Legal Information
FirstRand International Wealth Management Holdings Limited
FirstRand International Wealth Management Holdings Limited ("FRIWM") is an unregulated non-operating holding company and as such is not regulated to undertake any financial services business.
TERMS & CONDITIONS OF USE
Important Information
Any use of this web site is subject to these Terms & Conditions and any contrary use is unauthorised. Please read these Terms & Conditions carefully and note that they may be revised at any time and that your subsequent and any continued use of this site constitutes your continued acceptance of any such revised Terms & Conditions.
Access
FRIWM reserves the right to terminate or restrict your access to this site for any or no reason, at any time and without notice. We may also at any time amend or remove any content of this site without notice to you.
Your access will be monitored and in order to improve our service to you, we will occasionally use a “cookie”. A cookie is data that our web server sends to your web browser when you visit certain parts of our site. The cookie’s main objective is to identify you and to personalise your visit by customising your web pages.
Accuracy
Although this site and its content have been compiled with considerable care, it may not be accurate or complete. It may also include technical errors from time to time which are beyond our control. FRIWM advise you to confirm the accuracy of any information supplied before seeking to rely on such information.
FRIWM shall have no liability for any data transmission errors such as data loss or damage or alterations of any kind arising out of the use of this site.
Opinions expressed are made at the time of writing and are subject to change without notice.
Investment Restrictions and Warnings
Products or services mentioned in this site are subject to the legal requirements and regulations of the applicable jurisdiction. They may not be available in all jurisdictions. This website is not aimed at, nor an offer to buy or sell investment funds, in any jurisdiction (including without limitation the United States of America) other than those set out in the relevant prospectus of a fund.
The value of investments and the income derived from them may fluctuate and you may not receive back the amount originally invested. Past performance is no guarantee of future performance. Currency movements may also affect the value of investments. The investments [and the investment services] referred to on this site may not be suitable for all investors.
The information in this site is limited to general information about FRIWM. It does not constitute individual investment advice. Should you wish to seek financial advice, please contact an Independent Financial Adviser [link]. Investments in any fund promoted by FRIWM must be made pursuant to and in accordance with its prospectus.
Data Protection and Privacy Policy
Information provided by you will be held in confidence by FRIWM and will not be passed on by FRIWM to other product or service companies other than those associated with FRIWM or of its holding company. By accepting these terms and conditions, you are confirming that your details may be used by FRIWM or any entity associated with it or its holding company to send you information on other products and services that they offer. If you prefer not to receive such information, please contact FRIWM. You have the right to obtain a copy of any information held about you (See below).
Third Party Relationships
We provide third party links for your convenience. FRIWM do not assume any responsibility for the content of such websites nor the services or products offered through them. We will never make your name or address available to unconnected parties.
Prospectus
FRIWM issue a prospectus for each fund it promotes. The prospectus contains complete information on investment objectives, past performances, charges and expense. A prospectus can be obtained from FRIWM. Please read the prospectus carefully before you invest.
Although you may contact FRIWM by e-mail regarding any queries as to the information on this site, we advise that confidential information sent by e-mail may not be secure. You can visit us in person or contact us via telephone in regards to confidential information. When we contact you by telephone or when you telephone us, calls are recorded and may be monitored to ensure security for you and to help maintain our service quality.
Copyright
The entire content of this website is copyright material of FRIWM unless otherwise indicated. This site is purely for browsing purposes and you may copy information from this site for your own private or domestic use. All other copying is prohibited.
You must not at any time interfere with or violate the security of this site or use this site in a manner which adversely affects its functionality.
Waiver and Limitation of Liability
This site and all site materials are provided on an “as is” and “as available” basis.
FRIWM makes no representations or warranties of any kind, whether express or implied. By using this site, you assume any and all risks that this site and any content on it may be incomplete, inaccurate, out of date or not meet your requirements.
In no event shall FRIWM be liable for any direct, indirect, punitive, incidental, special or consequential damages arising out of or in any way connected with the use of this site or any information that is contains. Should the law of a particular jurisdiction not allow the exclusion or limitation of liability for any type of damages then our maximum liability for any type of damages shall be limited to £500.00.
DATA PROTECTION AND PRIVACY STATEMENT
General
FRIWM is regulated in the carrying on of investment business by the Jersey Financial Services Commission.
FRIWM is a wholly owned subsidiary of FirstRand Group.
All personal information obtained by FRIWM on or through this website is processed in accordance with the Data Protection Law, 2005.
Personal Data
Please do not send us any personal data if you object to such information being processed by us in the ways described below.
No personal or sensitive data will be used other than for the purpose for which it was originally obtained and all personal data shall be processed fairly and lawfully.
Client Database
Should you contact us via this website, your contact details may be added to our client database. Information provided by you will be held in confidence by FRIWM and will not be passed on by FRIWM to other product or service companies other than those associated with FRIWM or of its holding company. By accepting these terms and conditions, you are confirming that your details may be used by FRIWM or any entity associated with it or its holding company to send you information on other products and services that they offer. If you prefer not to receive such information, please contact FRIWM. You have the right to obtain a copy of any information held about you.
If you do not wish to be included in the client database, please notify us at the following address:
FirstRand International Wealth Management Holdings Limited
PO Box 239, 17 Hilary Street
St Helier, Jersey, JE4 8SJ
Channel Islands
Alternatively you can email us at enquiries@friwm.com
Please mark all correspondence in this respect for the attention of the Data Protection Officer.
Right of Access to Personal Data
You may request and receive copies of any personal data that FRIWM may hold about you. Should you wish at any time to receive a copy of this information, please contact the Data Protection Officer at the above address. Any such request should be in writing and should clearly identify who you are.
Right of Rectification or Erasure
You may request that any inaccuracies in the data we hold about you be corrected, and that any personal data that we hold about you, which we do not have a legitimate reason to retain, be erased.
Cookies
Upon entering the FRIWM website your computer will automatically be issued with a cookie. This is a file that identifies your computer (but not your individual identity) to our server. The information we obtain may include your Internet Protocol or "IP" address (a unique number assigned to each computer connected to the internet), the date, time and duration of your visit. FRIWM will only use cookies for the purpose of monitoring the use of its website and may update the website accordingly to make it more user-friendly.
Right to Refuse Cookies
You have the option to deactivate cookies within your Internet settings. The procedure for doing so will vary depending on the system you are operating. By way of example, if you are using Internet Explorer 6.0 to browse the internet, you may deactivate cookies by selecting 'Tools', 'Internet Options', choosing the 'Privacy' tab, clicking on 'Advanced', checking the 'Override Automatic Cookie Handling' box, and choosing 'Block' or 'Prompt' as appropriate.
Accuracy and Completeness of Data
FRIWM endeavours to ensure that all data held are accurate, complete and up-to-date. We shall hold no more data than necessary for the purpose for which we hold such data. It is our policy to review from time-to-time this data and delete any, which is no longer necessary.
Amendment to Privacy Statement
FRIWM reserves the right to amend this privacy statement at any time without notice. It is therefore recommended that it be viewed on a regular basis in order to monitor any such changes.
Acceptance of Privacy Statement
By using the FRIWM website you are accepting the terms of this privacy statement. Should you not agree to any of these terms then you should not continue to use the website.
PRIVACY POLICY
This Privacy Policy governs the manner in which First National Bank ("we", "our", the Bank") treats your personal information collected electronically when you use our website (which can be found at www.fnb.co.za), apply online for certain products and services, contact us electronically or register for one of the services offered on the website.
We respect your privacy and your personal information and for this reason, we take all reasonable measures, in accordance with this Policy, to protect your personal information and to keep it confidential, even when you are no longer our customer.
We also voluntarily subscribe to the principles, outlined in Section 51 of the Electronic Communications and Transactions Act 2002 ("ECT Act"), which govern your right to having your personal information kept private. We briefly outline these principles below:
- We will only collect, disclose, collate, process and store ("use") your personal information with your express written permission unless legally required to do so, and will only use such information for the lawful purpose for which it is required.
- We will disclose in writing, the specific purpose for which we use, request and store your personal information. We will also keep a record of that personal information and the specific purpose for which we collect it.
- We will not use your personal information for any other purpose, other than that which we disclosed to you, unless you give us your express written permission to do so, or unless we are permitted to do so by law.
You hereby provide us with your express written permission to use your personal information, share certain of your personal information with an affiliate party (which includes companies within the FirstRand Group, our subsidiaries, our shareholders and other business partners), to analyze and combine your personal information for the purposes of compiling a profile of you, and to send promotional material to you in the ordinary course of our business of providing you with the services.
What is Personal Information?
Personal information refers to information that identifies or relates specifically to you, for example, your name, age and identity number, your assets and liabilities, your income and your payment records. Any information about what you buy, where you shop, where you bank, how you invest and all related information will also be regarded as personal information. In short, any information that we know about you will be regarded as your personal information.
How we collect your Personal Information
Whenever you use this website, complete an application form, contact us electronically, or use one of the services or facilities offered by us or any affiliate party, we will collect your personal information.
Why and How we collect and use Personal Information
In order to make your use of this website and all products and services offered on this website as successful and pleasurable as possible, it is necessary for us to find out exactly what you need and want from us. The following are reasons why we would collect your personal information:
- to identify you;
- in order for us to process your instructions or requests;
- in order for us to ensure that we meet your needs, we may collect and analyse your personal information and combine all the information that we have about you to compile a profile of you in order for us to personalise and tailor our services to meet your specific needs;
- once we have collected and analysed your personal information, we may send you promotional material or details which we think may be of interest to you. If any of this promotional information relates to products, promotions, news or services of an affiliate party, and if you indicate that you would like more details, we may inform the affiliate party to contact you directly. We will however, only inform an affiliate party to contact you directly if you have indicated that this is agreeable to you.
Your privacy is important to us. We will therefore not sell, rent or provide your personal information to unauthorised entities or other third parties, for their independent use, without your consent.
If at any stage, after you have given us your consent, you no longer wish us to use or share your personal information with an affiliate party, you may at any stage withdraw your consent.
Protection of your Personal Information
We value the information that you choose to provide us with and will therefore take reasonable steps to protect your personal information from loss, misuse or unauthorised alteration. The information we maintain concerning our customers is stored in databases that have built-in safeguards to ensure the privacy and confidentiality of that information.
When you use the services or facilities provided by us, you may be given an access number, user name, password and/or personal identification number (PIN). You are responsible for maintaining the secrecy and confidentiality of your user name, access card, password and/or personal identification number ("PIN").
Correction of Personal Information
If you ever want to update or correct any of your personal information held by us, kindly contact us at the Internet banking helpline on 0860 11 22 44. Alternatively, you can update and correct your information yourself by logging onto Internet Banking.
Personal Information held by or disclosed by you to a third party
Because we are not responsible for any representations or information or warranties or content on any website of an affiliate party (including websites linked to this website or websites facilitated by us), we do not exercise control over affiliate parties' privacy policies and you should refer to the privacy policy of any such affiliate party to see how such party protects your privacy.
Cookies
You agree that we shall be entitled to send "cookies" from this website to your computer. We use the word "cookie" to refer to information that is sent from this website to your hard drive, where it is saved and contains information to personalise your experience on this website. In this way, the next time you use this website we will know who you are and that you have visited this website before.
Changes to this Privacy Policy
We reserve the right, in our sole discretion to amend (including without limitation, by the addition of new terms and conditions) this Privacy Policy from time to time. You agree to review the Privacy Policy whenever you visit this website for any such amendments. Save as expressly provided to the contrary in this Privacy Policy, the amended version of the Privacy Policy shall supersede and replace all previous versions thereof.
Which laws apply
This Privacy Policy will be governed by and construed and interpreted in accordance with the laws of South Africa. To the extent that a court has jurisdiction over any dispute which may arise out of or in connection with this Privacy Policy, we both submit to the jurisdiction of the South African courts.
