12 Montrose Avenue, Craighall Park
27 (11) 789 1255

Privacy Policy & Disclaimer

Authorised Financial Services Provider (License No. 544)

Your use of this site and/or the services is at your own risk. While every effort is made to keep website content up to date and accurate, The website owner has no liability for any errors or omissions in the materials whether provided by the website owner or our maintenance or hosting service providers. This site does not provide legal advice. The content on this site are for informational purposes only. The materials are not intended to be a substitute for legal or other professional advice. Always seek the advice of a qualified attorney or appropriate professional with any questions you may have regarding a legal issue.

Content may include inaccuracies or typographical or other errors. The website owner does not warrant the accuracy of timeliness of the materials, submissions or content contained on this site.

Unless otherwise explicitly stated, to the maximum extent permitted by applicable law, this site, the services, materials, submissions, and any information or material contained or presented on this site is provided to you on an “as is,” “as available” and “where-is” basis with no warranty of implied warranty of merchantability, fitness for a particular purpose, or non-infringement of third party rights. The website owner does not provide any warranties against viruses, spyware or malware that may be installed on your computer.


1. Terms of Use

The website owner provides the information contained on this website subject to the terms of use detailed below. By accessing the website, you shall be deemed to have agreed to all the terms of use. The website owner may at any time modify the terms of use and your continued use of the website will be subject to the terms of use in force at the time of your use. Accordingly you agree to review the terms of use periodically, and your continued access or use of the website shall be deemed to be your acceptance of the amended terms of use of the website.

2. Content of the Website

Whilst every effort is made to update the information provided on this website on a regular basis, The website owner makes no representations or warranties, whether express, implied in law or residual, as to the accuracy, completeness and/or reliability of any information, data and/or content contained on the website (including but not limited to any information which may be provided by the various clients, companies, partners and suppliers of The website owner).

The website owner (collectively “information”) and shall not be bound in any manner by any information. The website owner reserves the right at any time to change or discontinue without notice, any aspect or feature of this website. No information contained on The website (and whether posted by the website owner or any of its partners, clients or suppliers of the website owner) shall be construed as advice and same are offered for information purposes only.

3. Copyright and Intellectual Property Rights

Copyright and all intellectual property rights to all information, materials, text, drawings and data made available on this website (collectively “materials”) are owned by The website owner alternatively, The website owner is the lawful user thereof and is protected by both South African and international intellectual property laws. Accordingly, any unauthorised copying, reproduction, retransmission, distribution, dissemination, sale, publication, broadcast or other circulation or exploitation of such material as aforesaid or any component thereof will constitute an infringement of such copyright and other intellectual property rights; save that you may use the materials or any component thereof for your own internal business purposes. The trademarks, names, logos and service marks (collectively “trademarks”) displayed on this website are registered and unregistered trademarks of the website owner. Nothing contained on this website should be construed as granting any licence or right to use any trademarks without the prior written consent of The website owner.

4. External Links

External links may be provided for your convenience, but they are beyond the control of The website owner and no representation is made as to their content. Use or reliance on any external links provided is at your own risk. When visiting external links you must refer to that external websites terms and conditions of use. No hypertext links shall be created from any website controlled by you or otherwise to this website without the express prior written permission of The website owner.

5. Submissions to the Website

5.1 By accessing the website and subject to 9 you hereby grant The website owner a nonexclusive, worldwide, royalty-free license to link to, utilise, use, copy, exploit, and/or prepare derivative works of any information submitted by you to the website.

5.2 Notwithstanding 1, The website owner is not responsible for any material submitted to the website and/or any public areas of the website by you. Any material (whether submitted by you or any other user) is not endorsed, reviewed or approved by The website owner. The website owner reserves the right to remove any material submitted or posted by you to the website and in the public areas, without notice to you, if it becomes aware and determines, in its sole and absolute discretion that you are or there is the likelihood that you may –

5.2.1 upload files that contain viruses, corrupted files or any other similar software or programmes that may damage the operation of The website owner’s and/or a third party’s computer system and/or network;

5.2.2 violate any copyright, trademark, other applicable South African or international laws or intellectual property rights of The website owner or any other third party;

5.2.3 upload, post or in any other way transmit information which you are not authorised to transmit.

6. Website Content Funded by External Parties

Hacking of websites is common and while every attempt is made to prevent it, the complex nature of a site such as this makes hacking a reality. Should an unauthorised person post any message or material that is unlawful, harassing, defamatory, abusive, indecent, threatening, harmful, vulgar, obscene, sexually orientated, racially offensive, profane, pornographic or violates any applicable law and you hereby indemnify The website owner against any loss, liability, damage or expense of whatever nature which the website owner or any third party may suffer which is caused by or attributable to, whether directly or indirectly, your use of the website.

7. Warranties, Disclaimers and Limitation of Liability

The website owner makes no warranties, representations, statements or guarantees (whether express, implied in law or residual) regarding the website and any of the information contained on the website. Accordingly, the website is made available and the information is provided to you on an “as is” basis.

The website owner shall not be responsible for and disclaims all liability for any loss, liability, damage (whether direct or consequential), personal injury or expense of any nature whatsoever which may be suffered by you or any third party, as a result of or which may be attributable, directly or indirectly, to your access and use of the website and any information contained on or accessed via the website and you hereby indemnify The website owner in respect of any loss, liability, damage (whether direct or consequential) or expense of any nature whatsoever, which may be suffered by such you and/or third party as a result of or which may be attributable directly or indirectly to any of the aforesaid.

Notwithstanding anything to the contrary contained herein, The website owner shall not be liable for any indirect, contingent or consequential loss (including but not limited to loss of business, loss of data and/or loss of profits) incurred or sustained by you or any third party howsoever arising in respect of your use of and/or reliance of on any information offered on or via the website. You further acknowledge and agree that your access to the website will not be free of interruptions, errors, technical inaccuracies, problems or other limitations, and that the website may be unavailable from time to time. You accordingly assume total responsibility and risk for your use of and reliance on the website and any information accessed via the website.

8. Privacy Policy

8.1 The website owner is sensitive to the private nature of information you provide to us over the Internet.

8.2 In addition, our web servers may automatically collect website usage information from you when you visit our website. Website usage information informs us about how our visitors and subscribers use and navigate our website, including the number and frequency of users to each webpage, their IP address and the length of their stays. We may use this information to inter alia enable us to improve your experience on the website; to improve and develop new products, features and services; to provide marketing with aggregate information about our userbase and usage patterns; to allow us to personalise the advertising users see based on their personal characteristics or preferences and for other purposes.

8.3 We reserve the right to contact you at any time regarding any problems or questions as well as to notify you of changes to our Privacy Policy, or to other policies or terms that affect you and your use of the website, and to share your information in order to enforce our policies and terms governing the website.

8.6 If you have any questions, comments or concerns about our Privacy Policy, you may contact us.

9. Address for Service

9.1 The address for service for all purposes relating to these terms of use including the giving of any notice, the payment of any sum

Registration No. 1987/005024/06
FSP Licence Number 544

Telephone: +27 11 789 1255
Fundal Address: P O Box 41110 Craighall 2024

9.2 The website owner shall be entitled from time to time, by giving notice to you to vary its physical address for service to any other physical address within the Republic of South Africa, and to vary its facsimile address for service to any other facsimile number.

10. General

10.1 These terms of use constitute the sole record of the agreement between you and The website owner in relation to the subject matter hereof. Neither you nor The website owner shall be bound by any express tacit or implied representation, warranty, promise or the like not recorded herein. These terms of use supersede and replace all prior commitments, undertakings or representations, whether written or oral, between you and The website owner in respect of the subject matter hereof. No addition to, variation or agreed cancellation of any provision of these terms of use shall be binding upon either you or The website owner unless agreed to by The website owner. No indulgence or extension of time which either you or The website owner may grant to the other will constitute a waiver of or, whether by estoppel or otherwise, limit any of the existing or future rights of the grantor in terms hereof, save in the event or to the extent that the grantor has signed a written document expressly waiving or limiting such rights.

10.2 The website owner shall be entitled to cede, assign and delegate all or any of its rights and obligations in terms of these terms of use to any third party.

10.3 All provisions of these terms of use are, notwithstanding the manner in which they have been grouped together or linked grammatically, severable from each other. Any provision of these terms of use which is or becomes unenforceable in any jurisdiction, whether due to voidness, invalidity, illegality, unlawfulness or for any reason whatever, shall, in such jurisdiction only and only to the extent that it is so unenforceable, be treated as pro non scripto and the remaining provisions of these terms of use shall remain in full force and effect.

10.4 Should The website owner be prevented from fulfilling any of its obligations to you as a result of any event of force majeure, then those obligations shall be deemed to have been suspended to the extent that and for as long as The website owner is so prevented from fulfilling them and your corresponding obligations shall be suspended to the corresponding extent.

In the event that force majeure continues for more than thirty days after it has first occurred then The website owner shall be entitled (but not obliged) to terminate all of its rights and obligations in terms of or arising out of these terms of use and/or any service by giving notice to you.

An “event of force majeure” shall mean any event or circumstance whatsoever which is not within the reasonable control of the affected party including, without limitation, vis major, casus fortuitus, any act of God, strike, theft, riots, explosion, insurrection or other similar disorder, war (whether declared or not) or military operations, the downtime of any telecommunications line, power failure, international restrictions, any requirement of any international authority, any requirement of any government or other competent local authority, any court order, export control or shortage of transport facilities.

10.5 These terms of use shall be governed by and construed in accordance with the laws of the Republic of South Africa without giving effect to any principles of conflict of law. You hereby consent to exclusive jurisdiction of the High Court of South Africa in respect of any disputes arising in connection with the services referred to herein, or these terms of use or any matter related to or in connection therewith.