Terms of Use

1. Ownership & Copyright

Copyright in all information, material and logos (hereinafter referred to generally as �material�) made available through this website is protected by both national and international intellectual property laws. Accordingly, any unauthorised copying, reproduction, retransmission, distribution, dissemination, sale, publication, broadcast or other circulation, or exploitation of this material will constitute an infringement of such protection.

The copyright in all material vesting in SILKE FINANCIAL SERVICES published on this website shall continue to vest in SILKE FINANCIAL SERVICES. Without derogating from the aforegoing, SILKE FINANCIAL SERVICES hereby authorises you to view, copy, download to a local drive, print and distribute the content of this website, or any part thereof, provided that:

such content is used for information purposes only;

such content is used for non-commercial purposes. You are expressly prohibited from incorporating any material of SILKE FINANCIAL SERVICES� proprietary material from this website in any other work, publication or website either of your own or belonging to any third party;

any reproduction of SILKE FINANCIAL SERVICES� proprietary material from this website or portion thereof must include this notice in its entirety.

The trademarks, logos and service marks displayed on this website are registered and unregistered trademarks of their owners. Nothing contained on this website should be construed as granting any licence or right to use any trademark without the written permission of the owner thereof. 1.4 No right, title or interest in any proprietary material contained in this website is granted to you hereunder.

2. Content

This website is only intended to provide general information regarding SILKE FINANCIAL SERVICES and its products and services and it is not intended to provide exhaustive treatment of any subject dealt with.

The information in this website including, without limitation, all research, opinions or other content is therefore not intended nor does it constitute financial, accounting, tax, legal, investment, consulting or other professional advice or services. Before making any decision or taking any action which might affect your personal finances or business you should consult with SILKE FINANCIAL SERVICES or your own professional advisors.

This website could include technical, typographical or other inaccuracies and you are urged to contact SILKE FINANCIAL SERVICES to confirm all information contained on these pages prior to placing reliance thereon. Changes are periodically made to the information herein and these changes will be incorporated in new editions of this website. SILKE FINANCIAL SERVICES expressly reserves the right, in its sole and absolute discretion, to alter or amend any criteria or information set out in this website without notice.

This website may now, or hereafter from time to time contain certain statements or information with respect to:-

the plans, objectives and/or projections of SILKE FINANCIAL SERVICES for future operations, including those relating to the services of SILKE FINANCIAL SERVICES; or

future economic performance;

and SILKE FINANCIAL SERVICES wishes to caution you that such projections are only predictions and that actual events or results may differ materially.

3. Offer

No information or content contained on these pages should be construed as an offer by SILKE FINANCIAL SERVICES.

4. Transmission of Information

Your attention is drawn to the fact that information transmitted via the Internet, including without limitation e-mail, is susceptible to monitoring and interception. You are therefore discouraged from transmitting to SILKE FINANCIAL SERVICES any information which may be confidential, proprietary or sensitive. You shall bear all risk of transmitting such information in this manner and under no circumstances will SILKE FINANCIAL SERVICES be liable for any loss, harm or damage suffered by you as a result thereof. SILKE FINANCIAL SERVICES reserves the right to request independent verification of any information transmitted via e-mail and you consent to such verification should Investec deem it necessary.

SILKE FINANCIAL SERVICES requests that no unsolicited confidential or proprietary information be sent to SILKE FINANCIAL SERVICES. Any such unsolicited information or material sent to SILKE FINANCIAL SERVICES will be deemed not to be confidential, unless otherwise agreed in writing by Investec. Notwithstanding the aforegoing, SILKE FINANCIAL SERVICES will not sell or forward any personal user information to any third party unless obliged to do so by law.

5. Links to Third Party Sites

External links may be provided for your convenience, but they are beyond the control of SILKE FINANCIAL SERVICES and no representation or endorsement is made as to their content. Use of or reliance on any external links provided is at your own risk.

6. Statutory Requirements

The services and other features offered on this website comply with relevant statutory and regulatory requirements of the region under which they are offered. Unless otherwise specified, the services and features on this website are directed solely at the residents of the region under which they are offered.

7. Disclaimer

This website and the information contained therein is provided "as is" and SILKE FINANCIAL SERVICES makes no express or implied representations or warranties with regard thereto. Without limiting the generality of the aforegoing:-

SILKE FINANCIAL SERVICES does not warrant that the website or information will be error-free or will meet any particular criteria of accuracy, completeness or reliability of information, performance or quality. Investec expressly disclaims all implied warranties, including, without limitation, warranties of merchantability, title, fitness for a particular purpose, year 2000-compliance, non-infringement, compatibility, security and accuracy; and

whilst SILKE FINANCIAL SERVICES has taken reasonable measures to ensure the integrity of this website and its contents, no warranty, whether express or implied is given that any files, downloads or applications available via this website are free of viruses, trojans, bombs, time-locks or any other data or code which has the ability to corrupt or affect the operation of your system.

8. Risk & Limitation of Liability

Your use of this website and the information contained therein is entirely at your own risk and you assume full responsibility and risk of loss resulting from the use thereof. Neither SILKE FINANCIAL SERVICES, its affiliated companies, holding company, subsidiaries or subsidiaries of its holding company, or their shareholders, agents, consultants or employees will be liable for any damages whatsoever relating to the use of this website or the information contained therein, including, without limitation any direct, indirect, special, incidental, consequential or punitive damages, whether in an action arising out of contract, statute, delict or otherwise.

9. Enforceability

If any of the foregoing is not fully enforceable for any reason, the remainder shall nonetheless continue to apply.

10. Jurisdiction

These terms and conditions shall be governed by and construed in accordance with the laws of the Republic of South Africa without giving effect to any principles of conflict of law. You hereby consent to the exclusive jurisdiction of the High Court of South Africa in respect of any disputes arising in connection with the services referred to herein, or these terms and conditions or any matter related to or in connection therewith.