TERMS AND CONDITIONS

1. Whilst cashkows.com has taken reasonable care to ensure that the information contained in this website is accurate, it cannot guarantee the accuracy of the information nor does it make any representations or give any warranties or guarantees regarding the security, compatibility, reliability, completeness or freedom from viruses of the content or information contained herein or that such content or information shall be up to date, uninterrupted or error free.
2. The information contained in this website does not constitute advice as defined in the Financial Advisory and Intermediary Services Act (2002) and it is suggested that the user consults one of the cashkows.com’ advisers or their own financial adviser should they require financial advice.
3. Cashkows.com, its directors, officers and employees shall not be held responsible and hereby disclaim all liability for any loss, damage (whether direct, indirect or consequential) and/or expense of any nature whatsoever, which may be suffered as a result of or which may be attributable directly or indirectly to the use of the website or the reliance upon any information, link or service provided through the website.
4. The reports submitted by cashkows.com to users are compiled from information received from third parties and therefore cashkows.com does not warrant or guarantee or make any representations regarding their correctness or accuracy.

1. Cashkows.com and its employees respect the privacy of the user and the confidentiality of their personal information and shall take all reasonable steps to protect it and maintain its confidentiality. However, cashkows.com does not guarantee the security of any information transmitted by the user online and the user does so at their own risk.
2. Personal information that is supplied online shall only be used and processed by cashkows.com to the extent necessary to enable it to meet its obligations required by the user.
3. Cashkows.com shall not disclose the user's personal information to third parties without the user's consent, unless legally required to do so.

Cashkows.com provides retirement annuity and other investment policy encashments, emigration services as well as related financial and administrative services. Selected services may be paid for via online credit card transaction processing, details of which are laid out below.

1. Delivery policy
   Completed emigration packs and other administrative documents are emailed to our clients.
   
2. Return and Refunds policy
   In the event that your emigration cannot be formally registered with the South African authorities any monies paid for said service will be refunded to you.
3. Payment options accepted
   Payment may be made via Visa, MasterCard, Diners or American Express credit cards or by bank transfer into the cashkows.com bank account, the details of which will be provided on request.
4. Credit card acquiring and security
   Credit card transactions will be acquired for cashkows.com via PayGate (Pty) Ltd who are the approved payment gateway for Standard Bank of South Africa. PayGate uses the strictest form of encryption, namely Secure Socket Layer 3 (SSL3) and no credit card details are stored on the website. Users may go to www.paygate.co.za to view their security certificate and security policy.
5. Customer details separate from card details
   Customer details will be stored by cashkows.com separately from card details which are entered by the client on PayGate’s secure site. For more detail on PayGate refer to www.paygate.co.za
6. Merchant Outlet country and transaction currency
   The merchant outlet country at the time of presenting payment options to the cardholder is South Africa. Transaction Currency is South African Rand (ZAR).
7. Responsibility
   cashkows.com takes responsibility for all aspects relating to the transaction including sale of services sold on this website, customer service and support, dispute resolution and delivery of service.
8. Country of domicile
   This website is governed by the laws of South Africa and cashkows.com chooses as its domicilium citandi et executandi for all purposes under this agreement, whether in respect of court process, notice, or other documents or communication of whatsoever nature, 7 Marine Square, College Road, Hermanus.
9. Variation
   cashkows.com may, in its sole discretion, change this agreement or any part thereof at any time without notice.
10. Company information
    This website is run by cashkows.com PTY (Ltd) based in South Africa with registration number 2009/023667/07 and R Viljoen, S Porter and B Davis (Directors)

1. Cashkows.com is an authorized financial services provider registered with the Financial Services Board (FSP No. 42872) rendering the following services:
   • the sourcing and cashing out of financial policies identified by cashkows.com for the client,
   • emigration services,
   • rendering financial advice,
   • any other service rendered to the client by cashkows.com to enable the completion of the cash payout of their policies identified by cashkows.com.
2. Any financial service(s) rendered to the client shall be liable for payment by the client in accordance with the fees displayed on the website.
3. The content of this website is the property of cashkows.com and is protected by copyright laws. Users of the website acquire no rights in the website other than the limited right to use the website in accordance with the terms and conditions.
4. The user hereby warrants that all the information that they provide to cashkows.com is true and correct and is full disclosure of all material facts.
5. The user hereby authorizes cashkows.com to use any of the information that they provide to cashkows.com in order for cashkows.com to perform the services, required by the user.
6. Use of this website or the information and services available on the website shall be governed by and construed in all respects in accordance with the laws of South Africa and subject to the exclusive jurisdiction of the South African courts.
7. Cashkows.com is an accountable institution in terms of the Financial Intelligence Centre Act (FICA) and is obliged to report any suspicious or unusual transactions that may amount to or facilitate money laundering.
8. Compliance Monitoring Systems cc has been appointed as cashkows.com’s External Compliance Practice with Alan Holton appointed as the Compliance Officer in terms of section 17(1) of the Financial Advisory and Intermediary Services Act 2002. Their contact details are alan@cmsys.co.za or +27 82 413 6565.

1. Should a client have a complaint against cashkows.com, they should lodge such complaint in writing with cashkows.com, containing all relevant information and attaching copies of all relevant documentation. Complaints can be emailed to legal@cashkows.com, faxed to +27 88 028 312- 2467 or posted to Postnet Suite 154, Private Bag x16, Hermanus, 7200.
2. Cashkows.com shall promptly acknowledge receipt of a complaint to the client and shall furnish the client with the details of the person responsible for dealing with the complaint. Caskows.com undertakes to deal with all complaints in a timely and fair manner.
3. If within 6 weeks of receipt of a complaint, cashkows.com has been unable to resolve the complaint to the satisfaction of the client, cashkows.com shall notify the client that the complaint may be referred to the Office of the Ombud for Financial Service Providers (“the Ombud”) if the client wishes to pursue the matter. The client should do so within 6 months of receipt of such notification.
4. The Ombud’s details are: P.O Box 74571 Lynnwood Ridge 0400, Tel: +27 12 470-9080; Fax: +27 12 348-3447; info@faisombud.co.za and www.faisombud.co.za.