Disclaimer

Last updated: January 15, 2024

1. General Information Disclaimer

The information contained on MoneyToday website and related social media accounts is provided for general informational purposes only. All information on the site is provided in good faith, however we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the site.

Under no circumstance shall we have any liability to you for any loss or damage of any kind incurred as a result of the use of the site or reliance on any information provided on the site. Your use of the site and your reliance on any information on the site is solely at your own risk.

2. Financial Information Disclaimer

Not Financial Advice

The content on MoneyToday, including but not limited to articles, reviews, market analysis, and investment insights, is for educational and informational purposes only and should not be construed as:

• Personal financial advice
• Investment recommendations
• Professional financial consultation
• Legal advice
• Tax advice
• Accounting advice

Professional Consultation Required

Always consult with qualified financial professionals before making any financial decisions. This includes, but is not limited to:

• Licensed financial advisors
• Registered investment advisors
• Certified public accountants
• Tax professionals
• Legal professionals specializing in financial matters

3. Investment Risk Disclaimer

Risk Factors

When discussing investments, financial products, or market opportunities, please be aware that:

• Market Risk: Investment values can fluctuate due to market conditions
• Currency Risk: Investments in foreign currencies or markets may be affected by exchange rate fluctuations
• Credit Risk: Risk of loss due to counterparty default
• Liquidity Risk: Some investments may be difficult to sell quickly
• Inflation Risk: Returns may not keep pace with inflation
• Interest Rate Risk: Changes in interest rates can affect investment values
• Political Risk: Government policies and political stability can impact investments

South African Market Specific Risks

Investments in South African markets carry additional risks including:

• Emerging market volatility
• Currency fluctuations affecting the South African Rand
• Regulatory changes in financial services
• Economic and political developments

4. Product Review Disclaimer

Review Methodology

Our product reviews of financial services, banks, investment platforms, and other financial products are based on:

• Publicly available information
• Our editorial assessment and research
• Industry standards and best practices
• User feedback and market reputation

Review Limitations

Please note that our reviews:

• Reflect conditions at the time of publication
• May not reflect your individual circumstances
• Are subject to change as products and services evolve
• Should not be the sole basis for financial decisions

No Endorsements

Reviews on MoneyToday do not constitute endorsements of any financial product or service. We do not guarantee the accuracy of product information, and you should verify all details directly with the relevant financial institution.

5. Market Data and Information

Market data, financial information, and news content provided on MoneyToday:

• May be delayed or not real-time
• Is sourced from various third-party providers
• May contain errors or omissions
• Should not be relied upon for trading or investment decisions

6. Regulatory Compliance Disclaimer

South African Financial Services

MoneyToday is not a licensed financial services provider under South African law. We do not:

• Provide financial advice as defined by the Financial Advisory and Intermediary Services (FAIS) Act
• Act as a financial services provider
• Offer investment management services
• Accept deposits or handle client funds

Regulatory Bodies

For licensed financial advice in South Africa, consult professionals registered with:

• Financial Sector Conduct Authority (FSCA)
• South African Reserve Bank (SARB)
• Financial Planning Institute of South Africa (FPI)

7. External Links Disclaimer

MoneyToday may contain links to external websites operated by third parties. We do not control these websites and are not responsible for:

• Their content or privacy practices
• The accuracy of information provided
• Any transactions or dealings you may have with them
• Their terms of service or policies

8. Content Accuracy and Updates

While we strive to keep information accurate and up-to-date:

• Information may become outdated
• We may not immediately reflect all changes in financial products or regulations
• Users should verify current information independently
• We reserve the right to modify content without notice

9. Personal Circumstances

Financial decisions should always consider your personal circumstances, including:

• Financial situation and income
• Investment objectives and risk tolerance
• Time horizon for investments
• Tax situation
• Family and personal obligations
• Existing financial commitments

10. No Warranties

MoneyToday provides all content "as is" without warranties of any kind, either express or implied, including but not limited to:

• Accuracy or completeness of information
• Fitness for a particular purpose
• Non-infringement of third-party rights
• Uninterrupted or error-free operation

11. Limitation of Liability

To the fullest extent permitted by South African law, MoneyToday and its contributors shall not be liable for any:

• Direct, indirect, incidental, or consequential damages
• Loss of profits, data, or business opportunities
• Financial losses resulting from use of our content
• Damages arising from reliance on information provided

12. User Responsibility

By using MoneyToday, you acknowledge that:

• You are responsible for evaluating information independently
• You will not rely solely on our content for financial decisions
• You will seek professional advice when appropriate
• You understand the risks associated with financial decisions

13. Changes to Disclaimer

We reserve the right to modify this disclaimer at any time. Changes will be posted on this page with an updated "Last updated" date. Continued use of the website after changes constitutes acceptance of the modified disclaimer.

14. Contact Information

If you have questions about this disclaimer, please contact us: