DWD FINANCIAL PLANNERS — WEBSITE DISCLAIMER

General Information

This website is intended for general information purposes only. The content on this website does not constitute financial, investment, tax, legal or any other form of advice. Nothing on this website should be regarded as a recommendation regarding the suitability of any product, service, investment, financial plan, insurance policy, retirement vehicle, or strategy for any particular individual.

DWD Financial Planners makes no warranty or representation, whether express or implied, that the information, tools, calculators, or files available on this website are free from errors, inaccuracies, omissions, viruses, malware, destructive code or any data that may corrupt or impact the operation of your computer system, device or software. By using this website, you accept all associated risks.

All information appearing on this website is provided “as is” without any representation or warranty whatsoever. DWD Financial Planners accepts no liability for any loss, whether direct, indirect, consequential or incidental, arising from the use of or reliance on the information displayed on this website.

All product and service information, including terms and conditions, features and benefits, is subject to change without notice.

Some information on this website may be supplied by third-party providers. DWD Financial Planners is not responsible for delays, failures, inaccuracies or interruptions caused by third-party systems, networks or data feeds.

Nothing on this website constitutes an offer, solicitation, or invitation to apply for any financial product or service in any jurisdiction where such communication would be unlawful.

Users located outside the Republic of South Africa must ensure that accessing this website complies with their local laws and regulations.

Linked third-party websites are not under the control of DWD Financial Planners, and we are not responsible for their content, accuracy, security or any further links contained within them.

Jurisdiction

This website is governed by the laws of the Republic of South Africa.
The South African courts will have exclusive jurisdiction over any dispute arising from or relating to this website, its content or its use.

If any part of these terms is found to be invalid or unenforceable, the remaining terms shall remain fully effective and enforceable.

FAIS Disclosures & Conflict of Interest

DWD Financial Planners is an Authorised Financial Services Provider (FSP No. 46313).

In terms of the Financial Advisory and Intermediary Services Act (FAIS), authorised financial services providers are required to implement and maintain a Conflict of Interest Management Policy.
This policy outlines the processes and controls for identifying, managing and mitigating both personal and business conflicts of interest.

We:

  • maintain strict controls around conflict management
  • enforce disclosure, approval and monitoring procedures
  • comply with the Prevention and Combating of Corrupt Activities Act (Act 12 of 2004)
  • apply limits and reporting requirements to all gifts, hospitality, and benefits received or offered
  • prohibit staff from engaging in any corrupt, dishonest or unethical activities

Our Conflict of Interest Policy is available on request from our office.

Anti-Money Laundering & Counter-Terrorist Financing

As an “accountable institution” under the Financial Intelligence Centre Act (FICA), DWD Financial Planners is legally required to:

  • verify the identity of all existing and prospective clients
  • perform ongoing client due-diligence
  • maintain updated, accurate FICA documentation
  • monitor transactions and report suspicious activity
  • comply with the Protection of Constitutional Democracy Against Terrorist and Related Activities Act (Act 33 of 2004)

Where necessary, we may request additional documentation to fulfil our regulatory obligations or to perform our contractual duties.
All documentation is retained securely and strictly for compliance purposes.

Investment, Risk & Product-Related Disclosures

Investments, retirement funds, life policies, tax-free accounts, and other financial products carry risks. Values may go up or down, and past performance is not a guarantee of future results.

Before acting on any information found on this website, users should obtain professional advice from a licensed financial advisor, accountant, tax practitioner, attorney or another qualified professional.

Foreign & Cross-Border Investment Risks

Certain investment products may include foreign exposure. These investments may carry additional risks, including but not limited to:

  • exchange-rate fluctuations
  • liquidity constraints
  • political or regulatory changes
  • tax implications
  • market information limitations

Investors may experience capital gains or losses as a result of currency movements or foreign market volatility.

General Investment Risk Warning

You should not rely on the information contained on this website as financial advice.
DWD Financial Planners strongly recommends seeking personalised advice based on your specific financial situation, objectives, risk tolerance and investment horizon.

Third-Party Product Provider Disclosures

Where DWD Financial Planners distributes or advises on financial products from insurers, investment platforms, retirement fund administrators or collective investment scheme managers:

  • the product provider remains responsible for the portfolio or fund
  • fees, charges and commissions vary depending on the product
  • fact sheets, minimum disclosure documents (MDDs), and fund information from the product provider should be consulted

All official product documentation is available from the relevant provider or upon request.

No Advice Disclaimer

Unless expressly stated otherwise in writing, nothing on this website constitutes financial advice as defined in the FAIS Act.
Any user requiring financial advice should contact:

  • a certified financial planner
  • a licensed financial services provider
  • a professional advisor of their choice

Money Market & Cash Investment Disclaimer

Money market and cash-type investments:

  • are not the same as bank deposits
  • may experience changes in daily yield
  • may experience capital losses in extreme cases
  • may be subject to liquidity constraints during high withdrawal periods

Where liquidity pressures arise, withdrawal instructions may be delayed or phased.

Important Notice

By accessing this website, you acknowledge that:

  • you have read and understood this Disclaimer
  • you accept all terms and conditions contained herein
  • you understand that the use of this website is entirely at your own risk