TERMS OF BUSINESS

Guide Me Financial Solutions Limited

Effective date: 1 September 2026 | Version 1.0

1. About this document

These Terms of Business set out the basis on which Guide Me Financial Solutions Limited ("we", "us", "our", "the Firm") will provide financial services to you. They explain who we are, what we do, how we are paid, and what you can expect from us — and what we expect from you.

Please read this document carefully. If there is anything you do not understand, please ask us before you proceed. We will provide you with a copy of these Terms of Business before we provide any service to you, and they will remain in force until they are cancelled or replaced.

By instructing us to act on your behalf, you are accepting these Terms of Business. You do not need to sign or return this document. We will keep a record of the date on which it was provided to you.

2. Who we are

Legal name	Guide Me Financial Solutions Limited
Trading name	Guide Me Financial Solutions
Registered office	Unit 8, 1st Floor, The GRID, Charlesland, Greystones, Co. Wicklow, A63 T9K1
Company registration number	814651 (registered in Ireland)
Central Bank reference number	C583534
Telephone	083 132 9704
Email	trevor@guidemefinancial.ie
Website	www.guidemefinancial.ie
Group membership	We are not part of a group.

Guide Me Financial Solutions Limited is regulated by the Central Bank of Ireland.

We are registered as an insurance intermediary under the European Union (Insurance Distribution) Regulations 2018. The Central Bank of Ireland maintains public registers of regulated firms. You can verify our registration and the activities we are authorised to carry on at www.centralbank.ie (Registers) or by contacting the Central Bank of Ireland, PO Box 559, Dublin 1.

We are a member of Brokers Ireland, the representative body for insurance and financial brokers in Ireland.

Copies of our regulatory authorisations are available on request.

3. Codes of conduct

We are subject to the Central Bank of Ireland's Consumer Protection Code, the Standards for Business, the Minimum Competency Code and Regulations, and the Fitness and Probity Standards. These codes offer protection to consumers and can be found on www.centralbank.ie.

We also comply with the Consumer Insurance Contracts Act 2019, the European Union (Insurance Distribution) Regulations 2018, the Criminal Justice (Money Laundering and Terrorist Financing) Acts 2010–2021, and applicable data protection law.

4. The services we provide

We provide advice on, and arrange, the following types of insurance and insurance-based products for personal (retail) clients in Ireland:

• Life assurance and mortgage protection

• Specified (critical) illness cover

• Income protection

• Private health insurance

• Pension and retirement planning, where the arrangement is provided by a life assurance company — including personal pensions, executive pensions, PRSAs, buy-out bonds and Approved Retirement Funds

• Regular savings and lump-sum investment plans, where the product is provided by a life assurance company

• Financial wellness and employee benefit programmes for employers

We act as an intermediary between you and the product producer. We are not an insurer and we do not underwrite risk. The contract of insurance is between you and the product producer.

Services we do not provide. We do not provide advice on mortgages or other credit, deposits, shares, collective investment funds or other non-insurance investment instruments, tax planning, or legal matters. All pension and investment business we transact is placed with life assurance companies. Where your needs fall outside the services we are authorised to provide, we will tell you and, where appropriate, refer you to an appropriately authorised firm.

5. The basis on which we give advice

We provide advice on a limited analysis basis. This means that we advise on, and arrange, products from a panel of selected product producers rather than from the entire market. The product producers on our panel are listed in Schedule 2.

We select the product producers on our panel on the basis of the range and suitability of their products, their financial strength, their underwriting approach, the quality of their service to clients, and the technology and support they make available to us. We review our panel periodically.

What this means for you. A product that would suit you may be available from a product producer with whom we do not hold an agency. We will always tell you the basis on which we are acting before we make a recommendation, and you are free to seek advice elsewhere.

Where we begin to advise on any product line on a fair analysis of the market basis, we will update these Terms of Business and tell you.

An up-to-date list of the product producers with whom we hold agencies is available on request and on our website.

6. How we work with you

Fact find and suitability. Before making a recommendation, we will gather information about your needs, objectives, financial situation, knowledge and experience of financial products, attitude to risk and, where relevant, your sustainability preferences. We may not be able to make a recommendation if you do not provide the information we request.

Statement of Suitability. Where we make a recommendation, we will give you a written statement setting out the reasons why the product or service we have recommended is considered suitable for you, and the reasons why it best meets your needs and objectives.

Product information. You will receive full product information from the product producer, including the policy document, product booklet, and (where applicable) the Insurance Product Information Document or Key Information Document, before you commit.

Annual reviews. We will offer you a review of the products we have arranged for you at least once a year. Reviews are offered, not automatic — if your circumstances change at any time, please contact us so that we can consider whether your arrangements remain suitable.

Execution-only business. If you instruct us to arrange a specific product without seeking or acting on our advice, we will confirm this in writing and ask you to sign a declaration to that effect. Where business is transacted on an execution-only basis, you will not have the protection of a suitability assessment and you may have reduced grounds for complaint.

7. Your duty to us — disclosure of information

Under the Consumer Insurance Contracts Act 2019, you must answer all questions asked by us or by the insurer honestly and with reasonable care. The standard applied is that of the "average consumer".

Please note:

• All answers must be complete and accurate, and must be your own responses.

• If any of the information you have given changes before the policy starts, you must tell us.

• You must notify the insurer of any change in circumstances during the life of the policy that materially increases the risk insured.

• If you do not comply with this duty, the insurer may reduce or refuse a claim, or in cases of fraud or deliberate misrepresentation may avoid the policy and refuse all claims.

Where you have made an innocent misrepresentation, the insurer’s remedy will be proportionate to the nature of the misrepresentation, in line with the 2019 Act.

Claims. Where you make a claim, you must co-operate with the insurer in its investigation and provide truthful and accurate information.

8. How we are paid

We are remunerated by commission paid by product producers and, in some cases, by a fee charged directly to you. We will always tell you, before you commit to a product, the nature of the remuneration we will receive.

8.1 Commission

Commission is paid to us by the product producer out of the premium or contribution you pay, or out of the charges applied to your policy. Receiving commission does not increase the amount you pay above the standard premium quoted, but the cost of commission is reflected in the product producer’s charging structure.

Commission may take the following forms:

• Initial commission — a percentage of the first year’s premium, or of the amount invested, paid when the policy starts.

• Renewal, trail or fund-based commission — an ongoing amount paid for as long as the policy remains in force, in return for ongoing service to you.

• Indemnity commission — initial commission advanced to us at the outset in respect of premiums due to be received in the future. Where a policy lapses or is cancelled within the indemnity period, we may be required to repay some or all of that commission ("clawback").

We do not receive volume-based, override or profit-share commission from any product producer.

A summary of the commission arrangements we hold with each product producer is published on our website and is available from us in hard copy on request. Where you ask us for the specific monetary amount of commission payable on your product, we will provide it.

8.2 Fees

In most cases we are paid by commission and no fee is payable by you.

We may charge a fee where the work involved is not covered by commission — for example, where you ask us to review or service an existing policy on which no commission is payable, or where advice does not result in a product being arranged.

Where a fee applies, it is charged per piece of advice or per product arranged, not by the hour, and will be no more than €250.

We will always agree any fee with you in advance and in writing before we carry out the work. If no fee has been agreed with you in writing, no fee is payable.

Fee offset. Where a fee has been agreed and we also receive commission on the same business, we will offset the commission received against the fee. If the commission equals or exceeds the fee, no fee will be payable by you. If the commission is less than the agreed fee, you will pay only the balance. We will confirm the position to you in writing.

8.3 Non-monetary benefits

From time to time we may receive non-monetary benefits from product producers, such as training, technical support, software or attendance at industry seminars. We only accept benefits which are designed to enhance the quality of service to you and which do not impair our duty to act in your best interests. Details are available on request.

9. Charges payable by you

A summary of the charges we impose directly is set out in Schedule 1. In addition:

• Where a service is provided for which no fee, commission or other remuneration is specified in advance, we will notify you in writing of the charge before providing that service.

• Charges are subject to VAT where applicable.

• Charges applied by the product producer (for example, policy fees, government levies, allocation rates, annual management charges and early encashment penalties) are separate from our charges and will be disclosed to you in the product documentation.

10. Conflicts of interest

It is our policy to avoid conflicts of interest in providing services to you. Where an unavoidable conflict arises, we will advise you of this in writing before providing any service, and we will not proceed unless we have your written consent to do so.

The main source of potential conflict in our business is the commission we receive from product producers, which may differ between products and between producers. We manage this by ensuring that recommendations are made on the basis of your needs and documented in a Statement of Suitability, and by not accepting any volume-based or override commission.

A full copy of our conflicts of interest policy is available on request.

Ownership disclosures (required under the Insurance Distribution Regulations):

• We do not hold a direct or indirect holding representing 10% or more of the voting rights or capital of any insurance undertaking.

• No insurance undertaking, and no parent of an insurance undertaking, holds a direct or indirect holding representing 10% or more of our voting rights or capital.

11. Premiums and handling of your money

We do not handle client money. We do not accept cash under any circumstances.

All premiums and contributions must be paid directly to the product producer by direct debit, bank transfer, or such other method as the product producer specifies. Cheques must be made payable to the product producer and not to Guide Me Financial Solutions Limited.

Where a fee is payable to us under section 8.2, it is paid to us directly and is separate from any premium or contribution.

12. Default and non-payment

It is important that you meet all payments due under your policies. If you do not:

• The product producer may cancel or lapse the policy, or reduce its benefits, and you may lose cover entirely. Cover cannot be relied upon where premiums are in arrears.

• In the case of protection policies, reinstatement may require fresh medical underwriting and may be refused or offered on worse terms.

• Where an insurer withdraws cover for non-payment, we will notify you in writing of the effective date of cancellation as soon as we are aware of it.

Where a fee is payable to us and remains unpaid, we reserve the right to cease providing further services and to recover the amount due, including reasonable costs of recovery. We will not withhold documents or information belonging to you by reason of a fee dispute.

13. Cooling-off and cancellation rights

You have a legal right to withdraw from most insurance contracts within a short period after the contract is concluded, without penalty and without giving a reason:

• Life assurance and pension contracts: 30 days from the date you are notified that the policy has commenced.

• General (non-life) insurance contracts, including health insurance: 14 working days from the date you are informed that the contract has been concluded.

To exercise this right, you must notify the insurer in writing within the relevant period. We will assist you with this. Where cover has been provided during the cooling-off period, the insurer may retain a proportionate premium for the period of cover.

Different or additional rights may apply where the contract was concluded at a distance (for example, entirely online or by telephone) under the European Communities (Distance Marketing of Consumer Financial Services) Regulations 2004. The precise cancellation rights applying to your policy will be set out in your policy documentation, which takes precedence over this summary.

Cancelling or surrendering a policy outside the cooling-off period may result in penalties, or in you receiving back less than you paid in. We will explain the consequences before you act.

14. Term and termination

These Terms of Business take effect from 1 September 2026 and remain in force until terminated.

Either of us may terminate our relationship at any time by giving written notice to the other. Termination will not affect the completion of transactions already initiated, or any rights or obligations accrued before termination.

On termination, any fees due for services provided up to the date of termination remain payable.

We may amend these Terms of Business. Where we make a material change, we will notify you in writing at least five business days in advance and provide you with a clear comparison of the position before and after the change. The current version is always available on our website.

15. Complaints

We aim to provide you with the highest standard of service. If you are not satisfied, we want to know.

How to complain. Please contact us in writing at trevor@guidemefinancial.ie or at Unit 8, 1st Floor, The GRID, Charlesland, Greystones, Co. Wicklow, A63 T9K1, marking your correspondence "Complaint". You may also make a complaint verbally, and we will record it and confirm it back to you in writing.

What happens next.

1. We will acknowledge your complaint in writing within five business days of receiving it, and give you the name of the person dealing with it.

2. We will provide you with a written update at intervals of not more than 20 business days.

3. We aim to complete our investigation and issue a final response within 40 business days of receiving your complaint. If we cannot, we will tell you why and let you know when we expect to conclude.

4. Our final response will explain the outcome, the terms of any offer or settlement, and your right to refer the matter to the Financial Services and Pensions Ombudsman.

Financial Services and Pensions Ombudsman (FSPO). If you are not satisfied with our final response, or if 40 business days have passed without resolution, you may refer your complaint to:

Financial Services and Pensions Ombudsman Lincoln House, Lincoln Place, Dublin 2, D02 VH29 Telephone: +353 1 567 7000 Email: info@fspo.ie Website: www.fspo.ie

We maintain a log of all complaints and review complaints data at least every six months to identify and address any recurring issues.

16. Errors

If we become aware that an error has occurred which affects you, we will notify you promptly, explain what happened, and put you back in the position you would have been in had the error not occurred, including refunding any amount you have overpaid together with any appropriate interest.

17. Compensation and investor protection

Brokers Ireland Compensation Fund. We are a member of Brokers Ireland. Subject to the terms of the Brokers Ireland Compensation Fund, clients may be entitled to compensation from that fund where money or investments held by a member firm cannot be returned, up to a maximum of €100,000 per client, subject to the overall limit of the fund.

Professional indemnity insurance. As required under the European Union (Insurance Distribution) Regulations 2018, we hold professional indemnity insurance covering the territory of the European Union at the minimum levels prescribed from time to time.

18. Data protection and your personal information

We are the data controller for the personal data we collect about you. We process your personal data in accordance with the General Data Protection Regulation (EU) 2016/679 and the Data Protection Act 2018.

What we collect and why. We collect the information necessary to assess your needs and to arrange and administer the products you ask us about — including your identity and contact details, financial circumstances, family circumstances and, where relevant, health data, which is a special category of personal data.

Legal basis. We process your data on the basis that it is necessary to take steps at your request prior to entering into a contract, and to perform that contract; to comply with our legal and regulatory obligations (including anti-money laundering and Central Bank requirements); and, in the case of health data, on the basis of your explicit consent, which we will obtain separately.

Who we share it with. We share your data with product producers and their service providers for the purpose of obtaining quotations, arranging cover and administering claims; with our own service providers (for example IT, compliance and file-storage providers) under written contract; and with regulators, the Revenue Commissioners, the FSPO and other bodies where required by law.

Retention. We retain your records for the period required by law and regulation — currently a minimum of six years after the end of our relationship with you, and longer where a claim or complaint is outstanding or where a longer period is required (for example, in relation to certain pension and protection contracts).

Your rights. You have the right to access the personal data we hold about you, to have it corrected or erased, to restrict or object to processing, to data portability, and to withdraw consent where processing is based on consent. To exercise these rights, contact us at trevor@guidemefinancial.ie. You also have the right to lodge a complaint with the Data Protection Commission (www.dataprotection.ie).

Marketing. We will only use your details for direct marketing where we are permitted to do so. You may opt out at any time at no cost.

Our full Privacy Notice is available on our website and on request, and forms part of the information we give you.

19. Communications, language and records

• We will communicate with you in English. These Terms of Business, and all contractual documentation, are provided in English.

• We may communicate with you by post, telephone, email, SMS and secure electronic means. Where we communicate by electronic media, we maintain appropriate arrangements to protect the security of your information. If you would prefer not to receive information by email, please tell us.

• Telephone calls may be recorded for training, quality and regulatory purposes.

• We maintain records of the advice we give you and the transactions we arrange, and you may request a copy of information we hold on your file.

20. Supporting you

We are committed to acting in your best interests and to securing fair outcomes for you. If you have any additional needs — for example, arising from a disability, illness, bereavement, financial difficulty, limited literacy or numeracy, or a preference for information in a particular format — please tell us and we will do what we reasonably can to accommodate you. You are welcome to bring a family member, friend or adviser to any meeting.

21. Anti-money laundering

Under the Criminal Justice (Money Laundering and Terrorist Financing) Acts 2010–2021, we are required to verify the identity and address of our clients and, where relevant, the source of funds, before providing certain services. We will ask you for documentation for this purpose and may carry out electronic identity verification. We may be unable to act for you until this is completed.

22. Liability

Nothing in these Terms of Business excludes or limits any liability which cannot lawfully be excluded or limited, including liability for fraud, or any duty or liability we owe you under the Consumer Protection Code, the Insurance Distribution Regulations or other financial services legislation.

We are not responsible for the solvency of, or the performance of any product provided by, a product producer, nor for any act or omission of a product producer.

23. Governing law and jurisdiction

These Terms of Business are governed by the laws of Ireland, and the courts of Ireland have jurisdiction in relation to any dispute arising out of them. Nothing in this clause affects your right to refer a complaint to the Financial Services and Pensions Ombudsman.

Schedule 1 — Fees and Charges

• In most cases we are paid by commission from the product producer and no fee is payable by you.

• Where a fee applies, it will be agreed with you in writing in advance. If no fee has been agreed in writing, no fee is payable.

• No fee will exceed €250 for any piece of advice or any product arranged.

• Any commission we receive on the same business is offset against the fee (see section 8.2), so in many cases the amount you actually pay will be less than the agreed fee, or nothing at all.

• Fees are inclusive of VAT where VAT applies.

• Employer financial wellness programmes are quoted separately, in writing, in advance.

We do not charge for an initial consultation.

Schedule 2 — Product Producers

We hold agency appointments with the following product producers:

Life assurance, protection, pensions and insurance-based investments

• Aviva Life & Pensions Ireland DAC

• Irish Life Assurance plc

• Zurich Life Assurance plc

Health insurance

• Irish Life Health DAC

This list is kept under review and the current version is available on request and on our website. The addition or removal of a product producer does not, of itself, constitute a material change to these Terms of Business.