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LEGAL DETAILS

DISCLAIMER

General
 

  • This website is intended for general information purposes only. It is not intended to provide financial or other advice, nor to make any recommendations regarding the suitability, for any particular user, of any services offered.
     

  • KGA Life also makes no warranty or representation, whether express or implied, that the information or files available on this website are free from errors, viruses, destructive materials or any other data or code which is able to corrupt, compromise, jeopardise, disrupt, disable, harm or otherwise impede in any manner the operation of a computer system, computer network, hardware or software. By accessing this website, you accept all risk associated with the existence of such viruses, destructive materials or any other data or code which is able to corrupt, compromise, jeopardise, disrupt, disable, harm or otherwise impede in any manner the operation or content of a computer system, computer network, hardware or software.
     

  • The Website and all Content on the Website, including any amendments and additions are provided on an “as is” basis and may include inaccuracies or typographical errors. The Owners make no warranty or representation as to the availability, accuracy, or completeness of the Content. Neither KGA Life nor any affiliate shall be held responsible for any direct or indirect, special, consequential or other damage of any kind whatsoever suffered or incurred, related to the use of, or the inability to access or use the Content or the Website or any functionality thereof, or of any linked website, even if KGA Life is expressly advised thereof.
     

  • All information regarding the products and services, including information in respect of their terms and conditions and any other information is subject to change without notice.
     

  • Part of the information contained on this site is supplied by third parties. The receipt of such information is dependent on such third parties and complex infrastructures for delivery over which we have no control and accordingly shall not accept liability for losses of any nature arising out of delays or failures in the delivery of such information.
     

  • All rates quoted are subject to change.
     

  • The matters described on this website are subject to amendment. Nothing on this website constitutes advice. Anyone requiring advice about the information contained herein should consult their independent adviser.
     

  • Linked sites are not under our control and we are not responsible for their contents or the contents of any further links contained in linked sites.

Jurisdiction

The laws of South Africa govern this website and its use and the South African courts will have exclusive jurisdiction over any dispute that may relate to it. The invalidity, unlawfulness, or unenforceability of any or any part of these conditions shall only to that extent be severed from the remaining terms, which shall remain in full force and effect as permitted by law.

Conflict of Interest

The Financial Advisory and Intermediary Services Act (FAIS) requires every authorised financial services provider to adopt, implement and maintain a conflict-of-interest management policy. The policy sets out the parameters and procedures for managing any conflicts of interest that may arise in the rendering of financial services. This policy is available on request.

TERMS & CONDITIONS

These Terms and Conditions (“the Terms and Conditions”) govern your (“the User”) use of the KGA Life Limited website located at the domain name www.kga.com (“the Website”). By accessing and using the Website, the User agrees to be bound by the Terms and Conditions set out in this legal notice. The User may not access, display, use, download, and/or otherwise copy or distribute Content obtained on the website for marketing and other purposes without the consent of the Provider.


 

Electronic Communications

By using this Website or communicating with KGA Life by electronic means, the user consents and acknowledges that all agreements, notices, disclosures, or any other communication satisfies any legal requirement, including but not limited to the requirement that such communications should be in writing. KGA Life cannot be held responsible for security breaches, howsoever arising on the User’s electronic device used to browse the Website.


 

Updating of These Terms and Conditions

KGA Life reserves the rights to change, modify, add or remove from portions or the whole of these Terms and Conditions from time to time. Changes to these Terms and Conditions will become effective upon such changes being posted to this Website. It is the User’s obligation to periodically check these Terms and Conditions at the Website for changes or updates. The User’s continued use of this Website following the posting of changes or updates will be considered notice of the User’s acceptance to abide by and be bound by these Terms and Conditions, including such changes or updates.


 

Copyright and Intellectual Property Rights

KGA Life provides certain information on the Website. Content currently displayed, or anticipated to be displayed, on this Website is provided by KGA Life, its affiliates or any other third-party owners of such content, and includes but is not limited to Literary Works, Musical Works, Artistic Works, Sound Recordings, Cinematograph Films, Sound and Television Broadcasts, Program-Carrying Signals, Published Editions and Computer Programs (“the Content”). The Content, and the compilation of the Content, is the property of KGA Life, its affiliates or any other third-party owner of such rights (“the Owners”), and is protected by South African and international copyright laws. KGA Life reserves the right to make any changes to the Website, the Content, or to services offered through the Website at any times and without notice. All rights in and to the Content is reserved and retained by the Owners. Except as specified in these Terms and Conditions, the User is not granted a license or any other right including without limitation under Copyright, Trademark, Patent or other Intellectual Property Rights in or to the Content.


 

Privacy: Casual Surfing

The User may visit the Website without providing any personal information. The Website servers will in such instances collect the IP address of the User's computer, but not the email address or any other distinguishing information. This information is aggregated to measure the number of visits, average time spent at the Website, pages viewed, etc. Provider uses this information to determine the use of the Website and to improve Content thereon. KGA Life assumes no obligation to protect this information and may copy, distribute, or otherwise use such information without limitation.


 

Choice of Law

This Website is controlled, operated, and administered by KGA Life from its offices within the Republic of South Africa. If the User accesses this Website from locations outside of South Africa, that User is responsible for compliance with all local laws. These Terms and Conditions shall be governed by the laws of the Republic of South Africa. If any of the provisions of these Terms and Conditions are found by a court of competent jurisdiction to be invalid or unenforceable, that provision shall be enforced to the maximum extent permissible to give effect to the intent of these Terms and Conditions, and the remainder of these Terms and Conditions shall continue in full force and effect. These Terms and Conditions constitute the entire agreement between KGA Life and the User regarding the use of the Content and this Website.

These Terms and Conditions (“the Terms and Conditions”) govern your (“the User”) use of the KGA Life Limited website located at the domain name www.kga.com (“the Website”). By accessing and using the Website, the User agrees to be bound by the Terms and Conditions set out in this legal notice. The User may not access, display, use, download, and/or otherwise copy or distribute Content obtained on the website for marketing and other purposes without the consent of the Provider.


 

Electronic Communications

By using this Website or communicating with KGA Life by electronic means, the user consents and acknowledges that all agreements, notices, disclosures, or any other communication satisfies any legal requirement, including but not limited to the requirement that such communications should be in writing. KGA Life cannot be held responsible for security breaches, howsoever arising on the User’s electronic device used to browse the Website.


 

Updating of These Terms and Conditions

KGA Life reserves the rights to change, modify, add or remove from portions or the whole of these Terms and Conditions from time to time. Changes to these Terms and Conditions will become effective upon such changes being posted to this Website. It is the User’s obligation to periodically check these Terms and Conditions at the Website for changes or updates. The User’s continued use of this Website following the posting of changes or updates will be considered notice of the User’s acceptance to abide by and be bound by these Terms and Conditions, including such changes or updates.


 

Copyright and Intellectual Property Rights

KGA Life provides certain information on the Website. Content currently displayed, or anticipated to be displayed, on this Website is provided by KGA Life, its affiliates or any other third-party owners of such content, and includes but is not limited to Literary Works, Musical Works, Artistic Works, Sound Recordings, Cinematograph Films, Sound and Television Broadcasts, Program-Carrying Signals, Published Editions and Computer Programs (“the Content”). The Content, and the compilation of the Content, is the property of KGA Life, its affiliates or any other third-party owner of such rights (“the Owners”), and is protected by South African and international copyright laws. KGA Life reserves the right to make any changes to the Website, the Content, or to services offered through the Website at any times and without notice. All rights in and to the Content is reserved and retained by the Owners. Except as specified in these Terms and Conditions, the User is not granted a license or any other right including without limitation under Copyright, Trademark, Patent or other Intellectual Property Rights in or to the Content.


 

Privacy: Casual Surfing

The User may visit the Website without providing any personal information. The Website servers will in such instances collect the IP address of the User's computer, but not the email address or any other distinguishing information. This information is aggregated to measure the number of visits, average time spent at the Website, pages viewed, etc. Provider uses this information to determine the use of the Website and to improve Content thereon. KGA Life assumes no obligation to protect this information and may copy, distribute, or otherwise use such information without limitation.


 

Choice of Law

This Website is controlled, operated, and administered by KGA Life from its offices within the Republic of South Africa. If the User accesses this Website from locations outside of South Africa, that User is responsible for compliance with all local laws. These Terms and Conditions shall be governed by the laws of the Republic of South Africa. If any of the provisions of these Terms and Conditions are found by a court of competent jurisdiction to be invalid or unenforceable, that provision shall be enforced to the maximum extent permissible to give effect to the intent of these Terms and Conditions, and the remainder of these Terms and Conditions shall continue in full force and effect. These Terms and Conditions constitute the entire agreement between KGA Life and the User regarding the use of the Content and this Website.

PAIA MANUAL

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DOWNLOAD FILE

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PROTECTION OF PERSONAL INFORMATION

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DOWNLOAD FILE

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