Legal notice and disclaimer

Legal Notice And Disclaimer

Thank you for visiting our website. Before you proceed, please read and make sure that you understand these terms and conditions of this website.

1. Introduction

This website, (“website”), is owned and operated by Chrome Wealth Holdings (Pty) Limited (“Chrome Wealth”, “we” or “our”) a private company registered in the Republic of South Africa, registration number 2017/102097/07, with its registered business address at Aintree Park, 1 Loch Close, Kenilworth, Cape Town.

You can contact us at: +27 (21) 671 3175 or 

2. Acceptance

By accessing this website, you acknowledge and agree that access to this website is provided in accordance with these Terms & Conditions and by using and accessing this website you indicate that you have read and accepted these Terms & Conditions.

You acknowledge that we may update or amend these Terms & Conditions from time to time, at our sole discretion.  The latest version of our Terms & Conditions will be posted and made available on our website. You undertake to check the Terms & Conditions on our website regularly for any changes, as such changes will be binding on you.  By using our website after we have updated our Terms & Conditions, you will be accepting of these updates or amendments.

3. Ownership & Copyright

You acknowledge and agree that we retain all copyright, website content (“content”) and intellectual property rights made available through this website. All information displayed on the website is subject to the copyright of Chrome Wealth or its licensors. All trademarks, logos and designs, whether registered or not, used on this website are those of Ci and are protected by intellectual property laws.

Your access to this website does not in any way convey or transfer any right in or to the intellectual property rights of Chrome Wealth. Unauthorised copying, reproduction, retransmission, distribution, dissemination, sale, publication, broadcast or other use, or exploitation of this material will constitute an infringement of such protection.

You are authorised to view, copy, download to a local drive, print and distribute the content of this website, or any part thereof, if:

  • The content is used for personal information purposed only and for no other commercial purposes. You may not incorporate any proprietary material from this website in any other work, publication or website;

  • Any reproduction of our proprietary material from this website or portion thereof must include this notice in its entirety; and

  • The trademarks, logos and service marks may not be used without our written permission.

Irrespective of the existence of copyright, you acknowledge that we are the owner of all material on this website, whether it constitutes confidential information or not, and that you have no right, title or interest in any such material.

4. Information on the website

The information on this website is only intended to provide you with general information about us, our products and our services. The information may only be estimations and actual events or results may differ.

The information in this website including, without limitation, all research, opinions or other content is therefore not intended nor does it constitute financial, accounting, tax, legal, investment, consulting or other professional advice or services. Before making any decision or taking any action, which might affect your personal finances or business, you should consult your own professional advisors.

This website may include technical, typographical or other inaccuracies and you are urged to contact us to confirm all information contained on these pages before placing any reliance on the information. We expressly reserve the right, in our sole and absolute discretion, to alter or amend any criteria or information set out in this website without notice.

5.  Promotion of Access to Information (PAIA)

 Section 51 of The Promotion of Access to Information Act No. 2 of 2000 requires that we, as a private body, compile a manual giving information to the public regarding the procedure to be followed in requesting information from us for the purpose of exercising or protecting rights. Please download our PAIA manual here.

 6. No Offer

No information or content contained in this website should be interpreted as an offer. All of our services offered are subject to signature of the appropriate application forms and other related documentation and are governed by our standard terms and conditions. We shall, therefore, not be bound in any way until a formal written agreement has been entered into. We reserve the right to reject at our discretion any application submitted for services contained in this website.

7. Transmission of Information

No information or content contained in this website should be interpreted as an offer. All of our services offered are subject to signature of the appropriate application forms and other related documentation and are governed by our standard terms and conditions. We shall, therefore, not be bound in any way until a formal written agreement has been entered into. We reserve the right to reject at our discretion any application submitted for services contained in this website.

8. Links to Third Party Sites

This website may contain hypertext links to websites on the Internet which are operated by third parties. Visitors to our website are advised to use caution and discretion when searching or accessing such links. Under no circumstances do we take responsibility for the content and/or services or products offered on third party websites that may be linked to this website and we give no warranty, guarantee and make no representation in respect of such linked websites.

Links to third party websites are provided only for your convenience and you remain solely responsible for complying with the terms and conditions applicable to such third-party websites.

9. Disclaimer

Chrome Wealth strives to ensure that the content on this website is up to date and accurate. Due to the nature of the content, information contained on the website is updated regularly. We, therefore, request you to independently verify the correctness of information, as it may have become outdated.

Whilst all care is taken by us to represent accurate financial and technical information on an ongoing basis, inadvertent errors and typographical inaccuracies may occur. Information, laws, rules and regulations may also change from time to time. The content is provided “as is” and no express or implied representation or warranty is given. If we become aware that the information in the website is inaccurate or out of date we shall endeavour to remove it or take other appropriate action. Chrome Wealth reserves the right to alter or amend any information in this website without notice. We accept no liability of any sort resulting from you or any other person placing reliance on outdated information contained on the website.

The information, research, opinions and recommendations contained in this website are for general information purposes only and must be interpreted solely as statements of opinion and not statements of fact. The information in this website is not intended to and does not constitute solicitation, recommendation or advice, and Chrome Wealth does not intend to act in any way as a financial advisor. Chrome Wealth accepts no liability for or in any respect of any direct, indirect or consequential liability, loss or damage of any kind or nature, howsoever arising, from the reliance on, or use of, information provided in this website.

Chrome Wealth disclaims liability for any expenses incurred, or any damage, claims or costs sustained by users arising from the reliance being placed on the use of links, services or any information or representations contained in the website which are not under our control and which are not maintained by us.

The copyright and all other rights in the information in this website is owned by or licensed to Chrome Wealth. Access to and use of the website is subject to these terms and all applicable laws. You are invited to browse the website for your personal information, education and communication about us. You are prohibited from copying, reproducing, modifying, distributing, republishing, displaying, posting or transmitting any part of the website without our permission. You may view or print individual pages only for your own personal, non-commercial use provided you keep intact all copyright and other proprietary notices.

10. Risk &Limitation of Liability

Your use of this website and the information in this website is entirely at your own risk and you assume full responsibility in respect of any loss or damage resulting from the use thereof. Chrome Wealth (including our affiliated companies, holding company, subsidiaries or subsidiaries of its holding company, or their officers, agents, consultants or employees) shall not be liable for any direct, consequential or indirect loss or damages suffered by you or any other person relating to the use of this website or for relying on such content, other than damage and loss caused by our gross negligence or wilful misconduct or that of our employees or agents.

You hereby indemnify us and our suppliers from and against any and all losses, liability, cost or damages suffered or incurred by you or any other person arising out of or in connection with the use of the website or any other website which can be accessed from this website, however such loss or liability may occur, and whether such loss or liability is foreseeable, financial, personal, consequential, incidental or otherwise.

Without detracting from the generality of the above exclusions and limitations of liability, you acknowledge and agree we will not be liable for:

  • Any interruption, malfunction, downtime or other failure of the website or online services, our system, databases or any of its components;

  • Any loss or damage with regard to customer data or other data directly or indirectly caused by malfunction of our system, third party systems, power failures, unlawful access to or theft of data, computer viruses or destructive code on our system or third party systems, programming defects; and/or

  • Any event over which we have no direct control

11. Jurisdiction

These terms and conditions are governed by and interpreted in accordance with the laws of the Republic of South Africa.

All transactions and interactions conducted in this website shall be subject to South African law and only South African courts shall have jurisdiction to hear disputes arising from such transactions or from these Terms & Conditions. The Terms & Conditions do not, however, restrict, or purport to restrict, your right to submit a complaint to any other body in terms of applicable law, including consumer and financial services laws which cannot be altered by contract.

12. Unit Trust Disclaimer

Collective Investment Schemes in Securities (Unit Trusts) are generally medium to long term investments. The value of participatory interests (units) may go down as well as up and past performance is not a guide to future performance. Collective Investment Schemes are traded at ruling prices and can engage in borrowing and scrip lending. Different classes of participatory interests apply to these portfolios and are subject to different fees and charges. A schedule of fees and charges and maximum commissions is available on request from Chrome Wealth. Commission and incentives may be paid and if so, are included in the overall costs. A fund of funds is a portfolio that invests in portfolios of collective investment schemes, which levy their own charges, which could result in a higher fee structure for these portfolios. Forward pricing is used. Fluctuations or movements in exchange rates may cause the value of underlying international investments to go up or down. The funds may be closed at any time in order for them to be managed in accordance with their mandate.