Please contact Pinnacle Wealth by calling +27 87 150 2491/2/3 or by emailing admin@pwmsa.co.za.
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Your use of our website, Portal and email services is subject to your accepting and complying
with our terms of use.
These terms of use constitute a contract between you and Pinnacle Wealth Management (Pty) Ltd and
its subsidiaries or related parties (hereafter referred to as “Pinnacle”) and govern the
use of this Portal. You may not use the Portal unless you agree to abide by these terms of
use. You will signify your agreement with these terms of use and to be bound by them if you
use this Portal in any way.
Any reference to the “Portal” shall mean the online platform made available by Pinnacle. It
is not unique to a single look and feel, branding or URL. Similarly, any references to
“Portal account” shall mean the credentials by which a user logs into, and obtains access
to, the Portal.
Should you not be in agreement or wish not to be bound by these terms and conditions, you
must refrain from using this Portal.
Pinnacle reserves the right, in our sole discretion, to amend these terms and conditions at any time, in any way and from time to time. It is your responsibility, as user of the Portal, to review the terms and conditions regularly and to ensure that you agree with any amendments made. If you do not agree, please discontinue to use this Portal.
This Portal and its content are owned by Pinnacle or its licensors and are protected by
copyright and other intellectual property laws. The trademarks, logos and service marks
(‘marks’) displayed on this website are registered. All rights not expressly granted are
reserved.
You may print or download materials from this website for your personal, non-commercial use
provided that:
Failure to adhere to the above will result in a breach of agreement by you and you will be held liable for any civil and or criminal claims, directly or indirectly, as a result of your noncompliance.
Your use and reliance on this website is entirely at your own risk. The website is provided
“as is” and “as available”. The information contained in this website is given for general
information and interest purposes only. Pinnacle shall not be liable in respect of any loss,
damage or damages however arising and whatever the cause, in particular pursuant to and in
furtherance of these terms of use, your access to the website and from your inability to
access the website. We do not accept any liability for any acts or missions resulting from
your decision or opinion formed on the basis of your use of the website. Use of the website
is at your sole risk. Pinnacle shall not be liable for any loss or damage whatsoever and
howsoever arising as a result of your use of the website to the maximum extent permitted by
law. Pinnacle do not guarantee that this website will be available all the time or at any
specific time, that access will be uninterrupted, that there will be no delays, failure,
errors or omissions or loss of transmitted information. Pinnacle shall not be liable to
you for any physical loss or damage to your computer as a result of your use of the website,
including any damage arising as a result of a virus. You have sole responsibility for
adequate protection and back up of data and/or equipment.
You further acknowledge and agree that fines or liability that Pinnacle may incur, resulting
from your direct or indirect negligent use of the website, that you will be held liable for
all civil and criminal related fines or claims.
Pinnacle is an authorised financial services provider in terms of the Financial Advisory and Intermediary Services Act, 2002. The information contained on this Portal is not intended to constitute a recommendation, guidance or proposal with regards to the suitability of any product in respect of any financial need you may have. All information contained on this Portal should not be construed, or relied upon, as advice. Any information on this website is not intended to provide nor does it constitute financial, tax, legal, investment, or other advice. If you require financial and/or investment advice, please engage the services of an independent financial adviser.
Pinnacle is licensed under a number of pieces of legislature, both in South Africa and outside of South Africa. Please contact your nearest Pinnacle office for details on prevailing legislation and any licenses held by Pinnacle companies.
The maintenance and integrity of this Portal is the responsibility of Pinnacle. By
accessing the materials made available by Pinnacle on this Portal, you agree to be bound
by all the terms and conditions, which may change from time to time.
While every effort has been made to ensure the accuracy of information contained on this
Portal, Pinnacle and its directors, officers and employees provide no representation or
warranty, expressed or implied, regarding the accuracy, completeness or correctness of
information contained herein.
Pinnacle has taken and will continue to take care that all information, insofar as this
is under its control, provided on this Portal is true and correct. However, Pinnacle
shall not be responsible for, and therefore disclaims any liability for, any loss,
liability, 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
Portal.
The use of this Portal constitute a contract between you and Pinnacle. An agreement is thus
concluded between you and Pinnacle and you are deemed to have accepted the terms of use each
time you visit or use this Portal or register for and/or login to your online account.
Your acceptance of these terms of use will be deemed to have taken place at our head office
in Cape Town, South Africa.
Pinnacle may change the terms of use from time to time. You acknowledge that by accessing
the Portal 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).
Your login details serve as your key to access your online Portal account and as your signature for purposes of all actions performed or instructions submitted on your Portal account. The submission of an instruction using your login details shall constitute and have the same effect as a written, signed authority. It is extremely important to protect your login details and keep them secret at all times. You undertake to ensure that your login details are not:
Using your login details represents a valid and binding electronic signature and therefore forms the basis for us to:
You remain responsible for any activities that occur on the Portal where your login details have
been used to gain access.
If you suspect that the secrecy of your login details has been compromised, or that someone has
fraudulently accessed the Portal or submitted a fraudulent instruction on your behalf, you must
notify us immediately. Pinnacle reserves the right in its discretion to reject any instruction
received after such notification, or to suspend the processing of all instructions received after
such notification, or to deactivate the login details with immediate effect from the time of
notification.
Where there has been, or suspected to have been, fraudulent access to, or a fraudulent
instruction submitted via the Portal, you will give us your full co-operation in any
investigation we may carry out.
We reserve the right to terminate your access to the Portal at any time without notice and without providing reasons for the termination. Reasons for the termination may include that:
When you submit an instruction via the Portal, you warrant that:
Pinnacle is entitled to, and shall, regard all instructions submitted through your login
details as having actually originated from you.
You agree that the physical, digital, electronic or similar records held by Pinnacle of all
instructions received via the Portal or physically will constitute prima facie evidence of the
contents of the instruction. You confirm that Pinnacle may accept signed instructions by
electronic means.
Where you are a Financial Adviser and you use the Portal to access your clients' information or to submit an instruction on a client's investment, you hereby warrant that you are an approved financial services provider registered with the Financial Services Board, with the appropriate product sub-categories as defined in the relevant Codes of Conduct issued in terms of the FAIS Act, and that you hold either:
Pinnacle reserves the right to review your license 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 Portal at any time.
The contents of any email and any accompanying documentation are confidential and may be subject to legal privilege and client confidentiality. Any use thereof, in whatever form, by anyone other than the addressee is strictly prohibited. If you are not the intended recipient of an email or facsimile, kindly notify the sender by return email, facsimile or telephone, as well as deleting it from your system. You may not copy the email or disclose its contents to any other person, without our express written consent.
Pinnacle has taken and will continue to take care that all information provided in this email is true and correct, in so far as this is under Pinnacle’s control. Pinnacle does however, not warrant that this email, 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 email. Pinnacle cannot and will not be held liable for any harm or loss resulting from viruses in this email or accompanying documents, including data corruption resulting therefrom. Pinnacle disclaims liability or legal responsibility for the non-delivery or incorrect delivery for whatever reason of the contents of this email, its effect on electronic devices or its transmission in an unencrypted medium.
Pinnacle is not able to distinguish between business and personal emails. Users who make use of Pinnacle's email system do so at their own risk and accept responsibility for any actions or consequences that arise from such personal use. Any views or opinions expressed in such emails are those of the individual sender and do not necessarily create obligations on or represent any commitment or view by, or opinion of Pinnacle. If you are unsure of the content or information contained in an email, it is advised that you seek written confirmation from Pinnacle before relying on the content and/or information. If an email contains offensive, derogatory or defamatory statements or materials, it means the email has been sent outside the sender's scope of employment with Pinnacle and therefore only the sender can be held liable in his/her personal capacity.
By communicating with us through electronic means, you consent to receiving communications
electronically and agree that all agreements, notices, disclosures and all other
communications transmitted by electronic means satisfy any legal requirement, including but
not limited to the requirement that such communication should be in writing. Unless otherwise
agreed, we are only deemed to have received an email once we have confirmed receipt thereof
and we are only deemed to have sent an email once reflected as 'sent' on our email server.
Pinnacle shall not be liable if any variation is affected to any document or correspondence
emailed unless the variation has been approved by the sender thereof. Pinnacle cannot be
held liable for any harm or loss resulting from viruses in any message or attachments,
including data corruption resulting therefrom. Pinnacle therefore disclaims liability or
legal responsibility for the non-delivery or incorrect delivery for whatever reason of the
contents of this message, its effect on electronic devices or its transmission in an
unencrypted medium.
In general, you can visit our Portal without having to divulge any personal information
about yourself. However, while using this Portal you may provide information about yourself
or it may be collected by us.
You may update personal information at any time by e-mailing Pinnacle. You may also view
your personal information that we hold and correct it if necessary on written request to
Pinnacle.
Access to your personal information held by Pinnacle may also be requested by yourself or
third parties. The Promotion of Access to Information Act, 2 of 2000 regulates and sets out
the procedure for such a request and under what circumstances such access may be refused.
Personal information is used as is appropriate in the normal course of business to provide the products and services you have requested. We may retain any information for purposes of investment transaction processing and administration, to monitor our site or to communicate directly with you.
All personal information supplied to Pinnacle or collected by us is kept strictly confidential and will not be given or sold to any third parties. Pinnacle will disclose or report personal information if and when required to do so by law or any regulatory authority, and to our employees, or agents who require such information to carry out their duties.
We take all reasonable steps to protect your personal information, including the use of encryption technology. We can however not guarantee the security of any information you transmit to us electronically and you do so at your own risk.
As is common practice with almost all professional websites this site uses cookies, which are tiny files that are downloaded to your computer, to improve your experience. This page describes what information they gather, how we use it and why we sometimes need to store these cookies. The information they gather may or may not include your personal information as defined in General Data Protection Regulation (“GDPR”) and Protection of Personal Information Act (“POPIA”). We will also share how you can prevent these cookies from being stored however this may downgrade or 'break' certain elements of the sites' functionality.
For more general information on cookies see the Wikipedia article on HTTP Cookies.
We use cookies for a variety of reasons detailed below. Unfortunately in most cases there are no industry standard options for disabling cookies without completely disabling the functionality and features they add to this site. It is recommended that you leave on all cookies if you are not sure whether you need them or not in case they are used to provide a service that you use.
Account related cookies
If you create an account with us then we will use cookies for the management of the signup process and general administration. These cookies will usually be deleted when you log out however in some cases they may remain afterwards to remember your site preferences when logged out.
Login related cookies
We use cookies when you are logged in so that we can remember this fact. This prevents you from having to log in every single time you visit a new page. These cookies are typically removed or cleared when you log out to ensure that you can only access restricted features and areas when logged in.
Forms related cookies
When you submit data to through a form such as those found on contact pages or comment forms cookies may be set to remember your user details for future correspondence.
Site preferences cookies
In order to provide you with a great experience on this site we provide the functionality to set your preferences for how this site runs when you use it. In order to remember your preferences we need to set cookies so that this information can be called whenever you interact with a page is affected by your preferences.
You can prevent the setting of cookies by adjusting the settings on your browser (see your browser Help for how to do this). Be aware that disabling cookies will affect the functionality of this and many other websites that you visit. Disabling cookies will usually result in also disabling certain functionality and features of this site. Therefore it is recommended that you do not disable cookies.
If you have any questions, comments, or concerns regarding this Cookie Policy, please feel free to contact us for further information.