We are aware that promises are easily made and, for some, are just as easily forgotten. We believe that you should only ever make promises you can keep and, with this in mind, provide the following commitments:
1. Our commitment is to always provide every customer with best practice standards of service.
2. We believe the interests and needs of our business are best served by providing adequate protection for the interests and needs of our customers.
3. The responsible nature of our company's work makes it imperative that our reputation for integrity should always be beyond question.
4. As a responsible corporate citizen, our company will, at all times, obey the laws and regulations of Local, State and Federal Governments.
5. No instructions or inducements, from any customer, will relieve a member of our staff from his or her responsibility to strictly observe this Code of Ethics.
6. All representations shall be truthful, without exaggeration, concealment or omission.
7. Our staff regard the provision of financial services as an important and responsible profession.
8. We offer a detailed written quotation, on request, for any of our financial services or products.
9. We undertake to provide full disclosure of charges, fees and interest associated with the relevant financial service or product and include such in all contracts.
10. We undertake to provide the customer with copies of all documentation relevant to the service and/or product purchased by the customer.
11. We regard the maintenance of our proud reputation and the high standard of ethical practice we apply to our business as the direct responsibility of every member of our staff.
12. We believe that the customer deserves the same attention to their financial circumstances as the standard we would devote to our own.
13. We always endeavour to be fully informed as to the nature and characteristics of the customer's financial circumstances and to recommend the most appropriate financial service or product, from the range of services and products offered, by our company, at the time.
14. We value the personal information given to us by our customers and take all reasonable precautions to prevent unauthorised access or misuse of that information.
15. We are committed to fair collection practices and make every effort to establish a reasonable repayment schedule, with customers who have a debt with us.
16. We will, at the customer's request, arrange counselling to assist the customer with their financial management.
17. We are committed to participation in the activities of our community.
18. In the unlikely event of a dispute, we guarantee all customers the right of access to a free internal dispute resolution process.
Our commitment to quality service standards, outlined in this Code/Charter, is reinforced by our membership of the National Financial Services Federation Inc.
This Federation prescribes the highest ethical standards for members and provides for the expulsion of any member who does not maintain these standards, with a resultant public announcement of that member's expulsion.
