Eligibility

To use this service, you must be legally able to enter into binding agreements under South African law. If you are under 18, parental consent may be required.

User responsibilities

Using our platform means accepting certain obligations and understanding your role in safeguarding your data and actions. Please review these responsibilities carefully.

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  You are responsible for ensuring that any information you provide is accurate and up-to-date. False data can impact your results and may lead to restriction of access.

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  Keep your login credentials confidential. You are liable for all activities carried out under your account unless reported as compromised.

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  Follow all relevant laws, including data privacy and retirement planning regulations, when using our service.

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  Immediately notify us of any unauthorized use of your account or suspicious activities you notice.

Definitions

Before using our service, it’s important to understand certain key terms. This section defines how we use language throughout these terms and conditions, ensuring clarity and avoiding misinterpretation.

Intellectual property

All content on this website, including analysis tools, reports, and materials, is protected by intellectual property law. You may use information strictly for personal reference. Copying, republishing, or commercial use without permission is prohibited.

User content

You remain responsible for any content or information you provide, ensuring it is lawful and does not violate third-party rights or applicable laws.

Privacy

Your personal data is collected and processed according to our privacy policy. We do not sell information and maintain security and confidentiality in line with South African regulations.

View our privacy policy

Disclaimer

Our platform offers analytical tools and general pension guidance. No guarantees are made regarding outcomes, and results may vary depending on personal circumstances, market factors, and changes in legislation.

Limitation of liability

The service operator is not liable for losses, damages, or missed opportunities that may result from your use or reliance on platform content. Use information at your own discretion and risk.

Indemnification

You agree to indemnify and hold harmless the service operator and its team from any claims, damages, or losses resulting from your breach of these terms, misuse of the platform, or violations of applicable laws or regulations.

Arbitration agreement

Disputes not resolved by negotiation may be referred to arbitration in South Africa. Both parties agree to an independent, impartial process, with the arbitration outcome binding except where prohibited by law. Costs are typically shared, unless otherwise decided.

Arbitration does not restrict your right to pursue remedies through South African courts in certain cases as allowed by local laws.

Online dispute resolution

If you are a South African consumer and wish to resolve a dispute online, you may use recognized South African dispute resolution services as outlined by local consumer protection authorities.

Consumer protection resources

Governing law jurisdiction

These terms are governed by the laws of South Africa. Any legal disputes or claims arising from use of this service will be resolved in accordance with South African law. Users outside South Africa are responsible for complying with their own local laws.

Termination of use

We reserve the right to terminate or restrict your access if you breach these terms, misuse the platform, or for other valid reasons. Termination may result in deletion of your account and loss of access to services.

Modifications

We may update or change these terms at any time, usually to reflect new laws or service adjustments. Material changes will be posted here and take effect immediately unless stated otherwise. Continued use means you accept any updates.

Severability

If any part of these terms is found to be unenforceable or invalid, the remainder will still apply. This protects the overall structure and enforceability of these conditions.

Entire agreement

These terms and any referenced policies constitute the complete agreement between you and the service operator. They supersede all prior agreements, representations, or discussions regarding your use of the platform.

Contact us

Questions about these terms, or issues with how your data is handled? Reach out to our team for clarifications. We respond with direct, clear information within a reasonable timeframe and will address any legitimate concerns you raise.