Terms and conditions


STANLIB Wealth Management (Pty) Limited (Reg. No. 1996/005412/07). STANLIB Asset Management (Pty) Limited (Reg No: 1969/002753/07) (“STANLIB”) maintains and owns this site (the “site”) and the services and products (the “services and products”) applicable hereto.

All references in these Terms & Conditions to "us", "we", "our" or "STANLIB" are also deemed to include, unless stated otherwise, STANLIB Wealth Management (Pty) Limited, STANLIB Asset Management (Pty) Limited and / or STANLIB Collective Investments (RF) (Pty) Limited ('STANLIB').

These conditions become effective when you access the site for the first time and constitute a binding agreement between us, STANLIB Wealth Management (Pty) Limited, STANLIB Asset Management (Pty) Limited and / or STANLIB Collective Investments (RF) (Pty) Limited ('STANLIB') and yourself, which will always prevail. The current version of these conditions will govern our respective rights and obligations each time you access this sit time of any visit to this site. You agree to view the current version each time you access the site.

A certificate signed by the administrator responsible for maintaining this site will be prima facie proof of the date of publication and content of the current version and all previous versions of the conditions.

If you do not agree to these Terms & Conditions, please do not make use of this site.

Nature of information on the site

All information on this site is only intended to provide you with general information about us, our products, services and objectives. Nothing on this site should be treated as an offer but merely as an invitation to do business with us. All information is provided "as is" and should not be treated as professional or investment advice of any kind. You should consult your own professional advisers before relying on any information on this site.

Please remember that there are risks associated with investments in financial products / markets such as political, currency, regulatory, market, settlement, premium and taxation risk and past performances are not necessarily indicative of future performances. If you act on any of this information, you do so at your own risk. Neither STANLIB nor its representatives did a full needs analysis for you and you understand that there may be limitations on the appropriateness of the information provided and that you should take particular care to consider on your own, whether an investment in a financial product is appropriate considering your unique objectives, financial situation and particular needs.

The following STANLIB companies are authorised Financial Services Providers in terms of the Financial Advisory & Intermediary Services Act, 2002: STANLIB Asset Management (Pty) Limited (Licence No. 26/10/719); STANLIB Wealth Management (Pty) Limited (Licence No. 590).

Amendments to these conditions

We may amend these conditions from time to time. By accessing this site you are bound to the version of the conditions published here at the time of any visit to this site. You agree to view the current version each time you access the site.

You acknowledge that we may amend these Terms & Conditions from time to time, at our sole discretion. If we elect to amend these Terms & Conditions, the revised version will be posted on this site. You undertake to check this site regularly for any changes we may have made since your last visit to this site, since any such changes will be binding on you. By using this site after we have changed or amended these Terms & Conditions, you acknowledge that you will be accepting those changes or amendments.

Information feeds

We may use the services of other organisations to provide information on the site. We have no control over this information and make no representations or warranties of any nature as to its accuracy, appropriateness or correctness. You agree that such information is provided "as is" and we will not be directly or indirectly liable for any damages that may arise from your reliance on it. All quotes, news, market information or data shown on the site by way of live information feeds are delayed by at least 15 minutes unless otherwise stated. You should always select the "refresh" or similar page update function on your Internet browser to ensure that the information you are viewing is the most current.

Links third party sites

This site may contain links to other websites with information and material produced by other parties. While we try to provide links only to reputable websites, we cannot accept responsibility or liability for the information provided on other websites. A link from our site to any other website does not mean that we have scrutinised or endorsed the owners or administrators of the websites or their business or security practices and operations.

Links to third party websites are provided only for your convenience and you remain solely responsible for complying with the terms and conditions applicable to such third party websites.

Permission for hyperlinks, deep linking, crawlers and metatags

Nobody may establish a hyperlink, frame, metatag or similar reference, whether electronically or otherwise (collectively referred to as linking), to this site or any subsidiary pages before receiving our prior written approval, which may be withheld or granted subject to the conditions we specify from time to time.

An application for linking must be submitted to contact@stanlib.com. Once received we will do our best to respond and enter into further discussions with you. If you don't get a written response from us within five business days, consider your request as having been rejected.
Breach of these conditions entitles us to take legal action without prior notice to you and you agree to reimburse the costs associated with such legal action to us on an attorney and own client scale.

Our intellectual property

We retain all copyright and other intellectual property rights in all material, including logos and other graphics and multimedia works published on or via the site.

The logos and trademarks shown on this site are our registered and unregistered trademarks or that of third parties. Nothing on this site should be construed as granting any licence or right to use any trademark without our prior written permission and / or that of third parties, as the case may be. You may not, without our prior written permission, use the intellectual property or that of third parties.

Irrespective of the existence of copyright, you acknowledge that we are the proprietor of all material on the site, whether it constitutes confidential information or not, and that you have no right, title or interest in any such material.

Personal information, security and privacy

STANLIB undertakes to only process your personal information as permitted by law or when STANLIB is required by law to collect and process the Client’s personal information.
STANLIB may also process or share the Client’s personal information if required for the purposes of law enforcement or to combat money laundering and fraud.

You agree that STANLIB, its representatives, contracted third party service providers and any appointed financial adviser(s), including those in foreign jurisdictions, may collect, use, disclose or otherwise process the Client’s personal information for the purposes of providing you with products and/or services which the Client has requested from STANLIB. At certain times STANLIB may send you information about STANLIB products and services.

Acceptance of these terms and conditions is voluntary, but without the Client’s personal information as required by this application form STANLIB will be unable to provide products or services to the Client.

STANLIB will take reasonable steps to ensure that all personal information will be kept secure and confidential, whether processed by STANLIB or third parties, and will only be kept for as long as required or prescribed.

Transmission of information

Information transmitted via an unsecured link over the Internet, including email, is susceptible to potential unlawful access, distortion or monitoring. As we do not have the ability to prevent unlawful activities by unscrupulous persons, you accept that we cannot be held liable for any loss, harm or damage suffered by you as a result. To limit these risks, we may request independent verification of any information transmitted by you via the site or email from time to time.

Termination, suspension and limitation

We may modify, suspend or discontinue the site, whether temporarily or permanently, without notice. We may also impose limits or conditions on the right to certain services, features or functions and we may restrict access to parts of or all of the services on the site.

No warranties or representations

We do not warrant that the site or STANLIB Online will be error-free or will meet any particular criteria of accuracy, completeness or reliability of information, performance or quality. We expressly disclaim all implied warranties, including, without limitation, warranties of merchantability, title, fitness for a particular purpose, year 2000-compliance, non-infringement, compatibility, security and accuracy.