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FAIS and POPIA client communication checklist for South African brokerages

Every message a South African brokerage sends sits under two Acts: FAIS for the advice, POPIA for the personal information. This pack puts the checklist first, then our four reference guides: the FAIS Act, POPIA consent on WhatsApp, the record of advice and FAIS record-keeping.

17 pages · PDF · 593 KBEdition of 29 October 2026FCB.ai · ORIS

What is inside

  • A 12-point checklist checked against the text of POPIA (section 69) and the FAIS Act (sections 18 and 27), plus Meta's messaging rules.
  • The FAIS Act explained for brokers: licence, representatives, fit and proper, General Code of Conduct, records, Ombud.
  • POPIA and WhatsApp: servicing versus marketing, section 69 in practice, message by message.
  • The record of advice when the sale happened on WhatsApp, and how long to keep the conversations.

Page preview

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Contents

  1. The brokerage checklistp. 3
  2. The FAIS Act explained for insurance brokers: licence, fit and proper, records and the Ombudp. 4
  3. POPIA and WhatsApp: what an insurance broker may send a client, and whenp. 8
  4. Record of advice when the sale happened on WhatsAppp. 11
  5. FAIS record-keeping: how long and how to archive WhatsApp conversationsp. 14
  6. Official sources behind the checklistp. 17

Who it is for

Brokerage principals, key individuals, compliance officers and representatives of South African FSPs that service clients on WhatsApp.

Official sources behind the checklist

  1. gov.za — Protection of Personal Information Act 4 of 2013 (section 69: direct marketing) — accessed 29 October 2026
  2. gov.za — Financial Advisory and Intermediary Services Act 37 of 2002 (sections 18 and 27) — accessed 29 October 2026
  3. Meta — sending messages: the 24-hour customer service window — accessed 29 October 2026
  4. Meta — template categorization (marketing, utility, authentication) — accessed 29 October 2026

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