Website terms
Website Terms of Use
Clear terms for using this website and the general information it provides.
These terms govern your use of this website. By browsing this site you agree to use it responsibly and to treat the general information it contains for what it is — helpful context, not a substitute for personalised financial advice.
1. Agreement to the terms
By accessing or using this website, you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, please do not continue to use the website. We may update these terms from time to time, as described in Section 12, and your continued use of the site after an update constitutes acceptance of the revised terms.
2. Business and website-owner details
This website is owned and operated by Mbalwa Investment Services (Pty) Ltd, an authorised Financial Services Provider, FSP 55090, with its registered office at 4th Floor, Fredman Towers, 13 Fredman Drive, Sandton, Johannesburg, 2196.
3. Permitted use
You may access and use this website for lawful, personal, non-commercial purposes — including learning about Mbalwa's services, reading published content, and contacting us regarding our services. You may view, download and print pages of this website for your own personal reference, provided any copyright and other proprietary notices are retained.
4. Prohibited use
You may not use this website:
- For any unlawful purpose, or in a way that breaches any applicable law or regulation.
- To scrape, harvest, data-mine or systematically extract content from the site using automated tools without our prior written consent.
- To reverse engineer, decompile or otherwise attempt to derive the source code of any software underlying this website.
- To impersonate Mbalwa Investment Services, any of its advisers or staff, or any other person or entity.
- To introduce viruses, malware or other harmful code, or to attempt to gain unauthorised access to any part of the site or its underlying systems.
5. Intellectual property
Unless otherwise credited, all content on this website — including text, graphics, logos, images and the overall design — is the property of Mbalwa Investment Services (Pty) Ltd and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify or create derivative works from this content for commercial purposes without our prior written permission.
6. Website information and availability
We aim to keep this website accurate, current and available, but we do not guarantee uninterrupted or error-free access. The website may be unavailable from time to time for maintenance, updates, or reasons beyond our control, and we accept no liability for any resulting inconvenience or loss.
7. No personalised financial advice through general content
Nothing published on this website constitutes personalised financial advice. It does not account for your individual circumstances, goals or risk profile. Please read our full regulatory disclosure and speak to a Mbalwa adviser before acting on any general information published here.
8. Third-party websites
This website may contain links to third-party websites for your convenience. We do not control and are not responsible for the content, accuracy or practices of any third-party website, and a link does not imply our endorsement of that site or its content. You access third-party websites entirely at your own risk.
9. Limitation of liability
To the fullest extent permitted by law, Mbalwa Investment Services (Pty) Ltd accepts no liability for any direct, indirect or consequential loss or damage arising from your use of, or inability to use, this website, or from reliance on any general information it contains. This limitation does not exclude liability that cannot lawfully be excluded, and nothing in these terms limits any right you may have under applicable consumer or financial-services legislation.
10. Privacy and cookies
Our use of personal information and cookies collected through this website is described in full in our Privacy and POPIA Notice, which forms part of these Terms of Use by reference.
11. Governing law and jurisdiction
These Terms of Use are governed by the laws of the Republic of South Africa. Any dispute arising from your use of this website will be subject to the exclusive jurisdiction of the South African courts.
12. Changes to the terms
We may amend these Terms of Use from time to time to reflect changes in our services, legal requirements or website functionality. The version published on this page is the current one, and we encourage you to review it periodically. The effective date at the bottom of this page indicates when it was last updated.
13. Contact information
If you have any questions about these Terms of Use, please contact us or write to us at 4th Floor, Fredman Towers, 13 Fredman Drive, Sandton, Johannesburg, 2196.
14. Effective date
Version 1.0 · Effective 1 July 2026 · Last reviewed 1 July 2026
Questions about these terms? Contact us — we're happy to clarify anything.