THIS DISCLAIMER APPLIES TO YOUR USE OF WWW.OWNISHA.COM (THE “WEBSITE”), OPERATED BY OWNISHA FOR YOU FINANCIAL SERVICES (“Ownisha”, “we”, “us” OR “our”). PLEASE READ THIS DISCLAIMER CAREFULLY BEFORE USING THE WEBSITE. THIS DISCLAIMER SHOULD BE READ TOGETHER WITH OUR PRIVACY POLICY.

 

1. General Disclaimer

1.1 Ownisha has taken, and will continue to take, reasonable care to ensure that all information on this Website, insofar as this is within our control, is true, accurate and up to date. However, we do not warrant or guarantee the accuracy, adequacy or completeness of any information on the Website.

1.2 To the maximum extent permitted by law, Ownisha shall not be liable for, and hereby disclaims any liability for, any loss, liability, damage (whether direct, indirect or consequential) or expense of any nature whatsoever which may be suffered as a result of, or which may be attributable, directly or indirectly, to the use of, or reliance on, any information, links or service provided through this Website.

1.3 Nothing in this Disclaimer limits or excludes any liability that cannot lawfully be limited or excluded, including liability for gross negligence, fraud or wilful misconduct, or any rights you may have under the Consumer Protection Act, 68 of 2008, to the extent applicable.

2. This Website Does Not Constitute Financial Advice

The general information, articles, tools and content published on this Website are provided for general informational purposes only and do not constitute financial, legal, tax or investment advice as contemplated in the Financial Advisory and Intermediary Services Act, 37 of 2002 (“FAIS”).

Ownisha does not take your personal circumstances, financial situation or objectives into account when publishing general content on the Website. Before acting on any information contained on this Website, or purchasing any financial product, you should obtain personalised advice from an authorised financial services provider or financial adviser.

3. Our Regulatory Status

3.1 Ownisha For You Financial Services (Pty) Ltd, registration number 2017/225708/07 is an authorised financial services provider, FSP number 53572, licensed and regulated by the Financial Sector Conduct Authority (FSCA) in terms of FAIS.

3.2 A copy of our licence details and the categories of financial products we are authorised to advise on and/or render intermediary services in respect of is available on request, or via the FSCA’s public register at www.fsca.co.za.

4. Underwriting and Product Supplier Details

4.1 Where Ownisha renders intermediary services in respect of a financial product, that product may be underwritten, issued or supplied by a third-party product supplier or insurer, and not by Ownisha itself.

 

Product supplier / underwriter: Sanlam Life Insurance Limited

Product supplier’s FSP number: 11230

 

4.2 Ownisha acts as an intermediary in respect of these products and does not accept liability in the capacity of underwriter or product supplier.

5. No Warranty

5.1 The Website and all information, content, materials and services made available on it are provided “as is” and “as available”, without any warranty of any kind, whether express or implied.

5.2 Any warranty that would otherwise be implied by law is excluded, except to the extent that such exclusion would be unlawful.

5.3 Ownisha takes reasonable measures to protect the integrity of the Website, but does not warrant that the Website, or any files, downloads or applications available through it, are free of viruses, malware or other harmful components.

6. No Guarantee of Performance or Returns

Where the Website refers to the past performance of any financial product, this is not a reliable indicator of future performance. Ownisha does not guarantee the performance of any financial product, or that any particular financial outcome or return will be achieved.

 

7. Links to Other Websites

7.1 The Website may contain links to third-party websites. These links are provided for your convenience only. Ownisha does not control, and is not responsible for, the content, accuracy or privacy practices of any third-party website.

7.2 We encourage you to be aware when you leave our website, and to read the terms of use and privacy policy of every website you visit. This Disclaimer applies solely to this Website.

8. Intellectual Property

8.1 All content on this Website, including text, graphics, logos, and software, is the property of Ownisha or its licensors and is protected by South African copyright and trademark laws, unless otherwise indicated.

8.2 You may not reproduce, distribute, modify or create derivative works from any content on this Website without Ownisha’s prior written consent, except as permitted by law for personal, non-commercial use.

9. Governing Law

This Disclaimer is governed by the laws of the Republic of South Africa. Any dispute arising from or relating to this Disclaimer will be subject to the exclusive jurisdiction of the South African courts.

10. Changes to this Disclaimer

Ownisha reserves the right to amend this Disclaimer at any time, at its sole discretion, without notice. Any changes will be published on this Website, and your continued use of the Website after such changes constitutes acceptance of the amended Disclaimer.

11. Contact Us

If you have any questions about this Disclaimer, please contact us at info@ownisha.com.