Customer-Oriented Business Policy (IFA)

Customer-Oriented Business Policy (IFA)

Establishment and Disclosure of Our Customer-Oriented Business Policy

Policy 1.
We take a customer-oriented approach to the development and implementation of our Business Operations Policy.

We have established and disclosed our “Customer-Oriented Business Policy” as a framework for providing products and services carefully tailored to each customer’s individual needs. To ensure the continued realization of customer-oriented business operations, we present the following as our fundamental principles of action and will regularly review and revise our initiatives and outcomes.

Pursuit of Our Customers’ Best Interests

Policy 2.
We seek to accurately understand our customers’ investment objectives and the nature of their funds, propose suitable options from the financial products and services we offer, and strive to help achieve their desired returns.

Note: In order to serve our customers’ best interests, we strive for every employee to maintain advanced professional expertise and uphold high ethical standards, thereby becoming trusted Independent Financial Advisors (IFAs). At the same time, we work to enhance our business operations to foster a customer-orientated corporate culture, rather than prioritizing our own profits.

Appropriate Management of Conflicts of Interest

Policy 3.
Guided by the principle of “customer-orientated business conduct,” we conduct our operations with integrity and fairness. When a potential conflict of interest may arise, we manage it appropriately, including by disclosing accurate information to customers.

Note: As we have no capital relationships with affiliated financial institutions, we are not influenced by their business policies. This enables us to prevent conflicts of interest with customers, prioritize their interests, and ensure that inappropriate transactions do not occur.

Clarification of Fees and Charges

Policy 4.
As a financial instruments intermediary offering a broad range of products and services, we strive to enhance transparency regarding the fees and charges borne by customers—whether directly or indirectly, when purchasing the financial products and services we handle, and we explain their types and characteristics.

Clear Provision of Important Information

Policy 5.
Even for customers purchasing financial products for the first time, we strive to provide comprehensive information, including product features, risks, and fees, as well as economic conditions and market trends, in a clear and accessible way to support sound decision-making. We also work to deliver straightforward and sincere information that takes into account not only customers’ transaction experience and financial knowledge but also their occupation and family circumstances.

Notes:
1. After providing products and services, we continue to deliver appropriate aftercare by comprehensively considering market trends, environmental changes, and changes in customers’ assets and investment stance.

2. When selling or recommending multiple financial products and services as a package, we strive to provide clear, straightforward, and trustworthy information that avoids misunderstandings, by using individual product pamphlets and materials to clarify whether each product can be purchased separately.

3. In addition to customers’ transaction experience, financial knowledge, and financial situation, we comprehensively consider the complexity and risk level of financial products and services. We strive to provide clear, straightforward, and trustworthy information suited to customers’ understanding and the characteristics of the products.

4. Taking into account the complexity and risk level of financial products and services, we provide clear, straightforward, and trustworthy information, such as risk–return relationships, using pamphlets and materials for comparable products, in line with customers’ level of understanding and product characteristics.

5. We strive to explain important information for customers’ investment decisions more clearly, while also improving the clarity and accessibility of the explanatory materials we provide.

Provision of Services Appropriate for Each Customer

Policy 6.
We value communication with our customers and strive to accurately grasp their needs, asset situation, transaction experience, knowledge of financial products, and investment objectives. Guided by the principle of suitability, we propose financial products and services that are appropriate for each customer’s circumstances.

Notes:
1. We strive to accurately identify customers’ asset management and asset formation needs at each life stage, while also working to recognize potential needs.

2. When selling or recommending multiple financial products and services as a package, we aim to thoroughly understand customers’ asset management and formation needs in line with their life stage, and to provide products and services that meet their expectations.

3. From our diverse product lineup, we strive to provide products and services that best match customers’ needs.

4. In addition to customers’ transaction experience, financial knowledge, and financial situation, we comprehensively assess the complexity and risk level of financial products and services. We strive to provide clear, straightforward, and trustworthy information appropriate to customers’ level of understanding and to product characteristics. Where appropriate, we may make proposals in consultation with family members or other relevant parties. For complex or high-risk products, we carefully consider whether they are truly suitable for the customer and, in some cases, may refrain from making a recommendation.

5. To ensure a customer-orientated approach, we strive for every employee to maintain a strong sense of professionalism and to further develop specialized capabilities in asset management and asset formation—including knowledge of laws, regulations, and products.

Appropriate Employee Incentive Framework

Policy 7.
We create a motivating and supportive workplace environment that enables employees to provide high-quality services to our customers.

Note: We establish performance evaluation systems that fairly assess compliance efforts, along with appropriate incentive mechanisms and management structures within personnel evaluations and compensation systems, in order to ensure that employees put customer-oriented business operations into practice.