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Terms of Use

As at 23 August 2020

Disclosure Clause

NESS Consulting Services Pty Ltd “NESS” is a licensed Financial Services Provider (FSP) as defined in the Financial Advisory and Intermediary Services Act (FAIS). FAIS requires that anyone who makes any recommendation, guidance or proposal of a financial nature must be a duly authorised representative of a licensed FSP. If you are seeking financial advice or if you feel that an email constitutes financial advice, or if the author of an email wants you to purchase, amend or cancel a policy, please check with the author that he/she is a licensed FSP.

Reg. No: 2005/020315/07
FSP No: 22576

Disclaimer and Confidentiality Clause

The disclaimer is enforceable and binding on the recipient/addressee of an e-mail in terms of section 11 of the Electronic Communications and Transactions Act, 25 of 2002. NESS reserves the right to read, monitor, access, block, delete, copy or otherwise intercept any e-mail sent in reply to an e-mail from NESS or any of its employees.

This message and any attachments hereto are intended for the sole purpose and / or use of the intended recipient or an authorized representative. It contains confidential information that and may be subject to legal privilege and client confidentiality. Should you not be the intended recipient, kindly advise the sender immediately by email or facsimile and destroy the message and any other copies.

Any views expressed in an e-mail are those of the individual sender and not necessarily of NESS. In particular no representative or employee of NESS may send:

  • Unsolicited commercial messages (“Spam”); or
  • Messages that infringe any third parties copyright, trademarks or other rights and interests (“Infringing content”); or
  • Messages containing content that is offensive, derogatory, racist, defamatory or otherwise unlawful (“Offensive content”).

Internet communications cannot be guaranteed to be secure or error-free as information could be intercepted, corrupted, lost, destroyed, arrive late or incomplete or contain viruses. Therefore NESS cannot accept responsibility and is not liable whatsoever for any loss or damage resulting directly or indirectly from the transmission of an e-mail. In terms of section 86 (1) of the Electronic Communications and Transactions Act, 25 of 2002 a person who intentionally intercepts any data without authority or permission to do so, is guilty of an offence.

This disclaimer is governed by the laws of the Republic of South Africa and shall be deemed to supersede any terms contained in any e-mail received by FMI, insofar as these conflict with the disclaimer.

Website Disclaimer

The material contained in these web pages is provided for general information purposes only.

While we have taken every care and effort to ensure the accuracy of the information provided, we (NESS) make no representation and gives no warranty, whether express or implied, relating to the correctness of the information in these web pages. We accept no responsibility for, and the user indemnifies us harmless from, any loss, liability, damage or expense of whatsoever nature (including but not limited to direct, indirect and consequential loss), arising from reliance on information contained in these pages, or otherwise connected with the information in these pages [whether arising from breach of contract (fundamental or otherwise), delict, negligence, gross negligence or otherwise].

The content of this site is provided “as is” without any warranty of any kind, express or implied. We are not responsible for any content posted by any user of this service. Any opinion expressed by a user does not necessarily represent our opinion. No use of, or reliance on, any materials included in this site shall be deemed to give rise to a Physician-Patient or Insurance Agent-Client relationship. No material included in this site shall be deemed to present the only or necessarily the best method or procedure with respect to a matter discussed on this service; rather, any such material shall be acknowledged as the approach or opinion of the discussing party only.

Except where otherwise stated, we own the copyright of all site contents. No part of the site contents may be reproduced or transmitted or reused or be made available in any manner or any media, unless prior written consent has been obtained from us.

In the event of any dispute of whatever nature arising as a result of the use of the information on these web pages, the user (including user’s resident outside the Republic of South Africa) accepts that the law of the Republic of South Africa shall apply.

Your rights with regards to your information:

Subject to any conditions or requirements set out in the relevant legislation and/or regulations, you may have some or all of the following rights in relation to the personal information we hold about you:

  • You can request a copy of your personal information held by us
  • You have the right to correct any inaccurate or incomplete personal information held by us
  • You have the right to request that we erase personal data we hold about you
  • You have the right to have your personal data transferred to another organisation except where this is done in order to provide products and services to you
  • You have a right to complain about any matter that may arise from handling of your personal information