Issuer: Cofi Compliance [insert legal entity name]
Website: https://coficompliance.com/
Effective date: [insert date]
Version: 1.0
1. Acceptance of terms
By accessing or using this website, you agree to these Terms of Use. If you do not agree, you should not use the website.
2. Website owner
This website is operated by Cofi Compliance [insert legal entity name] ("Cofi Compliance", "we", "us", "our").
3. Website purpose
The website provides general information about Cofi Compliance's services, regulatory-update monitoring, COFI/FAIS fulfilment support, fit and proper support, website compliance review, competitor compliance analysis, careers, and related content.
4. No legal, financial, tax, or regulatory advice through website use
Website content is general information only. It is not legal advice, financial advice, tax advice, regulatory advice, or a substitute for professional advice based on your specific facts. No client relationship, advisory mandate, or compliance-practice engagement is created merely because you use the website, view a video link, download a document, or submit a general enquiry.
A formal engagement begins only when Cofi Compliance confirms the scope, fees, terms, and acceptance of an engagement in writing.
5. Accuracy and updates
We aim to keep website content useful and current, but regulatory information changes frequently. We do not guarantee that website content is complete, current, accurate, or suitable for your specific circumstances. You should confirm applicable requirements before relying on any information.
6. Third-party links and embedded content
The website may link to or embed third-party content, including FSCA materials, YouTube videos, regulator pages, news sources, job feeds, and other external websites. These links are provided for convenience and source reference only. We do not control third-party content and are not responsible for its availability, accuracy, security, privacy practices, or terms.
7. Permitted use
You may use the website for lawful personal or business information purposes. You may not:
- Use the website unlawfully or fraudulently.
- Interfere with website security or operation.
- Scrape, copy, republish, or commercially exploit content without permission.
- Upload malicious code or attempt unauthorised access.
- Misrepresent your identity or affiliation.
8. Intellectual property
Unless otherwise indicated, website content, layout, design, wording, service names, graphics, and materials are owned by or licensed to Cofi Compliance. You may view and use content for internal reference only. No rights are transferred to you except as expressly stated.
9. Consultation requests and forms
When you submit a consultation request or other form, you warrant that the information is accurate and that you are authorised to provide it. Submission of a form does not oblige Cofi Compliance to accept an engagement or provide services.
10. Privacy and cookies
Personal information is processed in accordance with our Privacy Notice. The website may use cookies, analytics, embedded videos, or other technologies as described in our Cookie Notice.
11. Disclaimer of warranties
The website is provided on an "as is" and "as available" basis. We do not warrant that the website will be uninterrupted, error-free, secure, virus-free, or compatible with your systems.
12. Limitation of liability
To the fullest extent permitted by law, Cofi Compliance will not be liable for any loss, damage, cost, claim, or liability arising from website use, reliance on website content, inability to access the website, third-party links, or external content.
Nothing in these Terms limits liability that cannot be excluded under applicable law.
13. Governing law
These Terms are governed by the laws of the Republic of South Africa. South African courts have jurisdiction, subject to any applicable dispute-resolution agreement in a separate written engagement.
14. Changes
We may update these Terms from time to time. The latest version will be published on the website.