What you should know if we refer you to a financial adviser, insurer, accountant, bond specialist or other professional.
Legal document status — draft
The legal documents available on this website are currently draft documents prepared for the initial operation of Lifestyle Calculator. They are provided as an interim framework and are subject to review, amendment and approval by a South African attorney and/or suitably qualified compliance professional.
These documents will be updated once the legal and compliance review has been completed. The final versions may contain additional provisions, amendments or changes required to ensure that the website's terms, privacy practices, consumer disclosures and financial-services positioning are appropriately aligned with applicable South African legislation.
The publication of these draft documents does not constitute a representation that Lifestyle Calculator is currently compliant with every law, regulation, licence requirement, registration requirement or regulatory obligation that may potentially apply to the website or its activities.
Users should refer to the latest published version of each document once the legal review has been completed.
Any adviser, insurer, investment provider, accountant, bond originator or other professional we refer you to is independent of the Lifestyle Calculator unless we tell you otherwise in writing.
Whether the business receives a referral fee, commission or other benefit for a referral is: [TO BE CONFIRMED BY THE BUSINESS]. This must be confirmed and disclosed here before any referral arrangement goes live.
You are free to use any provider you prefer. A referral is not a recommendation that the provider is the best or the cheapest option for you.
The third party is solely responsible for its own advice, products and services, and for its own licensing, disclosures and record keeping. We do not supervise their advice.
We do not state that any adviser is an authorised financial services provider unless that authorisation has actually been verified. You can and should confirm an adviser's FSP status yourself before taking advice.
We do not represent that any referred adviser or service provider is suitable for a particular user unless we say so expressly and can support it. Any financial advice given after a referral is provided by that third party and is subject to its own regulatory, contractual and disclosure obligations.
No referral, introduction, advertising arrangement or commercial relationship may be interpreted as a guarantee of the quality, performance or suitability of the referred provider. Verify credentials, authorisation, licence status, fees and services independently before engaging anyone.
The referral model itself is subject to review by a South African FAIS/FSCA compliance specialist before any commission or referral-fee arrangement goes live.
The Financial Help section of the website is a lead-generation, referral and appointment-setting facility. It does not provide personalised financial advice, recommend financial products or determine whether a product is suitable for you.
Where you request professional assistance, we may share the information you provide with a relevant service provider, subject to the consent you give at the time of the request, so that the provider may contact you about your enquiry. We record the wording you accepted, the date and time of your consent, and the versions of the privacy notice and terms in force at that time.
Any financial advice, recommendation, quotation, application or financial product transaction will be provided directly by the relevant service provider. You should verify that any financial services provider you deal with is appropriately authorised where required by law.
Lifestyle Calculator may receive compensation from service providers for qualifying referrals or enquiries. This does not constitute an endorsement or recommendation of any provider or financial product. The provider receives a qualified enquiry, not an endorsement.
You may ask us to stop sharing your information for referral purposes, or withdraw your consent to future contact, by using the contact details in the Privacy Policy.
Questions about this document? Visit Contact us, or raise a formal issue on the Complaints page.