We consult to Financial Institutions
on strategy, operations and human engagement.
Our mission is to help Advice Businesses
unlock potential and lock in Value.

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We consult to Financial Institutions
On strategy, operations and human engagement.
Our mission is to help Advice Businesses
unlock potential and lock in Value.

scroll down arrows

Terms & Conditions

INTRODUCTION

These are the Terms and Conditions of use relating to the FI Consult website located at the following URL –  https://ficonsult.co.za/ (“the Website”) provided by Financial Institution Consult (Pty) Ltd (Registration Number: 2023/572865/07) (“FI Consult”), a company based in the Republic of South Africa (“South Africa”). These terms and conditions (“Terms and Conditions”) govern your (“the User”) use of the Website. By accessing or using the Website, the Users bind themselves to the Terms and Conditions set out in this document. The content of, and available on, the Website, is either proprietary to FI Consult or utilized in terms of a written license agreement entered into between FI Consult and the proprietor of such content. As such, the Users may not access, display, use, download, and/or otherwise copy or distribute any such content obtained on the Website for any purposes other than as provided for in these Terms and Conditions without the prior consent of FI Consult, or the individuals to whom any relevant personal information relates.

DEFINITIONS

The headnotes to the clauses of these Terms and Conditions are for reference purposes only and shall in no way govern or affect the interpretation of nor modify nor amplify these Terms and Conditions nor any clause hereof.

Unless the context dictates otherwise, the words and expressions set forth below shall bear the following meanings and cognate expressions shall bear corresponding meanings:

Active Processing

Shall mean instances where FI Consult has directly been provided with the Personal Data of Data Subjects, such as when Users submit an enquiry in respect of the Services, or when Users provide Personal Data to FI Consult pursuant to making use of the Website.

Applicable Laws

Means all applicable laws, regulations, regulatory requirements and codes of practice of any relevant jurisdiction, as amended and in force from time to time.

Client                                                                                                             

Shall mean any Person making use of the FI Consult Website.

Cookies

Means small text files that store Non-personally Identifiable Information about Users, either temporarily in connection with a User’s Internet Protocol (IP) address (known as a temporary or session cookie, and deleted once a Data Subject closes their browser window) or more permanently on the hard drive of a User’s device (known as a permanent or persistent cookie).

Device

Shall mean the device used by the User to access the Website, such as a desktop computer, laptop, smart phone, tablet or similar device.

Data Protection Legislation

Means any data protection or data privacy laws applicable within any Territory.

Data Subject(s)

Shall mean any person to whom any Personal Data relates, which shall include the User.

FI Consult

Shall mean Financial Institution Consult (Pty) Ltd, a company duly registered and incorporated in accordance with the laws of the Republic of South Africa with registration number 2023/572865/07and, where applicable, any of its Affiliates, who are the providers of the Website and any associated Services.

Fi Consult’s Associates

Means FI Consult’s officers, servants, agents or contractors or any other persons in respect of whose actions FI Consult may be held to be vicariously liable;

Governing Law

Shall mean the laws of the Republic of South Africa.

Intellectual Property

Shall mean all intellectual property subsisting in, pertaining to or used on, through or by means of the Website, including, without limitation, documents, designs, Trade Marks, service marks, data, trade secrets, methods and know-how, as well as copyright, including, without limitation, all copyright in any documents, logos, designs, multimedia works, software (including both source and object code and any programmers’ or developers’ notes, flow charts, memoranda and design documents), as well as any goodwill and rights of reputation attaching to any of the above.

Non-personally Identifiable Information/Data

Means any information/data which cannot be linked to Users, such as an internet domain name, the type of web browser used by a User, the type of operating system relied on by a User, the date and time of a User’s visit to our Website, the specific pages a User may have visited, and the address of the website which a User may have visited prior to entering or gaining access to FI Consult’s Website.

Passive Processing

Means instances where FI Consult has not actively been provided with the Personal Data of Users, such as when FI Consult deploys inactive means to collect information from Users. These Passive Processing means allow FI Consult to Process certain kinds of Non-personally Identifiable Information which can perhaps not be linked to Users.  

Person

Shall mean, where the context so requires, an individual, firm, company, corporation, juristic person, local authority, and any trust, foundation, organisation, association or partnership, with or without a separate juristic personality.

Personal Data

Personal data is regarded as any information relating to a User/Data Subject. A Data Subject shall also include any Person, User, Client or Service Provider. Personal data would enable the identification of a Person or any Data Subject, in particular by reference to identifying information such as a name, identification number, registration number, financial information, statutory information, location data, online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural, social, corporate or financial identity of that Person. Special categories of data include personal data pertaining to any of the following about a Data Subject such as, but not limited to racial or ethnic origin, political opinion or adherence, religious or philosophical beliefs, membership of a trade union, physical or mental health or condition, sexual orientation, practices or preferences, genetic or biometric data that is uniquely identifying.

Privacy Policy

Means FI Consult’s privacy policy sourced at  which is supplementary and complimentary to these Terms and Conditions, and which provisions are read into these Terms and Conditions as if specifically incorporated herein.

Processing

Shall mean any automated or manual activity of collecting, recording, organizing, storing, updating, distributing and removing or deleting Personal Data. 

Services

Shall refer to the Website and in addition to the information, and any services, provided on and through the Website.

Service Providers

Shall mean any Person that has been contracted by FI Consult to render specific Products or Services to clients of FI Consult.

Territory

Shall mean any country where FI Consult and its Affiliates conduct business or have operations or are actively pursuing business development opportunities, as well as such other countries as may be stated on FI Consult’s Website from time to time.

Trademarks

Shall mean all registered and unregistered trademarks, trade names, symbols, signs, insignia, emblems, logos and slogans utilized by FI Consult in facilitating the User’s use of the Services, as well as on the Website.

User(s)

Shall mean any Person(s) nominated who use the Website and associated Services.

Web-based Format

Shall mean the format of the Website which can be accessed by the Users through their web browser by entering a particular website.

Website

Means the website owned and operated by FI Consult sourced at https://ficonsult.co.za  

Unless inconsistent with the context or save where the contrary is expressly indicated:

  • if any provision in a definition is a substantive provision conferring rights or imposing obligations on any Party, notwithstanding that it appears only in this clause, effect shall be given to it as if it were a substantive provision of these Terms and Conditions;
  • any reference in these Terms and Conditions to an enactment is to that enactment as at the Effective Date and as amended or re-enacted from time to time; and
  • any reference in these Terms and Conditions to these Terms and Conditions or any other terms and conditions or document shall be construed as a reference to these Terms and Conditions or, as the case may be, such other terms and conditions or document as same may have been, or may from time to time be, amended, varied novated or supplemented.

Unless inconsistent with the context, an expression which denotes:

  • any one gender includes the other genders; and
  • the singular includes the plural and vice versa.

The words “include” and “including” mean “include without limitation” and “including without limitation”. The use of the words “include” and “including” followed by a specific example or examples shall not be construed as limiting the meaning of the general wording preceding it: the application of the eiusdem generis rule is excluded;

Where any term is defined within the context of any particular clause in these Terms and Conditions, the term so defined, unless it is clear from the clause in question that the term so defined has limited application to the relevant clause, shall bear the same meaning as ascribed to it for all purposes in terms of these Terms and Conditions, notwithstanding that that term has not been defined in this clause.

The expiration or termination of these Terms and Conditions shall not affect such of the provisions of these Terms and Conditions which expressly provide that they will operate after any such expiration or termination or which of necessity must continue to have effect after such expiration or termination, notwithstanding that the clauses themselves do not expressly provide for this.

CONTRACTUAL CAPACITY TO ACT

The User warrants that he / she is at least 18 (eighteen) years of age and has the necessary contractual and mental capacity to enter into and be bound by these Terms and Conditions. Where the User acts on behalf of another Person, the User warrants that he / she has the necessary authority and capacity to enter and bind such Person to these Terms and Conditions.

UPDATING OF THESE TERMS AND CONDITIONS

FI Consult 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 obligation of User to periodically check these Terms and Conditions on the Website for changes or updates. The continued use of this Website by the User 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.

ELECTRONIC COMMUNICATIONS

By using the Website or communicating with FI Consult by electronic means, the User consents and acknowledges that any and all agreements, notices, disclosures, or any other communication shall have been adequately addressed to the User upon transmission by e-mail to the e-mail address provided by the User and it constitutes proper notice to the User.

The User also accepts that when visiting the Website or communicating with FI Consult electronically, FI Consult may communicate with the User, using various electronic channels. All records that a User sends to FI Consult may be stored electronically and with third parties, although these third parties are bound by the strictest levels of confidentiality. These electronic records shall be proof of the records, unless you can prove otherwise.

THIRD PARTY SERVICE PROVIDERS PRODUCTS AND SERVICES

At the discretion of FI Consult, they may include references to or facilitate access to services rendered by third-party Service Providers and provide links to the sites of third-party Service Providers. These third-party Service Providers and their sites have separate and independent terms and conditions of use and privacy policies applicable to their products, services, and respective sites. FI Consult shall bear no responsibility or liability for the Products and Services offered or rendered by such third-party Service Providers or the content and services provided through or by means of their respective sites.

FI Consult makes no warranties or representations whatsoever regarding the Products and Services offered or rendered by any third party Service Provider, or the content or activities of such third-party websites, which may be accessed or used through or by means of the FI Consults’s Website.

The User acknowledges that FI Consult merely facilitates the User’s access to such third party’s products, services and/or website and does not itself offer the products or render the services of such third party to the User.

The User acknowledges that neither FI Consult, nor its directors, prescribed officers, agents or assigns, 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 of or the website of a third party, as well as any functionality of said website and the products offered or services rendered through or by means of said website, or of any linked website, even if Provider is expressly advised thereof.

These third-party websites and advertisers, or internet advertising companies working on their behalf, sometimes use technology to send (or ‘serve’) the advertisements that appear on the Website directly to the User’s browser. They automatically receive the User’s IP address when this happens. They may also use Cookies, JavaScript, web beacons (also known as action tags or single-pixel gifs), and other technologies to measure the effectiveness of their ads and to personalise advertising content to Users. FI Consult does not have access to or control over Cookies or other features that such third parties may use, and the information practices of these advertisers and third-party websites are not covered by these Terms and Conditions. Please contact them directly for more information about their privacy practices.

LIMITATION OF LIABILITY

The Website and all content on the Website, including any current or future offer of products or services, are provided on an “as is” basis, and may include inaccuracies or typographical errors. FI Consult makes no warranty or representation as to the availability, accuracy or completeness of the content. Neither FI Consult, its directors, members, prescribed officers, agents or assigns, 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 FI Consult is expressly advised thereof.

Neither the User or any other person shall have any claim against FI Consult for any direct, consequential, incidental, indirect or special loss or damages, including, without limitation, business interruption, loss of business information, loss of data or other pecuniary loss, arising from the unavailability of the Services, regardless of whether such claim is based on breach of contract, delict, breach of implied warranties or otherwise and even if the possibility of such loss or damages could have been foreseen or if FI Consult was negligent.

FI Consult therefore does not guarantee that (i) the Website; (ii) the information, content, tools or materials included on the Website; (iii) FI consult’s servers; or (iv) that any electronic communications sent by FI Consult will be free from viruses or other harmful components. FI Consult will not be liable for any damages of any kind arising from your use of the Website, the Services or from any information, content, tools or materials included on or otherwise made available to the User through the Website, including for direct, incidental, punitive and/or consequential damages.

Although FI Consult is committed to providing Users with the best possible Service, FI Consult shall not be responsible for:

  • any of the events described in this clause;
  • any actions or omissions by the User that result in a breach of the provisions of these Terms and Conditions;
  • any links to other websites from the Website. The User also acknowledges that the FI Consult cannot control the content of or the products offered on any third party websites;
  • a denial of access to the Website or the Services, should FI Consult believe or have reason to believe that the User is conducting activities that are illegal, abusive, would attack the integrity of the Website or put FI Consult in disrepute; or
  • the User’s reliance on any of the Services, information, content, tools or materials that the User obtains or gains access to from the Website.

GOVERNING LAW

The Website is controlled, operated and administered by FI Consult within the Republic of South Africa. Access to the Website from territories or countries where the use of the Website or the Services provided through the Website is illegal, is prohibited and by accessing the Website, the User, acting on behalf of the Client, agrees that the laws of the Republic of South Africa will govern these Terms and Conditions, as well as any dispute which may arise from these Terms and Conditions.

 

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 or other electronic device, but not the e-mail address or any other distinguishing information. This information is aggregated to measure the number of visits, average time spent on the Website, pages viewed, etc. FI Consult uses this information to determine use of the Website, and to improve content thereon. FI Consult assumes no obligation to protect this information and may process such information without limitation.

INDEMNITY AND CONDITIONS

Although FI Consult will do everything reasonably within its power to ensure that the Website will be operational, the User accepts that FI Consult may not be in control of all the circumstances surrounding the Services associated with the use of the Website.

FI Consult shall not be held liable for any direct or indirect damages or losses suffered as a result of any incorrect, inaccurate or late provision of any of the Services in the event that the Website may be temporarily unavailable or dysfunctional.

FI Consult shall not be liable for any direct or indirect damages or losses suffered by the User or any Person represented by the User, as a result of any negligence on the part of FI Consult, any of its agents, Service Providers or representatives in the rendering of the Services through the Website.

USE OF THE FI CONSULT WEBSITE AND THE SERVICES

The User may not use, reproduce, adapt, distribute, publish or in any other way deal or interfere with the Website’s contents without FI Consult’s prior written consent.

The User may not establish a hyperlink, frame, metatag, similar reference, whether electronically or otherwise, or any other reference to the Website without the prior written consent of FI Consult.  

FI Consult  reserves the right to make any changes or modification, as well as discontinue any aspect of the Website, its content or the Services offered by or through the Website at any time and without prior notice to the User. No such change, suspension, modification or discontinuance shall entitle the User to any compensation or give rise to any liability whatsoever.

The User agrees that it will only use the Website in accordance with these Terms and Conditions, including any terms and conditions incorporated herein by reference.

The display of content via the Website may differ depending on the Device the User is using to use the Website or access the Services.

Any and all content published on the Website reflects the views of the author and does not necessarily constitute the official opinion of FI Consult, unless stated otherwise.

The User may not post content on the Website that is illegal, unlawful, obscene, defamatory, discriminatory, disparaging of others, derogatory, inflammatory, harassing, insulting, offensive or likely to promote violence or hatred against others or that contains abusive, offensive or profane language.

FI Consult reserves the right to occasionally restrict User access and/or use of the Website and/or Services to carry out repairs, maintenance or to introduce new functionality and/or Services. FI Consult does, however, endeavor to keep any disruption in the use of the Website to a minimum.

The User agrees not to:

  • use the Website and the Services to process Personal Data of third parties, however should this be the case, for instance when a User refers third parties to FI Consult, such User warrants that he/she/they have procured the required consent from such third party to do so;
  • violate the privacy of any person in order to, or attempt to, gain unauthorised access to FI Consult and/or the Services through the Website, including, but without limitation through hacking, password mining or any other means;
  • use the Website and the Services to engage in any illegal or unlawful activity;
  • employ automated electronic or mechanical processes designed to negatively affect the performance of the Website, and FI Consult’s provision of the Website and the Services;
  • utilise the Website in a manner which disrupts the normal operations of FI Cosult;
  • attempt to gain unauthorised access to FI Consult’s programming, coding or infrastructure; or
  • circumvent, disable or otherwise interfere with security related features of FI Consult or features that prevent or restrict the use or enforce limitations on the use of the Website.

 

Should the User engage in any of the aforementioned activities, or breach any of the provisions of these Terms and Conditions, FI Consult shall be entitled, without prejudice to any other rights they may have and without prior notice to the User:

  • suspend User access to and use of the Website and the Services;
  • restrict or limit the use of the Website;
  • terminate the agreement set forth in these Terms and Conditions and recover all costs incurred by FI Consult, including, but without limitation, legal costs on an attorney and own client basis.

 

 

INTELLECTUAL PROPERTY

The technology and software underlying the Website and the Services, or distributed in connection therewith, are the property of FI Consult. FI Consult owns all rights, title, license and interest to any and all registered and unregistered intangible property, including marketing material, designs, know-how, trademarks, trade names, brand names, signs, symbols, logos, trade secrets, copyright and patents and any derivatives thereof and all future additions and improvements thereto, in respect of or pertaining to the Website and its use and implementation (“Intellectual Property”).

The Intellectual Property is protected by applicable copyright, trademark and intellectual property laws. Neither the Client or any Users shall obtain any rights, title or interest in or to any Intellectual Property, whether by operation of the Services Agreement, these Terms and Conditions, or otherwise. FI Consult does not permit copyright infringing activities or infringement of Intellectual Property rights of FI Consult.

COPYRIGHT

All content made available on the Website (for example, text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and where applicable software) belongs to FI Consult, or is alternatively used pursuant to a licensing agreement concluded between FI Consult and the third party proprietor of such content.

Any unauthorised use, alteration or dissemination of the information or content published on the Website is strictly prohibited.

The User expressly acknowledges that no content or information displayed on the Website may be regarded or construed as granting any licence or right to any third party, including the User, to use any trademark without FI Consult’s prior written consent and approval.

Although FI Consult has deployed reasonable technical and organisational measures to protect the information on the Website from time to time, the User acknowledges that FI Consult cannot be held responsible for any consequences that may result from the unlawful breach of copyright or unlawful dissemination of information by third parties copying information off of the Website.

PERSONAL INFORMATION OF USERS 

Users shall make available and consent by virtue of the using the Website and its associated Services, to the processing of, amongst others, the following types of Personal Data by FI Consult:

  • e-mail addresses;
  • names and surnames;
  • name of company/organisation;
  • country of operations;
  • business information (fleet size, interested products and services);
  • telephone numbers; and
  • opinions and preferences.

 

In as far as any User provides FI Consult with the Personal Data of a third party, they warrant that they are duly authorised to do so and have established a lawful justification in terms of prevailing Applicable Laws, to share such Personal Data with FI Consult, as well as to enable FI Consult to share such Personal Data with its agents, affiliates and Service Providers. The User agrees that FI Consult may process the Personal Data for all purposes that relate to the use of the Website and the associated Services.

The Personal Data processed by FI Consult may include, but is not limited to the following purposes:

  • verifying the identity of the Users and Clients on whose behalf they may perhaps be using the Website;
  • to render the Services;
  • transmitting and receiving necessary correspondence to the Users in relation to the Services;
  • transmitting marketing material to the Users in respect of the Services made available through the Website;
  • to monitor and analyse User conduct in respect of the use of the Website and/or the Services;
  • for compliance and risk purposes;
  • to analyse the Personal Data collected for research and statistical purposes and once such Personal Data is analysed to send the User marketing and promotional material which FI Consult believe may, based on its Processing of the Users’ Personal Data, be relevant to the User and enhance the use of the Services provided on, through, or by means of the Website;
  • to conduct market research, as well as academic research in respect of the Personal Data in order to identify potential markets and trends, to develop new functionality associated with the Services;
  • to aggregate and/or de-identify any Personal Data after analysing it for statistical purposes and/or conducting market and academic research in respect thereof, as aforesaid, and transferring or on-selling such de-identified Personal Data to third parties for commercial or non-commercial means.

 

The Personal Data shall be retained in the strictest confidence by FI Consult and will only be processed in accordance with FI Consult’s Privacy Policy.  

The User expressly agrees and acknowledges that any failure to submit the requisite Personal Data may render FI Consult unable to make the Services associated with the Website available and should this arise, the User hereby indemnifies and holds FI Consult harmless against any loss or damage which the User may suffer as a result of FI Consult’s inability to render the Services.

The User acknowledges that through the use of the Website or the Services, which may include completing online forms or contacting FI Consult electronically, FI Consult will in effect be processing the Personal Data relating to the User.  

COOKIES AND OTHER SIMILAR AUTOMATED TECHNOLOGIES

When Users interact with FI Consult through the use of the Website, FI Consult obtains certain information using automated technologies and means of Passive Processing, such as Cookies, web server logs, web beacons and other technologies.

FI Consult uses these automated technologies and means of Passive Processing to collect the User’s device information, internet activity information and inferences as described above. These technologies help FI Consult to:

  • Remember a User’s information so that Users do not have to re-enter it;
  • Track and understand how User’s use and interact with FI Consult’s Website;
  • Tailor FI Consult’s Services to a User’s preferences;
  • Measure how useful and effective FI Consult’s Services and communications are to Users; and
  • Otherwise manage and enhance the Services.

 

FI Consult does set some of these automated technologies, but others are set by third parties who deliver services on FI Consult’s behalf. For example, FI Consult may use other companies’ web analytics services (described in the “Third-Party Analytics Services” section below), which use automated technologies to help FI Consult evaluate how Users use our Websites.

A User’s browser can issue alerts for when Cookies are placed on their device and how such Cookies can be stopped or disabled via the User’s browser settings. Please note, however, that without Cookies all of the features of the Website may not work properly. If the User uses a mobile device, the User can manage their device and browser share certain device data by changing the privacy and security settings on the mobile device. For Users to learn more about Cookies and how to manage their preferences – visit http://www.allaboutcookies.org 

THIRD-PARTY ANALYTICS SERVICES

FI Consult may use third-party analytics service providers to help with FI Consult’s Services associated with the Website, such as Google Analytics. The analytics providers that administer these services use technologies such as Cookies, web beacons and web server logs to help FI Consult analyse how User’s use the Website. FI Consult may disclose a User’s site-use information (including IP address) to these analytics providers and other service providers who use the information to help them figure out how Users and others use the Website and associated Services.

To learn more about Google Analytics and how to opt out, please visit:

  • https://marketingplatform.google.com/about/

      or

  • https://support.google.com/analytics/answer/181881?hl=en

 

CONTACT INFORMATION FOR FI CONSULT

Full names and legal status:

FI Consult  (Pty) Ltd (Registration number 2023/572865/07)

Physical address:

FutureSpace Building, Nicol Main office park 2 Bruton road, Bryanston

 

Telephone number (Johannesburg):

+27 (0) 10 300 0801

Website address:

ficonsult.co.za

E-mail address:

hello@ficonsult.co.za