d8Disclosures

Everything you are entitled to know.

Our registration, relationships, complaints process and how we are bound to behave.

01Registration

NAMFISA

NAMFISA-registered intermediary: 10/LB/171 (long-term insurance broker) and SB/1094 (short-term insurance broker).

CC registration: CC/2010/0922

02Memberships

Professional bodies

RFS and its principal hold memberships of the following bodies. Membership does not imply endorsement by these bodies.

  • Namibia Insurance Brokers Association (NIBA): nibanam.com
  • Financial Planning Institute (FPI): fpi.co.za

03Conflicts of interest

Relationships you should know about

Kyron is a director and beneficial shareholder of VFS Wealth Management Namibia (Pty) Ltd.

Relationships with product providers and any conflicts are disclosed to you in writing.

04Complaints

If something goes wrong

If you are unhappy with our service or with an invoice, please contact Kyron Raad at kyron@rfs-namibia.com or +264 61 309 918. We will acknowledge your complaint within 10 working days and give you a written answer with our reasons. If you are still not satisfied after our complaints process, you may complain to NAMFISA (toll-free 0800 290 500).

05Privacy and compliance

Privacy, data, FIC and access to information

Privacy and data protection: Your personal information belongs to you. We keep it confidential and secure. We use it to analyse your needs, advise you, and set up and service your products, or as the law allows. We share it only with product providers and service providers who need it to serve you and who must keep it confidential. We will ask for your consent before we share it with anyone else, unless the law requires or allows us to share it. The law may require us to give information to regulators and other authorities, such as NAMFISA. We do not need your consent when the law requires this.

Records and access to information: The law requires us to keep records of our dealings with you, including your identification documents, for at least five years after our relationship ends, or longer if an authority asks. You may ask to see the information we hold about you and to correct it.

Financial Intelligence Act: The Financial Intelligence Act, 2012 (section 21) requires RFS to identify you and check your identity before we start a business relationship with you. You must give RFS the identification and other information that the Act requires, and tell us when it changes. If RFS cannot complete these checks, it may not be able to start or continue our relationship.

06Code of Conduct

Our Code of Conduct, in plain language.

Summary of the Code of Conduct updated August 2026, aligned with FIMA.

How we treat you

With truth, fairness and goodwill, acting for your benefit.

How we behave

With accountability, integrity and transparency, and by responding promptly.

Competence

We keep our knowledge current through continuing professional development and act with reasonable care, skill and diligence, placing your goals before commission.

In writing

We tell you in writing about costs, risks, terms, our relationships with product providers and any conflicts.

Your information

Records are kept securely and shared only with your consent, except where disclosure is lawfully required.

Oversight

Compliance monitoring, internal audits and disciplinary action where standards are not met.

The six stages of advice

  1. 1Initial scope and disclosures
  2. 2Fact-find
  3. 3Analysis of estate, tax, cash flow, retirement and insurance
  4. 4Written recommendation
  5. 5Informed written consent and implementation
  6. 6Ongoing annual review

Your next move

Arrange a consultation.