FINE provides the customers with advice in their issues related to insurance, banking and securities. You can contact the FINE advice services if direct discussions with the service provider do not lead to a solution of your problem. FINE will give you instructions on how to proceed, for example, if the insurance company has decided not to accept your claim or the conduct of your bank or other investment service company does not meet with your expectations. Advice is also available before you make a decision to purchase a service or a product. In addition to advice, FINE issues recommendations on solutions of disputes concerning insurance, banking and securities issues. FINE’s services are provided free of charge.