Our products have been designed to meet the requirements of our clients. We will at all times deliver on customer service and customer expectations by enforcing the principles of Treating Customers Fairly (TCF). The TCF principles ensure we apply fairness to all client experiences relating to new business, policy terms, service and claims processes.

• The TCF framework has 6 outcomes which are:
• You are confident that your fair treatment is key to our culture
• Products and services are designed to meet your needs
• We will communicate clearly, appropriately and on time during the lifespan of your policy
• In the event of us providing advice, such advice is suitable to your needs and circumstances
• Our products and services meet your standards and deliver what you expect
• There are no unreasonable barriers to access our services, or to lodge a claim, or to lodge any complaints  

We have considered the Conflict of Interest provisions in terms of the FAIS Act 37 of 2002 and the Policyholder Protection Rules and have not identified any actual or potential conflicts of interest, either ownership interest, financial interest, third party relationships, associates or distribution channels as defined. We adopted a values based approach where the spirit of the legislation is embraced. This is reviewed at least annually and reported on to the Financial Sector Conduct Authority. Our Insurance Conflict of Interest Management Policy can be viewed HERE.