1,500 payable €750 on approval €750 on loan offer

Complex Cases € 2,000 - €750 on approval €1,250 on loan offer
e.g., credit issues, multi-property, this is called on a called-on Case-by-Case basis.

(Advised and agreed upon in writing prior to application)
Note: JC Mortgages Limited will, if necessary, exercise its legal rights to receive any payments due to it from clients for business services provided.

5. Trusted Contact Person

In accordance with Central Bank regulations designed to protect consumers, you have the right to nominate a "Trusted Contact Person." This is an individual we may contact in exceptional circumstances—such as if we cannot reach you for an extended period, or if we have concerns regarding suspected financial abuse or diminished capacity to make financial decisions. You are not obliged to nominate a Trusted Contact Person, and you may update or withdraw your nomination at any time upon request.

6. Sustainability Factors (SFDR)

When providing advice, JC Mortgages Limited does not consider the adverse impacts of investment decisions on sustainability factors. The firm will review this annually and make revisions when and if appropriate. For investment products, because we have selected Irish Life as a preferred provider, we rely on the approach taken by Irish Life Assurance plc in integrating sustainability risks into their product offering.

7. Conflicts of Interest

It is the policy of JC Mortgages Limited to avoid any conflict of interest when providing business services to its clients. However, where an unavoidable conflict may arise, we will advise you of this 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.

8. Regular Reviews and Ongoing Suitability

Ongoing suitability assessments form part of our service. On an annual basis, the firm will carry out a periodic review of suitability for investment products. It is in your best interest to review the products we have arranged for you regularly. As your circumstances change, your needs will change. You must advise us of these changes and request a review so we can ensure you have up-to-date advice and products suited to your needs.

9. Consumer Insurance Contracts Act 2019

The Act imposes duties on both the client and product providers at the pre-contract and post-contract stages, as well as in respect of claims handling.

Cooling-Off Period: Life Insurance Contracts may be cancelled by giving notice in writing to us or the product provider within 30 days from the day the provider sends your plan documents. You will receive a refund for premiums due, less the cost of cover already received. Savings/Investment contracts may also be cancelled within 30 days; however, the refund will account for any fall in the investment's value during that period.
Disclosure and Claims: Any contract is issued on the understanding that the information given on the application is true and complete. If you make a false or misleading claim, the provider is entitled to refuse payment, terminate the contract, and retain premiums paid. You must cooperate with the provider during claim investigations and disclose any information that would support or prejudice a claim.
Effect of Non-Compliance: A court of competent jurisdiction may reduce the amount of benefit paid to you if you are in breach of your duties under the Act.

10. Default and Cancellation

Product providers may withdraw benefits on default of payments due under any products arranged for your benefit. Details of these provisions will be included in your specific product Terms and Conditions.

11. Complaints Procedure

Any complaint regarding our business services should be made in writing to JC Mortgages Limited. We will:

Acknowledge your complaint in writing within 5 business days.
Fully investigate the complaint and provide regular updates at intervals not greater than 20 business days.
Aim to provide a full and final response no later than 40 business days from receipt.

If we cannot resolve your complaint within 40 business days, we will write to inform you of the anticipated timeframe for resolution and explicitly notify you of your right to refer the matter to the Financial Services and Pensions Ombudsman.

In the event that you remain dissatisfied with our handling of the complaint, you are entitled to refer it to the Financial Services and Pensions Ombudsman:

Address: Lincoln House, Lincoln Place, Dublin 2, D02 VH29
Phone: 01 567 7000 | Email:info@fspo.ie | Web:www.fspo.ie

12. Investor Compensation Scheme

JC Mortgages Limited is a member of the Investor Compensation Company Limited (ICCL) scheme. This provides a way of paying certain investors compensation if they suffer financial loss caused by an investment firm being unable to meet its financial obligations. In the event that a right to compensation is established, the amount payable is the lesser of 90% of your eligible loss or €20,000.

Appendix 1: Agency Appointments

Insurance Undertakings JC Mortgages Limited holds letters of appointment from the following product producers:

Irish Life Assurance plc
Zurick
Aviva
New Ireland

Mortgage Lenders JC Mortgages Limited holds letters of appointment from the following lenders:

Permanent TSB
Bank of Ireland
Dilosk/ ICS
Avant
Nua
Brokers Ireland Network Services Ltd (providing access to: Banco Sabadell SA, BNP Paribas Personal Finance, Haven Mortgages, ).