Conflict of Interest Policy


The General Code of Conduct for Financial Services Providers requires Financial Services Providers and their representatives to disclose to their clients the existence of actual or potential Conflict of Interest.

Complaint Procedure Policy


It is important to note that the Act stipulates that before a complainant may submit a complaint to the Ombudsman, the complainant must endeavor to resolve the complaint with the Financial Services Provider.

Company Business Rules


The following rules will apply to all groups administered in the Siyavika as Cell Captive and Underwriting Managers of Guardrisk Life Limited.

TCF Policy *


The Treating Customers Fairly (TCF) program is being implemented by the Financial Services Board (FSB) and consists of a principle based approach. TCF is a regulatory and compliance framework aimed at increasing customers’ confidence and satisfaction in Financial Service Providers (FSP’s), thus achieving all six key outcomes for consumers at all stages of the product life cycle including product design, marketing and promotion, advice, point of sale, after the sale, complaints handling and the ultimate payment of the benefits at the claims or withdrawal stage.

Complaints Management Framework



Risk and Compliance Management Framework Programme