Umbrella Creation t/a iHealthSA | Registration No 2014/256681/07
The Financial Service Provider is a private company and is a duly authorised intermediary of the following product suppliers:
No conditions or restrictions have been imposed by any of the above product suppliers. The health service consultants is and authorised representative of iHealthSA and has been appointed in terms of a written agreement. iHealthSA accepts responsibility for its won actions and for the actions of the health service consultants that may be performed by him or her acting within the course and scope of the written agreement.
In terms of the licence issued to iHealthSA by the Registrar, the health service consultants is authorised to provide financial services in respect of the following financial product categories:
No conditions or restrictions have been imposed by the Registrar.
The provider has appointed Moonstone Compliance (Practice No 188) as its external compliance practice. The Compliance Officer is Mr. Rikus van Pletzen, Tel: 083 462 0122. Fax: 083 399 1781, Postal Address: PO Box 12662, Die Boord, Stellenbosch, 7613.
The provider does not hold suitable guarantees.
The provider does not hold professional indemnity.
The provider does not hold fidelity insurance cover.
Please note that the provider has established a Conflict-of-Interest Management policy which requires the client's health service consultants to disclose any actual or potential conflict of interest to you. A copy of the Conflict of Interest Management Policy is available to the client at this office during office hours each day. Neither the provider nor the client's health service consultants holds directly or indirectly more than 10% of any product supplier’s shares or an equivalent financial interest. The client's health service consultants earns between 3% - 30% of his/her total fees/commission on the insurance product(s) purchased, from the selected product service provider. The fee/commission percentage (%) is determined by the type of insurance product purchased by you. Fees/Commissions are received on an on-going basis, if your policy(ies) is active.
Should the client be dissatisfied with any aspect of the service performed by the provider or the client's health service consultants, you should address your complaint in writing to the Key Individual at the above address. Please note that we have established a written internal compliant resolution system with detailed procedures. Access to written procedures and a copy of the complaint resolution system is available to clients at this office during office hours each day.
The client is hereby advised and cautioned that no person acting on behalf of the provider may in the course of the rendering of a financial service request you to sign any written or printed form or document unless all details required to be inserted thereon by you or on your behalf have already been inserted.
Please be aware when completing any documentation or providing any information, that all material facts must be accurately and properly disclosed. You are entirely responsible for the accuracy and completeness of all answers, statements or other information proved by you or on your behalf. Please note that all material facts in respect of any application, proposal, order, instruction or other contractual information that is required to be completed for or submitted to a product supplier by or on your behalf that relates to the purchase of or investment in any financial product, including any amendment thereof or variation thereto, must be accurately and properly disclosed. Any misrepresentation or non-disclosure of a material fact or the inclusion of incorrect information could result in the cancellation of the transaction by the product supplier.
The client is hereby advised that no health service consultants or any other person may ask you or offer any inducement to you to waive any right or benefit conferred on you by or in terms of any provision of the General Codes of Conduct. A copy of the Code of Conduct is available on request.
The provider may from time to time receive non-cash incentives from product suppliers or indirect consideration from other persons. The provider will make available specific details should this occur. All information obtained or acquired rom you, the client, will remain confidential unless you provider written consent, or unless we are required by any law to disclose such information.