Compliance
& Legal

Regulatory Information

Transparency and compliance are the foundation of trust.

FSP Registration

PRINCIPIO (PTY) LTD is an Authorised Financial Services Provider, FSP No. 55194.

Registered Address: 663 Wattle Street, Doornpoort, Pretoria, 0017 | Tel: 082 410 5606

Authorised Products

We are authorised to provide financial services in Category I as an Advice (Non-Automated) and Intermediary (Other) provider for the following products (FSCA Category I subcategory codes in brackets):

(We do not provide Advice Automated or Intermediary Scripted services.)

  • 1.1 Long-term Insurance subcategory A
  • 1.2 Short-term Insurance Personal Lines
  • 1.3 Long-term Insurance subcategory B1
  • 1.4 Long-term Insurance subcategory C
  • 1.5 Retail Pension Benefits
  • 1.6 Short-term Insurance Commercial Lines
  • 1.7 Pension Fund Benefits
  • 1.14 Participatory interests in a collective investment scheme
  • 1.20 Long-term Insurance subcategory B2
  • 1.21 Long-term Insurance subcategory B2-A
  • 1.22 Long-term Insurance subcategory B1-A
  • 1.23 Short-term Insurance Personal Lines A1

Codes align with the FSCA’s Category I product list.

Personnel

Compliance Officer: Mrs. A Venter
Tel: 079 889 5474

Key Individual: Martha Maria Theron

Professional Indemnity Insurance

PRINCIPIO (PTY) LTD maintains Professional Indemnity Insurance cover as required by the Financial Sector Conduct Authority (FSCA).

Remuneration Disclosure

All fees and commissions are fully disclosed to clients prior to any transaction. We believe in complete transparency regarding our remuneration structure.

External Dispute Resolution

If you are not satisfied with our internal complaint resolution process, you may escalate your complaint to the following external dispute resolution body. As we provide financial advice and intermediary services (and do not sell financial products), advice-related complaints are dealt with by the Office of the FAIS Ombud.

FAIS Ombud

For advice-related complaints

Tel: 012 762 5000 / 0860 663 274

Email: info@faisombud.co.za

Web: www.faisombud.co.za

Address: 125 Dallas Avenue, Menlyn Central, Pretoria, 0010

Risk Warning

The value of investments may go up or down. Past performance is not necessarily a guide to future performance.

Website Disclosures & Notices

Financial Services & Regulatory Notices

In line with the General Code of Conduct for Authorised Financial Services Providers:

  • Past performance: Any reference to past performance on this website is not necessarily indicative of future performance. The value of investments may go up or down.
  • No guarantees: Unless expressly stated in a specific product or agreement, the value of investments and returns are not guaranteed.
  • Client disclosures: Detailed disclosures (including remuneration, fees, product supplier relationships, conflict of interest, and other information required by the General Code) are made to clients as part of our document pack when engaging in business. This website provides a summary; full particulars are furnished in the course of the advice or intermediary process.

Terms of Use

By accessing and using this website, you agree to be bound by the following terms and conditions. If you do not agree with any part of these terms, please do not use this website.

  • The information on this website is provided for general informational purposes only and does not constitute financial, legal, or professional advice.
  • We reserve the right to modify, suspend, or discontinue any aspect of this website at any time without notice.
  • You may not use this website for any unlawful purpose or in any way that could damage, disable, or impair the website.
  • Unauthorized use of this website may give rise to a claim for damages and/or be a criminal offence.

Website Disclaimer

While we endeavour to keep the information on this website up to date and correct, we make no representations or warranties of any kind, express or implied, about:

  • The completeness, accuracy, reliability, suitability, or availability of the website or the information, products, services, or related graphics contained on the website.
  • The website being free from viruses or other harmful components.
  • The uninterrupted or error-free operation of the website.

Any reliance you place on such information is strictly at your own risk. We will not be liable for any loss or damage, including without limitation, indirect or consequential loss or damage, arising from the use of this website.

Limitation of Liability

To the fullest extent permitted by law, PRINCIPIO (PTY) LTD, its directors, employees, and agents shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of your access to, use of, or inability to use this website, even if we have been advised of the possibility of such damages.

Intellectual Property Rights

All content on this website, including but not limited to text, graphics, logos, images, audio clips, digital downloads, and software, is the property of PRINCIPIO (PTY) LTD or its content suppliers and is protected by South African and international copyright laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our website without our prior written consent, except as permitted by applicable copyright laws.

External Links Disclaimer

This website may contain links to external websites that are not provided or maintained by or in any way affiliated with PRINCIPIO (PTY) LTD. We do not guarantee the accuracy, relevance, timeliness, or completeness of any information on these external websites.

The inclusion of any link does not imply endorsement by PRINCIPIO (PTY) LTD. We have no control over the nature, content, and availability of those sites. Accessing such links is at your own risk.

Cookie Policy

This website may use cookies to enhance user experience and analyze website traffic. Cookies are small text files that are placed on your device when you visit a website.

By continuing to use this website, you consent to our use of cookies. You can control and manage cookies through your browser settings. However, disabling cookies may affect the functionality of this website.

We do not use cookies to collect personally identifiable information without your consent. For more information about how we handle your personal information, please refer to our Privacy Policy.

Website Availability

We do not guarantee that this website will be available at all times or that access will be uninterrupted. The website may be temporarily unavailable due to maintenance, updates, technical issues, or circumstances beyond our control. We will not be liable for any loss or damage arising from the unavailability of this website.

Governing Law

These terms and conditions are governed by and construed in accordance with the laws of the Republic of South Africa. Any disputes relating to these terms and conditions or your use of this website shall be subject to the exclusive jurisdiction of the courts of South Africa.

Changes to Terms

We reserve the right to modify these terms and conditions at any time. Changes will be effective immediately upon posting to this website. Your continued use of the website after any changes constitutes your acceptance of the new terms. We encourage you to review these terms periodically.

Third-Party Services & Website Development

This website was designed and developed by Aporia Strategic (Pty) Ltd (www.aporiastrategic.co.za), an independent website development company.

Important: Aporia Strategic (Pty) Ltd is not affiliated with PRINCIPIO (PTY) LTD in any capacity related to financial services. Aporia Strategic (Pty) Ltd is solely responsible for the design, development, and technical maintenance of this website.

Any technical issues, website functionality problems, or inquiries related to the website's design or development should be directed to Aporia Strategic (Pty) Ltd, not to PRINCIPIO (PTY) LTD.

PRINCIPIO (PTY) LTD is not responsible for any errors, omissions, or technical issues arising from the website's design, development, or hosting. All financial services inquiries, complaints, or regulatory matters must be directed to PRINCIPIO (PTY) LTD as outlined in the relevant sections of this compliance page.

Legal Inquiries

If you have any questions about these website disclosures and notices, please contact us:

Email: admin@principio.co.za
Tel: 082 410 5606