Adoption note: This disclaimer becomes effective once published on www.jbrmc.co.za and applies to all visitors to, and users of, the website from that date. It should be read together with the External Privacy Policy and any other terms published on the website.

Purpose

This disclaimer sets out the terms on which visitors may access and use the website www.jbrmc.co.za (the "website"), and explains the basis on which JB Risk Management Consultants (Pty) Ltd ("JBRMC", "we", "us" or "our") makes information available on the website.

Scope

This disclaimer applies to all visitors to, and users of, the website, including prospective and existing clients. It should be read together with our External Privacy Policy and any other applicable terms published on the website.

Acceptance of this disclaimer

By accessing or using the website, you accept and agree to be bound by this disclaimer. If you do not agree with any part of it, please do not use the website.

General information only, not advice

Content published on the website, including articles, guides, service descriptions, pricing indications and other material, is provided for general information purposes only.

• It is not, and must not be relied upon as, legal, financial, tax, risk management, compliance or other professional advice.
• It does not constitute advice as contemplated in the Financial Advisory and Intermediary Services Act 37 of 2002 (FAIS).
• We recommend that you obtain advice specific to your circumstances from a suitably qualified professional before acting, or refraining from acting, on any information contained on the website.

No client relationship

Browsing the website, submitting an enquiry, booking a Discovery Call or providing your details through the website does not, on its own, create a client, advisory, agency or other professional relationship between you and JB. A formal client relationship, and the scope of any services we provide, is established only once we have agreed and signed an engagement letter, mandate or terms of business with you.

Regulatory status

JB Risk Management Consultants (Pty) Ltd is a South African private company and an authorised FSCA Compliance Practice. Our verified company registration number and compliance practice number appear ion our website. The website and its content are intended for use by persons located in South Africa. We make no representation that the website, or any service described on it, is appropriate or available for use in other jurisdictions; where you access the website from outside South Africa, you do so on your own initiative and are responsible for compliance with local laws.

Intellectual property

Unless otherwise indicated, the website and its content — including text, graphics, logos, the JB name and branding, and the layout and design of the website — are the property of JB or its licensors and are protected by copyright, trade mark and other intellectual property laws. You may view and print content from the website for your own personal or internal business use, but you may not reproduce, distribute, modify or otherwise use any content for commercial purposes without our prior written consent.

Links to third-party websites

The website may contain links to third-party websites or resources, provided for convenience only. We do not control, endorse or accept responsibility for the content, accuracy, availability or privacy practices of any third-party website. Use of a linked website is at your own risk and subject to that website's own terms and privacy policy.

Availability and accuracy of content

JBRMC has taken, and will continue to take, reasonable care to ensure that all information provided on this website, in so far as this is within its control, is true and correct. Information may change without notice, and we may amend, suspend or withdraw all or part of the website, or restrict access to it, at any time and without notice. We do not guarantee that the website will be available on an uninterrupted or error-free basis, or that it is free of viruses or other harmful components.

No warranty

There is no warranty of any kind, express or implied, regarding the information on this website or any aspect of the services described on it. Any warranty implied by law is excluded to the fullest extent permitted by law.

Limitation of liability

To the maximum extent permitted by law, JB shall not be responsible for, and disclaims any liability for, any loss, damage (whether direct or consequential) or expense of any nature suffered by any person as a result of, or attributable directly or indirectly to, the use of or reliance upon any information, links or service provided through this website. Nothing in this disclaimer is intended to limit any liability that cannot lawfully be excluded under South African law, including under the Consumer Protection Act 68 of 2008, where applicable.

Indemnity

You agree to indemnify and hold JB, its directors, employees and representatives harmless against any claim, loss, liability or expense arising from your use of the website or your breach of this disclaimer.

Privacy and cookies

Our processing of personal information collected through the website, including through cookies, forms and Discovery Call bookings, is described in our External Privacy Policy, published on the website. By using the website, you acknowledge that your personal information will be processed in accordance with that policy.

Governing law and jurisdiction

This disclaimer is governed by the laws of the Republic of South Africa. Any dispute arising from or in connection with this disclaimer, or your use of the website, is subject to the non-exclusive jurisdiction of the South African courts.

Changes to this disclaimer

We may update this disclaimer from time to time to reflect changes to the website, our services or applicable law. The version published on the website at the time of your visit applies, and we encourage you to review it periodically.

Contact details

Questions about this disclaimer, or about the website, can be directed to:

• General enquiries: Jana.beyers@outlook.com
• Telephone: +27 83 521 8317
• Physical address: 10 Jim Fouche Avenue, Plattekloof 1, 7500
• Privacy queries: See the Information Officer contact in our External Privacy Policy