Ownership and copyright

Copyright in all website content ("content") made available through this website is protected by intellectual property law. Unauthorised copying, reproduction, retransmission, distribution, dissemination, sale, publication, broadcast or other use, or exploitation of this material will constitute an infringement of such protection. The copyright in all material of Advantage Solutions (Pty) Ltd and Advantage (Pty) Ltd (collectively referred to as “Advantage”) published on this website shall continue to vest in Advantage. Your access to this website, and the information contained on it, does not in any way convey or transfer any right in or to the intellectual property rights of Advantage. If you so wish, Advantage hereby authorises you 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 purposes only;
The content is used for non-commercial purposes. You are expressly prohibited from incorporating any material of Advantage’s proprietary material from this website in any other work, publication or website; Any reproduction of Advantage’s content 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 the written permission of the owner thereof.

Content

This website is only intended to provide general information regarding Advantage and its products and services and it is not intended to provide exhaustive information of any subject dealt with. 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 could include technical, typographical or other inaccuracies and you are urged to contact Advantage to confirm all information contained on these pages prior to placing reliance thereon. Advantage expressly reserves the right, in its sole and absolute discretion, to alter or amend any criteria or information set out in this website without notice.

No Offer

No information or content contained on these pages should be construed as an offer by Advantage. All services offered by Advantage are subject to signature of the appropriate application forms, mandates and/or any other documentation relating thereto and are governed by the standard terms and conditions of Advantage in respect thereof and Advantage shall not be bound in any manner until a formal written agreement has been entered into. Advantage reserves the right to reject at its discretion any application submitted for services contained on this website.

‍‍Transmission of Information

Information transmitted via the Internet, including e-mail, is susceptible to monitoring and interception. You are discouraged from transmitting to Advantage any information, which may be confidential, proprietary or sensitive. You shall bear all risk of transmitting such information in this manner and under no circumstances will Advantage be liable for any loss, harm or damage suffered by you as a result thereof. Advantage reserves the right to request independent verification of any information transmitted via email.

‍‍Links to Third-Party Sites

Advantage may provide hypertext links to websites on the Internet which are operated by third-parties. Visitors are advised to use caution and discretion when searching or accessing such links. Under no circumstances does Advantage take responsibility for the content and/or services or products offered on third-party websites that may be linked to this website and Advantage gives no warranty, guarantee and makes no representation in respect of such linked websites.

‍Regulation and Compliance

Advantage are licensed financial services providers and our business is regulated by the Financial Sector Conduct Authority (FSCA).

Advantage is committed to the Treating Customers Fairly (“TCF”). For further information on the TCF outcomes, please contact us directly.

Promotion of Access to Information Act

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. A copy of our PAIA Manual may be obtained from our offices or upon written request to Advantage’s Governance Team: Email: brenda@cicollective.co.za or candace@advantageteam.co.za

Governing Law

‍Financial Advisory and Intermediary Services Act, no 37 of 2002 ("FAIS")

Advantage are authorised financial services providers in terms of the Financial Advisory and Intermediary Services Act No. 37 of 2002 (FAIS).

Financial Intelligence Centre Act, no 38 of 2001 ("FICA")

As an accountable institution, we are required to comply with FICA and other anti-money laundering legislation such Protection of Constitutional Democracy Against Terrorist and Related Activities Act, No 33 of 2004 ("POCDATARA"). FICA requires us to establish and verify the identities of our client according to the ‘Know Your Client' provision of the Act, prior to transacting. In addition, FICA requires any suspicious transactions to be reported to the Financial Intelligence Centre.

‍‍Corporate Governance

‍In terms of good corporate governance and in addition to complying with our primary legislation, Advantage provides the following statutory disclosures and information:

License Status

Advantage Solutions (Pty) Ltd is licensed as a Category II Discretionary Financial Services Provider in terms of FAIS, licence number 18490.

Advantage (Pty) Ltd is licensed as a Category 1 Financial Services Provider in terms of FAIS, license number 47564.  (hereafter collectively referred to as " Advantage").

‍Professional Indemnity, Fidelity Insurance or Guarantees

Advantage holds professional indemnity insurance underwritten by Sintelum (Pty) Ltd.

‍Conflict of Interest Disclosure

The FAIS General Code of Conduct covers conflict of interest and requires that intermediaries disclose to their clients the existence of actual or potential conflicts of interest. This means any situation in which an intermediary or representative has an interest that may influence the objective performance of his obligations to his client or may prevent an intermediary from rendering an unbiased financial service.

We have adopted and implemented a Conflicts of Interest Management Policy to ensure that we comply with FAIS and we confirm that, in the event that there is a potential conflict of interest in respect of the service rendered the interest of our client will be given priority over our own interests and the client will be informed of any potential conflicts of interests.

A full copy of our Conflicts of Interest Management Policy may be obtained from our offices or upon written request to Advantage’s Governance Team:

Email: brenda@cicollective.co.za or candace@advantageteam.co.za    

Complaints Resolution Procedure

If you are dissatisfied with any aspect of the financial service provided by Advantage your first course of action will be to contact the following person in writing with full details of the problem, you have encountered:

Mr John Eckstein, the registered key person

Company’s postal address:

PO Box 411939

Craighall, 2024.

‍The complaint should include the client’s details, details of the complaint and any documentary proof, where applicable.

Upon receipt of the above-mentioned information relating to the complaint, your complaint will be acknowledged by an Advantage employee, who will assist in the resolution of your complaint.

‍Where possible, Advantage shall endeavour to resolve your complaint within 5 business days of receipt, taking into account the nature of the complaint.

Advantage will keep a full record of each complaint received and all subsequent correspondence for such periods as prescribed by the relevant legislation.

If you are dissatisfied with our response, you are entitled to refer the complaint to the FAIS Ombudsman whose offices have been established to provide clients with a redress mechanism for any inappropriate financial advice or intermediary services that may have been given.  

The details of the FAIS Ombud’s office:

FAIS OMBUD,

Kasteel Park, Orange Park, 2nd Floor, 546 Joechemus Street, Erasmuskloof, Preoria  

Tel (012) 762 – 5000.

www.faisombud.co.za

Compliance Officer Details

‍The Advantage compliance Officer is Ms Jaconette de Beer (CO 6171),

Tel + (27) 21 883 8000,

E-mail: jaconette@moonstonecompliance.co.za

‍Risk & No Liability

Your use of this website and the information contained therein is entirely at your own risk and you assume full responsibility in respect of any loss or damage resulting from the use thereof. Neither Advantage, its affiliated companies, holding company, subsidiaries or subsidiaries of its holding company, or their officers, agents, consultants or employees shall be liable for any direct, consequential or indirect loss or damages suffered by a visitor or any other person relating to the use of this website or the information contained therein. The visitor hereby indemnifies Advantage and its suppliers from and against any and all losses, liability, cost or damages suffered or incurred by a visitor 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.

‍‍Force Majeure‍‍

Advantage will not be held responsible for a failure in performance or breach of these terms and conditions caused by circumstances and/or an event beyond our control, including any interruption, malfunction, breakdown or failure of power supply, the internet, the website, any telecommunications systems, or any computer hardware or software.

‍‍Jurisdiction

These terms and conditions shall be governed by and construed in accordance with the laws of the Republic of South Africa.

‍‍‍Disclaimer

Advantage strives to ensure that the content on this website is up to date and accurate. Whilst all care is taken by Advantage in the preparation of the content of this website, the content is provided "as is" and no warranty, express or implied, is given or made by Advantage. If Advantage becomes aware that the information on the website is inaccurate or out of date it will use its reasonable endeavours to remove it or take other appropriate action. Advantagereserves the right to alter or amend any information on this website without notice. 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 on this site is not intended to and does not constitute solicitation, recommendation or advice, and Advantage does not purport to act in any way as a financial advisor. Advantage 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 on this website. The website may contain links to other websites, for information purposes, which are not under the control of and are not maintained by Advantage. Advantage shall not be responsible for any loss or damage suffered by you as a result of using the links provided on the website. The copyright and all other rights in the information on this website is owned by or licensed to Advantage. 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 Advantage. You are prohibited from copying, reproducing, modifying, distributing, republishing, displaying, posting or transmitting any part of the website without the permission of Advantage. 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.

Advantage Johannesburg

54 Peter Place

1st Floor, Blackburn House

Peter Place Park

Bryanston

T. +27(0)11 463 9600

Advantage Cape Town

1st Floor, West Offices

Panorama House, Tygerberg Park

163 Uys Krige Drive

Plattekloof, Cape Town

T. +27 (0)21 936 950

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