Welcome to the Alexander Forbes Investments 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.
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").
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.
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..
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
By clicking on YES the user or viewer agrees that he or she:
has carefully read the terms and conditions of this legal notice; and
fully understands and appreciates the contents thereof; and
unequivocally agrees to be legally bound by the terms and conditions of the legal notice; and
will not engage in any activities related to the site that are contrary to applicable laws, regulations or the terms of any agreements with Alexander Forbes Investments; and
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