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At the Nü Savings Group (NSG), we have adapted our business practices to identify and meet the needs of clients who, either through written or verbal discourse (e.g. electronic mail, telephone calls, or Whatsapp messages), we deem need our special assistance. Living with a disability, an illness or a diagnosis does not in itself make someone vulnerable. In the context of advice, it is the person’s situation (e.g. a disability, an illness, or a diagnosis) and barriers to accessing business services that may make them vulnerable. This is by no means an exhaustive list. There can be other indicators, which can include risk factors that indicate a client may be vulnerable. If you are a third party, with a client who may need our assistance, we are happy to discuss their case.

To ensure we have the best intentions of a prospective or current client; we will match a particular product, service, and/or solution with a supplier or a third-party provider who hold shared values of a duty of care to a client. Each client will be assessed on a case-by-case basis. Our assessments will cover the following areas: disabilities, mental capacity, and undue influence. If you believe you have a client or clients who may need our assistance in a given area, please do not hesitate to contact us.  

On some occasions, it may be necessary for a third party to provide medical or other experts' opinions, in such circumstances we must be provided with a client's written consent or documentary evidence to confirm that they have agreed to be assessed.

 

You will need to find a suitable professional who is willing and skilled to do an assessment and form an opinion, in the time required. This will be a cost borne by the client or their representative, and as such it will your responsibility to inform your client of such costs. 

You may be able to act, or continue to act, on behalf of your client if you are an accredited legal representative, chartered accountant, or court-appointed representative.

 

You may act under the instructions of a client if you wish you to make decisions, or act on their behalf, if they no longer are able to or they find it difficult to make their own decisions: with a registered power of attorney (POA), enduring power of attorney (EPA), or lasting power of attorney (LPA), provided the decision is within the scope of your authority.

We will be unable to or have the ability to work on a case if we deem a potential client lacks the capacity to give us instructions and omits their consent to act; or as an accredited representative, you do not wish to provide your consent to act on their behalf in a particular matter. 

 

If during the course of our administration; a current client becomes a) vulnerable, b) has lost the capacity to work with us, or c) suffers from emotional distress, or confusion, we immediately seek a solution to protect our client's best interests. This may involve working with either a close family member, friend, or an accredited representative to resolve the matter amicably.