1.1 Authorisation with the Central Bank of Ireland

IGM Finance Limited t/a Agile Finance (C550360) is regulated by the Central Bank of Ireland as an insurance intermediary registered under the European Union (Insurance Distribution) Regulations, 2018, as an investment intermediary authorised under the Investment Intermediaries Act, 1995 as amended, and a mortgage intermediary authorised under the European Union (Consumer Mortgage Credit Agreements) Regulations 2016 and Section 151A(1) of the Consumer Credit Act 1995.

The Central Bank of Ireland holds registers of regulated firms. You may contact the Central Bank of Ireland on (01) 224 6000 or visit www.centralbank.ie to verify our credentials.

1.2 Codes of Conduct

IGM Finance Limited t/a Agile Finance is 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.

1.3 Our Services

IGM Finance Limited is a member of Brokers Ireland. Our principal business is to provide advice and arrange transactions on behalf of clients in relation to Life Assurance, Investments, Pensions and Mortgages. A full list of insurers, product producers, and lending agencies with which we deal is available on request.

The principal regulated activities of the firm are provided on the basis of a fair analysis of the market and you pay in full for our services by means of a fee and/or the firm can accept third party payments (i.e. commissions) from Providers.

1.3 Fair and Personal Analysis

The concept of fair and personal analysis describes the extent of the choice of products and providers offered by an intermediary. The number of contracts and providers considered must be sufficiently large to enable a recommendation that would be adequate to meet a client's needs. In order to ensure this, we consider: the needs of the customer; the size of the customer order; the number of providers in the market; market share of each provider; the number of relevant products available; availability of information about products; quality of product and service; cost; and any other relevant consideration.

1.4 Investment Intermediary Services

IGM Finance Limited is remunerated by commission for its investment intermediary services and for advice provided on insurance-based investment products (IBIPs).

1.5 Life, Pensions & Life Wrapped Investments

IGM Finance provides life assurance, life wrapped investments and pensions on a fair and personal analysis basis. We will provide assistance for any queries in relation to policies or investments that we recommend or arrange, or in the event of a claim. It is your responsibility to read the policy documents, literature and brochures, including key features documents and terms & conditions, to ensure you understand the nature of the cover, particularly in relation to income protection and specified illness policies.

1.6 Mortgages

IGM Finance Limited t/a Agile Finance can provide advice on and arrange mortgage products including: fixed-rate loans, variable rate mortgages, capital & interest mortgages, interest only mortgages, endowment mortgages, pension mortgages, and residential investment property, on a fair analysis basis. We will need to collect sufficient information from you before we can offer any advice on housing loans.

1.7 Debt Management Services

The firm provides debt management services including specialist mortgage advisory re-structuring services in relation to residential, buy-to-let and commercial mortgage debt and unsecured debt. This service includes but is not restricted to consultations, documentation review, drafting of correspondence and lender representation.

1.8 Sustainability Factors: Investment / IBIPs / Pension Advice

When providing advice, the firm does not currently consider the adverse impacts of investment decisions on sustainability in line with the Sustainable Finance Disclosure Regulation (SFDR). The firm will review this approach on an annual basis in January.

1.9 Statement of Charges

We may earn our remuneration on the basis of fee, commission, and any other type of remuneration, including a non-monetary benefit, or on a combination of these methods. Where we receive recurring commission, this forms part of the remuneration for initial advice provided.

1.9.1 Life & Pensions, General Advice & Reviews

An Initial Consultation Fee of €150 is charged and payable on the day. Additional fees are payable for specific cases including reviews, assessments and recommendations, agreed on a case-by-case basis in advance in writing:

• Director: €250 per hour
• Senior Advisor: €150 per hour
• Scale of fees range from a minimum of €150 to €300 per hour

If we receive commission from a product provider, this will be offset against the fee charged.

1.9.2 Investments & Savings

An Initial Consultation Fee of €150 is charged and payable on the day. Additional fees apply as per section 1.9.1 above. If we receive commission from a product provider, this will be offset against the fee charged.

1.9.3 Non-Regulated Reviews

Our Debt Advisory and other finance services support you in reviewing and understanding your financial position and exploring available options. These services are not regulated financial services as defined by the Central Bank of Ireland. Where regulated products or services are recommended, these will be clearly identified and provided in accordance with the relevant regulatory requirements.

1.9.4 Mortgages

We may receive up to 1% of the loan for arranging mortgage finance, paid by the mortgage lender. The actual amount will be disclosed in the ESIS (European Standardised Information Sheet). We charge a fee of €500 for advising on a mortgage application. This fee is non-refundable and is not an indication of mortgage approval. If we obtain a Loan Offer and you subsequently do not proceed through our firm, an arrangement fee of €500 is chargeable.

1.9.5 Clawback

If commission received from a product provider is subsequently clawed-back due to early encashment, transfer of assets, or any circumstances consequent on your actions or omissions, we may charge a fee of up to 100% of the clawed-back commission.

1.10 Ongoing Suitability

We will provide periodic assessments of the suitability of insurance-based investment products we have recommended. It is in your best interests to review, on a regular basis, the products we have arranged for you. As your circumstances change, your needs will change. Please advise us of those changes so we can ensure you have up-to-date advice and products best suited to your needs.

1.11 Conflicts of Interest

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

1.12 Default on Payments by Clients

We will exercise our legal rights to receive payments due from clients for services provided. Product producers may withdraw benefits or cover in the event of default on payments. Mortgage lenders may seek early repayment of a loan and interest if you default on repayments. Your home is at risk if you do not maintain your agreed repayments.

1.13 Complaints

Whilst we are happy to receive verbal complaints, it is preferable that complaints are made in writing. We will acknowledge your complaint in writing within 5 business days and fully investigate it. Updates will be provided at intervals of not greater than 20 business days. On completion of our investigation, we will provide a written report of the outcome. If you remain dissatisfied, you are entitled to refer the matter to the Financial Services and Pensions Ombudsman (FSPO). A full copy of our complaints procedure is available on request.

1.14 Data Protection

IGM Finance Limited t/a Agile Finance complies with the requirements of the General Data Protection Regulation 2018 and the Data Protection Acts as amended. We are committed to protecting and respecting your privacy. Please refer to our Privacy Statement for full details of how we process your data.

1.15 Investor Compensation Scheme

We are members of the Investor Compensation Scheme operated by the Investor Compensation Company Ltd. Compensation may be payable where money or investment instruments owed or belonging to clients cannot be returned. Where an entitlement to compensation is established, the compensation payable will be the lesser of 90% of the client's recognised loss, or up to €20,000. For further information contact the Investor Compensation Company Ltd. at (01) 224 4955.

1.16 Brokers Ireland Compensation Fund

We are also members of the Brokers Ireland Compensation Fund. Subject to the rules of the scheme, the liabilities of member firms up to a maximum of €100,000 per client (or €250,000 in aggregate) may be discharged by the fund if the member firm is unable to do so, where the Investor Compensation Scheme has failed to adequately compensate a client. Further details are available on request.

For the purposes of the GDPR the data controller is IGM Finance Limited t/a Agile Finance. Our contact details are:
Address: 10 The Rosefinch, Barnageeragh Cove, Skerries, Co. Dublin
Phone: +353 83 458 02 60
Email: info@agilefinance.ie

Who Are We?

IGM Finance Limited t/a Agile Finance (C550360) is regulated by the Central Bank of Ireland as an insurance intermediary registered under the European Union (Insurance Distribution) Regulations 2018, as a Mortgage Intermediary under the Consumer Credit Act 1995, and as a Mortgage Credit Intermediary under the European Union (Consumer Mortgage Credit Agreements) Regulations 2016.

Copies of our regulatory authorisations are available on request. The Central Bank of Ireland holds registers of regulated firms. Contact them on 1890 777 777 or visit www.centralbank.ie.

Our GDPR Owner: Liam Murphy | info@agilefinance.ie | +353 83 458 02 60

How Do We Collect Your Information?

We collect personal information when you: request a service from us; register with or use our website or online applications; use our website and it installs cookies or tracking technologies; engage with us on social media (Instagram, LinkedIn, YouTube); contact us with a complaint or query; or apply for a position with us.

What Information Do We Collect?

The information we collect includes, but is not limited to:

• Contact and identifying information (name, address, email, phone)
• Unique identifiers including PPS number
• Demographic details: age, gender, marital status, date of birth, dependants, photo ID
• Family and beneficiary data
• Employment information: role, employment status, salary, employment benefits and history
• Health information where required for insurance products
• Financial details: bank account details, credit history, bankruptcy status
• Claims data from you and relevant third parties
• Marketing preferences: we will only send direct marketing with your explicit consent
• Online information including visits to our websites and social media interactions
• Sanctions and AML searches

How Do We Use Your Personal Data?

Your personal data will be used to fulfil our contractual obligations in relation to your requests for investment and savings, protection, pension products, independent financial advice, quotes, strategic financial advice and assistance in banking negotiations.

Legal Basis for Processing

Your Rights as a Data Subject

• Right of access: request a copy of the information we hold about you
• Right of rectification: correct data that is inaccurate or incomplete
• Right to be forgotten: in certain circumstances ask for data to be erased
• Right to restriction of processing
• Right of portability
• Right to object: including to direct marketing

Complaints

If you wish to make a complaint about how your personal data is being processed, contact our GDPR Owner at info@agilefinance.ie, or the Data Protection Commission: 21 Fitzwilliam Square South, Dublin 2. www.dataprotection.ie

Contact Us

If you have any comments or questions regarding this statement, please contact us at info@agilefinance.ie. This privacy notice was last reviewed in February 2026 v2.

The Background

Pursuant to provision 32 of the Revised Consumer Protection Code 2025 (formally CP116 requirement), all intermediaries, must make available in their public offices, or on their website if they have one, a summary of the details of all arrangements for any fee, commission, other reward or remuneration provided to the intermediary which it has agreed with its product producers.

What is Remuneration?

Remuneration is the payment earned by the intermediary for work undertaken on behalf of both the provider and the consumer. The amount of remuneration is generally directly related to the value of the products sold.

What is Commission?

Commission is payment that may be earned by an intermediary for work undertaken for both provider and consumer. There are different types of remuneration and different commission models:

• Single commission model: where payment is made to the intermediary shortly after the sale is completed and is based on a percentage of the premium paid/amount invested/amount borrowed.
• Trail/Renewal commission model: Further payments at intervals are paid throughout the life span of the product.
• Indemnity Commission: the term used to describe a commission payment made before the commission is deemed to be 'earned'. Indemnity commission may be subject to a clawback if the consumer lapses or cancels the product before the commission is deemed to be earned. Other forms of indemnity commission are advances of commission for future sales granted to intermediaries in order to assist with set up costs or business development.

Sustainability Factors: Investments/IBIPs/Pension Advice

When assessing products, we will consider the different approach taken by product providers in terms of them integrating sustainability risks into their product offering. This will form part of our analysis for choosing a product provider.

General Insurance Products

General insurance products, such as motor, home, travel, health, retail or liability insurance, are typically subject to a single or standard commission model, based on the amount of premium charged for the insurance product.

Profit Share Arrangements

In some cases, the intermediary may be a party to a profit-share arrangement with a product provider and will earn additional commission. Any business arranged with these product providers on a client's behalf will be placed with the product provider because that product provider is at the time of placement, the most suitable to meet the client's requirements, taking all the client's relevant information, demands and needs into account.

Life Assurance / Investments / Pension Products

For Life Assurance products commission is divided into initial commission and renewal commission (related to premium), fund based or trail (relating to accumulated fund). Trail commission, bullet commission, fund based, flat commission or renewal commission are all terms used for ongoing payments. Where an investment fund is being built up through an insurance-based investment product or a pension product, the increments may be based on a percentage of the value of the fund or the annual premium. For a single premium/lump sum product, the increment is generally based on the value of the fund.

Life Assurance products fall into either individual or group protection policies and Investment/Pension products would be either single or regular contribution policies. Examples of products include Life Protection, Regular Premium Life Assurance Investments, Single Premium (lump sum) Insurance-based Investments, and Single Premium Pensions.

Investments

Investment firms, which fall within the scope of the European Communities (Markets in Financial Instruments) Regulations 2007 (the MiFID Regulations), offer both standard commission and commission models involving initial and trail commission. Increments may be based on a percentage of the investment management fees, or on the value of the fund.

Credit Products / Mortgages

Commission may be earned by intermediaries for arranging credit for consumers, such as mortgages. The single, or standard, commission model is the most common commission model applied to the sale of mortgage products by mortgage credit intermediaries (Mortgage Broker).

Clawback

Clawback is an obligation on the intermediary to repay unearned commission. Commission can be paid directly after a contract is concluded but is not deemed to be 'earned' until after a specified period of time. If the consumer cancels or withdraws from the financial product within the specified time, the intermediary must return commission to the product producer.

Fees

The firm may also be remunerated by fee by the product producer such as policy fee, admin fee, or in the case of investment firms, advisory fees.

Other Fees, Administrative Costs / Non-Monetary Benefits

The firm may also be in receipt of other fees, administrative costs, or non-monetary benefits such as:

• Attendance at product provider seminars
• Assistance with Advertising/Branding

IGM Finance Limited t/a Agile Finance believes in transparency and clarity in respect of commissions and remuneration and we will ensure this is outlined to you as part of our engagement process. Our preference is to seek to focus on optimising your interests and focus on regular sustainable commission rather than high initial commission models. This assists us in avoiding any provider bias and in most circumstances we do not take the highest initial commission rate available. Specifics of the actual commission payable for an individual policy are provided in the disclosure documentation at policy issue.

IGM Finance Limited t/a Agile Finance commission options are displayed as a range, showing the maximum amount which can be received. The level of commission depends on individual circumstances, based on the following factors:

• Intermediary discretion
• Whether the level of commission is negotiable
• Client relationship
• Length of time of the policy
• Amount of investment
• Length of investment
• Commercial decision
• Complexity of the case
• Product constraints by the product provider

Maximum Commission Rates: Single Contribution Products

Maximum Commission Rates: Regular Contribution Products

Individual Protection: Maximum Commission Rates

Group Protection: Maximum Commission Rates

Mortgages