Treating Customers Fairly

TREATING CUSTOMERS FAIRLY POLICY   

^{We are fully committed to providing the highest standards of client service and advice, we never forget that you have a choice of supplier and are grateful that you have chosen us.}

As we are authorised and regulated by the Financial Conduct Authority (FCA), we work within the Treating Customers Fairly (FCA) and Consumer Duty guidelines and principles to create good outcomes for our customers.

^{At Alpha Contracts Leasing Ltd., we adhere to the FCA's six guiding principles on how to engage with customers, these govern how we communicate with our customers, the level of service we provide and the fairness of our products, services, and procedures.}

^{The six principles that we strive to achieve, to ensure fair treatment of our customers.}

1. ^{Consumers can be confident that they are dealing with firms where the fair treatment of customers is central to the corporate culture.}
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.}
3. ^{Consumers are provided with clear information and are kept appropriately informed before, during and after the point of sale.}
4. ^{Where consumers receive advice, the advice is suitable and takes account of their circumstances.}
5. ^{Consumers are provided with products that perform as firms have led them to expect, and the associated service is of an acceptable standard and as they have been led to expect.}
6. ^{Consumers do not face unreasonable post-sale barriers imposed by firms to change product, switch provider, submit a claim or make a complaint.}

^{What are the Consumer Duty Outcomes?}

1. ^{Improve product design and clarity to ensure they meet the needs of the right customers.}
2. ^{Ensure consumers have access to valuable products or services at reasonable prices.}
3. ^{Improve consumer understanding.}
4. ^{Support consumers to meet their needs and pursue their financial objectives.}

^{Ways we meet these requirements in the day to day running of our business.}

• ^{We continually aim to understand the needs of our clients.}
• ^{We ensure that the marketing of our products is appropriately targeted, clear, not misleading and highlights the risks/conditions as well as the key features/benefits of a product.}
• ^{We make certain our clients understand the risks associated with our services at the outset of an instruction.}
• ^{We keep our clients fully informed in a clear and fair manner that is unambiguous and not misleading.}
• ^{We ensure our services are delivered with clarity and transparency and do not contain hidden conditions or rely on complex technical definitions.}
• ^{Any advice provided will be appropriate and consider the customer's individual needs and circumstances.}
• ^{We take our clients' privacy seriously and ensure that our staff are aware of and follow rules in relation to data protection to ensure that clients' details are kept secure and confidential.}
• ^{We take any complaint seriously and will deal with any complaints promptly and make improvements to our operations where required.}

^{What should you do if you feel you have been treated unfairly?}

^{If you feel that our service or product has not aligned with the “Treating Customers Fairly” outcomes, or you believe that you have been treated unfairly, we want to hear from you.}

^{You can notify us of this through the following channels:}

^{In writing: Lynette Randall, Stableview, Hackleton, Northants NN7 2AW or Tel: 01604 756620 or email lynette@alphacontracts.co.uk}