Website Terms and Conditions of Use

Effective Date: 06/06/2025

1. Introduction

Welcome to Portfolio Bureau PTY ltd. (“we”, “us”, or “our”). These Website Terms and Conditions (“Terms”) govern your access to and use of our website, located at [Insert Website URL] (“Site”). By using this Site, you agree to be bound by these Terms and our [Privacy Policy]. If you do not agree, please refrain from using our Site.

Portfolio Bureau PTY ltd. is a registered Financial Services Provider  under the Financial Advisory and Intermediary Services Act (FAIS) in South Africa.

2. Use of the Website

This Site is intended to provide general information about our wealth management and financial advisory services. It is not intended to constitute financial, legal, tax, or investment advice.

By using the Site, you agree that:

• You are at least 18 years old or using the Site under the supervision of a legal guardian;

• You will not use this Site for any unlawful, harmful, or fraudulent purpose;

• You will not interfere with the functionality, security, or integrity of the Site;

• You are responsible for complying with any local laws applicable to your use of this Site.

3. No Offer or Advice

The content on this Site is provided for informational purposes only and does not constitute:

• A solicitation, offer, or recommendation to buy or sell any financial product or service;

• Personalised financial advice. Any financial services or investment decisions must be based on a signed, formal advisory process and mandate.

Please consult a licensed financial advisor before making investment decisions.

4. Intellectual Property

All content on this Site, including but not limited to text, images, graphics, logos, brand elements, audio, video, documents, and software, is the property of Portfolio Bureau PTY ltd.or its licensors and is protected under copyright, trademark, and other intellectual property laws.

You may not:

• Reproduce, distribute, modify, copy, or publicly display any content from the Site without our prior written permission;

• Use our brand name, logo, or trademarks without express consent.

5. Privacy and Data Protection

We are committed to protecting your personal information. Please refer to our Privacy Policy for details on how we collect, process, and protect your data in accordance with the Protection of Personal Information Act (POPIA) and, where applicable, the General Data Protection Regulation (GDPR).

6. Limitation of Liability

To the fullest extent permitted by law, Portfolio Bureau PTY ltd. disclaims all liability for any loss, damage, or expenses of any nature which may be suffered by you or any third party as a result of:

• Use of, or reliance on, information contained on this Site;

• Errors, omissions, interruptions, or delays in services or Site functionality;

• Unauthorised access to or alteration of your transmissions or data.

We do not guarantee that the Site will be secure, error-free, or available at all times.

7. Third-Party Links

The Site may contain links to third-party websites or content. These links are provided for convenience only. We do not control or endorse these websites and are not responsible for their content, accuracy, or practices. Use of such links is at your own risk.

8. Jurisdiction and Governing Law

These Terms are governed by the laws of the Republic of South Africa. Any disputes arising from or related to these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the courts of South Africa.

If you access this Site from outside South Africa, you are responsible for compliance with any local laws in your jurisdiction.

9. Amendments to Terms

We reserve the right to update or modify these Terms at any time without notice. Any changes will be effective immediately upon posting. Your continued use of the Site after changes are posted constitutes acceptance of those changes.