FINANCIAL EDUCATION PROGRAMME

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.

SPEND LESS & EARN MORE PROGRAMME

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!

FINANCIAL WELLNESS, CREDIT REPORT

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.

EMERGENCY MEDICAL ASSISTANCE

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.

EMERGENCY ROADSIDE ASSISTANCE

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.

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FUNERAL ASSIST

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.

HIV AIDS TREATMENT LINE

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:

  • Exposure to HIV/Aids by an HIV/Aids negative subscriber
    • Unlimited telephonic counselling intervention, advice and information
    • A “morning after” pill to prevent pregnancy
    • 30 Day starter pack of anti-retroviral medication
    • 7 Day course of medication for prevention of the development of STI (Sexually Transmitted Infections)
    • Registration for an HIV/Aids management programme should the counsellor recommend this
  • Exposure to HIV/Aids by an HIV/Aids positive subscriber
    • Unlimited telephonic counselling intervention, advice and information
    • A “morning after” pill to prevent pregnancy
    • 7 Day course of medication for prevention of the development of STI (Sexually Transmitted Infections)

Provision of medicine is dependent on the HIV/Aids test results and arranged at the discretion of the professional counsellor

HOME ASSIST

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.

TAX ADVICE

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 with personal tax enquires
  • Quality telephonic advice relating to personal tax problems
  • Referral to an appropriate tax specialist if necessary
  • Interpretation of personal tax options
  • Telephonic assistance and guidance with the completion of personal tax returns

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.

TRAUMA ASSIST & COUNSELLING

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.

TUTOR LINE

FinClub  members’ dependents can make use of a telephonic, after hours homework helpline where qualified tutors assist learners with their homework or project queries. It provides access to the internet and any information supplied through the internet can be forwarded to the learners by e-mail, fax or courier service. This means learners receive telephonic assistance and tutors do research on behalf of the learner.

The role of the tutors is to encourage, explain and assist children with evening homework where parents are often not available, or perhaps not equipped to deal with the task.

The service includes:

  • Telephonic learner support, education and support in terms of sourcing relevant information
  • Research for assignments (limited to web search topics) in all the major subjects for secondary school learners
  • Modes of communication include fax, e-mail and mail if required

The following subjects are covered by our tutors:

  • Mathematics
  • Science
  • Business Economics
  • Geography
  • Biology
  • English
  • Afrikaans
  • Accounting
  • Economics

Learner support is offered in English. Service hours are Sundays to Thursdays from 18h00 to 21h00 and excludes national school and public holidays

DISCOUNTED ACCOMMODATION

FinClub  members have exclusive access to over 3,200 accommodation facilities throughout South Africa at discounted rates. Members can book in real time through the dedicated online discounted accommodation directory.

Alternatively, a friendly call centre agent will assist you in finding and making a booking at a venue that is applicable to discounted accommodation.

Offers are valid to FinClub  members only. Discount partners are subject to change without notice. The service provider reserves the right to, in its sole discretion, cancel and / or suspend offers. Offers cannot be used in conjunction with any other special / or promotion at the same company/business. Offers are subject to change without prior notice.

DISCOUNT VOUCHERS

FinClub  members gain access to a huge range of discount partners which vary from holiday accommodation, travel packages and flights, to car rentals, motoring, online shopping, restaurants, and more.

Our discount vouchers offer will help you make smart decisions on your lifestyle needs by offering discounted access to SA’s favourite national brand and service providers. As a FinClub  member, there are savings around every corner.

VALUE VOUCHERS

FinClub  members are entitled to certain value vouchers with give you greater value at discounted rates at our retail and cell phone partners. You save all the way as a FinClub  member.

Some value vouchers include:

  • 2 for 1 movies at Nu Metro cinemas through our web and mobile platform.
  • R29 Vodacom airtime for R25
  • R30 MTN airtime for R26
  • R35 Cell C airtime for R28
  • Checkers Vouchers:
    • R75 worth of value for R58
    • R100 worth of value for R75
    • R150 worth of value for R110

DEBT COUNSELLING

The debt counselling service includes assistance from qualified legal advisors to FinClub  members to assist you with the legality surrounding a debt review and the process it entails. Should you wish to apply for a debt review, a legal advisor will refer you to a registered debt counsellor or debt counselling company in their area where they reside for further facilitation.

Further facilitation by a registered debt counsellor or debt counselling company will be a direct agreement between you and the counsellor.

The elements of debt review include:

  • Formal debt review process
  • Contacting of creditors and advising that client is under formal debt review
  • Registering the client under NCR
  • Re-negotiate terms with the required creditors
  • Get the new terms reached with the creditors approved in court
  • Keep the client updated with all information on repayments whilst the client is undergoing debt rehabilitation

Any cost in relation to the facilitation of a debt review by a registered debt counsellor or debt counselling company, will be for the member's own account.