Legal Information
Legal Information
Stable Growth Investments (Pty) Ltd ('Stable Growth Investments') is an authorised financial services provider.
Your use of our website and email services (such as the receipt via email of factsheets, periodic reports and/or price and performance information) is subject to you accepting and complying with our terms of use. By using our website or email services, you agree and accept all of our terms of use.
Ownership and copyright
This website and its content belong to Stable Growth Investments and/or its licensors and are safeguarded by copyright and other intellectual property laws. All rights not expressly granted are reserved. Unauthorized copying, reproduction, distribution, sale, publication, broadcast, or other use of this material will violate such protection. The copyright in all material published on this website by Stable Growth Investments shall remain with Stable Growth Investments. However, Stable Growth Investments permits you to view, copy, download, print, and distribute the content of this website for your personal, non-commercial use. You are prohibited from integrating any proprietary material from this website into any other work, publication, or website, whether your own or belonging to a third party. The trademarks, logos, and service marks ('marks') shown on this website are registered or in the process of being registered. Nothing on this website or in the provided content or information grants a license or right to use any of the marks without prior written permission from the owner. No right, title, or interest in any proprietary material on this website is granted to you.
Content
The information and content (hereinafter 'information') available on this website are provided by Stable Growth Investments as general information about the company and its products and services. Stable Growth Investments does not assure the suitability or potential value of any information or specific investment source. No information on this site is intended to offer or constitute financial, tax, legal, investment, or other advice. You are solely responsible for determining whether any investment, investment strategy, security, or related transaction is suitable for you based on your personal investment objectives, financial situation, and risk tolerance. It is advisable to consult an independent financial adviser for specific advice regarding your situation if needed. Nothing in any service provided or any content on this website should be construed as a solicitation, recommendation, endorsement, or offer by Stable Growth Investments, including regarding the purchase, sale, or holding of any securities or investments, but should simply be viewed as an invitation to conduct business.
Email legal notice
For our email legal notice, click here.
Privacy policy
For details about the Stable Growth Investments privacy statement, click here.
Conflict of interest management policy
For details about our conflict of interest management policy, click here.
Online Security
Tips on how to improve your online security, click here .
Site Terms and Condition
For our websites terms and conditions , click here .
Site requirements
For recommendations on settings and software when accessing our website, click here.
Important information
The content on this website and the information contained therein is made available to you ‘as is’ and ‘as available’. Stable Growth Investments has taken and will continue to take care that all information provided on this website is true and correct, in so far as this is under Stable Growth Investments’ control. However, Stable Growth Investments does not warrant that this website, the content provided or information contained therein will be error-free or will meet any particular criteria of accuracy, completeness or reliability of information, performance or quality and disclaims any liability for any loss, damage (whether direct or consequential) or expense of any nature whatsoever which may be suffered as a result of or which may be attributable, directly or indirectly, to the use of or reliance upon any information, links or service provided through this website. Although Stable Growth Investments has taken reasonable measures to ensure the integrity of this website, including the content provided and the information contained therein, there is no warranty of any kind, expressed or implied made by Stable Growth Investments, regarding the information or aspect of any service provided. Any warranty implied by law is hereby excluded except to the extent that such exclusion would be unlawful.
Stable Growth Investments reserves the right to suspend, terminate or modify this website, email services or these terms of use at any time without notice. Any changes will appear in this document, which you can access at Legal Information. If you use this website after the changed terms of use have been posted, you will be deemed to have accepted the changed terms of use.
Promotion of Access to Information Act
The Promotion of Access to Information Act, 2000 (‘PAIA’) gives persons the right to access information that is required to exercise or protect their rights. In terms of PAIA, before access to information requested by persons is granted, certain requirements have to be met. PAIA also requires private bodies such as Stable Growth Investments to compile a manual, designed to assist persons who want to exercise their right to access information. In general, you can visit our website without having to divulge any personal information about yourself. However, while using this website you may provide information about yourself or it may be collected by Stable Growth Investments. Access to your personal information held by Stable Growth Investments may also be requested by you or third parties. PAIA regulates and sets out the procedure for such a request and under what circumstances such access may be refused. The PAIA manual, the prescribed request form and information on applicable fees payable for access to this information, is available below.
Access to information - Manual
Access to information - Request form
Access to information - Fee re: Private bodies
Governing law
This email and any accompanying documents will be interpreted and implemented according to the laws of the Republic of South Africa unless specifically stated otherwise.
Company details
Stable Growth Investments (Pty) Ltd (FSP Number 52752)
Regus Durban Country Club
101 Isaiah Ntshangase Road
Stamford Hill
Durban
4025
Directors: Senzo J Hlangu
For further information, please email [email protected]
Email Legal Notice
Your utilization of our email services, including receiving factsheets, minimum disclosure documents, periodic reports, or price and performance information via email, is contingent upon your acceptance of and adherence to our terms of use. By accessing our website or utilizing our email services, you acknowledge and agree to abide by all of our terms of use.
Confidentiality warning
The contents of this email and any accompanying documents are confidential and may be protected by legal privilege and client confidentiality. Any use of these materials, in any form, by anyone other than the intended recipient is strictly prohibited. If you have received this email or facsimile in error, please notify the sender immediately by return email, fax, or phone call, and delete it from your system and/or device. You are not permitted to copy this email or disclose its contents to any other person without the express written consent of Stable Growth Investments.
Content
The information and content (referred to collectively as 'information') accessible through this email are provided by Stable Growth Investments as general information about the company and its products and services. Stable Growth Investments does not guarantee the suitability or potential value of any information or specific investment source. None of the information in this email is intended to offer or constitute financial, tax, legal, investment, or any other form of advice. You are solely responsible for assessing whether any investment, investment strategy, security, or related transaction is suitable for you based on your individual investment objectives, financial situation, and risk tolerance. If you require financial and/or investment advice, it is recommended that you consult an independent financial adviser regarding your specific circumstances. Nothing contained in any service provided or any content in this email should be construed as a solicitation, recommendation, endorsement, or offer by Stable Growth Investments, including regarding the purchase, sale, or holding of any securities or investments. Instead, it should be regarded as an invitation to engage in business.
Electronic communications
By engaging in communication with Stable Growth Investments through electronic channels, you consent to receiving communications electronically and acknowledge that all agreements, notices, disclosures, and other communications transmitted electronically fulfil any legal requirement, including the stipulation that such communication be in writing. Unless otherwise specified, Stable Growth Investments only considers an email received once confirmation of receipt is provided; similarly, an email is considered sent by Stable Growth Investments only upon confirmation of being "sent" on the Stable Growth Investments email server.
Important information
The content of this email and the information it contains are provided to you 'as is' and 'as available'. Stable Growth Investments endeavours to ensure that all information in this email is accurate and correct to the best of its ability. However, Stable Growth Investments does not guarantee that this email, its content, or the information therein will be free from errors or meet specific criteria of accuracy, completeness, or reliability. Therefore, Stable Growth Investments disclaims any liability for any loss, damage (whether direct or consequential), or expense that may arise from the use of or reliance on any information, links, or services provided in this email. Additionally, Stable Growth Investments will not be held liable for any alterations made to any document or correspondence sent via email unless such alterations have been approved by the sender. Stable Growth Investments is not responsible for any harm or loss resulting from viruses in this email or accompanying documents, including data corruption. Furthermore, Stable Growth Investments disclaims liability for non-delivery or incorrect delivery of email contents, its impact on electronic devices, or transmission in an unencrypted medium.
Although Stable Growth Investments has taken reasonable measures to ensure the integrity of this email and its contents, including the provided content and information, no warranty of any kind, whether expressed or implied, is made by Stable Growth Investments regarding the information or any aspect of the services provided. Any implied warranty by law is hereby excluded except where such exclusion would be unlawful.
Stable Growth Investments reserves the right to suspend, terminate, or modify email services or these terms of use at any time without prior notice. Any changes will be reflected in this document, accessible at any time at Email Legal Notice. By continuing to use the email services after changes to the terms of use have been posted, you are considered to have accepted the updated terms of use.
Personal use by employees
Stable Growth Investments is unable to differentiate between business and personal emails. Users who utilize Stable Growth Investments' email system do so at their own risk and assume responsibility for any actions or consequences resulting from such personal use. Any opinions or views expressed in these emails belong solely to the individual sender and do not necessarily reflect the views or commitments of Stable Growth Investments. If you have doubts about the content or information in an email, it is recommended that you obtain written confirmation from Stable Growth Investments before relying on it. In cases where an email contains offensive, derogatory, or defamatory content, it indicates that the email was sent beyond the sender's scope of employment with Stable Growth Investments. Consequently, only the sender can be held liable in their personal capacity.
Interception and monitoring
Users who utilize Stable Growth Investments' email system assume responsibility for any actions and consequences resulting from such use. Generally, Stable Growth Investments does not engage in widespread monitoring of communications. However, Stable Growth Investments reserves the right to intercept and monitor communications and stored files sent or received over its information and communications systems at any time and without notice. This monitoring and interception are only conducted by authorized Stable Growth Investments representatives, for lawful purposes, and in strict accordance with Stable Growth Investments' Monitoring Policy and Procedures.
Governing law
This email and any accompanying documents will be interpreted and implemented according to the laws of the Republic of South Africa unless specifically stated otherwise.
Company details
Stable Growth Investments (Pty) Ltd (FSP Number 52752)
Regus Durban Country Club
101 Isaiah Ntshangase Road
Stamford Hill
Durban
4025
Directors: Senzo J Hlangu
For further information, please email [email protected]
Cookie Policy
What are cookies?
Cookies are small data files provided to a browser upon visiting the Stable Growth Investments website. These files aren't computer programs and therefore can't collect personal information or function independently. Instead, they identify your browser and track activity on our site to enable proper functionality and enhance the online experience. Cookies are stored in your browser or on your computer's local hard disk, ensuring the delivery of relevant information you've previously expressed interest in accessing on our site.
Who does this policy apply to?
Since cookies are distributed to all browsers upon visiting the Stable Growth Investments website, this policy extends to all entities within the Stable Growth Investments group that function as financial services providers.
Do you have to accept cookie use?
While you have the option to decline cookies, not accepting them may result in certain parts of our online service experiencing reduced functionality or not functioning at all.
If you want to view your cookie code, simply click on a cookie to open it. You'll see a brief string of text and numbers, with the numbers serving as your identification card, visible only to the server that issued the cookie.
You can refuse cookies: Most browsers' Help menus in the menu bar provide instructions on how to prevent your browser from accepting cookies, how to receive notifications when you receive a new cookie, and how to disable cookies entirely. For additional information about cookies, including how to configure your internet browser to reject them, please visit https://www.allaboutcookies.org/.
Why do we use cookies?
We use cookies on our website to:
- Ensure the proper functioning of the website.
- Provide access to restricted content.
- Customize our website's functionality to your device type by remembering it.
- Enhance the performance of our website.
- Gain insights into our audience to deliver content that is most relevant to each user.
What cookies do we use?
Stable Growth Investments employs various types of cookies for gathering personal information.
Category 1 – Essential cookies (analytics)
These cookies are crucial for enabling you to navigate our websites and utilize their features. They are necessary for services such as logging in to secure sections of our website and restricting access based on user authentication.
Category 2 – Analytical cookies (performance)
These cookies gather analytical data about your usage and navigation patterns on our website, such as which pages you visit most frequently. This information helps optimize the browsing experience and monitor the performance of the Stable Growth Investments website. Analytical cookies do not collect personally identifiable information; all data collected is aggregated and anonymous.
Category 3 – Functional cookies (functional and advertisement)
Functional cookies enable our websites to remember your preferences and choices while browsing. For example, we may store your geographic location to understand where our visitors are coming from and tailor content accordingly. These cookies do not personally identify you and cannot track your browsing activity on websites outside of Stable Growth Investments.
How do we use cookies on our website?
Cookie | Type | Description | Duration |
IDE | Advertisement | Used by Google DoubleClick and stores information about how the user uses the website and any other advertisement before visiting the website. This is used to present users with advertisements that are relevant to them according to the user profile. | 1 year 24 days |
YouTube | Advertisement | This cookie is set by YouTube and is used to track the information of the embedded YouTube videos on a website. | 5 months 27 days |
YouTube | Performance | This cookie is set by YouTube and is used to track the views of embedded videos. | Session |
Google Analytics | Analytics | This cookie is installed by Google Analytics. The cookie is used to calculate visitor, session and campaign data and to keep track of site usage for the site's analytics report. The cookies store information anonymously and assign a randomly generated number to identify unique visitors. | 2 years |
Google Analytics | Analytics | This cookie is installed by Google Analytics. The cookie is used to calculate visitor, session and campaign data and keep track of site usage for the site's analytics report. The cookies store information anonymously and assign a randomly generated number to identify unique visitors. | 1 minute |
Google Analytics | Analytics | This cookie is installed by Google Analytics. The cookie is used to store information of how visitors use a website and helps in creating analytics reports of how the website is doing. The data collected includes the number of visitors, the source where they have come from, and the pages visited in an anonymous form. | 1 day |
Google Analytics | Analytics | This cookie is used by Google Analytics to understand user interaction with the website. | 3 months |
Google Analytics | Performance | This cookie is installed by Google Universal Analytics to throttle the request rate to limit the collection of data on high traffic sites. | 1 minute |
Episerver | Necessary | This cookie is used by CDN services like CloudFlare to identify individual clients behind a shared IP address and apply security settings on a per-client basis. It does not correspond to any user ID in the web application and does not store any personally identifiable information. | 1 month |
Deleting cookies
Your internet browser typically accepts cookies automatically, but you can often adjust this setting to refuse them. You can also manually delete cookies. Instructions for popular browsers can be found by following these links:
Deleting or refusing to accept cookies may hinder your access to certain features of our website where cookies are essential, or lead to the website forgetting your preferences. Some parts of our website may not function properly if you do not accept cookies.
Privacy Policy
The following statements, terms, and conditions disclose the privacy practices for Stable Growth Investments (Pty) Ltd .
Overview
Stable Growth Investments (Pty) Ltd acknowledges the importance and legal obligations surrounding internet privacy. It is imperative for us to outline our approach towards handling any information we may receive about you through your visit to our Site.
Stable Growth Investments (Pty) Ltd maintains exclusive ownership of the data gathered on this Site. We uphold a commitment not to distribute, share, or lease this data to any other parties, unless expressly stated otherwise in this statement or elsewhere on this Site.
Our Site implements reasonable and practical measures to safeguard the information of our users. Whether you submit sensitive data through our platform or engage with us offline, rest assured that your information is protected. Stable Growth Investments (Pty) Ltd strictly adheres to this code of conduct.
In order for Stable Growth Investments (Pty) Ltd to enhance your browsing experience on our Site, it is essential to have accurate and current personal information from our customers. This personal information encompasses the data specified within the definitions of personal or special personal information as outlined in the Protection of Personal Information Act, 2013 ("Protected Personal Information").
With your explicit consent, Stable Growth Investments (Pty) Ltd gathers personally identifiable information including but not limited to your email address, name, residential or professional address, and telephone number. Additionally, we collect anonymous demographic data, which is not individually identifiable, such as postal or ZIP code, age, gender, preferences, and interests.
Stable Growth Investments (Pty) Ltd utilizes your Personal Information to manage the Site effectively, deliver services, and notify you about new features, services, and products. Should there be a plan to utilize Personal Information for any Secondary Use, Stable Growth Investments (Pty) Ltd will offer you the opportunity to opt out of this service.
hrough the utilization of our Site, customers of Stable Growth Investments (Pty) Ltd implicitly agree and grant consent for Stable Growth Investments (Pty) Ltd to retain their Protected Personal Information for durations deemed necessary by Stable Growth Investments (Pty) Ltd for legitimate business security and record-keeping objectives. Specifically, customers also provide explicit consent for Stable Growth Investments (Pty) Ltd to disclose their Protected Personal Information in the following circumstances:
- To any entity providing services to Stable Growth Investments (Pty) Ltd, including but not limited to verification, updating, and processing of Protected Personal Information, or acting as an agent for Stable Growth Investments (Pty) Ltd, or to whom Stable Growth Investments (Pty) Ltd has transferred or intends to transfer any rights and duties regarding its customers (some of these entities may be situated outside of the Republic of South Africa). Stable Growth Investments (Pty) Ltd may share customers' Protected Personal Information with its service providers, both locally and internationally, as necessary. Stable Growth Investments (Pty) Ltd will ensure that these entities agree to adhere to Stable Growth Investments (Pty) Ltd's privacy policies if they require access to any Protected Personal Information to carry out their services.
- To Stable Growth Investments (Pty) Ltd's legal advisors, financial advisors, auditors, or a competent court in the context of legal proceedings.
The Stable Growth Investments (Pty) Ltd Site reserves the right to disclose Personal Information if compelled to do so by law or in a bona fide belief that such action is necessary to:
(a) Comply with applicable laws or legal processes served on Stable Growth Investments (Pty) Ltd and/or its subsidiaries or the Site.
(b) Safeguard and uphold the rights or property of Stable Growth Investments (Pty) Ltd or the Site.
(c) Act under urgent circumstances to protect the personal safety of users of Stable Growth Investments (Pty) Ltd's goods and services, the Site, or the public.
Stable Growth Investments (Pty) Ltd customers have the option to update their Protected Personal Information online, where applicable, or by visiting participating Stable Growth Investments (Pty) Ltd entities. Access to and deletion of Protected Personal Information are governed by the procedures outlined in the Stable Growth Investments (Pty) Ltd Protection of Data Policy.
Stable Growth Investments (Pty) Ltd advises you to carefully review the privacy statements of the websites and applications ("Third Party Sites") you decide to link to from Stable Growth Investments (Pty) Ltd. This will enable you to comprehend how those Third Party Sites gather, utilize, and distribute your information. Please note that Stable Growth Investments (Pty) Ltd bears no responsibility for the privacy statements or other content present on Third Party Sites that are external to Stable Growth Investments (Pty) Ltd.
Stable Growth Investments (Pty) Ltd customers acknowledge that Stable Growth Investments (Pty) Ltd implements reasonable and practical measures to protect Protected Personal Information in its possession. To the fullest extent permitted by law, Stable Growth Investments (Pty) Ltd customers hereby indemnify and absolve Stable Growth Investments (Pty) Ltd, its employees, and agents from any liability, damages, and/or legal action arising from any cause, including negligence on the part of Stable Growth Investments (Pty) Ltd, its employees, or agents. Stable Growth Investments (Pty) Ltd shall not be held liable for any damages or losses incurred by Stable Growth Investments (Pty) Ltd customers when utilizing the services of the Sites and Third-Party Sites.
This Privacy Statement may be amended from time to time.
Please check the Privacy Statement frequently to remain informed of how Stable Growth Investments (Pty) Ltd is protecting your personal information.
Contact Information
Stable Growth Investments (Pty) Ltd welcomes any questions, comments, and requests regarding this privacy policy. These should be addressed to:
The Information Officer – Stable Growth Investments (Pty) Ltd
Regus Durban Country Club
101 Isaiah Ntshangase Road
Stamford Hill
Durban
4025
or
Site Terms & Conditions
For purposes of these terms and conditions, unless otherwise indicated by the context of the sentence or clause, the following terms will have these meanings:
1.1 Stable Growth Investments (Pty) Ltd
Stable Growth Investments (Pty) Ltd is a registered Company, Reg No: 2022/384795/05
1.2 Stable Growth Investments (Pty) Ltd References
Stable Growth Investments (Pty) Ltd and all of their subsidiaries and associate companies addressed as 'we', 'us', 'our', 'Stable Growth', or 'Stable Growth Investments' and each of which includes Stable Growth Investments directors, employees, agents, consultants and advisers.
1.3 Authorised Person
Any person who has been authorised by Stable Growth Investments (Pty) Ltd to act on their behalf through the Website.
1.4 Business Day
Any day other than a Saturday, Sunday or public holiday in South Africa.
1.5 Client
Refers generally to any person with whom we do business, including Investors, Authorised Persons, Financial Advisers and their assistants.
1.6 FAIS Act
The Financial Advisory and Intermediary Services Act, 2002.
1.7 FIC Act
The Financial Intelligence Centre Act, 2001.
1.8 Financial Adviser
A financial services provider as contemplated in the FAIS Act and who has entered into a financial services provider contract with us to represent Investors who want to, or have invested with us.
1.9 Information
Includes all of our Clients' personal, investment and/or other confidential information, as the case may be, and as the context provides.
1.10 Instruction
A request submitted by a Client instructing us to perform certain services in respect of an investment.
1.11 Intellectual Property
All patents, trademarks, service marks, logos, brand names, or other marks of Stable Growth Investments (Pty) Ltd, design rights, copyright, trade or business name, know-how, concepts, ideas, methods, procedures, processes, techniques, models, reports, templates, software, and other similar rights or obligations, whether or not registerable, registered or application for registration having been made, in any part of the world. It includes any changes or additions.
1.12 Investor
Any person who has beneficial ownership of an investment we administer and who, solely or jointly, has entered into a Product related contract with us for the investment.
1.13 Loss
All claims, demands, penalties, losses, damages, expenses and/or charges of whatsoever nature, including direct, indirect, extrinsic, special, penal, punitive, exemplary or consequential loss or damage.
1.15 Product
The financial securities and instruments administered or supplied by Stable Growth Investments (Pty) Ltd from time to time.
1.16 Website
The Stable Growth Investments (Pty) Ltd website.
1.17 You
Any person who visits or uses the Website, including a Registered User.
1.18 We have inserted the clause headings for convenience only. The headings should not affect your interpretation of the terms.
1.19 Any reference to a person includes a natural and juristic person.
1.20 The rule of construction, that a contract must be interpreted against the party responsible for the drafting or preparation of the contract, does not apply.
1.21 All defined terms are used in title case. You should interpret the same terms appearing in lower case according to their plain English meaning.
1.22 Whenever the words 'including' or 'include', or 'excluding' or 'exclude' are used, together with specific examples, these words will not limit the ambit and/or scope of the example referred to. This applies to all examples used in these terms and conditions.
1.23 References to any Act or enactment will be deemed to include references to the Act or enactment as re-enacted, amended, or extended from time to time.
2.1 This agreement is concluded and You are deemed to have accepted these terms and conditions each time You visit or use the Website, or register for, and/or login to, your or your Client's Online Account.
2.2 Your acceptance of these terms and conditions will be deemed to have taken place at our head office in Durban.
2.3 We may change these terms and conditions from time to time. You acknowledge that by accessing the Website from time to time, You will be bound by the current version of the terms and conditions and all previous versions shall be superseded by the current version. We may change these terms and conditions to cater for amendments to applicable legislation and/or changes in our business needs (amongst other things).
2.4 If You object to any change in these terms and conditions, You are entitled to cease using the website.
3.1 We will make every reasonable effort to ensure the Website is available.
3.2 We reserve the right to temporarily or permanently suspend the operation of the Website (downtime) and You hereby acknowledge and accept that the Website may be unavailable from time to time due to various reasons, which may include:
3.2.1 Maintenance and software upgrades (we will try to ensure that this does not take place on Business Days between 06h00 and 19h00);
3.2.2 Security concerns;
3.2.3 Technical issues; or
3.2.4 Circumstances beyond the Stable Growth Investments (Pty) Ltd's control.
3.3 Where possible, we will attempt to notify You in advance of any planned significant downtime.
3.4 Stable Growth Investments (Pty) Ltd shall not be held liable for any Loss incurred or suffered arising from any cause whatsoever as a result of any suspension or downtime of the Website.
4.1 The site shall not be linked to any other website or webpage without the prior written approval of Stable Growth Investments in its sole and absolute discretion. The site may contain links to other websites not operated by Stable Growth Investments. Stable Growth Investments does not control such other websites and will not be responsible for their content. By providing such links, Stable Growth Investments does not indicate support of any goods, services or content on those websites.
5.1 Stable Growth Investments does not guarantee that files available for downloading through the site will be free of viruses, or other codes that may corrupt or destruct. Any visitor to the site is responsible for implementing adequate protection against any adverse consequences that may result from visiting the site.
6.1 When You submit an Instruction via the Website, You warrant that:
6.1.1 all information provided and all supporting documents signed by You in connection with the Instruction, whether in your handwriting or not, are current, accurate, true, and complete;
6.1.2 You are legally capable, entitled and authorised to submit the Instruction; and
6.1.3 You have complied with all applicable statutory provisions.
6.2 All your Instructions will be deemed to have taken place at our head office in Durban.
6.3 Stable Growth Investments is entitled to, and shall, regard all Instructions submitted through our website as actually originating from You.
6.4 An Instruction will be deemed to be received by us when the communication is received on our web server. A reference number can be supplied to you on request. Your receipt of the reference number constitutes acknowledgement of our receipt of the Instruction. Our acknowledgement of receipt will be deemed to have been received by You when the electronic communication sent by us leaves our web server. Furnishing of the reference number does not imply that we have accepted and/or implemented the Instruction but merely serves as proof that we have received your Instruction.
6.5 You agree that the physical, digital, electronic or similar records held by Stable Growth Investments of all Instructions received via the Website will constitute prima facie evidence of the contents of the Instruction. You confirm that Stable Growth Investments may accept signed Instructions by electronic means.
6.6 All Instructions will be subject to the same turnaround times and processes that apply to Instructions submitted offline, namely:
6.6.1 if we receive an Instruction before 14h00 on any Business Day we will start processing it on that day;
6.6.2 if we receive an Instruction after 14h00, on any Business Day we will start processing it on the next Business Day;
6.6.3 if we receive an Instruction on a day that is not a Business Day, we will start processing it on the next Business Day.
6.7 Stable Growth Investments shall not be held liable for, and You hereby indemnify and hold us harmless against, any and/or all Loss suffered by You or any third party as a result of Stable Growth Investments acting, or failing to act, on incomplete and/or incorrect and/or unauthorised Instructions, or in the event that there is a delay in the processing of any Instruction, except where the delay is solely attributable to gross negligence on our part.
6.8 Subject to clause 8.9 below, where You are an Authorised Person and You use the Website to access Information or to submit an Instruction, You warrant that You have been appropriately authorised to do so by the Investor or Financial Adviser and hereby indemnify and hold Stable Growth Investments harmless in this regard against any and/or all Loss suffered by Stable Growth Investments as a result of a breach of this warranty.
6.9 Where You are a Financial Adviser and You use the Website to act on your clients behalf to submit an Instruction on a client's investment, You hereby warrant that You are an approved financial services provider registered with the Financial Sector Conduct Authority, with the appropriate product sub-categories as defined in the relevant Codes of Conduct issued in terms of the FAIS Act; and You hold either:
6.9.1 in respect of a category I licensed financial services provider, your Client's express consent and authorisation to submit each particular Instruction through the Website on his/her behalf; or
6.9.2 in respect of a category II licensed financial services provider, a signed discretionary Client mandate authorising You to submit Instructions on his/her behalf.
6.10 Stable Growth Investments reserves the right to review your licence and/or to audit or request copies of your client mandates and/or client consents (whichever applicable) for Instructions that You have submitted through the Website at any time.
We will deal with any complaints and queries that You may have in line with our Complaints Process.
8.1 We have a Privacy Statement in place to safeguard all Information we hold.
8.2 We have online security processes in place which are designed to help protect your investment from phishing and fraud.
8.3 Stable Growth Investments is committed to protecting the privacy and confidentiality of your Information and will take all reasonable steps to protect your Information, including the use of encryption technology. You confirm that You are aware of and acknowledge the risks of transacting online and that Stable Growth Investments cannot guarantee the security of any information that You transmit to us electronically and You do so at your own risk.
8.4 Stable Growth Investments shall not be held responsible or liable for any Loss suffered by You as a result of the unauthorised or unlawful disclosure and/or use of any of your Information by third parties who are not subject to our control.
9.1 We reserve the right to preserve the security and reliable operation of the Website at all times.
9.2 You must not do anything (or permit anything to be done) that will compromise the security of our Website in any way.
10.1 The provisions under 'Ownership and Copyright', 'Important Information' and 'Complaints Procedure' located at our Legal information page are incorporated into these terms and conditions by this reference.
10.2 You are obliged to comply with all laws applicable to any Intellectual Property in respect of any Information You access, retrieve, or store when using the Website.
10.3 We grant You limited, non-exclusive access to and use of the Website. You are not allowed to modify (other than by page caching) any portion of the Website without our prior written consent which consent we may withhold in our sole discretion.
10.4 Unless we explicitly permit You to do so, the limited access to and use of the Website does not permit You to:
10.4.1 resell or make commercial use of the Website or its contents;
10.4.2 collect or use of any Product listings, descriptions, or prices;
10.4.3 make derivative use of the Website or its contents;
10.4.4 download or copy any Information for the benefit of another service provider; or
10.4.5 use data mining robots or similar gathering and extraction tools.
10.5 No part of the Website (or any information or documents available on the Website) may be reproduced, duplicated, copied, sold, or otherwise exploited for any commercial purpose without our prior written consent which consent we may withhold in our sole discretion. Furthermore no person may frame (or use any framing techniques to enclose) any Intellectual Property or other proprietary information of Stable Growth Investments (including images, marks, text, page layout, or form) without our prior written consent.
11.1 Stable Growth Investments makes no express or implied representations or warranties with regard to the Website. Specifically, Stable Growth Investments does not warrant that the Website will be error free or will meet any accuracy, completeness or reliability of information, performance or quality measurements or requirements.
11.2 All material available on the Website is merely intended as general information regarding Stable Growth Investments and its Products. Any information on the Website is not intended to provide nor constitute, financial, tax, legal, investment, or other advice. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for You based on your personal investment objectives, financial circumstances and risk tolerance. It is recommended that You consult an independent Financial Adviser regarding your specific situation should You require financial and/or investment advice. Nothing contained in any service provided or any content on this Website constitutes a solicitation, recommendation, endorsement or offer by Stable Growth Investments, including in regard to buying, selling or holding any securities or investments, but shall merely be deemed to be an invitation to do business.
11.3 To the extent permitted by applicable law, we will not be liable for any Loss (whether arising out of or based on negligence or whether under contract, delict, strict liability, breach of express or implied warranties, or otherwise) that You sustain.
11.4 If a court or other competent authority rules that liability cannot be excluded, our responsibility to You will be limited to direct damages only.
11.5 You hereby indemnify and hold Stable Growth Investments harmless against any and/or all Loss of whatsoever nature suffered by Stable Growth Investments and/or a third party, including Clients, as a direct or indirect result of your negligence, fraud, wilful misconduct and/or a breach of any provision of these terms and conditions including but not limited to:
11.5.1 a misuse of the Stable Growth Investments information, the Information, and/or Intellectual Property;
11.5.2 the failure to act in accordance with Stable Growth Investments business terms, including the business terms relating to the use of the Website;
11.5.3 the provision of incorrect, incomplete or fraudulent information in any online application form and/or Instruction;
11.5.4 the access of Information or submission of Instructions on your Clients' behalf where You are not appropriately authorised and/or licensed to do so.
We will not be held responsible for a failure in performance or breach of these terms and conditions caused by circumstances and/or an event beyond our control, including any interruption, malfunction, breakdown or failure of power supply, the internet, the Website, the Stable Growth Investments website (www.stablegrowth.co.za) generally, any telecommunications systems, or any computer hardware or software.
13.1 Whole agreement
These terms and conditions and any other documents incorporated by reference herein constitute the entire agreement between You and us regarding the subject matter of these terms and conditions. Neither of us will be bound by any undertakings, representations, warranties, or promises not recorded in these terms and conditions.
13.2 No Variation
No change, cancellation of, or addition to these terms by You will be enforceable, unless put in writing and signed by both of us.
13.3 Waiver
No indulgence or leniency or extension of time which may be, shown or granted by Stable Growth Investments to You will in any way constitute a waiver of any of these terms and conditions. No waiver of any breach will operate as a waiver of any continuing or subsequent breach nor will it any way affect the validity of the whole or any part of these terms and conditions or prejudice Stable Growth Investments' rights to take subsequent action.
13.4 Severability
If any provision of these terms and conditions is found to be invalid, unlawful, or unenforceable, the specific provision will be removed from these terms and conditions. The remaining terms and conditions will continue to be valid, lawful and enforceable. If any provision is found to be invalid, but it is possible to change the provision to make it valid, then we hereby agree to negotiate a change to the affected provision which gives effect to the intention of the provision/s.
13.5 Applicable Law
13.5.1 Stable Growth Investments confirms that its Website’s controls are designed to achieve ongoing compliance with relevant legislative requirements applicable within South Africa.
13.5.2 This Agreement is governed by and construed in accordance with the laws of South Africa. All disputes, actions, and other matters relating to these terms and conditions will be resolved according to South African law.
Online Security
Our technology and processes
Stable Growth Investments is committed to providing a completely secure online service to protect your investment from phishing and fraud*., we have stringent security technology and processes in place, which we update regularly:
- We have an industry standard web infrastructure and ensure we are up to date with all security enhancements.
- We perform regular vulnerability checks based on the latest security information.
- We use 256-bit encrypted Secure Sockets Layer (SSL) for all connections. Conforming to international standards, this technology encodes all information passing between your device and our web server.
*Phishing refers to the fraudulent practice of sending emails that appear to be from reputable companies in order to induce individuals to reveal their personal information. Fraud involves using deception to secure unfair or unlawful gain.
Here are some tips on how to improve your online security
It is in your interests to contribute to your own security by following certain basic safety precautions. We recommend the following:
Access to your device and security upgrades
- Restrict access to your device.
- Never leave your device unattended while logged in to Stable Growth Investments.
- Ensure that you install the latest security upgrades to your device’s operating system, applications and internet browser.
- Keep your browser updated to the latest available version. Read the site requirements to see our recommended browsers.
- Make use of reputable anti-virus software and anti-spyware and ensure that you update it on a daily or at least weekly basis.
- Install a personal firewall that restricts external devices from accessing your device.
- Always log out when you have finished using the website.
- Educate yourself regularly about fraudulent internet activities and trends.
- Avoid accessing Stable Growth Investments on public devices such as those in internet cafes.
Verification and passwords
- We strongly recommend that you make use of two-step verification to add an extra layer of security to your account. With this enabled, you will receive an OTP to your mobile number or email address that you will need to enter in addition to your normal password.
- Do not use the same password across multiple websites (e.g. the password you use for internet banking).
- Ensure your password is at least 10 characters long and use upper and lower case letters as well as numbers and symbols. Avoid obvious passwords, e.g. ”password1”.
- Avoid using English words and try and incorporate a sentence into your password.
- Change your password regularly.
- Do not write down your password or store it accessibly on your computer, phone or tablet as devices often upload your data to your cloud account. If your cloud account is hacked, fraudsters will have access to any information you have stored there.
- Never save your password when prompted by your browser. Rather enter your username and password manually.
- Never divulge your password to anyone, not even a Stable Growth Investments staff member.
Stable Growth Investments notifications and emails
- Check that you are accessing the correct website. (e.g. URL): https://stablegrowth.co.za/.
- Confirm that the website's digital certificate is valid, by checking that the lock icon is visible next to the browser URL.
- When in doubt, do not click on links provided in emails. Instead, insert the Stable Growth Investments website address directly in your browser.
Learn how to avoid scams
- Never click on a link provided by an unknown or unreliable source.
- Check that the emails you receive are sent from a trustworthy source. This can be done by verifying the email address and not just the display name. When you hover over the display name, the email address should match or be very similar. Spoofing scams may use a display name that looks familiar to you, but the email address will often be vastly different.
- Analyse the accuracy of the spelling of the email address. Tricksters may use an email address that looks very similar to a trusted email address, e.g. [email protected] instead of [email protected].
- Be wary of offers that appear too good to be true, that promise or guarantee large sums of money for very little to no effort on your part or offers where you are required to provide money upfront.
- Avoid offers that take you by surprise or relate to something you know very little about (e.g. a competition you did not enter), especially where you are given limited time to take up the opportunity.
Site Requirements
We recommend using the following settings and software when accessing our website:
Browsers
This website is best viewed using the latest versions of the following browsers:
Using other browsers may result in certain functionality and page layouts not working correctly.
Cookies
We recommend that you configure your browser to accept cookies. If you have any questions about cookies or privacy, please review our Cookies Policy or Privacy statement.
JavaScript
JavaScript is used throughout our website to enhance the user experience and provide advanced functionality. JavaScript must be enabled in your browser.
Adobe Acrobat
Certain downloads on the website are supplied as Adobe Acrobat PDF files. These files can be viewed using the free Adobe Acrobat Reader.
Microsoft Excel
Certain downloads on the website are supplied as Microsoft Excel files. These files are best viewed with the Microsoft Excel application. To find out more or to purchase Excel, you can go to the Microsoft website or any major computer retailer.