Each page on this website may have additional legal information and/or terms and conditions that are applicable to that specific page. In this regard we refer you to the Legal Information and Terms and Conditions on the following webpages:

• Nedbank Private Wealth Internet Banking
• Nedbank Private Wealth Portfolio View
• Nedbank Private Wealth Consolidated View
• Nedbank Private Wealth Stockbroking
• Nedbank Private Wealth International

REGULATORY INFORMATION
Nedbank Private Wealth offers:

• Investment Services through Nedgroup Private Wealth (Pty) Ltd (Registration Number 1997/009637/07) an authorised financial services provider (FSP 828)

MANDATORY DISCLAIMER
Whilst Nedbank Private Wealth offers you a choice of investment services, the underlying funds forming part of Nedbank Private Wealth strategy solution, are managed by Nedgroup Investments. More specifically, Nedgroup Collective Investments (RF) Proprietary Limited, is the company that is authorised in terms of the Collective Investment Schemes Control Act to administer the Nedgroup Investment Private Wealth unit trust portfolios. It is a member of the Association of Savings & Investment South Africa (ASISA).

Banking Services through Nedbank Limited (Registration Number 1951/000009/06) an authorised financial services provider and registered credit provider in terms of the National Credit Act (NCR Registration No. NCRCP16). 

Stockbroking Services through Nedgroup Private Wealth Stockbrokers (Pty) Ltd (Registration Number 1996/015589/07) a member of the JSE Limited and a juristic representative of Nedgroup Private Wealth (Pty) Ltd, an authorised financial services provider (FSP 828). Also a registered credit provider in terms of the National Credit Act (NCR Registration No. NCRCP59).

COPYRIGHT
This website is owned by Nedbank Limited and is protected by copyright and other intellectual property laws. You may only view, download and print information on this website for personal use.

PRIVACY POLICY
Nedbank Private Wealth respects your privacy and will take all reasonable steps to protect your personal information. Whether you are a Nedbank Private Wealth client or a visitor to the public area of our Web site, we understand the importance you place on the privacy and security of information that personally identifies you or your account information. We refer to and treat this information as "personal information."

Nedbank Private Wealth, in conjunction with Google Analytics and Display Advertising (including but not limited to Remarketing, Google Display Network Impression Reporting, DoubleClick, and Google Analytics Demographics and Interest Reporting services) makes use of cookies - files that reside on the computer that you use to access the web used for storing pieces of information - to gather anonymous data about your interaction with our website and other websites. No personal identification information, such as your name or email address, is ever required or stored in this process, and your details are never sold to any third party. Access to and use of the data provided by Google and the aforementioned services assists us in delivering advertising and content that is more relevant to you and your interests. The collection and usage of this data can be disabled at any time by visiting www.google.com/settings/ads and changing your preferences. More information about this can be found at https://support.google.com/ads/answer/2662922?hl=en

PERSONAL INFORMATION
In general, you can visit our website without having to divulge any personal information. However, while using this website you may provide information about yourself or it may be collected by us.

If you have registered on our secure site, you may view your portfolio or account information and update your personal information at any time on the website. Your information is protected by a username and password. You are responsible for keeping such username and password confidential and should not disclose it to any third party. You may change your password at any time and we recommend that you do so regularly.

Access to your personal information held by us 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.

USE OF INFORMATION
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.

SHARING OF INFORMATION
All personal information supplied to us or collected by us is kept strictly confidential and will not be passed on or sold to third parties. We 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.

SECURITY OF INFORMATION
We take all reasonable steps to protect your personal information and are committed to ensuring that your information is secure, including the use of encryption technology. We can, however, not guarantee the security of any information you transmit to us electronically as it is susceptible to interception and monitoring. You, therefore, bear all risk of transmitting information in this manner.

ELECTRONIC COMMUNICATIONS AND RECORDS
By communicating with us by electronic means or visiting this website, you consent to receiving communications electronically and agree that all agreements, notices, disclosures and all other communications transmitted by electronic means satisfies any legal requirement, including but not limited to the requirement that such communication should be ‘in writing’.

COMPLAINTS
Nedbank Private Wealth values your support as a client and your satisfaction is therefore of the utmost importance to us.Naturally, there may be times when you are not satisfied with our service, or you simply have a complaint. We encourage you to contact us, and have established a simple complaints resolution procedure for this purpose.We will deal with your complaint as quickly and effectively as possible. For details on our Client Complaints Procedure, please see the document at the bottom of this page.

PROMOTION OF ACCESS TO INFORMATION ACT
The Promotion of Access to Information Act, no 2 of 2000 (the ‘Act’) was enacted on 3 February 2000, giving effect to the constitutional right of access to any information held by the state and any information that is held by any other person and that is required for the exercise of protection of any rights. In order for access to information to be granted, certain requirements have to be met.The Act requires Nedbank Private Wealth to compile a manual to assist people who want to exercise their right to access to information. This manual, as well as the prescribed request form and fees payable, is available at the bottom of this page. 

CONFLICTS OF INTEREST MANEGEMENT POLICY
A conflict of interest prejudices or can be seen to prejudice an individual’s objectivity and ability to act in the best interest of our business or our clients.The Conflict of Interest Management Policy, which sets out the standards determined by Nedbank Private Wealth in respect to avoiding or, where this is not possible, mitigating potential and actual conflicts of interest, is available at the bottom of this page.

DISCLAIMER
In order to ensure that there are no misunderstandings that could lead to possible disputes about your online dealings with us, it is in your interest that you read the disclaimer below which covers all interactions and transactions on this site.

• The information appearing on these pages is made available without any representation or warranty whatsoever, whether expressed or implied.
• All information regarding the products and services, including information in respect of their terms and conditions is subject to change.
• We cannot guarantee the accuracy of information contained in the website, its source or that it is current and reserve the right to make corrections or improvements.
• All services that are offered by us are subject to the completion of our application forms and relevant documentation which contain our terms and conditions. We reserve the right to reject at our discretion any application submitted relating to any of our services as contained on this website.
• Part of the information contained in these sites is supplied to us by various third parties. The receipt of such information is dependent on such third parties and complex infrastructures for delivery over which we have no control. We shall not assume any liability for losses of any nature arising out of delays or failures in the delivery of such information.
• All calculations made on calculators supplied on these sites, together with rates quoted, are guidelines only and subject to confirmation at the time of finalising any transactions.
• While every care and effort has been and is continuously taken to ensure the accuracy of information provided herein, Nedbank Private Wealth accepts no liability whatsoever for any loss, whether direct, indirect or consequential, arising from information made available on these pages and actions or transactions resulting there from.
• The information contained in these pages does not constitute an offer of or an invitation to apply for any Nedbank Private Wealth Product or Service in any jurisdiction where such offer or invitation is unlawful, or any jurisdiction in which Nedbank Private Wealth is not qualified to make such offer or invitation, or to persons to whom it is unlawful to make such offer or invitation. Users resident outside the Republic of South Africa are advised to consult legal and/or investment specialists before taking any action.
• Linked/third party sites are not under our control and we are not responsible for their contents or the contents of any further links contained in linked/third party sites. We do not make any representation regarding information nor endorse these linked/third party websites.
• Information provided on our website or any linked/ third party website does not constitute financial, investment, legal, tax, consulting or other advice.

This website is regulated by the following conditions of use which may be amplified by the terms and conditions of our secure sites: 

CONDITIONS OF USE OF WEBSITE
Acceptance: By accessing, registering your information with us and/or applying for any products and services offered on this web site, you agree to the Disclaimer.

Jurisdiction: Unless otherwise stated in the terms and conditions relating to specific products or services, the laws of the Republic of South Africa will govern all terms and conditions of any product or service contained in these pages. Should you apply for any product or service through our web site, you hereby consent and submit to the jurisdiction of the South African courts in regard to all proceedings, actions, applications or the like instituted by us against you or vice versa, and in any way arising from any stated terms and conditions.

Signatures: All products and/or services offered in this web site are subject to signature of the requisite application forms, mandates and other documentation relating thereto as determined at our sole discretion.

Currency: Unless otherwise stated, all monetary amounts mentioned in this web site are in South African Rand.

Compliance with Laws: The user shall comply with all laws, rules and regulations which are now or may in the future be laid down by any government authority or agency regulating the operation or use of this Web Site.