ZBA view point

While the South African Financial markets are well regulated, ZBA strives for a continuous enhancement of values, ensuring that industry partners provide fair products enhancing upliftment of our clients. Based on FSCA guidelines and with the help of industry role players (such as the FPI), our first priority each day is modelled to improve the financial wellbeing of our clients.

We avoid product suppliers with grey, complicated, hidden cost structures and products. We actively promote an industry that is transparent and of true value for our clients.

Treating Customers Fairly (TCF)

TCF is a set of principles introduced by the Financial Sector Conduct Authority (FSCA) to aid and underpin existing financial services legislation aimed at the protection of consumers and clients.

The FSP values its relationship with its clients and acknowledges that without any clients it would not have a business.  The TCF principles are embedded in the culture of the FSP and it continuously strives to enhance the quality of its service offering to clients and through its interaction with contracted product suppliers.  The TCF principles are the following:

  1. Clients/consumers can be confident that they are dealing with a service supplier where the fair treatment of customers is central to the corporate culture.
  2. Products and services marketed and sold in the retail market are designed to meet the needs of identified consumer groups and are targeted accordingly.
  3. Clients are provided with clear information and are kept appropriately informed before, during and after the point of sale.
  4. Where clients receive advice, the advice is suitable and takes account of their circumstances.
  5. Clients/consumers are provided with products that perform as the company or service supplier have led them to expect, and the associated service is of an acceptable standard and as they have been led to expect.
  6. Clients/consumers to not face unreasonable post-sale barriers imposed by the company or service supplier to change product, switch supplier, submit a claim or make a complaint.

Confidentiality and Protection of Personal Information

All information received from and regarding the client will be treated as confidential by the FSP and its personnel. Such information will only be made available if consent thereto is provided in writing or is required by any law.

The Protection of Personal Information (POPI) Act requires us to inform you how we use and disclose personal information we obtain from you.  We are committed to protecting your privacy and will ensure that your personal information is used appropriately, transparently and according to applicable law.

Our latest Privacy Notice (1 July 2021) / Privaatsheidskennisgewing (1 July 2021)

Financial Intelligence Centre Act

The FSP is registered as accountable institution with the Financial Intelligence Centre and shall be obliged to record and verify client information in the manner prescribed by FICA.

The FSP is also required to report unusual and suspicious financial activities where so obligated by FICA.

Zurk Botha Associates (PTY) Ltd is a registered Financial Services Provider, FSP number 17350.

External Outsourced Compliance Officer

Erika Botha of Infinitus Risk Management Service (Pty) Ltd

Practice registration number: 6172 / 6399 / cell 082 413 8579


Any queries and complaints are to be addressed to the Key Individual as per the contact details provided.

A copy of the FSP’s complaints procedure is available on request.

Should a complaint not be addressed to the satisfaction of the client, it may be referred to the offices of the relevant Ombud, as per the details herein contained.

Contact Details for FAIS Ombud

Kasteel Park Office Park, Orange Building, Second Floor, 546 Jochemus Street, Erasmus Kloof, Pretoria.

Tel:  012 470 9080  Fax:  012 348 3447

Email:  Website

Contact Details for Ombud for Life Insurance

Sunclare Office Building, 20 Dreyer Street, Claremont, Cape Town.

Tel 021 657 5000  Fax 021 674 0951

Email:  Website:

Contact Details for Financial Sector Conduct Authority

River Walk Office Building, Building B, 41 Matroosberg Road, Garsfontein, Pretoria.

Tel 012 428 8000  Fax 012 346 6941

Email:  Website: