Legal Notices

RA Direct service providers disclosures

WP Brokers


1.1 WP Brokers is a trading as name of the financial service provider DIY Bond CC, a duly authorised financial service provider, represented by the following financial planner:         Wikus Pretorius, CFP ® WP Brokers    (021) 813-9902 (phone) 18 Keurboom Street   086 648 2772 (fax) Durbanville      082 417 2303 (cell) Cape Town (e-mail) 7550    wikus_pretorius (skype) 1.2 Should you not be satisfied with the advice or service   rendered by the financial adviser, you may lodge a written complaint with his Compliance Officer: Compliance Officer    (028) 316 - 1566 (phone) WP Brokers    0866482772 (fax) PO Box 1261 (e-mail) Durbanville   7551 1.3 WP Brokers does not directly or indirectly hold more than 10% of any product provider's shares, or any equivalent substantial interest in such product provider. 1.4 WP Brokers has professional indemnity insurance cover in force. 1.5 WP Brokers or their representatives are not investment   portfolio managers. 1.6 WP Brokers do not assume responsibility for the performance of investments nor for the timing of portfolio changes. 1.7 WP Brokers are mandated by the following companies to   market their products:

RA Direct’s Commitment to protecting your personal information

RA Direct (”WP Brokers / JPE Brokers”) is committed to respecting and maintaining the privacy and security of its client's personal and confidential information (collectively "Personal Information"/ "Information") submitted to the Brokers (”WP Brokers / JPE Brokers”) via the website (the "Website"). This privacy and security statement (the "Statement") outlines RA Direct’s practices and commitment to its clients in this regard. RA Direct takes all reasonable steps to ensure that it aligns its business practices with the terms of this statement. RA Direct values you as a client. We will therefore treat all your Personal Information as private and confidential and undertake to deal with your Information in a responsible and lawful manner. RA Direct will take all reasonable steps to prevent unauthorised access to your Personal Information. Please note that RA Direct will only request Personal Information required for the purposes of assessing and providing you with a quote for the product requested. This information is essential to conclude your agreement and a legal requirement. RA Direct will only process your Personal Information for purposes consistent with the normal course of our business to uphold our legitimate interests. RA Direct is required by law, to process and maintain your Personal Information in accordance with prescribed standards or generally accepted information management practices (including prescribed retention periods) to ensure that your information is complete, accurate, up to date and secure. RA Direct will not disclose your Personal Information to any third party except in the normal course of our business or where required by law. You may request access to records of your Personal Information that we maintain. RA Direct will make the Information available to you following receipt of your request. You may notify us in writing of any inaccuracies reflected in the Information that we maintain and verify, so we will correct your Information. How RA Direct Processes your Personal Information You will be able to explore the majority of services offered on the Website without our collecting any Personal Information from you. We do however, gather and analyse information on our visitors' routine use of the Website. We use this information to monitor which are the most frequently visited areas of the Website, to assist us to continue developing a value-added service. This information is aggregated (so individual personal information, behaviour or patterns cannot be identified). RA Direct assumes no obligation to protect this information, and may copy, distribute or otherwise use such information without limitation. For the purpose of business communications, administration and transacting, we may collect and subsequently process certain Personal Information. This will enable RA Direct to: Respond to queries or requests submitted by you Process applications Resolve problems with services previously rendered Create products and services that may meet your future requirements To compile non-personal statistical information about browsing habits, click-patterns and access to the RA Direct Website. RA Direct may periodically conduct online customer care surveys to facilitate the enhancing of service standards. When it conducts a survey, RA Direct will inform the customer how the information gathered will be used, and will provide the customer with the opportunity to opt-out from such surveys. RA Direct may enter into business arrangements whereby its customer base is one of the more valued assets. In such an event, Personal Information will be one of the transferable assets. RA Direct will collect, process and maintain disclose or otherwise deal with your Personal Information only with your consent, in respect of marketing services or products, consent to collect or use information shall be express ( e.g. signing an agreement or clicking on the I agree icon). RA Direct may collect, process, maintain, disclose or otherwise deal with your Personal Information, without your knowledge and consent, in the following circumstances: Required by law This most often relates to government tax reporting requirements or in terms of a court order or if required in terms of legislation or in accordance with the common law. When RA Direct is served with due legal process requiring the delivery of Personal Information, it has the legal duty to abide by that demand, and will do so. RA Direct will, however, in all instances required by law, only disclose the Personal Information specifically requested. Necessary to protect RA Direct interest This will not be used as a reason for disclosing Personal Information about a customer or a customer's accounts (including name and address) to anyone else, including other companies within Plandirect Network for marketing purposes. However, basic procedures that protect RA Direct interests sometimes lead to the disclosure of specific customer information. These instances are limited and the disclosure of information, restricted to what is reasonably required in the circumstances. In the public interest RA Direct may be required to disclose Personal Information for matters of public interest (e.g. to assist in the prevention of crimes). Before complying with these requests, RA Direct will take every precaution to ensure the authorities involved have legitimate grounds to make such a request; and For statistical purposes RA Direct may process and disclose Personal Information, for statistical purposes, that does not relate to you or any person specifically (i.e. de-identified information) as it deems appropriate. Anti-Spam RA Direct will never sell your email address to third parties for purposes of email spamming. If you have agreed to this, RA Direct may use your Personal Information to send you information on new services or products that may be of interest to you and from time to time will mail, email or SMS information to you about us, our products and services, or our partners and their products or services. If you do not wish to continue receiving this information, you may contact us and we will remove you from our mailing list. Unsubscribing RA Direct offers the User the opportunity to opt-out of receiving marketing or promotional communications from WP Brokers. This can be done by way of unsubscribing from all email communications facility. Technology and Security on the Website To prevent unauthorized access, maintain data integrity and ensure the appropriate use of information, RA Direct have established appropriate physical and technological protocols to safeguard the Personal Information you provide to us. WP Brokers will update and enhance these measures on an ongoing basis, to ensure they remain appropriate and relevant. Interception of Communications Subject to the provisions of the Regulation of Interception of Communications (RIC) Act 70 of 2002, you hereby agree to RA Direct right to intercept, block, filter, read, delete, disclose and use all communications sent or posted by the User to the Website, its staff and employees. You agree and acknowledge that the consent provided by you, herein, satisfies the "writing" requirement as detailed in the ECT Act and the RIC Act. Third Party Sites The RA Direct Privacy and Security Statement applies only to Personal Information collected at RA Direct Website. The RA Direct Website may contain links to other websites. While we try to link only to sites that share our high standards and respect for privacy, we are not responsible for the content or the security or privacy practices employed by other sites. We encourage you to read the privacy policy for any site that requests Personal Information from you. Updating of the Statement: RA Direct reserves the right to amend or modify its Privacy and Security Statement at its sole discretion, at any time, without any prior notice to the User, in response to meeting legislative requirements and dynamic business needs. All amendments to the Statement will be posted on the Website. Unless otherwise stated, the current version shall supersede and replace all previous versions of this Statement. General This Privacy and Security Statement is incorporated into the Website Terms and Conditions. The consumer is afforded the ability to review any electronic transaction to correct mistakes.

Terms and Conditions

Online Application Process To subscribe for the service(s), you must complete the online application. By using the services, you agree to be bound to RA Direct’s Policy Terms and Conditions. On receipt of your Application Form, RA Direct will take such steps, as in its sole discretion it deems necessary, to evaluate your application and to verify whether, in completing the Application Form, you have provided RA Direct with complete and accurate information about yourself and your banking details for processing debit order deductions for payment, also insofar as you are requesting RA Direct to provide you with the required producty, the information contained in the Application Form pertains to you personally. The application process is incomplete until you have the opportunity to review the entire transaction and correct any mistakes, or to withdraw from the transaction completely. By clicking on the "submit" button, you are deemed to have submitted an offer to subscribe for the Online Service selected ("order") and you will not thereafter be able to cancel the Order unless RA Direct expressly agrees thereto. You understand that once RA Direct has received the Application Form and processed the Order, you will have no right to cancel the Order, subject to your right to terminate the product within the cooling-off period. Payment You agree that RA Direct will be paid a advisor fee from the chosen insurer ("insurer") where your product is underwritten, as stipulated on the policy schedule. You hereby authorise RA Direct to instruct the insurer to debit your bank account, on a monthly basis, as payment for your policy, using the bank account information provided in your Application Form, effective from the date of inception of your policy, for so long as your policy remains in force and effect. You hereby agree that the insurer is not obliged to refund any payment made by you in this manner, nor shall you be entitled to reverse such payment, for any reason whatsoever. Verification You hereby agree that all orders and any other communications which purport to originate from you, or a person who had authority to act on your behalf in respect of such order or communication, or an information system programmed by or on your behalf to operate automatically (unless it is proved that such information system did not properly execute such programming) (collectively "the originator"). This would also apply to those which are sent to RA Direct electronically and which may (as a result of interception, equipment malfunction, the distortion of communication links or any other reason whatsoever) be different from the instructions actually sent or given, or may not have been given by you at all, shall be deemed to have been given by the Originator in the form actually received by RA Direct. You will further be bound by such communication with no liability of whatever nature, attaching to RA Direct, in regard thereto. You waive any rights you may have or may obtain against RA Direct arising directly or indirectly from any loss or damage of whatsoever nature which you may suffer as a result of the fact that RA Direct acts on your orders or communications, or orders or communications that purport to emanate from you and you indemnify RA Direct against all and any claims, liabilities, losses, costs, fines, damages and expenses, arising as a result of the fact that RA Direct acted on your instructions/ orders or instructions/ orders which purport to emanate from you. Confirmation of Orders and Conclusion of the Transaction The advertising of the Online Service(s) via the Website merely constitutes an invitation by RA Direct for you to make an offer to apply for the Online Service(s). RA Direct reserves the right not to accept and/ or comply with the order for any reason whatsoever, on notice to you. Should RA Direct accept your order, it will, as soon as is reasonably possible thereafter, consider your application and notify you of its decision to grant you a product and the terms thereof. You hereby confirm and agree that the transaction between yourself and RA Direct will be deemed to have been concluded at the place where and the time when the insurer confirms its decision and communicates same to you. Communications from RA Direct to the User By placing an order for the Online Service(s), you agree that RA Direct may transmit any related information, in respect of the Online Service(s) and your policy to you telephonically, by e-mail, facsimile or SMS, using the contact information you provided in the Application Form. You hereby agree that RA Direct may send you electronic communications relating to your order and/ or the Online Service(s) offered via the Website from time to time before and after delivery, provided you will be given the opportunity to cancel your subscription to RA Direct mailing list at any time upon providing RA Direct with written notification to that effect or by using the unsubscribe link provided. Disclosures in terms of Section 43 of the Electronic Communications and Transactions Act 25 of 2002 ("ECT Act") In compliance with section 43(1) of the Electronic Communications and Transactions Act your attention is drawn to the following information: About your financial services provider (FSP) See ‘RA Direct service providers disclosures

Legal disclaimer

The information contained in this website is intended but not guaranteed to be complete, correct and up to date. This information is made available, without any representation or warranty, either express or implied. RA Direct accepts no responsibility for the suitability or accuracy of the information and any errors or omissions that may occur. The policy terms and conditions on this website are for information purposes only as they may change from time to time and may not be the most recent version. We therefore caution against relying on these terms and conditions when taking out a product with RA Direct. The information and content on this website are subject to change without notice. RA Direct may, in its sole discretion, at any time, suspend or terminate the operation of this website or any products or services provided on this website, without prior notice. The product afforded in terms of information contained in this website is subject to the terms and conditions found in the policy contract of the product. Copyright in respect of all works found on the website and which have been created and developed by WP Brokers or on instruction for WP Brokers, shall vest in WP Brokers. Any reference to or use of a product, service or process of a third party does not imply recommendation, approval or affiliation to the product, service or process by RA Direct. RA Direct accepts no liability whatsoever for any loss, whether direct, indirect or consequential arising from information made available on these pages and for any actions or transactions resulting there from use of the website and any actions arising there from shall be governed in all respects by the law of the Republic of South Africa. By using this website, the user consents to the jurisdiction of the courts of South Africa in respect of all disputes. If you would like any more information about our website and the contents of this policy please contact

Promotion of Access to Information Act no.2 of 2000

1. Introduction The Promotion of Access to Information Act gives effect to the constitutional right of access to any information held by the state and any information that is held by another person and that is required for the exercise or protection of any rights. Specifically, section 51(1) of the Act provides that within six months after the commencement of this section (now the 31st December 2011) or within six months after coming into existence of the private body concerned, the head of a private body must compile a manual that must contain information regarding the subjects and categories of records held by such private bodies. In this context, a "private body" is defined as any natural person who carries or has carried on any trade, business or profession, but only in such capacity or any partnership which carries or has carried on any trade, business or profession or any former or existing juristic person (e.g. any company, close corporation or business trust). RA Direct falls within the definition of a "private body" and this Manual has been compiled in accordance with the said provisions and to fulfil the requirements of the Act. In terms of the Act, where a request for information is made to a body, there is an obligation to provide the information, except where the Act expressly provides that the information may not be released. In this context, Section 9 of the Act recognises that access to information can be limited. The limitation relates to circumstances where such release would pose a threat to the protection of privacy, commercial confidentiality, and the exercising of efficient governance. Accordingly, this manual provides a reference to the records held by RA Direct providers and the process that needs to be adopted to access such records. All requests for access to information (other than information that is available to the public) must be addressed to the Head of the Business named in section 2 of this Manual. 2. Business and Contact Details Name of Business: DIY Bond CC Head of Business: Mr WJ Pretorius Position: Key Individual Postal Address: PO Box 1261, Durbanville, Cape Town, South Africa, 7551 Physical Address: 18 Keurboom Street, Durbanville, Cape Town, South Africa, 7550 Phone Number: 082 417 2303 Fax Number: 086 648 2772 Email Address: Website: 3. Manual and Guidelines Any enquires relating to this guide should be directed to the Chief Executive Officer of the South African Human Rights Commission, 2nd Floor, Braampark Forum 3, 33 Hoofd Street, Braamfontein. Telephone 011 877 3750 or Fax 011 403 0668. Copies of the Guide are also available at the following places: The office of the Government Communications and Information Services; Library of Parliament, Cape Town; The South African Library, Cape Town; Natal Society Library, Pietermaritzburg; The State Library in Pretoria; City Library Services, Bloemfontein; The National Film, Video and Sound Archives, Pretoria; Copies of the Guide are also available in all official languages at the following offices: All offices of public bodies; All Magistrates’ Offices; All offices of the Department of Justice and Constitutional Development; All Post Offices; The Guide is also available at all offices and on the website of the South African Human Rights Commission, 4. Records that are held at the offices of the business The following is a list of records that are held at the business’s office: Administration Correspondence Founding Documents Licences (categories) Statutory Returns Human Resources Statutory Records Training Records Operations Contracts General Correspondence Finances Annual Financial Statements Banking Records Contracts Financial Transactions General Correspondence Insurance Information Tax Records (company and employee) Statutory Records Financial Advisory and Intermediary Services Act 37 of 2002 Financial Intelligence Centre Act 38 of 2001 5. Information Request Procedure The requester must use the prescribed form to make the request for access to a record. A request form is available from our offices or at The request must be made to the Head of Business named in Section 2 above. This request must be made to the address, fax number or electronic mail address of the business. The requester must provide sufficient detail on the request form to enable the Head of Business to identify the record and the requester. The requester should also indicate which form of access is required. The requester should also indicate if any other manner should be used to inform the requester. If this is the case, please furnish the necessary particulars to be so informed. The requester must identify the right that is sought to be exercised or to be protected and must provide an explanation of why the requested record is required for the exercise or protection of that right. If a request is made on behalf of a another person, the requester must submit proof of the capacity in which the requester is making the request to the satisfaction of Head of Business aforesaid. The prescribed request fee must be attached. We will respond to your request within 30 days of receiving the request by indicating whether your request for access has been granted or denied. Please note that the successful completion and submission of a request for access form does not automatically allow the requestor access to the requested record. Access will be granted to a record only if the following criteria are fulfilled: The record is required for the exercise or protection of any right; and The requestor complies with the procedural requirements set out in the Act relating to a request; and Access to the record is not refused in terms of any ground for refusal as contemplated in Chapter 4 of Part 3 of the Act. 6. Denial of access Access to any record may be refused under certain limited circumstances. These include: The protection of personal information from unreasonable disclosure concerning any natural person; The protection of commercial information held concerning any third party (for example trade secrets); The protection of financial, commercial, scientific or technical information that may harm the commercial or financial interests of any third party; Disclosures that would result in a breach of a duty of confidence owed to a third party; Disclosures that would jeopardize the safety or life of an individual; Disclosures that would prejudice or impair the security of property or means of transport; Disclosures that would prejudice or impair the protection of a person in accordance with a witness protection scheme; Disclosures that would prejudice or impair the protection of the safety of the public; Disclosures that are privileged from production in legal proceedings unless the privilege has been waived; Disclosures of details of any computer programme; Disclosures that will put DIY Bond CC trading as WP Brokers at a disadvantage in contractual or other negotiations or prejudice it in commercial competition; Disclosures of any record containing any trade secrets, financial, commercial, scientific, or technical information that would harm the  commercial or financial interests of DIY Bond CC trading as WP Brokers Disclosures of any record containing information about research and development being carried out or about to be carried out by DIY Bond CC trading as WP Brokers If access to a record or any other relevant information is denied, our response will include: Adequate reasons for the refusal; and Notice that you may lodge an application with the court against the refusal and the procedure including details of the period for lodging the application. 7. Fees The applicable fees are prescribed in terms of the Regulations promulgated under the Act. There are two basic types of fees payable in terms of the Act. Request Fee The non-refundable request fee of R 50 (excluding VAT) is payable on submission of any request for access to any record. This does not apply if the request is for personal records of the requestor. No fee is payable in such circumstances. Access Fee The access fee is payable prior to being permitted access to the records in the required form. The applicable fees are prescribed in terms of Part III of Annexure A as identified in Government Notice Number 187, Regulation 11. 7. Manual Availability This Manual is available at the offices of the South African Human Rights Commission. The Manual is also available at Copies may also be obtained from the Head of Business of DIY Bond CC trading as WP Brokers In respect of hard copies, any transmission costs or postage will be for the account of the requester.

Internal Policy on Conflict of Interest and Register of non-cash incentives

Objective In accordance with a financial services provider’s obligation to act in the best interest of his or her client, it is not permissible for a financial services provider to engage in conduct, whether by acting or failing to act, which would amount to a conflict of interest with that of the client. The primary objectives of this policy are: To provide guidance on the behaviors expected in accordance with the Code of Conduct. To promote transparency and avoid conflicts of interest. To ensure fairness in the interests of clients. To document the process for the disclosure, which may amount to actual, potential or perceived conflicts of interest. Process and Requirements Whenever RA Direct renders a financial service, it must disclose to clients the existence of any personal interest in the relevant service, or of any circumstance which gives rise to an actual or potential conflict of interest in relation to such service, and take all reasonable steps to ensure fair treatment of the client. Non-cash incentives offered and/or other indirect consideration payable by another provider, a product supplier or any other person to RA Direct, could be viewed as a potential conflict of interest. Disclosure will take the form of a specific disclosure of any personal interest in a specific service, as well as a general disclosure regarding non- cash incentives in RA Direct’s Contact Stage Disclosure letter, as well as the maintenance of a Register of Non-Cash Incentives. The details of any non-cash incentives offered and/or other indirect consideration paid to RA Direct by any other FSP, a product supplier or any other person will be recorded in the non-cash incentives register. The register will be available on the premises should a client wish to obtain further details. Personal Interest includes: Insurance where RA Direct sells the product of a smaller product provider company in which RA Direct has a financial interest for example, is a shareholder in the company. Instances where the interest is other than a reasonable amount of commission. Instances where the RA Direct partakes in some sort of profit share with the product provider company. Non-cash incentives include: Offshore trips, seminars, holidays or other substantial gifts offered where there is an expectation to do, give or provide something in return for the product provider; Prizes or incentives offered to RA Direct to reach a certain sales target for a specific product; Special commission rate given to RA Direct if RA Direct sell’s a certain product; Small gifts such as lunches, golf days, rugby tickets, promotional will also be recorded in the register of non-cash incentives. Fair Treatment of the Client: At all times RA Direct must be able to show that where there were similar products that may have been suitable with similar benefits, that the product recommended would have been recommended regardless of the incentive offered to RA Direct.
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Legal Notices


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