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Legal

Consumer Duty Policy

How CRS Energy meets its obligations under the FCA Consumer Duty.

CRS Energy - Consumer Duty Policy

1. Purpose

This policy explains how CRS Energy meets its obligations under the FCA Consumer Duty. We operate as an Introducer Appointed Representative of HTG Finance Ltd ('Hometree'), who is the principal firm. Our main goal is to make sure all customers receive good results and are treated fairly.

This policy follows the Financial Conduct Authority (FCA) rules for Consumer Duty (PRIN 12) and other relevant parts of the FCA Handbook.

2. Scope

This policy applies to everyone at CRS Energy, including all staff and contractors. It covers anyone who helps introduce customers to Hometree's regulated products.

3. Consumer Duty Principle

CRS Energy works to deliver good outcomes for customers. We support this through four key areas:

3.1 Products and Services

  • We only offer products and services that Hometree has checked and approved.
  • We ensure our services are only offered to the right customers as identified by Hometree.

3.2 Price and Value

  • Any information we share about prices or fees must be approved by Hometree first.
  • How we are paid will never be allowed to cause poor results for our customers.

3.3 Consumer Understanding

  • We only introduce customers to Hometree; we do not provide financial advice ourselves.
  • All marketing materials are approved by Hometree before we use them.
  • Everything we say to customers will be clear, fair, and honest.
  • We provide accurate information so customers understand our role as an introducer.
  • If a customer has specific questions about Hometree's products, we will direct them to Hometree for the answer.

3.4 Consumer Support

  • We make it easy for customers to get the support they need without unnecessary hurdles.
  • Any complaints or detailed queries are passed to Hometree immediately.

4. Governance and Oversight

  • CRS Energy works closely with Hometree to provide any data or reports they need to check our standards.
  • We keep clear records to prove we are following this policy.

5. Training and Awareness

Every team member must complete the Consumer Duty training provided by Hometree.

6. Review

We review this policy every year. We will also update it sooner if our activities change or if the FCA updates their rules.

Last reviewed: August 2026