Disclosures Policy

1. Regulatory Disclosures

Licensing & Compliance

• We are a licensed insurance broker registered with the Financial Sector Conduct Authority (FSCA) (or relevant regulatory body).
• Our FSP number: 47390.
• We adhere to the Protection of Personal Information Act (POPIA) and other relevant data protection laws.

Conflict of Interest Policy

• We act in the best interests of our clients.
• We disclose any potential conflicts of interest before providing advice.
• We do not receive undisclosed commissions that could influence recommendations.

2. Privacy & Data Protection

How We Use Your Information

• Personal data is collected for insurance underwriting, claims processing, and legal compliance.
• We do not sell your data to third parties.
• For full details, see our Privacy Policy.

Cookies & Tracking

• Our website uses cookies to improve user experience.
• You can manage preferences in your browser settings.

3. Terms of Service

Insurance Quotes & Policies

• Quotes are subject to underwriting approval.
• Coverage terms are binding only upon policy issuance.

Claims & Disputes

• Claims must be reported promptly per policy conditions.
• Disputes may be escalated to the [Ombudsman for Short-Term/Long-Term Insurance] if unresolved.

4. Financial & Legal Disclosures

Fees & Commissions

• We may earn commissions from insurers, disclosed in your policy documents.
• No hidden fees—all charges are transparent.

Limitation of Liability

• We provide advice based on information supplied by clients.
• We are not liable for uninsured losses or misrepresentation of risk.

5. Policy Changes & Updates

• Terms, pricing, and coverage may change subject to insurer updates.
• Clients will be notified of material changes affecting their policies.

Acknowledgment

By using our services, you confirm that you have read and understood these disclosures.