Disclaimer

Redfin Wealth is an Authorized Financial Services Provider (license number 4674) licensed with the Financial Services Board.  The information contained in any communication (including attachments) is not to be construed as advice in terms of the Financial Advisory and Intermediary Services Act of 2002.  Please contact your Financial Advisor should you require advice of a financial nature and/or intermediary services.

The information on the website is provided by Redfin Wealth and whilst we endeavour to keep the information up-to-date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability for a particular purpose or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose.

By making any use of this website you agree that in no event will Redfin Wealth be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website. Any reliance you place on such information is therefore strictly at your own risk.

Every effort is made to keep this website up and running smoothly. However, Redfin Wealth takes no responsibility for, and will not be liable for, this website being unavailable for any period of time due to technical issues.

For your information we would like to draw your attention to the following investment warnings:

The analysis & advice is based on a set of assumptions, including the current tax regime and legislation, growth rates, the rate of inflation & that the information provided is correct.  Any financial plan must always be viewed against the background of your current financial realities, personal circumstances & possible fiscal amendments.

The price of shares and investments and the income derived from them can go down as well as up, and investors may not get back the amount they invested. The spread between the bid and offer prices of securities can be significant in volatile market conditions, especially for smaller companies. Realisation of small investments may be relatively costly.

Past performance is not necessarily a guide to future performance. Where the information consists of pricing or performance data, the data contained therein has been obtained from company reports, financial reporting services, periodicals, and other sources believed reliable.

Any unauthorised use or interception of any communication or this website is illegal.  If the information is not intended for you, you may not copy, distribute or disclose the contents to anyone.  Save for bona fide company matters, Redfin Wealth does not accept any responsibility for the opinions expressed in any communication.

Disclosure

Please note that your financial advisor may be a related party to the co-naming partner. It is your financial advisor’s responsibility to disclose all fees he/she receives from any related party. The portfolio’s TER includes all fees paid by portfolio to the trustees, the auditors, banks, the co-naming partner, underlying portfolios, and any other investment consultants/managers as well as distribution fees and LISP rebates, if applicable. The portfolio’s performance numbers are calculated net of the TER expenses. The investment manager earns a portion of the service charge and performance fees where applicable.

Conflict of Interest

Please click here to see our Conflict of Interest policy document.

DISCLOSURE AND CONSENT IN TERMS OF THE PROTECTION OF INFORMATION ACT (POPIA)

It is necessary to collect certain Personal Information in order for Redfin Wealth (the FSP) to properly carry out their duties.  The FSP has appointed an Information Officer. In compliance with the Protection of Personal Information Act (POPI Act), when you supply your details, the FSP undertakes the following:

Purpose for Use (Openness and Specification)

Your Personal Information (i.e., ID, Licence, certificates, marriage certificate, bank details) are being processed for the purposes of any reporting obligations to various Regulators that may be required. In addition, it may be necessary to share this information with product providers, claim specialists and underwriters.

The information that may at any time be required by Redfin Wealth and processed is:

• your name, address and contact details, including email address and telephone number;
• details of your qualifications, skills, experience, and employment history;
• whether or not you have a disability;
• medical history
• Criminal and reference checks.

Collection and Processing Limitation 

Collection of your PI may be conducted in a number of ways including from data contained in resumes, curriculum vitas, identify documents and provided by your employer. It may also be necessary to obtain data form a third party such as a product provider. This information will only be used for the purpose it was obtained.

Minimality and Information Quality

Only the minimum personal information required to complete this purpose will be processed.

When supplying your data for financial planning purposes, you confirm that all data is complete and accurate.

Limitation of use 

Redfin Wealth will not use your personal information for reasons outside the stated purposes and/or without gaining your prior consent.

Retention and Destruction

Your Personal Information will only be retained long enough to support the stated purpose and as long as Redfin Wealth may be required to do so in terms of all legislation including but not limited to FAIS, FICA and the Income Tax Act.

Security

Redfin Wealth is committed to ensure that your personal information is safe and secure. Controls have been designed to ensure that there are appropriate safeguards in place as required by the POPI Act. Data will be stored in a range of different places both in paper format and on other IT systems, which may include emails.

Your rights as a Data subject

Redfin Wealth will ensure that your rights as a data subject are protected. Your rights include

• The right to access and obtain a copy of your personal information held by Redfin Wealth
• The right to request that incorrect or incomplete or irrelevant data be amended and corrected;
• The right to have your data deleted or destroyed where there is no longer a need to retain or process same; and
• The right to object to the processing of your data where there is no longer a need to process said data.
• Your right to complain to the Information Regulator if you suspect any misuse of your data. Complaints can be addressed to:

The Information Regulator
JD House 27 Stiemens Street, Braamfontein, Johannesburg 2001
PO Box 31533, Braamfontein, Johannesburg, 2017
Complaints email: complaints.IR@justice.gov.za.

Should you have any objection to the above, kindly advise the FSP within 07 days from date of receipt hereof.