Terms of use and financial disclaimer

FFREEDOM is an independent South African digital publication dedicated to financial education. FFREEDOM is a product of 1st Group Capital (Pty) Ltd, an authorised financial services provider with FSP licence number 49632.

By using this website you agree to these terms. If you do not agree, please do not use the site.

Everything published on FFREEDOM is general financial education and information. It does not take your personal objectives, financial situation or needs into account and is therefore not financial advice as contemplated in the Financial Advisory and Intermediary Services Act 37 of 2002.

Before acting on anything you read here, speak to an accredited financial services representative. Past performance is never a guarantee of future results, and the value of investments can fall as well as rise.

Our newsroom decides what to cover. Advertisers and sponsors have no influence over editorial judgement, article selection or conclusions.

Any commercial relationship that could reasonably affect how you read a piece is disclosed on that piece.

Sponsored placements are clearly labelled as sponsored wherever they appear. Advertisers are responsible for the accuracy and legality of their own creative and claims.

We reserve the right to decline or remove any advertising that conflicts with our editorial standards or with South African financial services regulation.

Comments are moderated. We remove content that is spam, unlawful, defamatory, hateful, that promotes a scam or unregistered financial product, or that contains external links.

You are responsible for what you post, and you grant us a non-exclusive licence to display and moderate it on the publication.

Articles, imagery, layout and code on FFREEDOM belong to 1st Group Capital (Pty) Ltd unless credited otherwise. You may quote short extracts with clear attribution and a link back to the original article.

Our logo and brand assets may be used only in line with the conditions on our branding pack page.

We work hard to keep the publication accurate and available, but we do not warrant that it will be uninterrupted or error free. To the fullest extent permitted by law, and subject to the Consumer Protection Act 68 of 2008, we are not liable for any loss arising from reliance on the content of this website.

Links to third-party websites are provided for convenience and do not imply endorsement.

These terms are governed by the laws of the Republic of South Africa, and the South African courts have jurisdiction over any dispute arising from them.

We may update these terms from time to time. The version published on this page is the version that applies.