Where to find the documents you need
Jargone reads the document a company or an authority sent you. Here is where each kind comes from, and what to ask for if you do not have it in front of you.
Financial product
The fund company, insurer or bank that sells the product has to give you its own document: a fact sheet, a summary prospectus, a fee table or a contract schedule.
Ask whoever offered it to you: “Please send me the product document with the fees and the terms.” Send us that, not a statement of what you hold.
Terms and conditions
The terms you were asked to accept, as the company published them: on the sign-up page, in the welcome email, or behind the link in the footer of their site.
If you cannot find them, ask the company for the full terms that apply to your account.
Bill or tariff
The bill itself, from the supplier's website, their app, or the post. Your name and account number are printed on it, and that is fine.
If you have the tariff sheet as well, add it: it sets out the rates the bill charges.
Letter from the tax office
The letter or notice as the authority sent it, every page, including the ones that look like small print.
It will be addressed to you, and that is fine. Do not send your tax return with it.
Medical bill or coverage letter
The bill from the provider, the Explanation of Benefits from your insurer, or the letter that turned a claim down.
Your insurer's website usually keeps these under claims. Do not send test results, scans or medical records.
Contracted work
The update the people doing the work sent you, in the form they sent it: an email, a PDF, or a page from the tool they track the work in.
If it was given in a meeting, ask them to put the same update in writing.
Asking for these documents is your right.
A company that sells you something has to tell you its terms and its charges when you ask. You are not being difficult, you are being informed.