The Code of Ethics Policy outlines PFS and its administrative partners commitment to maintaining the highest ethical standards in conducting our day-to-day business.

To ensure effective resolution of complaints, PFS and its administrative partners have established a Complaints Resolution Policy enabling our clients to address any complaints in a formal and constructive manner. This policy has been prepared in accordance with the Financial Advisory and Intermediary Services Act and the subordinate legislation thereto including the ASISA Standard on Complaint Resolution.

PFS and its administrative partners have established a Conflict of Interest Policy. The policy outlines the organisational and administrative arrangements within our corporate structure to identify, monitor and manage any conflicts of interest, ensuring the protection of client interests.

In the spirit of Good Governance the CRISA Policy formally documents the principles embodied in the “Code for Responsible Investing in South Africa” (CRISA).

The FICA Policy is designed to meet all regulatory and statutory obligations, covering a number of related business activities including customer identification, record-keeping requirements, internal controls, internal training, internal communication and reporting procedures. The policy has been prepared in accordance with the Financial Intelligence Centre Act No 38 of 2001, its associated regulations and guidance notes and the Prevention of Organized Crime Act No 24 of 1999.

PFS and its administrative partners have established the Privacy Policy to ensure the ongoing protection of client confidentiality. The policy has been prepared in accordance with the requirements and regulations set out in the “Protection of Personal Information Act” of 2013.

The fair treatment of customers has always been, and will continue to be, central to the operating philosophy and values of PFS and its administrative partners. The Treating Customers Fairly (TCF) Policy sets out the ongoing governance of the TCF outcomes.

The Promotion of Access to Information Act of 2000 (“PAIA”) formally gives effect to section 32 of the South African Constitution, allowing a person to access information held by the Group which may be required to exercise or protect their rights. The PAIA Manual sets out the processes and prescribed fees associated with requesting such information.