Clients, households and beneficiaries

The Tallify client register: controlled fields, consent to receive communications, households, beneficiaries, adviser scoping and deleting a client.

Client fields

Identity and contact details, ID number and date of birth (derived from the ID when absent), marital status, occupation, employer, address, risk profile, status, adviser, consent, household and notes. Status, marital status, risk profile and relationship are chosen from fixed lists so records cannot drift into free-text variants. Risk profiles are Conservative, Moderate and Aggressive. Dates and numbers are validated on every save. The Details tab lists the client's figures and lines by section (income, expenses, debts, assets, goals) with what waits on each line, and Edit, Add and Take off in place; every edit goes through the change ledger.

Consent

Consent to receive communications is a single flag per client, off by default. It is checked before a communication is drafted; a reply to an email the client sent is the exception. Turn it off to withdraw consent; it takes effect on the next run. See Consent and communications.

Households

A household groups spouses or partners and their family. Members are shown on each client, and the advice sees the household position without identity.

Beneficiaries

Beneficiaries are kept per client and per policy with relationship and share; shares that do not add up to 100% are flagged. The heirs from a fact find's estate answers are listed too. They appear in the needs analysis where estate and liquidity are considered.

Adviser scoping

Every client has an adviser. A scoped user sees only that adviser's clients here and everywhere else in the console.

Deleting

A client is deleted by an administrator or the client's own adviser, and the deletion is written to the audit log, which is never deleted. Requests from data subjects come to the practice, which is the responsible party under POPIA.