Personal Trust (Pty) Limited is an authorised financial services provider under licence number 707. The registered business address is Personal Trust House, Belmont Office Park, Belmont Road, Rondebosch, 7700.
The website, www.personaltrust.co.za is owned and operated by Personal Trust (Pty) Limited (“Personal Trust”) a privately-owned company under registration number 1951/002859/07.
TERMS AND CONDITIONS
Thank you for taking the time to visit our website. Before navigating further, please ensure you have read and are familiar with the terms and conditions of using our website.
As a user of this site, you confirm that you have the necessary legal and contractual capacity to be bound by the terms and conditions. Minors will need to be assisted by a legal guardian. Any breach of these terms and conditions may result in the user’s access to the site being terminated. These Terms & Conditions are governed by and shall be interpreted in accordance with the laws of the Republic of South Africa.
Any questions regarding these terms and conditions can be addressed to firstname.lastname@example.org
CHANGES TO THE TERMS & CONDITIONS
You acknowledge that from time to time, we may make changes to the Terms & Conditions. The revised version will be posted to this site without notification to users. As a user of our website, you accept responsibility for checking whether any amendments have been made and acknowledge that you will be accepting those changes.
These Terms & Conditions were last updated on 21 January 2019
ABOUT PERSONAL TRUST
All references to Personal Trust in these Terms and Conditions, unless stated otherwise, are deemed to include Personal Trust Asset Management Company (Pty) Limited, Personal Trust International Management Company (Pty) Limited, PTI (Isle of Man) Limited, PTI Guernsey Limited and Personal Trust Nominees (RF) (Pty) Limited and other subsidiary companies.
Personal Trust (Pty) Limited is a member of the Fiduciary Institute of Southern Africa whilst Personal Trust International Management Company (Pty) Limited is a member of the Association for Savings & Investment SA.
USE OF THIS WEBSITE
By accessing this website, you acknowledge that you have read and accept the Terms and Conditions and agree to abide by said terms. You acknowledge that access is provided on this basis and should you not agree to the Terms and Conditions, please do not make use of the website. Information provided on the site is intended to provide you with general information about Personal Trust, our products and services. It should not be treated as an offer but rather as an invitation to do business with us.
Personal Trust (Pty) Ltd takes every precaution to ensure that the information supplied on this website is correct. Nevertheless, all the information supplied on this site is done without warranty, express or implied, as to its accuracy or completeness. Personal Trust shall not be responsible and accepts no liability for any loss, liability, damage (whether direct or consequential) or expense that stems from the use of or reliance upon any information, links or services provided through this website. You acknowledge that use of this site is entirely at your own risk. If in doubt please contact us directly.
From time to time, Personal Trust may choose to change or update the website. Personal Trust reserves the right to do so at any time and may not be held liable for any damage or loss as a result of this.
You are reminded that any comments, opinions and/or recommendations made on this site relating to investment products are general in nature and are made in good faith and with full attention to accuracy. However, market conditions are subject to constant fluctuations local and globally. We advise, at all times, that investments be made only after consultation with us, and after individual circumstances have been thoroughly considered.
As a professional financial services provider, we respect your right to privacy and security therefore any personal information obtained through the use of this website is considered private and confidential. We undertake not to sell, rent or trade any of your personal information. Personal information will only be disclosed when required for legal or regulatory purposes. Access to our online service is subject to registration and approvals which we may accept or decline at our discretion.
By using the site, you accept that we have implemented Google Analytics Demographics and Interest Reporting which means we may collect information about your experiences as you use this site. This is done through the use of ‘cookies’.
WHAT IS A COOKIE?
Cookies are basic text files consisting of encrypted information that is stored on your device (computer, mobile phone, tablet or other) by our web server when you visit our website. The cookie is sent back to our web server each time you visit our website. Each cookie contains completely anonymous information such as a unique identifier and the website name. They do not collect any personal information about you or your machine and cannot gather data or information about what you do on the Internet. Cookies merely enable us to provide a more valuable online experience to you by remembering things like your personal preferences or which products or services you prefer.
Our website utilises cookies to determine aggregate usage behaviour (time on the site, number of pages viewed, etc) through web analytic tools like Google Analytics. We use this information to monitor which areas of the site are most frequently visited in order to assist us in continuing to develop our services.
You can set up your Internet browser to disable cookie technology should you wish to.
We use the services of a third party site to provide certain information on our site. Information is provided “as is” and solely for informational purposes, not for trading purposes or advice, and may be delayed. You acknowledge and agree that Personal Trust will not be directly or indirectly liable for any damage that may arise from reliance on this information.
Prior written approval is required to establish any form of linking to this site. Approval may be withheld or granted at our discretion.
Applications for linking to the website must be submitted to email@example.com. You accept that any breach of this condition may result in legal action, the costs of which will be borne by you.
You acknowledge and accept that the website and its contents including logos and other graphics are owned by Personal Trust (Pty) Limited and are protected by copyright and other intellectual property laws. Personal Trust authorises you to view, download, print and distribute the content of this website for information purposes.
The use of our logo requires prior written approval. Applications can be sent to firstname.lastname@example.org
DISTRIBUTION OF INFORMATION
You acknowledge that any information distributed via the internet whether by email or otherwise, is vulnerable to criminal activity. Personal Trust shall not be liable for any loss, harm or damage, financial or otherwise, suffered by you as a result of distributing information online. Personal Trust may request independent verification of information sent online.
As a user of our site, it is your responsibility to ensure you use quality hardware and software and make use of the latest internet browsers. Failure to do so may result in poor performance of the site or security breaches.
PERSONAL TRUST EMAILS ARE BOUND BY THE FOLLOWING DISCLAIMER:
Confidentiality: This email message and any attachments are confidential and may be legally privileged. It is intended solely for the addressee and access to this email by anyone else is unauthorised. If you are not the intended recipient, any form of reproduction, copying, disclosure, modification, dissemination, distribution, publication or any action taken or omitted in reliance on it, is prohibited and may be unlawful. If you have received it in error, please notify us on telephone +27 21 689 8975 and destroy the message and all copies thereof.
Liability: This email is not a binding agreement and does not conclude an agreement without the express confirmation by the sender’s superior or a Director of the Company.
Viruses: The Company does not certify that this email is free of viruses or defects.
Requested: The Company does not consent to its employees sending unsolicited emails which contravene the law. In the event that you feel this email is such, please notify the Company in order for the appropriate corrective action to be taken.
Advice: Any views or opinions presented in this email are solely those of the author and do not necessarily represent those of the Company. Any actions taken on the basis of this email are at the reader’s own risk.
Other: The sender of this email is expressly required not to make any defamatory statements. Any such communication is contrary to Company policy and outside the scope of the employment of the individual concerned. The Company will not accept any liability in respect of such communication, and the employee responsible will be personally liable for any damages or other liability arising.
TREATING CUSTOMERS FAIRLY
Personal Trust supports the Financial Services Conduct Authority’s initiative of ‘Treating Customers Fairly’ (TCF) and is committed to ensuring that the fair treatment of our clients is embedded in all areas of our business. Click here to access the Treating Customers Fairly policy statement.
PROMOTION OF ACCESS TO INFORMATION ACT
Click here to access the Promotion of Access to Information Act Manual in pdf format.
CONFLICT OF INTEREST POLICY
Click here to access the Conflict of Interest Management Policy in pdf format.
PROTECTION OF PERSONAL INFORMATION ACT
Click here to access the Money Market Terms & Conditions in pdf format.
PERSONAL OPINIONS, INVESTMENT COMMENTARY AND OTHER ARTICLES
Readers of our newsletter, investment commentary or other articles are reminded that any comments, opinions, and recommendations relating to investment products are general in nature and are made in good faith and with full attention to accuracy. However, market conditions are subject to constant fluctuations locally and globally. We advise at all times, that investments be made only after consultation with us, and after individual circumstances have been thoroughly considered.
Should you no longer wish to receive communication from Personal Trust, please email your request to email@example.com.
THE COLLECTIVE INVESTMENT SCHEMES CONTROL ACT, 2002
Personal Trust International Management Company
Personal Trust International Management Company (Pty) Ltd. Reg No. 2005/026983/07 is a registered Collective Investment Scheme manager in terms of the Collective Investment Scheme Control Act, 45 of 2002. It is a wholly owned Subsidiary of Personal Trust (Pty) Ltd. The Management Company is a member of the Association for Savings & Investment SA (ASISA)
Collective Investment Schemes (CIS) are generally medium to long term investments. The value of the participatory interest may go up as well as down and past performance is not necessarily a guide to future performance. Performance disclosed in the fact sheets and minimum disclosure documents is applicable to the respective fund. Performance figures include income distributions, prior to deduction of withholding taxes and are calculated after permissible deductions. Personal Trust International Management Company (Pty) Ltd does not provide a guarantee either with respect to the capital or the return of a portfolio. Actual investor performance may differ as a result of the investment date, the date of reinvestment and dividend withholding tax. The Trustee & Custodian is FirstRand Bank Limited, RMB Trustee Services and can be contacted at No 3 First Place, Bank City, cnr Jeppe & Simmonds Street, Johannesburg, Gauteng Province, South Africa.
PTI Mutual Fund PPC Limited
PTI Mutual Fund PCC Limited (a protected cell company registered with limited liability in Guernsey with registration number 52182). The Manager of the protected cell company is PTI Guernsey Limited (Registration Number 50910) a wholly owned subsidiary of Personal Trust (Pty) Ltd (1951/0028559/07). PTI Mutual Fund PCC Limited is represented by Personal Trust International Management Company (Pty) Limited in South Africa.
The Custodian is BNP Paribas Securities Services SCA (Guernsey Branch) whose registered office is at BNP Paribas House, St Julian’s Avenue, St Peter Port, Guernsey, GY1 3WE
Personal Trust aims to provide a professional and personal service to all its clients. There may, however, be occasions where clients need to have their complaints resolved and it is in the best interest of both parties that all complaints are dealt with quickly and in line with current legislation. The information tabled here is intended to inform clients of the process they need to follow should they need to lodge a formal complaint.
Relating to FAIS, a ‘complaint’ means a specific complaint relating to a financial service rendered by Personal Trust or any of its representatives to the complainant, and in which complaint is alleged that Personal Trust or its representative:
Has contravened or failed to comply with a provision of this Act and that as a result thereof the complainant has suffered or is likely to suffer financial prejudice or damage
Has willfully or negligently rendered a financial service to the complainant which has caused prejudice or damage to the complainant or which is likely to result in such prejudice or damage; or
Has treated the complainant unfairly
The Complaints Officer is an employee of Personal Trust, nominated by management, who is responsible for receiving all complaints, maintaining the complaints register, gathering documentation relating to the complaint and maintaining all records of communication during the complaints process.
Where a client wishes to lodge a complaint, this should be done in writing and addressed to:
Mrs JA Meyer
021 689 8975
Personal Trust (Pty) Ltd
PO Box 476
The complaint must contain all relevant information and copies of documentation relating to the complaint.
The Complaints Officer will confirm receipt of the complaint and will, where possible, endeavour to provide a timeframe in which we will respond to the complaint.
If a client does not feel that they have received a satisfactory response from Personal Trust, the client has a right to direct the complaint to the FAIS Ombud. The contact details for the FIAS Ombud are as follows:
Name of Ombudsman: Naresh Tulsie
Financial Services Conduct Authority
Kasteel Park Office Park,
Orange Building, 2nd Floor,
c/o Nossob & Jochemus Street,
Postal Address: P O Box 74571
For further information, please email firstname.lastname@example.org