{"id":276,"date":"2023-05-03T10:27:46","date_gmt":"2023-05-03T08:27:46","guid":{"rendered":"https:\/\/almegabrokers.co.za\/af\/?page_id=276"},"modified":"2023-05-03T10:27:46","modified_gmt":"2023-05-03T08:27:46","slug":"tcf-policy","status":"publish","type":"page","link":"https:\/\/almegabrokers.co.za\/af\/tcf-policy\/","title":{"rendered":"TCF Policy"},"content":{"rendered":"

TREATING CUSTOMERS FAIRLY (TCF) POLICY
\n<\/strong>\u00a0<\/strong><\/h3>\n

ALMEGA INSURANCE BROKERS<\/strong><\/p>\n

 <\/p>\n

Introduction<\/u><\/strong><\/p>\n

TCF is a regulatory framework set by the Financial Sector Conduct Authority (FSCA). Its and outcome based regulatory and supervisory approach that shifts the responsibility of protecting consumers from the Regulator to the FSP.<\/p>\n

 <\/p>\n

Almega Broker\u2019s TCF objectives should place their customers at the centre of their business aiming to achieve the six TCF outcomes in the fullest sense.<\/p>\n

 <\/p>\n

The Six TCF Outcomes<\/u><\/strong><\/p>\n

The TCF outcomes are defined by the FSCA as follows:<\/p>\n

TCF Outcome 1<\/strong>\u00a0\u2013 Customers must feel confident that they are dealing with an FSP where TCF is at the core of their culture.<\/p>\n

TCF Outcome 2<\/strong>\u00a0\u2013 Products and Services marketed and sold are designed to meet the needs of identified customer groups and are targeted accordingly.<\/p>\n

TCF Outcome 3<\/strong>\u00a0\u2013 Customers are provided with clear information and kept appropriately informed before, during and after point of sale.<\/p>\n

TCF Outcome 4<\/strong>\u00a0\u2013 Where advice is given, it is suitable and takes account of customer circumstances.<\/p>\n

TCF Outcome 5<\/strong>\u00a0\u2013 Products perform as companies have led customers to expect, and service is of an acceptable standard and as they have been led to expect.<\/strong><\/p>\n

TCF Outcome 6<\/strong>\u00a0\u2013 Customers do not face unreasonable post-sale barriers when they want to change a product, switch providers, submit a claim or make a complaint.<\/p>\n

 <\/p>\n

Achieving Outcomes<\/u><\/strong><\/p>\n

The TCF Policy governs the way an Almega Brokers conducts daily dealings with its customers ensuring that all customers are treated fairly, during all stages of the product life-cycle<\/p>\n

and advice process.<\/p>\n

Achieving the outcomes include:<\/p>\n

Product and Service Design: <\/strong>Products and services are designed to meet customers\u2019 needs with a focus on specific target markets and their unique requirements.<\/p>\n

Promotion and Marketing: <\/strong>Appropriate products are marketed to specific target markets,<\/p>\n

through clear and fair communications that are not misleading.<\/p>\n

Advice: <\/strong>Our advisors are adequately trained to enable them to provide advice that is suitable to the needs of the customer concerned. They act in line with the objectives of TCF and avoidconflicts of interest.<\/p>\n

Point-of-sale: <\/strong>We provide clear and fair information to enable customers to make informed<\/p>\n

decisions with regards to our products and services. Risks, commitments, limitations and<\/p>\n

charges are disclosed at the outset.<\/p>\n

Information after point-of-sale: <\/strong>We provide information on an on-going basis to enable both our advisors and customers to monitor whether their needs are being met by the product or service selected.<\/p>\n

Complaints and claims handling: <\/strong>We honour representations, assurances and promises that lead to legitimate customer expectations. Legitimate expectations must not be frustrated by unreasonable post-sale barriers. Claims and complaints are handled timeously, fairly and consistently.<\/p>\n

Our customer\u2019s feedback is important to us. We want to know whether your experience with us lives up to your expectations. If you have any feedback let us know, because your views are vital to helping us improve our service in the future.<\/p>\n

 <\/p>\n

FSP NAME:\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/strong>Almega Brokers PTY Ltd<\/p>\n

TEL NUMBER:\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/strong>017\u00a0793 3460<\/p>\n

E-MAIL ADDRESS:\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/strong>jannie@almega.co.za<\/p>\n","protected":false},"excerpt":{"rendered":"

TREATING CUSTOMERS FAIRLY (TCF) POLICY \u00a0 ALMEGA INSURANCE BROKERS   Introduction TCF is a regulatory framework set by the Financial Sector Conduct Authority (FSCA). Its and outcome based regulatory and supervisory approach that shifts the responsibility of protecting consumers from the Regulator to the FSP.   Almega Broker\u2019s TCF objectives should place their customers at […]\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"","meta":{"footnotes":""},"class_list":["post-276","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/almegabrokers.co.za\/af\/wp-json\/wp\/v2\/pages\/276","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/almegabrokers.co.za\/af\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/almegabrokers.co.za\/af\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/almegabrokers.co.za\/af\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/almegabrokers.co.za\/af\/wp-json\/wp\/v2\/comments?post=276"}],"version-history":[{"count":1,"href":"https:\/\/almegabrokers.co.za\/af\/wp-json\/wp\/v2\/pages\/276\/revisions"}],"predecessor-version":[{"id":278,"href":"https:\/\/almegabrokers.co.za\/af\/wp-json\/wp\/v2\/pages\/276\/revisions\/278"}],"wp:attachment":[{"href":"https:\/\/almegabrokers.co.za\/af\/wp-json\/wp\/v2\/media?parent=276"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}