The use of the Alexander Forbes Investments Limited website (“this site”) is subject to the terms and conditions as set out below.

By accessing the information made available by us on this site, you agree to be bound by these terms and conditions. The current version of these terms and conditions will govern Alexander Forbes Investments Limited (“Alexander Forbes Investments”) and your rights and obligations each time you access this site. We reserve the right to change information on this site at any given time without notice.

You acknowledge that Alexander Forbes Investments will use email and notices on this site, as our main communication tool for all communications relating to this site, the services accessible through this site (“online services”) or these terms and conditions.

The information contained on this site is for the purpose of providing you with general information about Alexander Forbes Investments, our products and services.

The products and services available on this site are only available to persons that reside in, or are nationals of, or are incorporated under the laws of the Republic of South Africa.

The products and services available on this site as applicable to Namibia are only available to persons that reside in, or are nationals of, or are incorporated under the laws of the Republic of Namibia.

The information on this site is not advice as defined and contemplated in the Financial Advisory and Intermediary Services Act, 37 of 2002, as amended. The information and any opinion or view contained on this site, is not a solicitation, invitation or offer by Alexander Forbes Investments to enter into any financial, investment or other transaction. Since the information contained on this site is intended to afford general guidelines on matters of general interest, neither the information nor any opinion or view is to be regarded as financial, investment, tax, legal, accounting, actuarial, retirement or other professional advice or service. You are advised to obtain independent professional advice before taking any action whatsoever based on the information, opinions or views contained on this site.

We have taken all reasonable care to ensure that the information is accurate, however, this site and the online services are provided “as is” and your use and reliance on the information contained on this site and the online services are entirely at your own risk. We do not warrant that this site or online services will be error free. To the extent that information has been provided by a third party, Alexander Forbes Investments has no control over third party information and we will not be directly or indirectly liable for any damages that may arise from your reliance on such information. You assume full responsibility for the risk of loss resulting from the use of this site and your reliance on information contained on it. Alexander Forbes Investments will not be liable for any damages whatsoever, whether direct, indirect, special, incidental, relating to your use of this site or the online services or your inability to use this site or the online services, whether such damage arose out of contract or delict or otherwise. Without derogating from the generality of the above, and to the extent legally permitted, Alexander Forbes Investments will not be liable for:

• Any interruption, malfunction, downtime or other failure of this site or online services;
• Any loss or damage with regard to your data or other data directly or indirectly caused by malfunction of Alexander Forbes Investments systems, third party systems, power failures, unlawful access to or theft of data, computer viruses or destructive codes on our system or third party systems or programming defects;
• Any interruption, malfunction, downtime or other failure of goods or services provided by third parties, including, without limitation, third party systems such as the public switched telecommunication service providers, internet service providers, electricity suppliers and certification authorities or any event over which we have no direct control.

Alexander Forbes Investments is entitled to:

• set limits or conditions on certain services; features or functions on this site;
• restrict access to any part of the services or all the services on this site;
• modify, suspend or discontinue this site, whether temporarily or permanently without notice.

The information contained on this site is provided without any representation or warranty whether express or implied and no representation or warranty is made by Alexander Forbes Investments regarding the accuracy, functionality, fit for purpose or non-infringement in connection with this site and we disclaim all liability in this regard.

Alexander Forbes Investments is dedicated to ensuring that this site is secure, however, we can provide no guarantee, warranty or undertaking in connection with the security of this site. We 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 this site.

When information is downloaded from this site, the copying, removal or obscuring of any copyright, other notices or legends contained in the information is strictly prohibited and any action contravening this prohibition may result in criminal or civil legal liability. The information is protected by copyright laws and no part of the site and the information 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 our prior written consent.

Leaving the site via a link contained herein, and viewing the content that is not provided or controlled by Alexander Forbes Investments is done at your own risk. The content of the linked site will not have been developed, checked for accuracy, or otherwise reviewed by Alexander Forbes Investments. We are 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. By creating a link to a third-party site, we do not endorse or recommend any products or services whatsoever on that site. The use of the information, material, views and opinions contained in the linked third-party site is entirely at your own risk and Alexander Forbes Investments 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 site 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.

Alexander Forbes Investments’ prior written consent is required if any third party requires to establish a hyperlink, frame, metatag or similar reference, whether electronically or otherwise, to this site. We reserve the right to withhold consent or grant consent subject to conditions specified by Alexander Forbes Investments.

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 this 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.

You acknowledge that any information transmitted through an unsecured link over the internet is subject to possible unlawful access and monitoring. You accept that Alexander Forbes Investments cannot be held liable for any loss, or damage suffered as a result of unlawful activities by unprincipled persons.

Unauthorised use of the Alexander Forbes Investments site and systems, including but not limited to unauthorised entry into our computer systems, misuse of passwords or the misuse of the information is strictly prohibited and forbidden. Any action contravening this prohibition may result in criminal or civil legal liability. You hereby warrant to us that you have the necessary legal capacity to enter into and be bound by these terms and conditions. A minor must be assisted by his/her legal guardian when reading these terms and conditions.

If any liabilities, losses or expenses are incurred by Alexander Forbes Investments as a result of your breach of these terms and conditions, you shall be liable to us.