Regulatory Information

FCA Authorisation

Ever North Limited is authorised and regulated by the Financial Conduct Authority (FCA). The FCA is the conduct regulator for nearly 50,000 financial services firms and financial markets in the UK.

Regulatory Permissions

Ever North Limited holds FCA permissions to carry on the following regulated activities:

• Arranging (bringing about) regulated mortgage contracts
• Making arrangements with a view to regulated mortgage contracts
• Advising on regulated mortgage contracts
• Arranging (bringing about) a home reversion plan
• Making arrangements with a view to a home reversion plan
• Advising on a home reversion plan
• Arranging (bringing about) a regulated sale and rent back agreement
• Insurance distribution — advising, arranging and assisting with life insurance and protection products

Consumer Duty

Ever North Limited is committed to full compliance with the FCA's Consumer Duty (PS22/9), which came into force on 31 July 2023. The Consumer Duty requires firms to act to deliver good outcomes for retail customers.

Our Consumer Duty framework covers the four outcome areas:

• Products and services — ensuring our AR package and mortgage products meet the needs of the target market
• Price and value — ensuring our fees and income arrangements represent fair value to customers and ARs
• Consumer understanding — ensuring all communications are clear, fair, and not misleading
• Consumer support — ensuring clients and ARs receive appropriate support throughout their relationship with us

As a principal firm, Ever North is responsible for ensuring that its appointed representatives also comply with Consumer Duty requirements. We provide training, oversight, and guidance to support ARs in meeting these obligations.

AR Oversight Responsibilities

Under FCA rules (SYSC 12 and the Appointed Representatives Regime), Ever North as principal firm is responsible for ensuring that its appointed representatives comply with FCA requirements in carrying on regulated activities.

Our AR oversight programme includes:

• Pre-appointment due diligence and fit and proper assessment
• Ongoing monitoring of AR conduct and case quality
• Regular file reviews and compliance audits
• Annual formal compliance review for each AR
• SMCR certification and conduct rules oversight
• Consumer Duty compliance monitoring
• RegData submission oversight

Complaints Procedure

If you have a complaint about Ever North Limited or any of our appointed representatives, please follow the steps below.

FSCS Coverage

Data Protection & ICO Registration

Ever North Limited is registered with the Information Commissioner's Office (ICO) as a data controller under the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

We process personal data only for legitimate business purposes and in accordance with our Privacy Policy. For full details of how we collect, use and retain your personal data, please see our Privacy Policy.

If you have a concern about how we handle your personal data, you may contact the ICO at www.ico.org.uk or call 0303 123 1113.

Data Retention Policy Overview

Ever North retains personal data for as long as necessary to fulfil the purpose for which it was collected, and as required by FCA rules and applicable legislation.