Financial Services Provider details

In-Quilibrium is authorised to render advice and intermediary services under Licence Category I for Short-term Insurance: Personal Lines and Commercial Lines. In-Quilibrium holds Professional Indemnity insurance and Fidelity Guarantee cover. No specific exemptions have been granted by the Registrar to the provider in relation to any matter covered by the FAIS Act. In-Quilibrium does not hold shares issued by any insurer. In-Quilibrium received more than 30% of its total commission from one insurer in the previous calendar year.

Representatives details‍

In-Quilibrium accepts responsibility for the conduct of its representatives when they render financial services within the course and scope of their authority. A copy of the FSP licence or representative register, setting out the financial services for which representatives are authorised, is available for inspection on request.

Conflict of Interest
We have considered the conflict-of-interest provisions in terms of the FAIS Act 37 of 2002 and have not identified any actual or potential conflicts of interest, either ownership interest, financial interest, third party relationships, associates or distribution channels as defined. We adopt a values-based approach where the spirit of the legislation is embraced. This is reviewed annually year in consultation with an external independent compliance practitioner and reported to the FSCA. A conflict-of-interest management policy is available to Insureds on request and can also be viewed on our website.