Notices Terms of Use (General, Email & SMS) By using this website these Terms of Use apply to you and you agree to comply with the terms of Use. Please read these Terms of Use before using the website. Glossary Where there is referred to the website owner in this document it will mean Wikus Pretorius, a CERTIFIED FINANCIAL PLANNER® and any member of his staff and colleagues.      Important information  The terms of use set out below apply to this and all other websites owned, operated, or sponsored by the website owner – unless such other website specifically provides otherwise. By using the website these Terms of Use apply to you and you agree to comply with the terms of Use. Please check the website regularly for changes to the Terms of Use. The Terms of Use may change from time to time and the terms displayed at the time that you use the website will govern your use of the website. Please address any comments or inaccuracies contained in the website to the owner at:  info@wikuspretorius.co.za.

1. Nature of website contents

Information contained on the website is intended to serve as general information on the chosen subjects and not as an exhaustive treatment of those subjects. Calculations which may be displayed on the website are intended for the convenience of clients, may be approximations, and are intended only as guidelines. Should you wish to rely on any calculation you are advised to check the calculations before using them as the owner will not be liable for any inaccuracy in the calculation. Subscribing to any service or buying any product through the website is subject to the product providers contractual terms and conditions, and applicable legislation. Links to third party websites are provided for convenience only and may be discontinued at any time. The fact that the website provides a link to a third-party website does not necessarily mean that the owner of the website endorses, authorises, or sponsors that website, or that the website owner is affiliated to such website's owners or sponsors. If any third-party website, which is not under the direct control of the website owner, can be accessed from a link displayed on the website, website owner shall not be responsible or liable for any content displayed on the third-party website. The content or information displayed on the owner’s website or any third-party website which may be accessed through links provided on the website is not intended as advice but merely as information. Before making any final decision or taking any action based on any information displayed on the website or any such third-party website that may affect your personal finances or business, it is recommended that you first obtain appropriate professional advice from Wikus or another appropriately qualified planner having your best interests at heart.

2. Visitors from foreign countries

Use of the owner’s website or the purchase of services or products from the country from which you may access the website may be illegal in that country. Your use of the website for any purchase that you may make is entirely at your own risk. It is recommended that you ensure that use of the website for any purchases made by you are not in violation of the laws of any country by which you may be governed. Services and products offered on this website may not be available in your country. Contact the owner or your local financial or legal adviser to find out whether, and if so which of, the owners services and products may be available to you.

3. Invitation to do business

Unless indicated in writing by the owner, nothing on the website shall constitute an offer for sale of any service or product. The information provided on the website is not, nor must you regard it as financial or investment advice. If you wish to use the information displayed on the website to purchase any service or product or procure financial or investment advice from the owner, your request to do so shall be regarded by the owner as an offer to do business with the product provider, which may be accepted by the product provider if it chooses. The acceptance of your offer will be subject to terms and conditions governing the service, product, or advice at the time of the acceptance of the offer. The responsibility for ensuring compliance with any laws or regulations which may apply to you, remain exclusively yours and in making an offer you are deemed to have indemnified the owner (held the owner harmless and agree to reimburse the owner) against any loss or damage that it may suffer arising from your breaking any laws applicable to you.

4. No warranties

While the owner will take care to provide accurate information on the website, the information displayed on the website is provided without any express or implied warranty (guarantee that the information is correct) of any kind whatsoever. The website owner does not warrant that it is appropriate or suitable for any particular purpose, that it is complete or accurate, or that it or any hardware on which it is stored is virus- free.

5. Restricted use

Unless otherwise indicated in writing, all information, products, and services displayed on or accessed through the owner’s website are for your personal and non-commercial use only. You may not – - Reproduce, modify, or create derivative works from; publish, distribute, transmit, or display; or license or transfer any of the content displayed on the website - unless you have the owner’s prior written authorisation; - Decompile, reverse engineer, or disassemble the website, a linked website, or any software employed in the display or operation of the website; - Post on or transmit to the website content of an unlawful nature, for example: (a) content that is threatening, libellous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane; or (b) content that could damage the owner's image or impair its ability to do business; - Use the website in a manner that could damage, disable, overburden, or impair any of the owner’s server (computer), or network connected to any of the owner’s server, or interfere with any other party's use of the owner’s website; - Interfere with any content displayed on the owner’s website or attempt or gain unauthorised access (without the owner’s written consent) to the information displayed on the website to which you may not be authorised, or to any secure area on the website, an owner’s server or any other part of the owner’s information system. Any attempt, whether successful or unsuccessful, to interfere with the information displayed on the owner’s website or to gain access to information or any part of the owner’s information system to which you are not authorized, is unlawful and is an offence in terms of the provisions of Section 86 of the Electronic Communications and Transactions Act No. 25 of 2002, for which you may be prosecuted and, if found guilty, punished. - Create a link from another website to the owner’s website, or any of the web pages which constitute the owner’s website, without the owner’s prior written consent; - Frame the website or any of its pages without the owner’s prior written consent.

 6. Electronic transactions,

communications, and records

When you communicate with the owner by electronic communication provided or as may be directed on this website, you consent to receiving responses to your communications by electronic communication addressed to you by the owner. You thereby agree that all electronic agreements, notices, disclosures, and other communications sent by the owner satisfy any legal requirement that such communications should be in writing. You accept the risks inherent in electronic communication in whatever form. You consent to the owner acting on the information communicated to the owner electronically. You are responsible to ensure that the owner has received the information communicated electronically. You acknowledge and consent that the owner, in its discretion, may retain and store your electronic communications as may be lawfully required. You agree that the electronic records stored by the owner will constitute rebuttable) proof (it may be challenged) of the content of the records. Any email communication sent to you will be regarded for the purposes of this agreement to have been received by you when it enters an information system outside of the control of the owner.

7. User ID and password

If you subscribe to a service or product provided on the owner’s website you may be required to choose a user id (an identifying name) and a password. You are entirely responsible for – - Maintaining the confidentiality of your password (you must not give the password to anyone else); - All activities that occur in your account (using your user id and, if required, your password), either with or without your knowledge; - Notifying the owner or product provider immediately of any unauthorised use (use that you did not consent to) of your user id and/or password or any other breach of security that you know of; - For losses suffered by the owner or a third party due to someone other than you are using your user id and/or password.

8. Mobile access and use

You may access the owner’s website using a mobile device (including a mobile telephone). The Terms of Use apply with equal force and effect regardless of the manner of your access and browsing of the owner’s website. The owner’s website is designed and configured for use by Internet browsers which are typically used on computers and not mobile devices. The owner is not responsible for the wireless services used by mobile devices and disclaims any responsibility for the lack of functionality or capability or reliability of any mobile device or software used to access the owner’s website. While the use of the owner’s website is free of charge, you will be responsible for any fees which may be charged by your service provider which may be associated with your browsing of the owner’s website. The owner is also not responsible for the communication of any person or confidential information between you and the owner’s website or any electronic communications mechanisms facilitated by the owner’s website and disclaims any liability for deficiencies in privacy or security of any communications made or received between the mobile device and the owner’s website. The functionality and use of your mobile device is outside of the control of the owner’s and the owner will not be responsible for interference with the integrity, transmission, delays, limitation of network coverage, outages or interruption in the services supplied supporting the mobile device.

9. Privacy policy

Your privacy is important to the owner. Personal information transmitted to the owner will be treated in accordance with the owner's professional bodies Privacy Policy.

10. No liability

The owner will not be responsible for any loss incurred or damages suffered (whether direct, indirect, special, or consequential) to you or any third party that may be attributable, directly or indirectly, to the use of, or reliance upon, any content displayed on the owner’s website by you. Except as provided in 7, the owner will not be responsible for any interruption, delayed or failed transmission, loss of programs or other data, or the storage or delivery of information resulting from whatever cause.

11. Warranties provided by you

For all purposes, and for purposes of 6 above, you warrant (confirm) – - Your identity (that is, you are who you say you are), and that you can prove your identity should owner require you to do so; - That all information you provide at any time to the owner using the owner’s website, in writing, or telephonically, will in all respects be current, complete, and accurate; - That you will provide to the owner all material and relevant facts required by the owner as may be appropriate to any dealings you have with the owner. If you do not provide the information, or provide information that is incorrect, the owner may, at its choice, cancel the agreement or transaction arising from our dealings with the owner.

12. Intellectual property rights

The website and all its content (including software, text, graphics, icons, hyperlinks, private information, and designs) are owned by or licensed to the owner. As the intellectual property rights in the content referred to immediately above are protected against infringement by local and international legislation and treaties, it may not be used in any way without the owner’s or the licensor's prior written consent.

13. Breach

The owner reserves the right to – - Refuse you further access to the website if (a) you breach any of the terms of use applicable from time to time; (b) the owner is unable to verify or authenticate any information you provide to it; - or (c) the owner believes that you are conducting activities that are illegal, abusive, threaten the integrity of the website, or may place the owner in disrepute; - Refer any breach to the police if such breach constitutes a crime; - Claim damages for all loss and damage it suffers, and expenses it incurs, as a result of your breach.

14. Indemnity

You agree to indemnify and hold harmless the owner, any member of the owner group and its respective directors, officers, employees, agents, licensors, suppliers, and any third-party information providers from and against all losses and expenses (including attorney-and own client costs), resulting from any failure to adhere to these terms of use by you.

15. Jurisdiction and applicable law

Your use of the owner website will for all purposes relating to its use, constitute your consent and submission to the jurisdiction of the High Court of South Africa (Cape of Good Hope Provincial Division). Any claim arising from – - The use or inability to use the website; - An application for, and the rendering of a service or providing of a product; - is subject to the laws of the Republic of South-Africa in respect of both the basis of the claim [contract, delict (tort), or any other], and the law relating to procedure and evidence. All proceedings will be held in English and the unsuccessful party will be liable to pay all costs incurred by the successful party, including costs as between attorney and own client.

16. Owner’s Consent

To obtain the owner’s consent as provided for in these Terms of Use, please address the request to info@wikuspretorius.co.za. Email Terms of Use The content of an email – which may include one or more attachments – is strictly confidential and is intended solely for the use of the named recipient(s). If you’ve received this email in error, you’re not permitted to disclose, distribute or retain it – you’re requested to notify the sender immediately by return email and then delete it. Email isn’t necessarily secure or error-free; information could arrive late or contain viruses, or be incomplete, intercepted, corrupted, lost, or destroyed. It’s the responsibility of the named recipient(s) to ensure that emails are virus-free. The owner does not accept any liability for damage caused by any virus or other malware transmitted by this email. No employee, contractor, or intermediary is authorised to conclude an agreement on behalf of any member of the owner’s group by email, without express written confirmation by a duly authorised representative of that member. The use or content of email is intended for the owner’s group's business. If it’s used for any other purpose, the views expressed are those of the sender and no liability will attach to any member of the owner’s group. The owner’s group reserves the right to monitor, access, intercept or block emails addressed to all owner group addressees, in accordance with our email policy, as it applies from time to time. SMS Terms of Use

Important notes

Please note the terms of use set out below. They are binding for all SMS’s. Please check this web page regularly for changes. The terms of use may change from time to time and without notice. The changed terms are also binding. Please address disputes and complaints arising from the use of SMS’s to the owner at info@wikuspretorius.co.za Please read the Terms of use carefully before using any of our other web pages.

1. Copyright

Copyright 2018 © Wikus Pretorius, Cape Town, South Africa. The owner owns this web page and its content. All rights not expressly granted are reserved.

2. Privacy policy

Your privacy is important to us. Always ensure that we have your latest cell phone number, and alert us immediately if your cell phone has been lost or stolen. Personal information sent to us will be treated in accordance with our Privacy policy.

3. Disclaimer

The owner will in no event be responsible for any direct, indirect, special or consequential loss or expense that may be attributable, directly or indirectly, to the use of SMS’s. The owner won’t be responsible for any interruption, delayed or failed transmission, loss of data, storage or delivery of information resulting from any cause. All the information sent by us via SMS is provided without any representation or warranty whatsoever, whether express or implied. The owner makes no representation or warranties about the correctness of any information contained, the suitability of any products or services mentioned or the soundness of any general advice offered in a SMS. In the event of SMS’s sent by the owner, the owner accepts no obligation to verify the correctness of any information received from the clients and contained in such SMS’s and disclaims liability for any errors.

4. Applicable law

The use of, and information appearing in SMS's is governed and interpreted in accordance with the laws of the Republic of South Africa.

5. Intellectual property rights

Nothing on any SMS should be construed as granting (by implication, estoppel, or otherwise) any license or right to use any intellectual property rights envisaged in the previous paragraph without our written permission. You may not use the name of the owner or our logo in any way without our prior written permission.

6. Breach

The owner reserves the right to refuse to provide any SMS service if: (a) you breach any of these terms of use; (b) we’re unable to verify or authenticate any information you provide to us; or (c) we believe that you’re conducting activities that are illegal or abusive, or put the owner in disrepute.

7. Indemnity

You agree to indemnify and hold harmless any member of the owner’s group – and our respective directors, officers, employees, agents, licensors, suppliers and any third-party information providers – from and against all losses and expenses (including attorney and own client costs), resulting from you violating any of these terms of use. Big Brand Retirement Annuity Product Providers: