The purpose of this website is to provide Internet users with information about the companies within the Jacques Malan Consultants & Actuaries (Holdings) (Pty) Ltd group (“JMCA”), their products and services. Use of this website indicates that the Internet user hereby understands and accepts the following:
1. Nature of website content
- Information contained on the website is intended to serve as general information on the chosen subjects and not as an exhaustive treatment of those subjects.
- JMCA has in good faith provided links to third party websites that would appear useful to its readers. These links are provided for convenience only, and may be discontinued at any time. The contents on linked websites are not under our control and we are not responsible for it. Therefore, before making any decision or taking any action based on any contents of the website that may affect your personal finances or business, you should first obtain accounting, tax, legal, investment, exchange control, or other professional advice.
- All information available on this website, including information on products and services, and their terms and conditions, is subject to change without notice.
2. No warranties
- JMCA has taken all reasonable steps towards ensuring that information on this website is current and accurate, it cannot however warrant the accuracy of information or that it is current.
- JMCA does not warrant, guarantee or make any representation regarding the security, compatibility, reliability, accuracy, correctness or completeness of this website content.
- JMCA has taken all reasonable steps to guard against viruses or destructive code, it cannot however give any warranty that the site is free of viruses or any other data or code that has the ability to corrupt or affect your system.
- Use of this website is entirely at the user’s own risk.
3. Restricted use
- Unless otherwise noted, the content of this website is subject to intellectual property rights that vest in JMCA. You are thus prohibited from using the content contained in web pages, electronic or written publications or any other media and/or words, phrases, names, designs or logos that are JMCA trademarks without the express written permission of JMCA.
4. Electronic transactions, communications, and records
- When you visit the website or send email to JMCA you consent to receive communications from JMCA electronically. You thereby agree that all agreements, notices, disclosures, and other communications sent by JMCA satisfy any legal requirement that such communications should be in writing.
- You accept the risks associated with an electronic communication medium.
- You authorise JMCA to act on the information you send to JMCA electronically.
- You understand that all records will be stored electronically by JMCA, and agree that such electronic records will constitute proof of the contents of such records in a court of law unless you prove otherwise.
- Any email communication sent to you will be deemed to have been received by you upon dispatch by JMCA.
5. Privacy policy
- Your privacy is important to JMCA. Personal information transmitted to JMCA will be treated as confidential.
6. No liability
- JMCA is not liable for any damages whatsoever relating to your use of this site in any manner. This includes, but is not limited to, any direct, indirect, special, incidental, punitive or consequential loss, whether in contract, statute or delict that may arise from information made available on these pages, and actions, transactions or omissions resulting from the information contained on this site.
- JMCA will not be responsible for any interruption, delayed or failed transmission, loss of programs or other data, or the storage or delivery of information resulting from whatsoever cause.
- Information provided does not constitute advice as defined in the Financial Advisory and Intermediary Services (FAIS) Act. It is the user’s responsibility to seek professional advice to ascertain whether any information obtained from this site is suited to his/her personal circumstances.
7. Breach
We reserve the right to -
- refuse further access to the website if (a) you breach any of the terms of use applicable from time to time; (b) we are unable to verify or authenticate any information you provide to JMCA; or (c) we believe that you are conducting activities that are illegal, abusive, attack the integrity of the website, or put JMCA in disrepute;
- refer any breach to the police if such breach constitutes a crime;
- claim damages for all loss and damage we suffer, and expenses we incur, as a result of a breach.
8. Indemnity
- You agree to indemnify and hold harmless any member of the JMCA Group and its respective directors, officers, employees, agents, licensors, suppliers, and any third party information providers from and against all losses and expenses (including attorney-and own client costs), resulting from any violation of these terms of use by you.
9. Governing law
- This website is governed by South African legislation and it is subject to the jurisdiction of South African courts.
