Transparent, regulated advice you can trust.

Luz Financial Services (Pty) Ltd is authorised as a Category I Financial Services Provider in terms of the Financial Advisory and Intermediary Services Act, 37 of 2002 (“FAIS Act”).

• Registered name: Luz Financial Services (Pty) Ltd
• FSP Number: 55489
• Regulator: Financial Sector Conduct Authority (FSCA)
• Advice & Intermediary Services: Long-term insurance and investment products (as per licence schedule)

As an FSP, we are bound by the FAIS General Code of Conduct, fit and proper requirements, Treating Customers Fairly (TCF) principles and ongoing CPD obligations.

Luz Financial Services is an accountable institution under the Financial Intelligence Centre Act (“FICA”). We apply a risk-based approach to client identification, verification and ongoing monitoring.

• We maintain a documented Risk Management and Compliance Programme (RMCP).
• Know-Your-Client (KYC) procedures are applied before entering into a business relationship.
• We may be required to report certain suspicious or unusual transactions to the Financial Intelligence Centre.

Under the Protection of Personal Information Act (“POPIA”), your personal information is:

• Collected for lawful, explicit and defined purposes only.
• Processed in a responsible and secure manner.
• Shared only where required to implement or service products, or where we are legally obliged.
• Never sold to third parties.

If you believe that you have been treated unfairly or received unsuitable advice, you have the right to lodge a complaint. Our complaints process is:

1. Submit your complaint in writing to complaints@luzfs.co.za, including your full name, ID number, contact details and a description of the issue.
2. Acknowledgement & investigation: We will acknowledge receipt and investigate your complaint in line with our Complaints Management Policy.
3. Outcome: You will receive a written response explaining our findings and, where applicable, any proposed remedial steps.
4. Escalation: If you are not satisfied with the outcome, you may refer the matter to the FAIS Ombud within the prescribed timeframes.

A copy of our detailed Complaints Management Policy is available on request.

The following documents are available from our office or via secure links:

• FSCA Licence
• Privacy Notice & Promotion of Access to Information Act (PAIA) Manual & Forms
• Complaints Management Policy

The information on this page is a high-level summary and does not replace any formal disclosure documentation, product terms, signed mandates or statutory notices. In the event of any conflict, the latter will prevail.