Terms & Conditions

1. Acceptance of Terms

By accessing or using the Impact Corporate Risk Managers website (www.impactbrokers.co.za), you agree to be bound by these Terms and Conditions. If you do not agree, please do not use this website.

Impact Corporate Risk Managers ("we", "us", "our") is an Authorised Financial Services Provider, FSP 44624, regulated by the Financial Sector Conduct Authority (FSCA) of South Africa.

2. Nature of Information on This Website

The content on this website is provided for general information purposes only. It does not constitute financial, legal, tax, or investment advice and should not be relied upon as such.

Any financial advice will only be provided following a proper needs analysis conducted by one of our authorised representatives, in accordance with the Financial Advisory and Intermediary Services Act (FAIS Act), 37 of 2002.

3. Currency Exchange Calculator

The currency exchange calculator available on the Investments page is provided for indicative purposes only. Exchange rates are sourced from publicly available data and may not reflect the exact rates offered by any financial institution. We do not offer currency exchange services.

4. Intellectual Property

All content on this website — including text, graphics, logos, images, and software — is the property of Impact Corporate Risk Managers or its content suppliers and is protected by applicable intellectual property laws.

You may not reproduce, distribute, or use any content from this website without our prior written consent.

5. Third-Party Links & Partners

This website may contain references to third-party partners including Capital Legacy and JD ELS Accounting. We are not responsible for the content or privacy practices of those organisations' websites. Links to external sites do not constitute an endorsement beyond the stated partnership.

6. Limitation of Liability

To the maximum extent permitted by law, Impact Corporate Risk Managers shall not be liable for any direct, indirect, incidental, or consequential loss arising from:

• Your use of, or inability to use, this website
• Reliance on any information provided on this website without obtaining formal advice
• Errors or interruptions in website availability

7. Privacy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

8. Complaints & Disputes

If you have a complaint about our services, please contact us directly in the first instance. If unresolved, you may escalate to the FSCA or the relevant Ombud:

• FSCA: www.fsca.co.za | 0800 20 37 22
• FAIS Ombud: www.faisombud.co.za | 012 762 5000
• Short-Term Insurance Ombud: www.osti.co.za | 011 726 8900

9. Governing Law

These Terms and Conditions are governed by the laws of the Republic of South Africa. Any disputes shall be subject to the jurisdiction of the South African courts.

10. Changes to These Terms

We reserve the right to update these Terms at any time. Changes will be posted on this page with a revised date. Continued use of the website after any changes constitutes your acceptance of the updated Terms.

11. Contact Us

For any questions regarding these Terms, please contact us: