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Terms and Conditions

1.

DISCLAIMER

• Apart from the provisions of sections 43(5) and 43(6) of the Electronic Communications and Transactions Act, neither Paul Roelofse and Associates cc nor any of its agents or representatives shall be liable for any damage, loss or liability of whatsoever nature arising from the use or inability to use this web site or the services or content provided from and through this web site. Furthermore, Paul Roelofse and Associates cc makes no representations or warranties, implied or otherwise, that, amongst others, the content and technology available from this web site are free from errors or omissions or that the service will be 100% uninterrupted and error free. Users are encouraged to report any possible malfunctions and errors to the webmaster, whose contact details are provided at the bottom of all web pages. • This web site is supplied on an "as is" basis and has not been compiled or supplied to meet the user's individual requirements. It is the sole responsibility of the user to satisfy itself prior to entering into this agreement with Paul Roelofse and Associates cc that the service available from and through this web site will meet the user's individual requirements and be compatible with the user's hardware and/or software. • Paul Roelofse and Associates cc Paul Roelofse is an Authorised Financial Services Provider - FSP License No: 12849. It is your right to know the following information: Company: Paul Roelofse and Associates - ck97/17087/23 Fax: 086 671 6461 Cellular: 082 881 4435 Email: roelofse@netactive.co.za Postal: PO Box 481 Glenvista, 2058 Physical: 19 Pietsekop St Glenvista, 2058 Qualifications: Certified Financial Planner ® Fellow of the Institute of Life and Pensions Advisors (1999) Indemnity: Yes Status: Independent Financial Advisor. More than 30% of business is conducted with Momentum Fees: Regulatory fees are applied where applicable or a consultancy fee of R750 per hour

2. SERVICES OFFERED BY US

• Risk and Investment Planning • Retirement and Estate Planning • Tax Planning and Salary Structures • Employee benefits • Business Solutions

3. GOVERNING LAW

• This site is hosted, controlled and operated from the Republic of South Africa and therefore governed by South African law.

4. PRIVACY

• Paul Roelofse and Associates cc shall take all reasonable steps to protect the personal information of Customers. For the purpose of this clause, "personal information" shall be defined as detailed in the Promotion of Access to Information Act 2 of 2000 (PAIA). The PAIA may be downloaded from: http://www.polity.org.za/html/govdocs/legislation/2000/act2.pdf

5. SECURITY

• Any person that delivers or attempts to deliver any damaging code to this web site or attempts to gain unauthorised access to any page on this web site shall be prosecuted and civil damages shall be claimed in the event that Paul Roelofse and Associates cc suffers any damage or loss.

6. GENERAL INFORMATION

• Paul Roelofse and Associates cc are registered as Paul Roelofse and Associates - k97/17087/23