"complaint"

means a complaint by a client relating to any agreement with, or a financial service or product of, a financial institution, and in which it is alleged that the client has suffered or is likely to suffer financial prejudice or damage as a result of the financial institution—

(a)	having contravened or failed to comply with a provision of any agreement or the law or of a code of conduct subscribed to by the financial institution;

(b)	having wilfully or negligently supplied, or failed to supply, a financial service or a product to the client;

(c)	having treated the client unreasonably or inequitably; or

(d)	having maladministered the implementation of an agreement with, or the supply of a financial service or a product to, the client;