Treat clients fairly charter

Treat Clients Fairly Charter

• We will set minimum standards on fair business practices in all dealings with our clients. This includes providing financial services or products suitable to our clients’ financial circumstances and preserving the confidentiality of our clients’ information;
• We will train all staff attending to clients to provide quality advice and recommendation;
• We will take clients’ feedback seriously and provide immediate constructive feedback to our staff.

• We will ensure that the terms in our contracts or agreements are fair, transparent, and well communicated to clients;
• We will ensure that terms and conditions set out the respective rights, liabilities and obligations clearly and as far as possible in plain language;
• We will ensure that the terms and conditions in contracts or agreements are not altered without prior notification to clients.

• We will provide clients with relevant and timely information in a product disclosure sheet;
• We will disclose key product features, fees and charges, risks and benefits in a clear and concise manner;
• We will ensure critical terms are brought to clients’ attention and explained to the clients.

• We will conduct sales, advertising and marketing of our financial services and products with integrity and will not make false or exaggerated claims;
• We will avoid or clearly disclose actual or potential conflicts of interest;
• We will ensure staff remuneration takes into consideration whether key performance indicators relating to fair treatment of clients have been achieved.