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FAIS License Information

Destiny Asset Managers (Pty) Ltd - FSP 868. Approved for Cat II.

Terms & Conditions for the use of the Destiny Asset Managers Website

By using this website you are bound by the following terms and conditions. This will constitute a binding agreement between Destiny Asset Managers (Pty) Ltd and yourself. The current version of these conditions will govern our respective rights and obligations each time you access this site.

Parties

All references herein to as "Destiny Asset Managers", "Destiny" or "we" shall be deemed, unless otherwise stated, to mean Destiny Asset Managers (Pty) Ltd. Capacity to enter into Agreements You hereby warrant to us that you have the required legal capacity to enter into and be bound by contractual terms. Minors must be assisted by their legal guardians when reading these conditions. If you are unsure whether you have the legal capacity to enter into agreements, contact someone able to provide you with this information before you continue using this site.

Jurisdiction

All transactions and interactions conducted by the medium of this website, whether in whole or in part, shall be subject to South African law and only South African courts shall have jurisdiction to hear disputes arising there from or from these Conditions. No alternative dispute resolution code is applicable to transactions and interactions conducted by the medium of this website, unless otherwise determined from time to time, in which case such dispute resolution codes are to be made electronically accessible to the user.

General Provisions

The headings of the clauses in the conditions are provided for convenience and ease of reference only and will not be used to interpret, modify or amplify the terms of the conditions. Where any dates or times need to be calculated in terms of the conditions, the international standard time: GMT plus two hours shall be used. No failure or delay by us to exercise any of our rights will be construed as a waiver of any such right, whether this is done expressly or implied, nor will it affect the validity of any part of these conditions or prejudice our right to take subsequent action against you. If any of these terms, conditions or provisions are held to be invalid, unlawful or unenforceable; the term, condition or provision will be deleted from the remaining terms, conditions and provisions which will continue to be valid to the full extent permitted by law.

Nature of Information on the Site

All information on this site is only intended to provide you with general information about us, our products, services and objectives. Nothing on this site should be treated as an offer but merely as an invitation to do business with us. We may provide information from time to time on: Projected revenues, income, earnings per share, capital expenditures, dividends, capital structure or other financial items; The plans, objectives and/or projections of the company for future operations; Future economic performance: and Investment products. Such information may only be estimations and actual events or results may differ. All information is provided "as is" and should not be treated as professional or investment advice of any kind. The information provided on this website does not constitute advice as defined in the Financial Advisory and Intermediary Services Act (FAIS). You should consult your own professional advisors before relying on any information on this site. Information contained on the website is updated on a regular basis. Due to the nature of the information posted, it becomes outdated rapidly. Users are therefore cautioned to independently verify the correctness of information contained on the website that may have become outdated. We accept no liability of any sort resulting from reliance being placed upon outdated information contained on the website by any user or other person. Whilst every effort is made to represent accurate financial and technical information on an ongoing basis, inadvertent errors and typographical inaccuracies may occur. Information, laws, rules and regulations may also change from time to time. Information contained on the website is therefore made available without any express or implied representation or warranty whatsoever, and we disclaims liability for any expenses incurred, or any damage, claims or costs sustained by users arising from use of the service or reliance being placed upon any information or representations contained on the website.

Termination, Suspension and Limitation

We may modify, suspend or discontinue the site, whether temporarily or permanently, without notice. We may also impose limits or conditions on the right to certain services, features or functions and we may restrict access to parts of or all of the services on the site.

Amendments to these Conditions

We may amend these conditions from time to time. By accessing this site you are bound to the version of the conditions published here at the time of any visit to this site. You agree to view the current version each time you access the site.

Conflict of Interest Policy

This policy is intended to comply with the procedures prescribed in Board Notice 58 of 2010 which amends the General Code of Conduct for Financial Services Providers and Representatives published in Notice 80 of 2003, as amended by Notice 43 of 2008. To access the Destiny Conflict of Interest Policy, please contact us on info@destinyam.co.za.

Information Feeds

We may use the services of other organisations to provide information on the site. We have no control over this information and make no representations or warranties of any nature as to its accuracy, appropriateness or correctness. You agree that such information is provided "as is" and we will not be directly or indirectly liable for any damages that may arise from your reliance on it. All quotes, news, market information or data shown on the site by way of live information feeds are delayed by at least 15 minutes unless otherwise stated. You should always select the "refresh" or similar page update function on your internet browser to ensure that the information you are viewing is the most current.

Linked Third Party Sites

This site may contain links to other websites with information and material produced by other parties. While we try to provide links only to reputable websites, we cannot accept responsibility or liability for the information provided on other websites. A link from our site to any other website does not mean that we have scrutinised or endorsed the owners or administrators of the websites or their business or security practices and operations.

Our Intellectual Property

We retain all copyright and other intellectual property rights in all material, including logos and other graphics and multimedia works published on or via the site. You are authorised to view and download one copy to a local hard drive or disk, print and make copies of such printouts, provided that: The material is used for considering use of the online services and for no other commercial purposes; Any reproduction of our proprietary material from this site or portion of it must include our copyright notice in its entirety. The logos and trademarks shown on this site are our registered and unregistered trademarks or that of third parties. Nothing on this site should be construed as granting any license or right to use any trademark without our prior written permission and/or that of third parties, as the case may be. You may not, without our prior written permission, use our intellectual property or that of third parties for any other purposes. An application to use our intellectual property must be submitted to info@destinyam.co.za. Upon receiving your application we will do our best to respond and enter into further discussions with you. If you don't get a written response from us within five business days, consider your request as having been rejected. Irrespective of the existence of copyright, you acknowledge that we are the proprietor of all material on the site, whether it constitutes confidential information or not, and that you have no right, title or interest in any such material.

Software

Software, if any, made available for download on or via our site is governed by licence conditions that establish a legal relationship with the licensor. You indemnify us against any breach of these licence conditions. We give no warranty and make no representation, whether express or implied, as to the quality or fitness for purpose of the use of such software. No warranty, whether express or implied, is given that any files, downloads or applications available via this site are free of viruses, trojans, bombs, time-locks or any other data or code which has the ability to corrupt or affect the operation of your computer, database, network or other information system.

Transmission of Information

Information transmitted via the internet, including e-mail, is susceptible to unlawful access or monitoring. Users shall bear all risk of transmitting such information in this manner and under no circumstances will Destiny Asset Managers be liable for any loss, harm or damage suffered by them as a result thereof.

Disclaimer and Limitation of Liability

Although we have taken care to ensure that the content on this site is accurate and that you suffer no loss or damage as a result of your use of this site, this site and the online services are provided "as is". Use of this site and the online services is entirely at your own risk. You assume full responsibility for the risk or loss resulting from your use of this site and your reliance on the material and information contained on it. We and our affiliates, shareholders, agents, consultants or employees are not liable for any damages whatsoever relating to your use of this site or the online services or the information contained on this site or your inability to use this site or the online services. This includes, without limitation, any direct, indirect, special, incidental, consequential or punitive damages, whether arising out of contract, statute, delict or otherwise and regardless of whether we were expressly advised of the possibility of such loss or damage. Without derogating from the generality of the above, we will not be liable for: Any interruption, malfunction, downtime or other failure of the site or online services, our system, databases or any of its components, for whatever reason; Any loss or damage arising from your orders, investment decisions, purchases or disposal of goods and services, including financial instrument(s) or currency, from third parties, based on the information provided on this site; Any loss or damage with regard to customer data or other data directly or indirectly caused by malfunction of our system, third party systems, power failures, unlawful access to or theft of data, computer viruses or destructive code on our systems or third party systems; programming defects; Any interruption, malfunction, downtime or failure of goods or services provided by third parties, including, without limitation, third party systems such as the public switched telecommunication service provider (currently Telkom), internet service providers, electricity suppliers (currently Eskom), local authorities and certification authorities; Any event over which we have no direct control.

Dispute Resolution Procedure

Any disputes will be dealt with in terms of the Destiny Asset Managers Dispute Resolution Procedure.

Breach

If a user commits any breach of these conditions or uses the online services or in any other manner interacts with the website in an unlawful or unauthorised manner, we shall be entitled to terminate the delivery of the service to the user immediately without prior notice, and without prejudice to our other rights in terms of these conditions or at law. Our Address for Notices and Service of Legal Process Our chosen address for any legal notice is: Block 7, Fairways Office Park, Niblick Way, Somerset West 7130

Your Privacy and Security

Destiny Asset Managers respects users' rights to privacy and confidentiality and consequently undertakes not to sell or exchange personal information with any third party outside of the the company for any purpose whatsoever. However, we reserve the right to disclose or report personal information in limited circumstances where it is believed in good faith, that disclosure is required under law, to co-operate with regulators or law enforcement authorities, to perform necessary credit checks or collect or report debts owed to Destiny to protect its rights or property, or to disclose information on reasonable request by the unit trust fund in which the investor has invested.