CELTIS STATUTORY DISCLOSURE
CONTACT DETAILS
📍 Kloofzicht Building, Unit 4
28 Koorsboom Avenue
Rustenburg, 0299
📞 Tel: 014 533 1021
✉️ Email: celtis@celtis.co.za
PRODUCT PROVIDERS
Long-Term Insurance Solutions
Old Mutual, Sanlam, Liberty, Momentum, Brightrock, Discovery Life, BidvestLife (ex FMI), Hollard, Clientele Life, Capital Legacy & Professional Provident Society (PPS)
Investment & Retirement Solutions
Old Mutual, Sanlam, Glacier, Liberty, Momentum, Boutique Collective Investments, Discovery Invest, Ninety One, INN8, Credo, Allan Gray and Investec
Short-Term Insurance Solutions
Consort Underwriters, Old Mutual Insure, Santam, Discovery Insure, CCIRC, CIA, Quicksure, Firedart Underwriting, Senate, AC&E, Cyclesure, SHA, Taylor-Made and Mirabilis.
Declaration Regarding Remuneration and Income
Celtis Financial Services ensures that no more than 30% of its total income or remuneration is sourced from any one of the product providers listed above.
DIRECTORS
Gideon Petrus Louw
Key Individual
Managing Director
Pieter Nicolaas Esterhuizen
Key Individual
Non-Executive Director
Stefan Helgard Kruger
Non-Executive Director
OMBUD CONTACT DETAILS
💼FAIS Ombud
Managing and resolving complaints related to financial advisory and intermediary services.
📍125 Dallas Avenue, Menlyn Central, Waterkloof Glen, Pretoria
📞012 762 5000
✉️ info@faisombud.co.za
🌐 www.faisombud.co.za
🏢National Financial Ombudsman Scheme South Africa (NFOSA / “NFO”)
Responsible for resolving complaints involving both Short-Term and Long-Term insurance providers.
This office is the result of the amalgamation of the former Short-Term and Long-Term Insurance Ombuds.
Johannesburg Office:
📍110 Oxford Rd, Houghton Estate, Johannesburg, Gauteng, 2198
Cape Town Office:
📍 Claremont Central Building, 6th Floor, 6 Vineyard Road, Claremont, Western Province, 7700
📞 0860 800 900
✉️ info@nfosa.co.za
🌐 www.nfosa.co.za
🏥Council for Medical Schemes
Regulates medical schemes and resolves complaints relating to such services.
📍 Block A, Eco Glades 2 Office Park, 420 Witch-Hazel Avenue, Eco Park, Centurion
📞 012 431 0500
✉️ information@medicalschemes.co.za
🌐 www.medicalschemes.co.za
🏦Financial Sector Conduct Authority (FSCA)
Oversees the conduct of financial institutions and ensures that the financial sector is fair, efficient, and transparent.
📍 River Walk Office Building B, 41 Matroosberg Road, Garsfontein, Pretoria
📞 012 428 8000
✉️ info@fsca.co.za
🌐 www.fsca.co.za
FINANCIAL ADVISOR INTERMEDIARY SERVICES (FAIS)
The Financial Service Provider (FSP) warrants that any adviser who renders financial services to a client complies with the fit and proper requirements in terms of the FAIS Act.
Without in any way limiting and subject to the provisions of the services agreement, the FSP accepts responsibility for the lawful actions of the adviser in rendering financial services within the course and scope of their employment.
FSCA LICENCE CATEGORIES
Category I
1.1 Long-Term Insurance subcategory A
1.2 Short-Term Insurance Personal Lines
1.3 Long-Term Insurance subcategory B1
1.4 Long-Term Insurance subcategory C
1.5 Retail Pension Benefits
1.6 Short-Term Insurance Commercial Lines
1.7 Pension Fund Benefits
1.8 Shares
1.14 Participatory Interests in a Collective Investment Scheme
1.17 Long-Term Deposits
1.18 Short-Term Deposits
1.20 Long-Term Insurance subcategory B2
1.21 Long-Term Insurance subcategory B2-A
1.22 Long-Term Insurance subcategory B1-A
1.23 Short-Term Insurance Personal Lines A1
1.26 Participatory Interest in a Hedge Fund
Category II
2.1 Long-Term Insurance subcategory B1
2.2 Long-Term Insurance subcategory C
2.3 Retail Pension Benefits
2.4 Pension Fund Benefits
2.5 Shares
2.6 Money Market Instruments
2.11 Participatory Interests in One or More Collective Investment Schemes
2.13 Long-Term Deposits
2.14 Short-Term Deposits
2.15 Long-Term Insurance subcategory B2
2.16 Long-Term Insurance B2-A
2.17 Long-Term Insurance B1-A
2.18 Structured Deposits
2.20 Participatory Interest in a Hedge Fund
COMPLIANCE OFFICER
Infinitus Risk Management Service
Erika Botha
FSCA Reference Number: 6172/6399
Mobile: 082 413 8579
PROFESSIONAL INDEMNITY AND MISAPPROPRIATION OF TRUST FUNDS COVER
Professional indemnity
AC&E Commercial Underwriting Managers (Pty) Ltd
Policy number: ACE98659PPI
Fidelity Cover
Santam
Policy number: 63121897060
CONFLICT OF INTEREST
The FSP is not an associated company of any life assurer/product provider and does not own shares in any life assurer/product provider.
In the event where an ownership interest exists, or financial interests are received, it will be disclosed in the Register of Conflict of Interest. The FSP will place the interests of the client first when rendering advice to clients.
TREATING CUSTOMERS FAIRLY (TCF)
TCF is a set of principles introduced by the Financial Services Conduct Authority (FSCA) to aid and underpin existing financial services legislation aimed at the protection of consumers and clients.
The FSP values its relationship with its clients and acknowledges that without any clients it would not have a business. The TCF principles are embedded in the culture of the FSP, and it continuously strives to enhance the quality of its service offering to clients and through its interaction with contracted product suppliers. The TCF principles are:
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Clients can be confident that they are dealing with a FSP where the fair treatment of customers is central to the corporate culture.
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Products and services marketed and sold in the retail market are designed to meet the needs of identified consumer.
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Clients are provided with clear information and are kept appropriately informed before, during and after the point of sale.
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Where clients receive advice, the advice is suitable and takes account of their circumstances.
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Clients are provided with products that perform as the company or service supplier have led them to expect, and the associated service is of an acceptable standard and as they have been led to expect.
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Clients to not face unreasonable post-sale barriers imposed by the company or service supplier to change product, switch supplier, submit a claim or make a complaint.
ADVICE
The adviser is required to analyse clients’ requirements and needs during the provision of advice. The financial advice provided will be based on the information provided by the client and the FSP will not be held liable for any financial advice that was provided in respect of incorrect, inaccurate or incomplete information provided by the client.
FINANCIAL INTELLIGENCE CENTRE ACT (FICA)
The FSP is registered as an accountable institution with the Financial Intelligence Centre and shall be obliged to record and verify client information prescribed by FICA. The FSP is also required to report unusual and suspicious financial activities.
COMPLAINTS
Any queries and complaints are to be addressed to the Key Individual as per the contact details provided. A copy of the FSP’s complaints procedure is available on request.
Should a complaint not be addressed to the satisfaction of the client, it may be referred to the offices of the relevant Ombud, as per the details herein contained.
CONFIDENTIALITY AND PROTECTION OF PERSONAL INFORMATION (POPI)
All information received from the client will be treated as confidential by the FSP and its personnel. Such information will only be made available if consent thereto is provided in writing or is required by any law.
The POPI Act requires us to inform you how we use and disclose personal information we obtain from you. We are committed to protecting your privacy and will ensure that your personal information is used appropriately, transparently, and according to applicable law.