Documents & Disclosures

Regulatory information, disclosures and policies required under South African financial services and privacy legislation.

Authorised Financial Service Provider (FSP 43292)

Licensing, ombud scheme, complaints, product suppliers

Licensed Financial Services Provider

FSP Name

Juntos Financial Services CC

FSP Licence Number

43292

National Financial Ombud Scheme of South Africa (NFOSA)

NFOSA

Telephone: 0860 800 900
Email: info@nfosa.co.za
Website: nfosa.co.za

Complaints Resolution

We have a formal Complaint Resolution System and Procedures in place. All complaints must be submitted in writing to margarete@juntos.co.za.

Product Suppliers & Insurers

Medical Aid

Gap Cover

Short-Term Insurance

Risk & Investment

Conflict of Interest Management

  • No known actual or potential conflicts of interest. Any conflicts will be disclosed if applicable.
  • Professional Indemnity Insurance: Yes
  • Shareholding in Product Suppliers: None
  • Commission and fees: fully disclosed to clients
  •  

Protection of Personal Information Act 4 of 2013 · Effective 19 Nov 2018

Juntos Financial Services (FSP 43292) respects the privacy of our clients and is committed to processing personal information responsibly, lawfully and securely in accordance with the Protection of Personal Information Act 4 of 2013 (“POPIA”). This notice explains how we collect, use, store and protect personal information.

Responsible Party

FSP Name

Juntos Financial Services CC

FSP Licence Number

43292

Registration Number

2006/211967/23

Address

2722 Hospital Street, Hopetown, 8750

Information Officer

Margarete Roux-Higgs
Email: margarete@juntos.co.za

What Personal Information We Collect

  • Name and surname, ID or passport number
  • Contact details, residential and postal address
  • Employment and income information
  • Financial position, assets and liabilities
  • Investment and insurance information
  • Tax information, where required
  • Banking details
  • Records of advice and communication
  • Any other information required to provide financial advice

Why We Process Your Information

  • To provide financial advice and analyse your financial needs
  • To evaluate products and solutions on your behalf
  • To facilitate applications with product suppliers
  • To comply with legal and regulatory obligations
  • To provide client services and maintain legally required records

Who We May Share Your Information With

We may share information with insurance and investment companies, product suppliers, administrators, compliance and audit service providers, regulatory authorities, and other service providers who support our business. Information is only shared where lawful and necessary.

How We Protect Your Information

We implement reasonable technical and organisational measures to protect personal information against unauthorised access, loss, misuse and disclosure, as required by POPIA.

Your Rights

  • Request access to your personal information
  • Request correction of inaccurate information
  • Object to certain processing activities
  • Lodge a complaint with the Information Regulator

Information Regulator (South Africa)

Website: inforegulator.org.za
Email: enquiries@inforegulator.org.za
Telephone: 010 023 5200  ·  Toll-free: 0800 017 160
Woodmead North Office Park, 54 Maxwell Drive, Woodmead, Johannesburg, 2191

Financial Advisory and Intermediary Services Act 37 of 2002

Juntos Financial Services is an authorised Financial Services Provider (“FSP”) in terms of FAIS, regulated by the Financial Sector Conduct Authority (FSCA).

FSP Name

Juntos Financial Services CC

FSP Licence Number

43292

Services We Provide

  • Long-term Insurance
  • Short-term Insurance
  • Retirement Planning
  • Investments
  • Medical Aid
  • Gap Cover
  • Fiduciary Services

Authorised Representatives

Margarete Roux-Higgs

Email: margarete@juntos.co.za
Tel: 082 940 1812

Kayla Higgs

Email: kayla@juntos.co.za
Tel: 081 707 2998

Agatha Johanna Swiegers

Email: hantie@juntos.co.za
Tel: 082 474 5435

Our advisers hold the required qualifications, comply with FAIS Fit and Proper requirements, receive ongoing professional development training, and operate under appropriate supervision.

Conflict of Interest

We maintain a Conflict of Interest Management Policy to ensure advice is provided professionally and objectively. We may receive remuneration through advisory fees, commission, or other permitted remuneration. Where applicable, this is disclosed to clients.

Complaints

Margarete Roux-Higgs

Email: margarete@juntos.co.za
Tel: 082 940 1812

If a complaint cannot be resolved, you may follow the applicable regulatory escalation process via NFOSA.

Financial Advisory and Intermediary Services Act 37 of 2002

1. General Use

The information contained on this website is provided for general information purposes only. It does not constitute financial advice, a recommendation, or an offer to purchase any financial product.

2. No Guarantee of Returns

Investments and financial products involve risks. Past performance is not an indication of future performance.

3. Professional Advice

Financial advice is only provided after considering a client’s personal circumstances, objectives, and risk profile.

4. Accuracy of Information 

We endeavour to provide accurate and up-to-date information; however, we accept no responsibility for errors or omissions.

5. Third-Party Links 

Our website may contain links to third-party websites. We are not responsible for the content or privacy practices of these websites.

6. Intellectual Property 

All content, trademarks, and materials on this website belong to Juntos Financial Services or the relevant licensed parties.

7. Limitation of Liability

To the maximum extent permitted by law, Juntos Financial Services accepts no liability for any loss arising from the use of this website.