The below terms and conditions apply to anyone who accesses the Adviceworx website and it will govern your rights and obligations each time you access the Adviceworx website. By using this website, you warrant that you have the necessary legal capacity to enter into and be bound by these terms and conditions, and it means that you understand, accept and agree to comply with these terms and conditions

General

• Adviceworx may change the information on the website at any time without notice. Please check our website regularly to ensure that you are aware of any changes which may affect you.
• Adviceworx may impose limits or conditions on certain services, features or functions, restrict access to any part of the services or all the services on this site, or modify, suspend or discontinue this site, whether temporarily or permanently without notice
• Should you use the Adviceworx website without proper authorisation, misuse passwords or information, or breach these terms and conditions, it may result in criminal or civil legal liability on your part and you may be held liable by Adviceworx for any liabilities, losses or expenses incurred by Adviceworx. If your actions constitute a crime, Adviceworx reserves the right to refer the matter to the relevant authorities.
• Adviceworx reserves the right to refuse you access to the website if you breach any of the terms and conditions applicable to the website.
• A subscription to any service or product through the Adviceworx website is subject to Adviceworx’s contractual terms and conditions and any applicable legislation.
• If you have any comments or queries about the website specifically or you want to bring incorrect information on the website to our attention, please email us at service@adviceworx.co.za.

Information on services and products

The information and content provided on our website is for the purpose of providing you with information about Adviceworx, the services that we render, financial products and matters of interest, in general. This information is not intended and does not constitute advice (as defined in the Financial Advisory and Intermediary Services Act, 37 of 2002), a recommendation, guidance or a proposal as to the suitability of any financial product in respect of any financial need you may have.

Any information, any opinion or view on our website is not a solicitation, invitation or offer by Adviceworx to enter into any transaction. It should also not be considered as investment, legal, tax, retirement, financial or any other advice or service.

Any calculators, financial planning tools or other tools made available on our website, should only be viewed as a guideline. The accuracy and completeness of the results of these tools cannot be guaranteed and Adviceworx will not be liable for any inaccuracies or action taken, e.g. entering into a financial product, based on these results.

You should obtain independent professional advice before taking any action based on the information, opinions or views on our website. That also applies to any information, opinions or views displayed on a third party website which may be accessed through a link on our website.

Any investment performance displayed on the Adviceworx website is for illustrative purposes only. The value of any investment 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.

The services and products available on the Adviceworx website are only available to persons who reside in, or are nationals of, or are incorporated under the laws of the Republic of South Africa. If you are unsure if you meet this requirement, please consult your legal or financial advisor.

Indemnity

We have made every effort to ensure that the information on the Adviceworx website is accurate and up to date, and that our website or any hardware on which it is stored, is virus free. However, we do not guarantee that the content of the Adviceworx website is appropriate or suitable for any particular purpose, that it is complete or accurate, or that our website or the hardware on which it is stored is free of viruses and other harmful code which may affect your system.

All information is provided without any express or implied guarantee of any kind. Your use and reliance on the information, products or services contained on this site are entirely at your own risk. Adviceworx, including its directors, officers, employees, agents, licensor, suppliers and third party information providers, will not be liable for any damages or loss that may arise from the use of, or the inability to use (which includes but is not limited to any interruption, malfunction, downtime or other failure of the website or online services, delayed or failed transmission or the loss of data or programmes), the Adviceworx website or the breach of these terms and conditions. This includes, but is not limited to, any direct, indirect, special or consequential loss suffered by you or any third party that may arise, directly or indirectly, as result of the use of, or reliance upon, any content displayed on the website or the breach of these terms and conditions.

Security

We are dedicated to ensuring that the Adviceworx website is secure, however, we cannot provide a guarantee with regards to the security of this site. Any information transmitted through an unsecured link over the internet is subject to possible unlawful access and monitoring. Adviceworx cannot be held liable for any loss, damage, or costs that could result from interception by third parties of any information made available via this site or information intercepted through unlawful access.

Copyright

This website and its content are owned by Adviceworx or third parties and are protected by copyright. Information may only be copied, reproduced, displayed, modified, distributed or used with the prior written consent of Adviceworx or the copyright owner. You may not decompile or reverse engineer the website or related software. You may also not post or transmit to the website any unlawful content, use the website in a manner that could damage or interfere with the Adviceworx servers, networks or content displayed on the website, or gain unauthorised access to the information or restricted areas on the Adviceworx website or systems.

Third party websites

For your convenience, Adviceworx may provide links to third party websites, which links we may remove at any time. The information and content displayed on such third party websites are not under Adviceworx’s control and we cannot accept responsibility or be held liable for any information or content displayed on these third party websites or for any loss you may suffer as result of using or relying on the website, its information or content. You access and use these third party websites entirely at your own risk.

We also do not necessarily endorse, recommend, support, authorise or sponsor the website owners, sponsors or the information, products or services offered on those websites.

Third party websites may collect personal information about you when you access their websites. Please ensure that you familiarise yourself with the relevant privacy and security policies relevant to those websites.

Also please ensure that you obtain professional advice before using or relying the information displayed on the third party websites.

Should anyone wish to establish a hyperlink, frame, metatag or similar reference, whether electronically or otherwise, to the Adviceworx website, Adviceworx’s prior written permission must be obtained. It is in our sole discretion to grant such permission or to grant permission subject to conditions specified by Adviceworx.

Privacy

Any personal information that you share with Adviceworx will be treated in accordance with the Adviceworx Customer Privacy Notice.

Your Rights: Access to information

You have the right to request a copy of the personal information we hold about you. To do this, contact us at the numbers/addresses listed below and specify what information you would like. We will take all reasonable steps to confirm your identity before providing details of your personal information. Please note that any such access request may be subject to a payment of a legally allowable fee.

Usernames and passwords

If any product or service on this website require a username and a password, you are responsible for maintaining the confidentiality of your username and password and the activities that occur on your account (either with or without your knowledge). You are obliged to notify Adviceworx immediately of any unauthorised use of your username and password or any other breach of security. You may be held responsible for any losses or damages suffered by Adviceworx or a third party as a result of the use of your username and password by someone else.

Mobile devices

If you are using a mobile device to access the Adviceworx website, the functionality and use of device is outside our control and Adviceworx does not accept any responsibility for a lack of functionality, capability or reliability of your mobile device or software to access the website.

Jurisdiction

This website is governed by South African legislation and it is subject to the jurisdiction of South African courts.