What we
do for you
At bjb financial services, we pride ourselves on providing you with the most appropriate and impartial financial advice based on your individual circumstances.
We will always listen to you carefully and treat you fairly.
See below our company policy on ‘Treating Customers Fairly’.
The Directors of BJB Financial Services Ltd. are committed to ensuring that the FSA principle of treating customers fairly (TCF) is applied in all areas of our day to day business activities.
In adopting the TCF principle we recognise that fair treatment of our customers is about adding value to the service we offer by aiming to:
- protect the interests of our customers at each stage of the product life cycle, from promotion right through to after sales service
- meet as best we can the unique needs of each customer by offering a transparent, efficient and professional service, and constantly reviewing our service to identify areas for improvement
In practical terms for the different areas of our business this means:
With our staff we ensure that;
- thorough training is provided for all relevant products and they understand the principles of suitability
- they are kept up to date with relevant training in relation to competence, data protection and other matters directly affecting the quality of service offered to customers
- we operate sales remuneration systems which assure fairness to the customer as well as customer satisfaction, rather than only rewarding sales volumes
- detailed records of customer instructions, profile, attitude to risk, and of the advice and options given before, during and after a sale are maintained
- after sales contact with clients, where appropriate, is maintained to correct or improve our service
- promotional material is clear, compliant, jargon free and appropriately targeted
- customer complaints are assessed fairly, promptly and impartially, and in line with FSA deadlines
- staff are encouraged to recommend improvements to our service, systems and controls
- TCF values, are set and communicated by Senior Management, and supported by all staff
John Murphy, Managing Director
