Disclosure

Conflict of Interest

Harbour Wealth is an independent company and does not own any financial interest in any product supplier or any other financial services provider. In terms of the Harbour Wealth Investment Policy and our Conflict of Interest Policy no fund manager, product supplier or service supplier is given preferential treatment. With this in mind, Harbour Wealth does not receive any rebates or incentives from investment managers, nor does the company pay any incentives to their advisors and intermediaries.

Harbour Wealth will as far as possible make use of the Wealthport LISP when selecting an administrator for investment products, portfolios and underlying funds, provided this does not cause any conflict of interest between Harbour Advisory (Pty) Ltd trading as Harbour Wealth and the client.

Professional Indemnity

Professional indemnity insurance is held for the amount of R5 000 000.00. Harbour Wealth also holds the following insurance policies: Employee Practise Liability of R100 000.00, Employee Dishonesty Liability of R2 000 000.00, Comprehensive Cyber Liability of R1 000 000.00, Loss of Client R100 000.00, Fidelity Guarantee Extension R250 000.00 and Directors and Officers Liability Extension R1 000 000.00.

Complaints

Compliance with the FAIS Act is monitored by Anel Naude (BCom Investment Post Grad Diploma – Financial Planning), a compliance officer at Compli-Serve (Pty) Ltd. FSCA Practice Number CO6797, email: anel@compliserve.co.za. Compli-Serve (Pty) Ltd can be contacted at: 106 Johan Avenue, Sandton, 2196, South Africa, Tel nr: +27 87 897 6970. We are committed to comply with FAIS since the purpose of the Act is to protect you, our client. In the event that you are dissatisfied with any aspect of Harbour Wealth’s service, you should address your complaint in writing to the above address. A copy of Harbour Wealth’s Complaints Policy is available on request.

If you are not happy with our response, you can approach the Ombud at Customer Contacts Division / the FAIS Ombud Sussex Office Park, Ground Floor, Block B 473 Lynwood Road, Lynwood T: 012762 5000 / 012 470 9080, F: 086 764 1422 / 012 348 3447 E: info@faisombud.co.za ,W: www.faisombud.co.za or at telephone number (012) 762 5000 or email info@faisombud.co.za.

Non Cash Incentives

Non-cash incentives from product suppliers or indirect consideration from other persons may from time to time be received. Details can be provided should you request further information.

Waiver of Rights

As an authorised Financial Services Provider Harbour Wealth may not request or induce in any manner a Client to waive any right or benefit conferred on the Client by or in terms of any provision of the General Code of Conduct, or recognise, accept or act on any such waiver by a Client.

Confidentiality

All information obtained or acquired about you, or your company, shall remain confidential unless you provide written consent, or unless Harbour Wealth is required by any law to disclose such information.

POPIA Policy

In terms of legislation we are obliged to implement measures and strategies to ensure the protection of your Personal Information, whereby, unauthorised access and use is deterred. Please refer to our POPIA Policy.

At Harbour Wealth we help you remove the knots and kinks in your financial plan; simplifying the intimidating, complex and confusing world of financial planning.

Contact

Ballyoaks Office Park 35 Ballyclare Drive Bryanston Johannesburg

Tel: 087 820 2630

Email: admin@harbourwealth.co.za

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    Harbour Advisory (Pty) Ltd (2013/092758/07), trading as Harbour Wealth, is an authorized financial services provider (FSP 44770) and is VAT registered (4040273015) Copyright © 2021 Harbour Wealth