Disclaimer
Terms of Access and Disclaimers
General
This website is intended for general information purposes
only. It is not intended to provide investment, financial or other advice, nor
to make any recommendations regarding the suitability, for any particular user,
of any services offered by Spirit Invest or any related entity, -party or
-person.
The information contained in these pages does not constitute
an offer of or an invitation to apply for any Spirit Invest product or service
in any jurisdiction where such offer or invitation is unlawful or any
jurisdiction in which Spirit Invest is not permitted to make such offer or
invitation, or to persons to whom it is unlawful to make such offer or
invitation. Users resident outside the Republic of South Africa are advised to
consult with their legal advisor.
All information regarding the products and services,
including information in respect of their terms and conditions and any other
information is subject to change without notice.
Limitation of Liability
The Website and all content on the Website, including any
amendments and additions are provided on an “as is” basis, and may include
inaccuracies or typographical errors. The Owners make no warranty or
representation as to the availability, accuracy or completeness of the content.
The information appearing on these pages is made available
without a representation or warranty whatsoever, whether expressed or implied. Spirit
Invest accepts no liability whatsoever for any loss, whether direct, indirect
or consequential, arising from information made available on these pages and
actions or transactions resulting there from.
Neither Spirit Invest nor any affiliate shall be held
responsible for any direct or indirect special, consequential or other damage
of any kind whatsoever suffered or incurred, related to the use of, or the inability
to access or use the Content or the Website or any functionality thereof, or of
any linked website, even if Spirit Invest is expressly advised thereof.
Part of the information contained in these sites is supplied
by various third parties. The receipt of such information is dependent on such
third parties and complex infrastructures for delivery over which we have no
control and accordingly shall not accept liability for losses of any nature
arising out of delays or failures in the delivery of such information. Linked
sites are not under our control and we are not responsible for their contents
or the contents of any further links contained in linked sites.
Spirit Invest also makes no warranty or representation,
whether express or implied, that the information or files available on this
website are free from errors, viruses, destructive materials or any other data
or code which is able to corrupt, compromise, jeopardise, disrupt, disable,
harm or otherwise impede in any manner the operation of a computer system,
computer network, hardware or software. By accessing this website, you accept
all risk associated with the existence of such viruses, destructive materials
or any other data or code which is able to corrupt, compromise, jeopardise,
disrupt, disable, harm or otherwise impede in any manner the operation or
content of a computer system, computer network, hardware or software.
Copyright and Intellectual Property rights
Content displayed on this Website is provided by Spirit
Invest, its affiliates or other third-party owners of such content, and
includes but is not limited to Literary Works, Musical Works, Artistic Works,
Sound Recordings, Cinematograph Films, Sound and Television Broadcasts,
Program-Carrying Signals, Published Editions and Computer Programs (“the Content”).
The Content, and the compilation of the Content, are the property of Spirit
Invest, its affiliates or the third-party owner of such rights (“the Owners”),
and is protected by South African and international copyright laws. All rights
in and to the Content is reserved and retained by the Owners. Except as
specified in these Terms and Conditions, the User is not granted a license or
any other right including without limitation under Copyright, Trademark, Patent
or other Intellectual Property Rights in or to the Content.
Governance and compliance section
Spirit Invest Fiduciary Services is governed by a raft of
legislation including: the Administration of Estates Act (1965), the Wills Act
(1953), the Intestate Succession Act (1987), the Income Tax Act, the Estate
Duty Act, the Property Law Act, the Maintenance Act and the Customary Marriages
Act. Thus, it is critical for us to remain abreast of all relevant legislation
and regulation, not only for purposes of compliance, but to ensure that our
clients receive the highest levels of service.
In this regard, we are guided by the principles, ethos and
objectives espoused by the Fiduciary Institute of Southern Africa. We support
fully, endorse and subscribe to FISA’s core ethical principles, namely:
Integrity and Diligence. We undertake to uphold these principles in all our
business actions and relationships.
We adhere to FISA’s principles of integrity which requires,
“complete honesty, fairness, objectivity, independence of thought and behaviour
and an avoidance of, or, if unavoidable and appropriate, proper behaviour with
regard to conflicts of interest.”
Further, Spirit Invest subscribes fully to the core
principle of diligence which requires “knowledge, competence, confidentiality,
and personal financial stability.”
Spirit Invest’s administrators are members of FISA are bound
by and committed to uphold these principles in general and through adherence to
the specific provisions of the Institute’s Code of Conduct.