A fresh and innovative take on financial services.

DISCLAIMER

No advice, financial advice or solicitation (own reliance)

While Reflect Financial Services (comprising Reflect Brokers (Pty) Ltd and Reflect Asset Management (Pty) Ltd - an authorised FSP) and its associates makes every effort to ensure that the information contained on the website is accurate, nothing contained on the website should be construed as any form of formal advice or as an offer of solicitation in relation to any financial services products. You undertake not to rely on the information provided on the site as the sole criterion in taking decisions or actions that may influence your financial position, but to exercise your own skill and judgment in placing reliance on the information and to consult an expert or professional where necessary. You accordingly acknowledge and agree that your use of the website and your use of the reliance of the data or any part thereof is at your own risk. You remain solely responsible for your instructions, and the lawfulness and soundness of any decision you make or action you take as a result of your use of the website. You also remain responsible for ensuring adequate protection and back – up for information downloaded from the website and for taking reasonable and appropriate precautions against viruses and other malicious programs when communicating with us via email.

Content

The author reserves the right not to be responsible for the topicality, correctness, completeness or quality of the information provided. While every effort has been made to ensure that the information provided is accurate any liability claims regarding damage caused by the use of the information provided, including any kind of information which is incomplete or incorrect, will therefore be rejected.

No Warranties

While Reflect Financial Services and its associates makes every reasonable effort to ensure that the website is available 24/7 and the information we make available via the website is reliable, complete and up-to-date or, where applicable, compiled from sources we believe to be reliable and accurate, complete and up-to-date, the website and all its contents are provided “as is”.  Reflect Financial Services and its associates makes no representations and provide no warranties or guarantees of whatever nature regarding the services of the site, their availability, quality or content. In particular, Reflect Financial Services and its associates do not warrant or guarantee:

     •     The accuracy, completeness, validity, timeliness or reliability of the website information.

     •     The error free use, secure use and or availability of the website.

     •     And Reflect Financial Services and its associates will not be liable for any loss arising from any errors or omissions in and data provided by us, or any

           other third party.


Indemnity

Without any prejudice to any of the rights of Reflect Financial Services and its associates at law or under these terms, you will have no claim against Reflect Financial Services and hereby indemnify Reflect Financial Services and its associates, its partners, employees, agents, representatives and product providers against any loss or damages of whatever nature and howsoever arising which Reflect Financial Services and its associates or any third party may suffer or incur arising out of your use of the website, including without limitation:

     •     Any breach by you of these terms and conditions including your use of the website for any purpose that is unlawful under South

           African law, international law or the law of any jurisdiction applicable to you.

     •     Any action taken by Reflect Financial Services and its associates pursuant to your instructions or instructions that purport

           to emanate from you.

     •     Any loss of business, profits, opportunity and / or data.

     •     Any action taken or decisions made by you in reliance to website information.


Reflect Financial Services and its associates will not be liable to you or any third party and you hereby waive whatever claims you may have against Reflect Financial Services and its associates, its partners, employees, agents, representatives and product partners for any expense, loss or damage of whatever nature that you may suffer or sustain as a result of or arising from:

     •     Any errors, omissions or corruption of information including any errors that may occur as a result of changes in applicable legislation

           and / or inaccuracy.

     •     Any virus or any illicit or malicious computer system programme that attaches itself to and infects, corrupts or destroys other

           programs or systems.

     •     Any unauthorized access by third parties to the website, services or data or the interception of communications between us.


REFLECT FINANCIAL SERVICES LEGAL DOCUMENTS


FSP License Certificate

To view our FSP License Certificate please click here and Annexure to our License detailing the license sub-catogories we are licensed for please click here.


Complaints Policy & Procedure

In the interest of our clients, we have implemented a formal complaints policy. This policy ensures that any complaint that you may have will be dealt with fairly and speedily.

Given the complexity of the financial services environment, we must point out that we will only be in a position to accept responsibility for such complaints as pertain directly to our service to you. In all other matters, we will endeavour to facilitate complaints that you may have by directing them to the most appropriate facility. In the event of a complaint not being handled to your satisfaction by this office, you will have recourse to the Ombudsman.

Should you require a copy of the complaints policy and procedure click here or to request a copy from our offices. please contact us on:

Tel: +27 21-974-6282

E-mail: info@reflectassetmanagement.co.za


Conflict of Interest Management Policy

Reflect Financial Services comprise Reflect Brokers (Pty) Ltd and Reflect Asset Management (Pty) Ltd - an authorised Financial Services Providers (“FSP”) in terms of Financial Advisory and Intermediary Services Act 37 of 2002 (“FAIS”). As required by FAIS, as set out in Board Notice 58 of 2010, the FSP must implement and maintain a Conflict of Interest Management Policy. Coupled with this requirement, Reflect is committed to providing financial services to clients, with integrity, honesty, transparency and in a manner that always put our client’s interests first.

Should you require a copy of our conflict of interest management policy you can request a copy from our offices.


PAIA Manual

The Promotion of Access to Information Act, No 2 of 2000 was enacted to give effect to the constitutional right of access to any information held by any private or public body that is required for the exercise or protection of any rights. Certain requirements, however, have to be met for access to any information being granted.

The Act requires that a manual be prepared to assist people in exercising their right of access to information.

To access our PAIA Manual click here or to request a copy from our offices, please send us an email to: info@reflectassetmanagement.co.za