Telephone Contact

You may make telephone contact with a consumer who is an existing customer, only if:

(a) you have within the previous twelve months, provided that consumer with a product or service similar to the purpose of the telephone contact;

(b) the consumer holds a product which requires you to maintain contact with the consumer in relation to that product and that the contact is in relation to that product;

© the purpose of the telephone contact is limited to offering protection policies only; or

(d) the consumer has given his or her consent to being contacted in this way by you.

You may make telephone contact with a consumer other than an existing customer, only if:

(a) the consumer has signed a statement, within the previous twelve months, giving the regulated entity permission to make telephone calls to him or her for specified purposes and the contact is in respect of such specified purposes;

(b) the consumer has a listing in the business listing section of the current telephone directory, classified telephone directory or in trade/professional directories circulating in the State and contact is made via the business telephone number;

© the consumer is a director of a company, or a partner in a firm with an entry in one of the directories listed in b) above and contact is made via the business telephone number of the company or firm in question and isin connection with theirrole as director of the company or partner in the firm;

(d) the consumer is the subject of a referral, for which the consumer has provided express consent received from an entity authorised to provide financial services in Ireland, another entity within the same group, a solicitor or a certified person; Note: the activity of “referring” or “introducing” in respect of an insurance product is not contained within the IDR and therefore does not fall with the definition of regulated activities. The result of this is that a fee, commission, other reward or remuneration may be paid for referrals/introductions FOR INSURANCE PRODUCTS ONLY.

(e) This does not apply to investment or mortgage introductions or referrals, which continue to be subject to Chapter 3.25 of the Consumer Protection Code, as outlined.

(f) the purpose of the contact is limited to offering protection policies.

In relation to d) above, such a referral must be followed up by an indication to the consumer, by the regulated entity that the referral has been made and asking for consent to proceed.

▪ You must ensure that, where you make telephone contact on foot of a referral, you retain a record of the referral.

▪ Telephone contact, made in accordance with this Code, may be made only between 9.00 a.m. and 9.00 p.m. Monday to Saturday (excluding bank holidays and public holidays), unless otherwise agreed with the consumer.