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Welcome to the Investment Solutions Limited and/or Alexander Forbes
Individual Client Administration (Pty) Ltd (the issuer of the
policy/administrator) Internet web site. By
clicking on
YES
you hereby acknowledge and admit that you have carefully read the
terms and conditions of this legal notice, that you fully understand
and appreciate its contents and that you unequivocally agree to be
legally bound by its terms and conditions. If you do not agree with
these terms and conditions, please do not access the web site by
clicking on
NO. |
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The issuer of the policy/administrator and its affiliates provide
information and material relating to the issuer of the
policy/administrator on this website (hereinafter referred to as
“the site”). |
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The information and material provided on the site is not, nor is it
represented to be, intended for distribution to or use by any person
or entity (corporate or otherwise) in any jurisdiction or country
where such distribution or use would be contrary to the laws and/or
regulations of those jurisdictions or countries or which would
subject the issuer of the policy/administrator or its affiliates to
any registration or regulatory requirement whatsoever within such
jurisdiction or country. The information and material displayed on
or provided in the site is currently only available to citizens and
residents of and legal entities formed, incorporated, established or
having their effective management in the Republic of South Africa.
The use or attempted use of the information and material by
residents or legal entities of other countries may in some
circumstances result in civil action or criminal prosecution. |
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Advice
This information is not advice as defined and contemplated in the
Financial Advisory and Intermediary Services Act, 37 of 2002, as
amended. The issuer of the policy/administrator does not represent
that the financial securities, products, instruments, services and
transactions offered on the site are appropriate for purchase or use
by all investors or other potential clients..
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Neither the information and material, nor any
opinion or view contained in the site, constitutes or is intended to
constitute a solicitation, invitation or offer by the issuer of the
policy/administrator to purchase or sell any financial securities,
futures contracts, options contracts or other financial instruments
or financial products or to enter into any financial, investment or
other transaction. |
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Since the information and
material contained herein is intended to afford general guidelines
on matters of general interest, neither the information and
material, nor any opinion or view is to be regarded or is intended
to be regarded as financial, investment, tax, legal, accounting,
actuarial, retirement or other professional advice or service.
Potential investors or other users are advised to obtain independent
professional advice before taking any action whatsoever based on the
information, material, opinions or views contained in the site.
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Own Risk
Although the information and material provided on the site is
obtained or compiled from sources believed to be reliable and
therefore expressed in good faith, and although in the preparation
of the site every effort has been made to offer the most current,
correct and clearly expressed information possible, inadvertent
errors may occur, and applicable information, laws, rules and
regulations often change without the site being immediately updated.
Therefore, the information on the site is provided "AS IS" and “AS
AVAILABLE” and is therefore viewed at own risk. No warranty,
representation, undertaking or guarantee concerning the accuracy,
adequacy and completeness of the information and material provided
herein is either expressly, tacitly or by implication given by the
issuer of the policy/administrator. The issuer of the
policy/administrator expressly disclaims any liability for any
errors or omissions in the information, material, views and
opinions. Even if this information or data is displayed “live”, and
even if this information is obtained from another “live” source, no
warranty, representation, undertaking or guarantee concerning the
accuracy, adequacy and completeness of the information and material
provided herein is either expressly, tacitly or by implication given
by the issuer of the policy/administrator. The issuer of the
policy/administrator does not warrant or guarantee the accuracy and
completeness of any of the information, material, views and opinions
for any particular purpose and expressly disclaims any warranties of
merchantability, non-infringement of third-party rights, freedom
from viruses or other harmful code or fitness for a particular use
and purpose. The issuer of the policy/administrator disclaims any
responsibility for any loss or damage suffered by anybody as a
result of the improper use of any information contained in the site
or as a result of any decisions whatsoever taken by anybody without
proper financial, investment, tax, legal, accounting, actuarial,
retirement or other professional or other advice. However, nothing
herein shall be construed as limiting or reducing the issuer of the
policy/administrator responsibilities and obligations to its clients
in accordance with the applicable laws and regulations.
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Warranties and Guarantees
Although efforts have been made to protect information, the issuer
of the policy/administrator provides no guarantee, warranty or
undertaking in connection with the security of the site. The issuer
of the policy/administrator will not be responsible for and
disclaims any liability for any loss, damage, costs or expenses that
could result from interception by third parties of any information
made available via the site. |
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Indemnity
Neither the issuer of the policy/administrator, nor any of its
affiliates, directors, officers or employees, nor any third-party
vendor will be liable or have any responsibility of any kind for any
loss or damage incurred in the event of any failure or interruption
of the site, or resulting from the act or omission of any other
party involved in making the site or the data contained herein
available, or from any other cause relating to access to, inability
to access, or use of the site or the material, whether or not the
circumstances giving rise to such cause may have been within the
control of the issuer of the policy/administrator or of any vendor
providing software or services support. In no event will the issuer
of the policy/administrator, its affiliates or any such parties be
liable for any direct, special, indirect, consequential, incidental,
punitive or exemplary damages or any other damages of any kind
arising out of any use of or any inability to use the site or any
portion thereof, regardless of whether the issuer of the
policy/administrator or any other party has been advised or apprised
of the possibility or the likelihood of such damages occurring and
regardless of the form of action, whether in delict, tort, contract,
warranty, strict liability or otherwise. |
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Downloading and
Reproduction of Information
When information is
downloaded from the site, the copying, removal or obscuring of any
copyright, other notices or legends contained in the information or
material is strictly prohibited and any action contravening this
prohibition may result in criminal or civil legal liability. The
information and material is protected by copyright laws and no part
of the site, the information and material may be reproduced or
transmitted in any form or by any means, electronic or mechanical,
including but not limited to, recording,
photocopying or by
any information storage and retrieval system without the prior
written consent of the issuer of the policy/administrator. |
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Access to Linked Sites
Leaving the site via a link contained herein, and viewing the
content that is not provided or controlled by the issuer of the
policy/administrator, is done at own risk. The content of the linked
web site will not have been developed, checked for accuracy, or
otherwise reviewed by the issuer of the policy/administrator or its
affiliates. The issuer of the policy/administrator is not
responsible for any damage or losses caused by any delays, defects
or omissions that may exist in the services, information, material
or other content provided in such a linked site, whether actual,
alleged, consequential or punitive. The issuer of the
policy/administrator makes no guarantees or representations as to,
and shall have no liability for, any electronic content delivered by
any third party, including, without limitation, the accuracy,
subject matter, quality or timeliness of any electronic content. By
creating a link to a third-party website, the issuer of the
policy/administrator does not endorse or recommend, or represents to
endorse or recommend, any products or services whatsoever on that
web site. The use of the information, material, views and opinions
contained in the linked third-party web site is at own risk and the
issuer of the policy/administrator disclaims any responsibility and
liability for any loss or damage suffered as a result of the
improper use of any information, material, views or opinions
contained in the linked third-party website or as a result of any
decisions whatsoever taken by anybody without proper financial,
investment, tax, legal, accounting, retirement or other professional
or other advice. |
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Investment Returns
The simulated investment returns used in any graphs have inherent
limitations. Experience has taught that there are frequently sharp
differences between simulated investment returns and actual returns
achieved by the actual implementation of an investment strategy and
structure. There are numerous factors related to financial markets
in general or to the implementation of a specific investment
strategy and structure that cannot be fully accounted for in the
preparation of the simulated returns used in graphs, all of which
can adversely affect the actual returns in the event of the actual
implementation of the investment solution. |
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The value of any investment and specifically the value of the
investments discussed in the site can go up as well as down, as a
result of changes in the values of the underlying investments or in
the exchange rates of currencies. Past investment returns or
portfolio benchmark returns are not necessarily indicative of future
returns. |
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Unauthorised Use
Unauthorised use of the issuer of the policy/administrator’s site
and systems, including but not limited to unauthorised entry into
the issuer of the policy/administrator’s computer systems, misuse of
passwords or the misuse of the information and material is strictly
prohibited and forbidden. Any action contravening this prohibition
may result in criminal or civil legal liability. |
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If any of the terms, conditions or
provisions of this Agreement are held to be unenforceable, the remaining terms
and provisions shall be unimpaired and the unenforceable term or provision shall
be replaced by such enforceable term or provision as comes closest to the
intention underlying the unenforceable term or provision. This Agreement shall
be subject to any other agreements entered into with the issuer of the
policy/administrator. |
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By
clicking on
YES
the user or viewer agrees that he or she: |
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has carefully read the terms and conditions of this legal notice; and |
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fully understands and appreciates the contents thereof; and |
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unequivocally agrees to be legally bound by the terms and conditions of
the legal notice; and |
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will not engage in any activities related to the site that are contrary
to applicable laws, regulations or the terms of any agreements with Investment
Solutions; and |
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in circumstances where locations of the site require identification for
access, will establish commercially reasonable security procedures and controls to
limit access to his or her password or other identifying information to
authorized individuals
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