Flou holds the FICA file, the ownership structure, the risk programme and every record of advice for your whole book — and flags the moment one goes stale.
A trust over a holding company over the client, resolved to the natural people behind it. Flou draws the chain, attaches the certified document to each node, and names the one that has not arrived yet — which is the only part a regulator will ask about.
FICTIONAL STRUCTURE · IDENTITY NUMBERS PARTLY MASKED AS THEY ARE IN THE PRODUCT
Individual, company, trust, partnership, foreign — each file carries its own required-document set, so nobody has to remember what a trust needs that a company does not.
CPD hours, regulatory examinations, supervision and the fit-and-proper record kept per representative and per Key Individual, with exports the FSCA already recognises.
Risk ratings and the section 21A record — nature of business, purpose of the relationship, source of funds — captured on the file instead of in somebody’s memory.
An organogram-structured pack, exported whole, every record carrying a tamper-evident trail of who did what and when.
12,401 authorised financial services providers in South Africa. Every one of them owns a file that goes out of date on its own.
FSCA Integrated Report 2024/25 · all FAIS licence categories · as at 31 March 2025