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Legal Documentation

Taking a look at the legal side of things


Our code of conduct

We aim to lead our industry in service, prioritizing trust, honesty, and integrity in all we do. Our clients' interests are paramount, guiding our approach to exceed expectations and foster long-term relationships. By aligning our success with our clients’, we commit to a standard of excellence and a client-centric strategy that sets us apart, ensuring their needs and future prospects are always at the forefront of our actions.

We Will

  • At all times, and in relation to all parties, conduct our business honestly, transparently, with integrity and in good faith.
  • Put the interests of our clients above all else – even our remuneration.
  • Keep clients’ information confidential and use it only when negotiating, maintaining, renewing or servicing their financial needs, unless consent has been obtained.
  • Comply with all legislation, acts and regulations relating to the financial services industry.
  • Ensure our employees fully understand members’ obligations under this code, and that they are kept up to date with any other guidelines that may be issued.
  • Ensure any statements we make – whether in advertisements, circulars, or publicity or promotional material – are factually correct and do not contain misleading or extravagant claims.
  • Stipulations

  • Make management and executives, both individually and collectively, account to regulators and other stakeholders for failed governance process and protocol.
  • Protect, promote and advance the image, standing and common interest of the professional financial services industry.
  • Consistently promote the improvement and standard of financial products, financial advice and intermediary services provided within the industry.
  • Promote and uphold high ethical standards and good business practices within the financial services industry to ensure the sector as a whole maintains a good image and reputation.
  • Make current and potential clients aware that we impose the code on ourselves to distinguish us from average industry expectations.
  • Stay relevant within the financial services industry and up to date with legislative and regulatory changes; and implement these changes at the strategic, operational and risk management levels.
  • Treating Customers Fairly

    We're committed to delivering the highest standards of service, proudly supporting the 'Treating Customers Fairly' initiative. By focusing on your best interests and ensuring fairness in all our dealings, we understand that this approach benefits both our customers and us. Our goal is to build trust and foster a positive relationship through every interaction.

    Business Management Systems

    We customise advanced business and IT solutions to meet the requirements driven by emerging trends and expanding markets. These cutting-edge solutions are either developed in-house or are outsourced to niche specialists, allowing us to be highly competitive in the market, giving us greater control of our business, and ultimately benefiting you, the client. We regularly revisit existing strategies, systems, procedures and processes to ensure our business remains at the forefront of innovation in the financial services industry.

    Services and Technology

    We set exceptional standards through understanding there is only one way to run a successful business. All our employees believe they have a role to play in continually improving service, and they are valued for their contribution. Highly advanced management and IT solutions complement this by keeping us ahead of the curve, enabling us to understand and even predict future events.

    Our Commitment to you

    We are committed to delivering a transparent and customer-focused service, starting with providing clear information about the products and services we offer. Understanding that each client has unique needs, preferences, and circumstances, we make it a priority to ascertain these details before recommending any product. Our recommendations will only be made if we believe a product is not only suitable for you but also affordable. In the event that we cannot find a product we consider suitable, we will not recommend anything. We encourage open communication and welcome any questions you may have, especially if there's something you don't understand. Furthermore, should you become unhappy with our service, we will provide you access to a formal complaints procedure, ensuring that your concerns are addressed promptly and effectively.

    How you can help us

    To ensure that we provide you with the most appropriate advice, we will request that you share comprehensive details about your income and expenses. This information is crucial for us to accurately assess how much you can afford, enabling us to tailor our advice to your financial situation. Additionally, we ask that you inform us about any changes that might affect your ability to pay premiums, ensuring that the advice we offer remains relevant and sustainable for your circumstances. We also encourage open communication about any aspects of our service or products that you may find confusing or unclear. Your understanding is important to us, and we are here to clarify any doubts. Lastly, we welcome your feedback and suggestions for improvement. Your insights are invaluable in helping us enhance our service and better meet your needs.