Legal & Compliance

1. General website information

The information on this website is provided for general information and introductory purposes. It does not automatically constitute personalised financial advice, a recommendation, an offer, or an invitation to enter into a financial product or transaction.

Appropriate recommendations should follow consideration of a client’s circumstances, needs, priorities, objectives, risk profile and relevant financial position. Visitors should not make or change a financial decision solely on the basis of general website content.

2. Products, providers and documentation

Where a financial product or arrangement is considered, the applicable provider documentation, terms, conditions, eligibility requirements, exclusions, waiting periods, fees, charges, risks and other limitations apply. Clients should read the relevant documents and ask questions before making a decision.

Nothing on this website guarantees that an application will be accepted, that cover will be issued, that a claim will be admitted or paid, or that any particular product, investment or financial outcome will be achieved.

3. Investment risk

Investments can increase or decrease in value and may involve the risk of loss. Past performance is not a guarantee of future results. Returns, income, capital values and market conditions may vary, and no website statement should be understood as a promise of performance or financial result.

4. Estate, will, business, tax and legal matters

Website content relating to wills, estates, succession, business planning, tax or legal considerations is general in nature. Depending on the circumstances, clients may need advice or services from an appropriately qualified legal, tax, accounting or other specialist professional. The website does not state that Surefin personally performs those specialist services.

5. Accuracy and availability

Reasonable efforts are made to keep website information useful and accurate. Information may nevertheless become incomplete, outdated or affected by changes in law, regulation, markets, provider terms or individual circumstances. Surefin does not warrant that the website will always be uninterrupted, error-free or suitable for every purpose.

6. Third-party websites

Links to third-party websites may be provided for convenience. Surefin does not control or endorse third-party content, availability, security, products, services or privacy practices and is not responsible for a visitor’s use of those websites.

7. Intellectual property and acceptable use

Unless otherwise stated, the website’s branding, design, text, graphics and other content belong to Surefin or are used with permission and are protected by applicable intellectual-property law. Content may be viewed for personal, lawful and non-commercial purposes. It may not be reproduced, adapted, distributed, misrepresented, used to disrupt the website, or used in a way that infringes rights or applicable law without prior permission.

8. Complaints

Surefin takes complaints seriously and aims to address them fairly and appropriately. Clients may request the complaints process and the applicable contact details through Surefin’s published contact channels. Any further rights or external escalation routes will depend on the nature of the matter and the applicable legal or regulatory framework.

9. Privacy

Personal information is handled in accordance with applicable South African privacy law. Please read the Privacy Policy for more information.

10. Governing law

This website and its use are governed by the laws of the Republic of South Africa. Subject to applicable law and any mandatory dispute-resolution process, matters relating to the website will fall within the jurisdiction of the competent South African courts.

11. Contact

Questions about this notice may be directed to Surefin using the contact details published on this website.