Terms of use and disclaimer

An important disclaimer regarding financial advice

Thank you for taking the time to read this very important notice. While we include it to protect ourselves, it’s equally as important for you the reader to understand what it is that WellSpent offers you and what care you should take when choosing to act based on information read or viewed, not just on WellSpent, but anywhere for that matter.

Many people likely need a financial advisor at some stage in their lives, but we cannot act as yours. WellSpent is not licensed to provide financial advice in South Africa and while our authors may be professionals in their respective fields, we do not make ourselves out to be experts in the matter of financial planning or the giving of financial advice.

All of the information that you find on this website is intended to promote discussion and is purely for information purposes only. This includes but is not limited to the concepts explained, the thoughts of our bloggers and writers, as well as our opinions and forecasts, whether implied or not, and is certainly not intended to be construed as financial advice.

Honest and appropriate financial advice should only be given when an advisor commits time to understand and appreciate your personal situation and considers your financial needs with a clear view of all your circumstances.

While we strive to ensure that whatever gets published here on WellSpent is accurate and honest, we must caution our readers that unintended errors may creep in. If you find any, please let us know and we’ll promptly correct them.

We will from time to time make reference to sources of information not our own, whether it is a book or a link to another website. In such circumstances we rely on the authors of that information to maintain the accuracy and integrity of that information, and would encourage you to apply the same level of care when reading third-party content as you would ours. We make no representations and provide no warranties as to the accuracy or completeness of the content on this site, whatever the source. We will however only publish material which we believe to be reliable and honest.

Having said the above, we disclaim all liability for any loss, expense or damage, either direct or consequential which may be suffered, either directly or indirectly as a result of the use or reliance upon any information on this website, whether published by WellSpent or through a link to a third-party website.

As is intended with this site, we would encourage you to do your own due diligence of financial products, insurance proposals, financial institutions, investment opportunities and savings products. Should you feel out of your depth; engage the services of a licensed and professional financial planner.

The terms of use upon which WellSpent and its content is made available to you

When you visit the WellSpent site, regardless of how you do so, you agree to the terms and conditions (T’s & C’s) as detailed below which we encourage you to read.

The Disclaimer which precedes this section, also forms part of this agreement and you should take the time to read it well.

Accessing our content and site does not require you to register in any way. You may however decide to sign up to our newsletter, for which we would require your name, surname & email address.

We may from time to time offer comparative and aggregation services and will provide you with the details of various financial products, offered by Financial Services Companies. This is done as independently and accurately as possible at the time of research.

Should you request to receive a WellSpent newsletter by signing up on our site, we will send you newsletters from time to time, as well as the odd piece of communication notifying you of changes to our site, new offerings, and things that we think you might be interested in hearing about. Should you no longer wish to receive these, you can simply unsubscribe by using the link at the bottom of the email or alternatively by contact us using the link at the bottom of this page.

There are elements of our website that permit you to request further information and request details from Financial Service Providers. In such circumstances, we cannot be held liable for any communications that happen between you and that Financial Service Provider.

We rely on the Financial Service Providers to provide us with information and as such, cannot be held liable for any liability of any nature which may be caused or attributable, directly or indirectly to your use of our aggregation services, viewing our content, or the use of any of our offerings contained on this site.

Accordingly, you indemnify us against any third-party claims, costs, or damages (including reasonable attorney’s fees) caused by or attributable to your use of our Aggregation and comparison services, or our site content in general.

As this is an agreement that you enter into with WellSpent, we will notify you of any changes to these T’s & C’s such that should you no longer wish to abide by these terms, you can discontinue uses our services and accessing our site.

Please email any questions, suggestions, or complaints you may have regarding these terms to the editorial team at editor@wellspent.co.za