Website Terms & Conditions
1. About us
This Site is operated by Heptagon Capital and Heptagon Wealth (together, "Heptagon", "we", or "us"). Heptagon Wealth is an authorised Financial Services Provider (FSP 9968). Heptagon Capital is an accredited Old Mutual franchise operating under FSP 703.
2. Information on the Site
The information on this Site is provided for general informational purposes only. It does not constitute financial, investment, tax, legal, or other professional advice, and should not be relied on as such. Always seek tailored advice from a qualified adviser before making any financial decision.
While we take reasonable care to ensure that the information on the Site is accurate and current at the time of publication, we make no warranty, express or implied, regarding the accuracy, completeness, or reliability of any information on the Site.
3. Financial advice
A formal financial advice relationship is established only after we have engaged with you directly, gathered the information necessary to understand your circumstances, and provided you with a written Record of Advice in accordance with FAIS. Nothing on this Site, including marketing materials, blog posts, or general guidance, constitutes such advice.
4. Use of the Site
You may use the Site for lawful, personal, and non-commercial purposes only. You may not:
- Use the Site in any way that breaches any applicable law or regulation
- Attempt to gain unauthorised access to the Site, its servers, or any connected database
- Introduce viruses, malware, or any other harmful or disruptive material
- Use the Site to send unsolicited communications or to harvest personal information
- Reproduce, duplicate, copy, sell, or otherwise exploit any part of the Site or its content for commercial purposes without our written consent
5. Intellectual property
All content on the Site, including text, logos, images, designs, and code, is the property of Heptagon or our licensors and is protected by South African and international copyright, trade mark, and other intellectual property laws. You may view, download, and print content from the Site for personal, non-commercial use only.
The Heptagon name, logo, and related marks are trade marks of Heptagon. You may not use them without our written permission.
6. Third-party content and links
The Site may include links to or content from third parties, such as embedded forms, booking widgets, or articles. We do not control these third parties and are not responsible for the content, accuracy, or privacy practices of any third-party site or service.
Where you submit information through a third-party widget embedded on our Site (for example, our booking and contact forms), your information is also subject to the privacy policy and terms of the third-party provider.
7. Forms, bookings, and submissions
By submitting information through any form on the Site, you confirm that:
- The information provided is accurate and complete
- You consent to us processing the information in accordance with our Privacy Policy
- You consent to us contacting you using the details you have provided
8. Disclaimers
To the maximum extent permitted by law:
- The Site and its content are provided "as is" and "as available", without warranties of any kind, express or implied
- We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components
- Past performance referenced on the Site is not indicative of future results
- Examples, illustrations, and case studies are for educational purposes only and do not represent guaranteed outcomes
9. Limitation of liability
To the maximum extent permitted by law, we will not be liable for any loss, damage, claim, or expense (including indirect, incidental, or consequential losses) arising out of or in connection with your access to or use of the Site, or your reliance on any information contained on the Site.
Nothing in these terms is intended to exclude or limit any liability that cannot lawfully be excluded or limited, including the protections afforded under the Consumer Protection Act, 68 of 2008.
10. Privacy and personal information
Your use of the Site is subject to our Privacy Policy, which explains how we collect, use, and protect your personal information in accordance with POPIA.
11. Cookies
The Site uses cookies and similar technologies. By using the Site, you consent to our use of cookies as described in our Privacy Policy. You may manage cookies through your browser settings.
12. Changes to the Site and these terms
We may change the content, structure, or functionality of the Site at any time without notice. We may also amend these Terms and Conditions from time to time. The current version will always be available on this page. Your continued use of the Site after changes are posted constitutes acceptance of the revised terms.
13. Governing law and jurisdiction
These Terms and Conditions are governed by the laws of the Republic of South Africa. Any dispute arising out of or in connection with these terms or the Site will be subject to the exclusive jurisdiction of the courts of South Africa.
14. Severability
If any provision of these Terms and Conditions is held to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
15. Contact
If you have any questions about these terms, please contact us:
Email: talktous@heptagonc.com
Telephone: +27 11 660 1291
WhatsApp: +27 60 541 4685