By using the Toni van Zyl Financial Services website the Terms of Use apply to you and you agree to comply with the terms of Use.

Please address any comments or inaccuracies contained in the website to info@tvzfinancialservices.com.

1. Nature of website contents
- Information contained on the website is intended to serve as general information on the chosen subjects and not as an exhaustive treatment of those subjects.
- Calculations which may be displayed on the website are intended for the convenience of clients, may be approximations, and are intended only as guidelines. Should you wish to rely on any calculation you are advised to check the calculations before using them as Toni van Zyl Financial Services will not be liable for any inaccuracy in the calculation.
- Subscribing to any service or buying any product through the website is subject to Toni van Zyl Financial Services' contractual terms and conditions, and applicable legislation.
- Links to third party websites are provided for convenience only, and may be discontinued at any time. The fact that Toni van Zyl Financial Services provide a link to a third party website does not necessarily mean that we endorse, authorise, or sponsor that website, or that Toni van Zyl Financial Services are affiliated to such website's owners or sponsors.
- If any third party website, which is not under the direct control of Toni van Zyl Financial Services, can be accessed from a link displayed on the website, Toni van Zyl Financial Services shall not be responsible or liable for any content displayed on the third-party website.
- The content or information displayed on Toni van Zyl Financial Services' website or any third party website which may be accessed through links provided on the website is not intended as advice but merely as information. Before making any decision or taking any action based on any information displayed on the website or any such third party website that may affect your personal finances or business, it is recommended that you first obtain appropriate professional advice.

3. Invitation to do business
- Unless indicated in writing by Toni van Zyl Financial Services, nothing on the website shall constitute an offer for sale of any service or product.
- The information provided on the Toni van Zyl Financial Services website is not, nor must you regard it as financial or investment advice.
- If you wish to use the information displayed on the website to purchase any service or product or procure financial or investment advice from Toni van Zyl Financial Services, your request to do so shall be regarded by Toni van Zyl Financial Services as an offer to do business with us, which may be accepted by us if we choose.
- The acceptance of your offer will be subject to terms and conditions governing the service, product, or advice at the time of the acceptance of the offer.
" The responsibility for ensuring compliance with any laws or regulations which may apply to you, remain exclusively yours and in making an offer you are deemed to have indemnified Toni van Zyl Financial Services against any loss or damage that it may suff
er arising from your breaking any laws applicable to you.

4. No warranties
While Toni van Zyl Financial Services will take care to provide accurate information on our website, the information displayed on the website is provided without any express or implied warranty (guarantee that the information is correct) of any kind whatsoever. In particular, Toni van Zyl Financial Services does not warrant that it is appropriate or suitable for any particular purpose, that it is complete or accurate, or that it or any hardware on which it is stored is virus-free.

5. Restricted use
Unless otherwise indicated in writing, all information, products, and services displayed on or accessed through the Toni van Zyl Financial Services website are for your personal and non-commercial use only. You may not -
- Reproduce, modify, or create derivative works from; publish, distribute, transmit, or display; or license or transfer any of the content displayed on the website - unless you have Toni van Zyl Financial Services's prior written authorisation;
- Decompile, reverse engineer, or disassemble the website, a linked website, or any software employed in the display or operation of the website;
- Post on or transmit to the website content of an unlawful nature, for example: (a) content that is threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane; or (b) content that could damage Toni van Zyl Financial Services's image or impair its ability to do business;
- Use the website in a manner that could damage, disable, overburden, or impair any Toni van Zyl Financial Services's server (computer), or network connected to any Toni van Zyl Financial Services's server, or interfere with any other party's use of the Toni van Zyl Financial Services website;
- Interfere with any content displayed on the Toni van Zyl Financial Services website or attempt or gain unauthorised access (without Toni van Zyl Financial Services written consent) to the information displayed on the website to which you may not be authorised, or to any secure area on the website, a Toni van Zyl Financial Services server or any other part of the Toni van Zyl Financial Services information system. Any attempt, whether successful or unsuccessful, to interfere with the information displayed on the Toni van Zyl Financial Services website or to gain access to information or any part of the Toni van Zyl Financial Services information system to which you are not authorized, is unlawful and is an offence in terms of the provisions of Section 86 of the Electronic Communications and Transactions Act No. 25 of 2002, for which you may be prosecuted and, if found guilty, punished.
- Frame the website or any of its pages without Toni van Zyl Financial Services's prior written consent.

6. Electronic transactions, communications, and records
- When you communicate with Toni van Zyl Financial Services by electronic communication provided or as may be directed on this website, you consent to receiving responses to your communications by electronic communication addressed to you by Toni van Zyl Financial Services. You thereby agree that all electronic agreements, notices, disclosures, and other communications sent by Toni van Zyl Financial Services satisfy any legal requirement that such communications should be in writing.
- You accept the risks inherent in electronic communication in whatever form.
- You consent to Toni van Zyl Financial Services acting on the information communicated to Toni van Zyl Financial Services electronically. You are responsible to ensure that Toni van Zyl Financial Services has received the information communicated electronically.
- You acknowledge and consent that Toni van Zyl Financial Services, in its discretion, may retain and store your electronic communications as may be lawfully required. You agree that the electronic records stored by Toni van Zyl Financial Services will constitute rebuttable) proof (it may be challenged) of the content of the records.
- Any email communication sent to you will be regarded for the purposes of this agreement to have been received by you when it enters an information system outside of the control of Toni van Zyl Financial Services.

10. Privacy policy
Personal information transmitted to Toni van Zyl Financial Services will be treated in accordance with Toni van Zyl Financial Services's Privacy Policy.

11. No liability
Toni van Zyl Financial Services will not be responsible for any loss incurred or damages suffered (whether direct, indirect, special, or consequential) to you or any third party that may be attributable, directly or indirectly, to the use of, or reliance upon, any content displayed on the Toni van Zyl Financial Services website by you.

12. Warranties provided by you
For all purposes, you confirm that
- Your identity (that is, you are who you say you are), and that you can prove your identity should Toni van Zyl Financial Services require you to do so;
- That all information you provide at any time to Toni van Zyl Financial Services using the Toni van Zyl Financial Services website, in writing, will in all respects be current, complete, and accurate;
- That you will provide to Toni van Zyl Financial Services all material and relevant facts required by Toni van Zyl Financial Services as may be appropriate to any dealings you have with Toni van Zyl Financial Services. If you do not provide the information, or provide information that is incorrect, Toni van Zyl Financial Services may, at its choice, cancel the agreement or transaction arising from your dealings with Toni van Zyl Financial Services.

13. Intellectual property rights
- The website and all its content (including software, text, graphics, icons, hyperlinks, private information, and designs) are owned by Toni van Zyl Financial Services.
- As the intellectual property rights in the content referred to immediately above are protected against infringement by local and international legislation and treaties, it may not be used in any way without Toni van Zyl Financial Services written consent.

15. Indemnity
You agree to indemnify and hold harmless Toni van Zyl Financial Services, officers, employees, agents, licensors, suppliers, and any third party information providers from and against all losses and expenses (including attorney-and own client costs), resulting from any failure to adhere to these terms of use by you.

16. Jurisdiction and applicable law
Your use of the Toni van Zyl Financial Services website will for all purposes relating to its use, constitute your consent and submission to the jurisdiction of the High Court of South Africa (Cape of Good Hope Provincial Division).
Terms of Use
"Our mission is the creation & retention of wealth and the protection against financial risks for
each client based on a mutual relationship of trust and integrity."
Marijke Wilkin says:

"Wendell and I would like to thank you for all your hard work, professional service, friendship and for taking good care of our investments. It is such a pleasure to do business with you and your company. It is a sure sign of your professionalism that your company is going from strength to strength."

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