Designed by business professionals, FinClub offers a digital Financial Education Programme to help its members improve their financial knowledge and fully understand their personal financial position.
Broken down into monthly correspondence, for 12 months FinClub members receive valuable educational content that addresses every aspect of one’s financial wellbeing.
Starting with budgeting (understanding income and reducing monthly costs), we will take you through setting financial goals, debt management, tax advice and other important and often misunderstood disciplines.
Most importantly, we will show you how you can benefit from month 1.
Our research has indicated that many people take monthly expenses, which do include monthly debit orders, for granted. Yet, there are a myriad of ways how you can reduce your monthly expenses by up to 27%! The good news is you don’t need to go and figure this out all by yourself. We’ve spent years unlocking those hidden gems and perfecting the science of making the “system” work for you. Now we are excited to share this knowledge with every FinClub member.
Coupled with our Financial Education Programme, our Spend less & Earn more Programme will show you how you can practically start saving money this month already. Additionally, we will introduce you to various ways of earning additional income with minimum effort.
That’s what it’s all about, isn’t it? Spend less and earn more!
Your credit information is gathered by credit bureaus on a regular basis from various sources who have extended you credit. As a consumer, it’s critical that you are also aware of your credit status and have an accurate picture of your credit history in order to make informed financial decisions.
FinClub ’s value-added services offer telephonic assistance and process guidance when it comes to your personal financial enquiries. This includes sharing information regarding your current credit status, and interpretation of your credit report to help you effectively manage your financial wellbeing and credit lifestyle.
Based on the circumstances, we will offer guidance with regards to a debt consolidation process and refer you to a professional, national network of such practitioners.
We also offer free personal credit reports each year through our telephonic support service.
This service will help you to have full knowledge of your financial wellness at any time and is one of the first steps to financial freedom. That’s what FinClub is all about.
The territory is limited to the borders of South Africa including Swaziland and Lesotho. Within a calendar year, three credit reports are provided and additional requests are accommodated at an agreed, once-off cost. The service is available during office hours 08:00 to 16:30.
With FinClub ’s Emergency Medical Assist service you and your immediate will have access to a 24-hour helpline to respond to medical emergencies of any kind.
This includes any life-threatening episode of illness or accidental injury, whether violent or otherwise, that requires immediate emergency medical attention.
Emergency Medical Assistance includes emergency medical advice and assistance, emergency medical transport and response, trauma and crisis assistance, medical facilities and practitioners’ referral, in-hospital medical monitoring, compassionate visits, and escorted return of minors.
In all instances, standard protocol would include confirmation of a medical aid / hospital plan if possible. Cost in terms of services rendered by a service provider such as road ambulance is recovered from the member’s medical aid and if the member does not belong to a medical aid, cost is payable by the member.
FinClub members have access to an efficient roadside emergency help desk. The service is available 24 hours a day, 365 days a year within the borders of South Africa for any of the vehicles used by the main member or your immediate family members.
The emergency roadside assistance service entails 24/7 dispatching of an appropriate service provider in the event of a roadside emergency and continuous follow-up until the incident is attended to. Emergency roadside assistance applies to any of the vehicles registered in the name of the customer.
Your emergency roadside assistance covers a flat tyre, flat battery, running out of fue l, keys locked inside your vehicle, mechanical or electrical breakdown, emergency car hire or accommodation, message relay or conference call.
The Funeral Assist product offers specialised, professional, telephonic assistance to FinClub members who need to arrange a funeral.
The Funeral Assist product includes the following services:
Faxing or e-mailing of required claim forms or referral/transfer to relevant numbers;
Referral to funeral parlous, undertakers and/or pathologists listed on an extensive national database of service providers for either funerals or cremations.
Advice on standard funeral practices such as operating hours of government mortuaries, transportation requirements and required paperwork in the event of long distance repatriation locally or across borders.
The territory is limited to the borders of South Africa including Swaziland and Lesotho. Beneficiaries of the benefits is the person listed as the main customer/beneficiary of the product as well as the customer’s spouse/life partner and financially dependent children under the age of 21 years living at the customer’s permanent residence. Cost payable for incident not attended to by the 24/7 helpline will not be refunded. An independent network of service providers with contractual service level agreement in place are dispatched by the helpline. Contractual agreements with these service providers are dependent on strict qualifying criteria and client satisfaction is monitored on a regular basis. As per these agreements, the responsibility for damage, loss or poor workmanship resides with the service provider. The helpdesk will however attend to queries relating to service providers and make every effort to negotiate a satisfactory solution to any service dispute or complaint, provided such complaint is received in writing within 14 days.
As part of FinClub ’s offering we offer an HIV/Aids treatment line to our members.
If you think you have been exposed to an incident which could lead to you being infected by HIV/Aids you will receive three psychiatric consultations for every such incident. A consultation could involve a general practitioner, trauma counsellor or registered nurse with trauma counselling experience.
The HIV/Aids treatment line service includes the following benefits for FinClub members:
Provision of medicine is dependent on the HIV/Aids test results and arranged at the discretion of the professional counsellor
With the Home Assist product, FinClub members are assisted with any home emergency or non-emergency on a 24/7 basis at the member’s permanent residence, including outbuildings on the premises.
Home Assist can be used for any situation that applies to electrical, plumbing, household, motors and appliances and will cover the call-out fee and the first hour of labour for FinClub members.
A call centre agent will assist by arranging an appropriate service provider to deliver these essential services limit consequential damage or sanitation risk.
Cost of labour in excess of the first hour’s call-out fee for electrical, plumbing, glazier & locksmith incidents is payable by the member.Costs for parts are payable by the member directly.Exclusions for the call-out & 1st hour’s labour offer are normal wear and tear maintenance, electric motors, access controls, septic tanks, safes and municipal electrical and water connections.
The Legal Assist product offers FinClub members professional, in-house, qualified legal advisors to provide advice on any legal topic or matter ranging from debt and divorce to labour and domestic violence, 24/7.
The legal service also provides for standard legal documents such as a domestic worker employment contract, maintenance kit, offer to purchase, small claims court kit, Road Accident Fund, etc.
In addition, legal advisors can also peruse and evaluate agreements for FinClub members.
Matters which require assistance by a practicing attorney will be referred to an attorney on the national database and FinClub members qualify for a first 30-minute consultation, one letter of demand or a telephonic call to the party in question at no cost, at the discretion of the legal advisor.
Additional consultation in excess of the first 30 minutes is arranged between the member and the attorney and paid for by the member.
The Tax Advice service provide FinClub members assistance with personal tax enquiries, referral to an appropriate tax specialist, interpretation of personal tax options, and telephonic assistance with the completion of personal tax returns.
The Tax Advice service includes:
Assistance is available during office hours from 08:00 – 16:30 and does not provide for external in respect of services not related to the telephonic assistance.
Life can throw you a curve ball at any moment and, as a FinClub member, you will have access to dedicated counsellors who can assist in dealing with trauma arising from car accidents, hijacking, burglary, rape, the loss of a loved one, unemployment, chronic or life threatening medical conditions, disability, domestic violence, and more.
Further to this, if your children are affected by any of the above traumatic events or school bullying, teen suicide, teen pregnancy, parent unemployment, or a chronic family medical condition, they will also be entitled to trauma assistance and counselling.
FinClub members and their dependents have access to a 24/7 confidential and professional telephonic trauma counselling line.
In the case of you or your dependents experiencing trauma, assessment is made by frontline staff of the telephonic line and transferred to qualified, professional and understanding counsellors who have been trained to help people cope with such matters.
Telephonic debriefing and counselling are conducted by the qualified counsellor and should the counsellor determine a need for additional face-to-face counselling, you will be directed to an appropriate trauma counselling centre, nearest to your work or home address. Once you have been referred to the nearest, most appropriate counselling centre you will be assisted in scheduling an appointment via a conference call or the contact details for the centre will be provided so you can make your own arrangements, if you prefer. In the event of the latter, the particular counselling/trauma centre will be notified of a possible counselling session to be scheduled.
The national databases of counselling centres include those which act independently, rendering community and public service.