Authorised and Regulated by the Financial Conduct Authority, We are a Credit Broker and not a Lender and we offer Credit Facilities from one Lender.
Credit is provided by Ikano Bank AB (publ) and is available subject to status to UK residents aged 18 or over. AOS Energy Efficient Heating Systems acts as a credit broker not a lender and offers credit products for Ikano Bank AB (publ) only. Ikano Bank is authorised in Sweden by Finansinspektionen, the regulator for banks in Sweden, and is subject to limited regulation by the Financial Conduct Authority. Ikano Bank is a trading name of the UK branch of Ikano Bank AB (publ), which is registered with branch number BR016253. The registered office of the UK branch of Ikano Bank AB (publ) is Waterfront House, Waterfront Plaza, Station Street, Nottingham, NG2 3DQ.
Who are we?
We are authorised and regulated by the Financial Conduct Authority FRN 769529. We act as a credit broker not a lender and offer finance from one lender. AOS Energy Efficient Heating Systems Ltd is a trading name of AOS Energy Efficient Heating Systems Ltd.
T: 0800 0282823
If you have any requests concerning your personal information or any queries with regard to these practices please contact us.
We collect personal information from visitors to this web site through the use of enquiry forms and every time you e-mail us your details. Other than this, we do not store or capture personal information but simply log your IP address (this is the technical standard which ensures messages get from one host to another and that the messages are understood) which is automatically recognised by the web server.
Use of personal information
We process personal information collected via this web site for the purposes of: -
• Identifying potential customers.
• Dealing with your requests and enquiries.
• Providing you with information about products and services offered by AOS Energy Efficient Heating Systems Ltd.
We do not sell personal information collected through this site or use your personal information for any other purposes than those stated above.
We endeavour to take all reasonable steps to protect your personal information. All the data collected by us is stored on a secure server. The secure server software encrypts all information you input before it is sent to us.
Using your information for fraud prevention
We may share your personal information with fraud prevention agencies. If false or inaccurate information is provided and fraud is identified, details of this fraud will be passed to those agencies to prevent fraud and money laundering.
Checking your identity
We may ask you to provide physical evidence of identity verification as a lender will search the files of credit reference agencies which will keep a record of their search, whether or not your application for a loan proceeds. This is not seen by us or shared with any other 3rd parties unless written consent is received from you.
Money Laundering Checks
To comply with Anti-Money Laundering regulation, there are times when the lender will need to confirm or re confirm your name and address. This is not seen or shared with any other 3rd parties unless written consent is received from you.
How we manage Special Category Data
In the unlikely event of us receiving Special Category Data as defined in GDPR https://ico.org.uk/for-organisations/guide-to-the-general-data-protection-regulation-gdpr/lawful-basis-for-processing/special-category-data/ AOS Energy Efficient Heating Systems Ltd. will inform you of the receipt of this information to discuss the deletion of this data.
AOS Energy Efficient Heating Systems Ltd will not disclose personal information to other companies and suppliers as we do not use third parties to process your data.
Given that the Internet is a global environment, using the Internet to collect and process personal data necessarily involves the transmission of data on an international basis. Therefore, by browsing this web site and communicating electronically with us you acknowledge and agree to our processing of personal data in this way.
Personal Data and your rights
If we collect any personal data from you, you have the right to receive/amend/delete information about the personal data we hold about you. AOS Energy Efficient Heating Systems Ltd. do not charge a fee for this unless we believe the request is excessive or unfounded. If we refuse a request we will tell the individual why and that they have the right to complain to the supervisory authority and to judicial remedy. AOS Energy Efficient Heating Systems Ltd will do this without undue delay and at the latest within 1-month.
If at any time you no longer wish to receive any of our e-bulletins, newsletters or other information for which you have subscribed our partner retailer process, then please contact us so that we can remove your relevant details.
Updated 22nd June 2021
Complaints Contact Details:
Telephone: 01992 666 060
Any complaint verbal or written, including electronically, will be referred to our complaint's manager at the earliest opportunity or to a member of the senior management if the complaints manager is unavailable. We will also
-Record details on the firm's system immediately
-We will not delay your complaint by asking you to write to us about your complaint
-We will acknowledge the complaint in writing promptly
-We will make contact to seek clarification on any points where necessary
-Fully investigate the complaint
-Keep you informed of our progress
-Discuss with you our findings and proposed response
-Ensure that our firm partners have a compliant complaints procedure and are communicating with their customer using this
-Provide clear deadlines to respond
You will receive contact from us advising on progress if we cannot respond immediately. We will let you have our final response as soon as possible and not later than eight weeks.
AOS Energy Efficient Heating Systems
Customers may express dissatisfaction to us about our products and services. We will need to establish whether or not the complaint relates to the information given, the firm or the service and installation. If unclear, this must not delay investigation and we will proceed with our own investigation. The complaints manager will review this matter and take the complaint to the firm for them to investigate and provide a written explanation and any supporting information. This may include photos, checklists or remedial satisfaction notes.
The complaints manager will establish the nature and scope of the complaint having due regards to the Financial Conduct Authority's direction:
-Deal with complaints promptly and fairly
-Give complainants clear replies and, where appropriate, fair redress
-We may take up to 8-weeks to provide a response
It is the firm's policy to treat all complainants the same, however, eligible complainants, customers that have purchased goods and services using a lenders finance, are legally defined and have additional rights in law that we must acknowledge and adhere to.
The Financial Conduct Authority complaints rules apply to complaints:
-Made by, or on behalf of an eligible complainant.
-Relating to regulated activity.
-Involving an allegation that the complainant has suffered, or may suffer, financial loss, material distress or material inconvenience.
This will set out clearly our decision and the reasons for it. If any compensation is offered a clear method of calculation will be shown.
The firm must include details of the Financial Ombudsman Service in the final response if dealing with an eligible complainant and a regulated activity, we will:
-Explain that the complainant must refer the matter to the ombudsman within six months of the date of the final response letter or the right to use this service is lost
-Indicate whether or not we consent to waive the relevant time limits.
Complaints Settled within 3 business days
Complaints that can be settled to the customer's satisfaction within 3 business days can be recorded and communicated differently.
Where we consider a complaint to be resolved to the customer's satisfaction under this section, the firm will promptly send a 'Summary Resolution Communication', being a written communication from them which:
(1) Refers to the fact that the customer has made a complaint and informs them that they now consider the complaint to have been resolved to the customers satisfaction.
(2) The firm will tell the customer that if they subsequently decide that they are dissatisfied with the resolution of the complaint they may be able to refer the complaint back to the firm for further consideration or alternatively refer the complaint to the Financial Ombudsman Service;
(3) Provide the website address of the Financial Ombudsman Service; and
(4) Refer to the availability of further information on the website of the Financial Ombudsman Service.
In addition to sending you a Summary Resolution Communication, the firm may also use other methods to communicate the information where:
(1) We consider that doing so may better meet the customer's needs; or
(2) They have already been using another method to communicate about the complaint. This may include recorded calls, emails or text messages.
Closing a complaint
We will consider a complaint closed when we have made our final response to the customer. This does not prevent a customer from exercising any rights they may have to refer the matter to the Financial Ombudsman Service.
Financial Ombudsman Service
We will co-operate fully with the Ombudsman in resolving any complaints made against us and agree to be bound by any awards made by the Ombudsman. The firm undertakes to pay promptly any fees levied by the Ombudsman.
How Long You Have to Complain to the Financial Ombudsman Service
You have the right to refer your complaint to the Financial Ombudsman Service, free of charge - but you must do so within six months of the date the final response letter.
If you do not refer your complaint in time, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances. For example, if the Ombudsman believes that the delay was as a result of exceptional circumstances.
The Financial Ombudsman Service, Exchange Tower, London E14 9SR
Tel: 0800 023 4567 (free for most people ringing from a fixed line) or 0300 123 9123 (cheaper for those calling using a mobile) or 020 7964 0500 (if calling from abroad)
Last updated: June 2021