Keeping things in Check

The financial services sector in South Africa has strict legislation in place to ensure product reliability and legislative compliance on the part of Financial Services Providers.

At Bay Union we believe that stringent compliance processes  protect our clients and safeguard good business practices. We are completely committed to comply with the legislation and to always act with due skill, care and diligence.

Request Documents

Our Legal Paperwork

Each of our legal entities have the following compliance documents which are available on request:

– Conflict of Interest Management Policy
– Complaints Resolution Policy
– Section 51 Manual on the Promotion of Access to Information Act

Request Documents

B-BBEE Certification

Privacy Policy

From time to time, you will be asked to submit personal information about yourself in order to receive or use services on our website. Such services include contact forms. By entering your details in the fields requested, you enable Bay Union Financial Services to provide you with the services or information you select. Whenever you provide such personal information, we will treat that information in accordance with this policy. Our services are designed to give you the information that you want to receive. Bay Union Financial Services will act in accordance with current legislation as to meet all legal and regulatory obligations.

Any information you provide to Bay Union through the website will only be used by Bay Union. It will never be supplied to anyone outside of Bay Union without first obtaining your consent, unless we are obliged or permitted by law to disclose it. We will not contact you for promotional purposes, such as notifying you of improvements to the service or new services on Bay Union unless you specifically agree to be contacted for such purposes at the time you submit your information on the site, or at a later time if you sign up specifically to receive such promotional information.

For more information, please refer to our Privacy Policy.


WEBSITE DISCLAIMER t/a (““) authorises you to view and download the materials at this website only for your personal or non-commercial use, provided that you retain all copyright and other proprietary notices contained in the original materials on any copies of the materials. You may not modify the materials at the Website in any way or reproduce or publicly display, perform, distribute or otherwise use them for any public or commercial purpose. For the purposes of these Terms, any use of these materials on any other website or networked computer environment for any purpose is prohibited. The materials at this Website are copyrighted and any unauthorised use of any materials at this Website may violate copyright, trademark, and other laws. If you breach any of these Terms, your authorisation to use this Website automatically
terminates and you must immediately destroy any downloaded or printed materials.

Other than personally identifiable information, any material, information or other communication you transmit or post to this Website will be considered non-confidential and non-proprietary (“Communications”). will have no obligations with respect to the Communications. and its designees will be free to copy, disclose, distribute, incorporate and otherwise use the Communications and all data, images, sounds, text, and other things embodied therein for any and all commercial or non-commercial purposes. You are prohibited from posting or transmitting to or from this Website any unlawful, threatening, libelous, defamatory, obscene, pornographic, or other material that would violate any law.

Links to third party websites on this Website are provided solely as a convenience to you. If you use these links, you will leave this Website. has not reviewed all of these third party sites and does not control and is not responsible for any of these sites or their content. Thus, does not endorse or make any representations about them, or any information, software or other products or materials found there, or any results that may be obtained from using them. If you decide to access any of the third party sites linked to this Site, you do this entirely at your own risk.

The services provided at this site are provided “as is” without any warranties of any kind including warranties of fitness for a particular purpose, or non-infringement of intellectual property. further does not warrant the accuracy and completeness of the materials or services at this Website. may make changes to the materials and services at this Website, or to the products and prices described in them, at any time without notice. The materials and services at this Website may be out of date, and makes no commitment to update the materials and services at this Website.

In no event will, its associated companies, or other third parties mentioned at this website be liable for any damages whatsoever (including, without limitation, those resulting from lost profits, lost data or business interruption) arising out of the use, inability to use, or the results of use of this website, any websites linked to this website, or information or services contained at any or all such websites, whether based on contract or any other legal theory and whether or not advised of the possibility of such damages. If your use of the information or services from this website results in the need for repair or correction of data, you assume all costs thereof. Applicable law may not allow the exclusion or limitation of incidental or consequential damages, so the above limitation or exclusion may not apply to you.

GENERAL may revise these Terms at any time by updating this disclaimer. You should visit this page from time to time to review the current Terms as they are binding on you. Certain provisions of these Terms may be superseded by expressly designated legal notices or terms located on particular pages at this Website.

Linking to the Website

If you would like to link to this Website, please read and comply with the following guidelines:

A site that links to the website:

– May link to, but not replicate, content.
– Should not imply that is endorsing it or its products
– Should not misrepresent its relationship with
– Should not present false information about products or services.
– Should not use the logo without permission from
– Should not contain content that could be construed as distasteful, offensive or controversial, and should contain only content that is appropriate
for all age groups.

Compliance Officers

Bay Union Insurance Brokers FSP: 12235:
MR JB Joannides | Crux Consulting 011 234 4991
Bay Union Employee Benefit Consultants FSP: 7969
MS Seshini Magan | Compliserve 087 897 6970
Bay Union Investment Planning Services FSP: 645
MS Seshini Magan | Compliserve 087 897 6970

Terms & Conditions

This site is made available for access by the public subject to the terms below. If you do not accept these terms, you may not access the site and should leave immediately.

Bay Union has made reasonable efforts to ensure that the information contained in this website is accurate at the time of inclusion, however there may be inadvertent and occasional errors for which we apologize.

Bay Union makes no representations or warranties about the information provided through this website, including any hypertext links or any other items used either directly or indirectly from Bay Union’s website and Bay Union may make changes and corrections at any time, without notice.

Bay Union is not responsible for the content of external Internet sites or hyperlinks. Users are advised to use linked sites with caution and in accordance with any terms of use of these sites.

The entire content of the site including its visual design and coding is subject to copyright protection and is owned by or licensed to Bay Union.