Legal & Compliance


Code of Banking Practice
National Credit Amendment Act
National Credit Act, No 34 of 2005
PAIA Manual October 2016
Conflict of interest policy with Guard risk Annexes 1,2,3
New Affordability Regulations
Removal of adverse consumer credit information
FIC Act, No 31 of 2001
FIC Regulations
Conflict of interest policy with Guardrisk
Conflict of interest policy with Stangen
Insurance Complaints Policy

The insurer of your credit life policy, sold to you by African Bank, is The Standard General Insurance Company Limited. This will change to Guardrisk Life Limited. Your benefits will remain secure and unchanged. Please see the documents below for further information.

FSB Notification and Annexures
Transfer Agreement
Addendum to Transfer Agreement
Stangen resolution Board of Directors
Guardrisk resolution Board of Directors
Stangen Annual Financial Statements 2016
Guardrisk Annual Financial Statements 2016
Stangen Statutory Actuary Report
Guardrisk Statutory Actuary Report
Communication Notice Annexure 2 Formal notice (Eng)
Communication Notice Annexure 3 Formal notice (Afrikaans)
Communication Notice Annexure 4 (FAQ)


Website terms and conditions
Language Policy
GO Green digital statements
Terms and conditions
Disclaimer, Privacy and Security
Sales Referral Competition Terms and Conditions

Disclosure documents

African Bank Conflict of Interest Policy detailing Guardrisk Life Limited
Conflict of Interest Management Policy in terms of The FAIS General Code of Conduct
Summary of Fidelity Cover

Additional information

Income and expense declaration - English
Income and expense declaration - Sesotho
Income and expense declaration - Zulu


Terms and conditions
KayaFM Competition Ts and Cs