Terms of Access and Disclaimers


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.