Draft — pending review
This page was generated as a starting point and has not been reviewed by a compliance officer or attorney. Anything marked [placeholder] needs a real answer from Mooirivier Makelaars before this page is treated as accurate or published as final.
Terms of Business
Last updated: [placeholder — date of final sign-off] · Mooirivier Makelaars · FSP 14865
This document sets out the terms on which Mooirivier Makelaars provides financial services to you, as required by the Financial Advisory and Intermediary Services Act (FAIS) General Code of Conduct.
1. Who we are
Mooirivier Makelaars is an authorised Financial Services Provider, FSP number 14865, licensed by the Financial Sector Conduct Authority (FSCA).
Office: 9 Walter Sisulu, Potchefstroom, North West Province, 2531
Phone: 087 170 0974
Email: potchbem1@mooirivier.com
Licensed product categories: [placeholder — list the FAIS product categories Mooirivier Makelaars is licensed for, e.g. short-term personal lines, short-term commercial lines]
2. The service we provide
We act as an intermediary between you and insurers, helping you select and arrange insurance cover suited to your needs. [placeholder — confirm whether advice is based on a fair analysis of the market, or on a limited/single range of insurers, as FAIS requires this to be disclosed]
3. How we're paid
We're remunerated by commission from insurers on the policies we place, as described in our Conflict of Interest policy. We'll disclose any other fees before you incur them.
4. Professional indemnity and fidelity cover
[placeholder — confirm current professional indemnity insurance and fidelity guarantee cover held, as required for FSP compliance]
5. Your responsibilities
To help us give you appropriate advice, please:
- Give us complete and accurate information, including your full claims and insurance history
- Let us know promptly if your circumstances or risk profile change
- Review your policy documents when you receive them, and query anything that looks wrong
6. Complaints
If you're unhappy with our service, please contact us directly first so we can try to resolve it. If we can't resolve it to your satisfaction, you may refer your complaint to:
FAIS Ombud
Website: faisombud.co.za
7. Ending this relationship
You may end your mandate with us at any time by giving us written notice. We may also end our services to you on reasonable notice, without affecting cover already placed and in force.
8. Related policies
This document should be read together with our Privacy Policy, Conflict of Interest policy, and PAIA Manual.