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Terms of Service

Last updated: January 2026

Welcome to TaxFreeInvesting.co.za. By accessing and using this website, you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, please do not use our website.

1. Nature of Service

TaxFreeInvesting.co.za provides educational content about Tax-Free Savings Accounts (TFSAs) and Exchange Traded Funds (ETFs) in South Africa. Our services include:

  • Educational articles and guides
  • Interactive financial calculators
  • ETF database and comparison tools
  • Newsletter subscriptions

2. Educational Purpose Only

All content on this website is for educational and informational purposes only.

The information provided does not constitute financial advice, investment advice, trading advice, or any other sort of advice. You should not treat any of the website's content as such.

We do not recommend that any financial product or security should be bought, sold, or held by you. Nothing on this website should be construed as an offer, solicitation of an offer, or advice to buy or sell any securities.

3. No Professional Relationship

Use of this website does not create a professional-client relationship between you andTaxFreeInvesting.co.za. We are not financial advisors, tax advisors, or investment professionals. We are not registered with the Financial Sector Conduct Authority (FSCA) as a financial services provider.

4. Accuracy of Information

While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about:

  • The completeness of any information
  • The accuracy of any information
  • The reliability of any information
  • The suitability of any information for your particular circumstances

TFSA limits, tax brackets, and ETF data may change. Always verify current information with official sources such as SARS, fund managers, or a qualified financial advisor.

5. Calculator Disclaimer

Our financial calculators are provided as educational tools only. The results are based on hypothetical scenarios and assumptions that may not reflect your actual situation. Calculator results should not be relied upon for making financial decisions.

Assumptions used in calculators include:

  • Constant annual returns (actual returns vary)
  • Regular monthly contributions (may not reflect your situation)
  • No fees or transaction costs (unless specified)
  • Reinvestment of all distributions

6. ETF Database Disclaimer

The ETF information on this website is compiled from publicly available sources. We do not guarantee the accuracy, completeness, or timeliness of this information. Always refer to official fund factsheets and the ETF provider's website for current information before making investment decisions.

7. Third-Party Links

Our website may contain links to external websites that are not operated by us. We have no control over the content and practices of these sites and cannot accept responsibility for their respective privacy policies.

8. Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of TaxFreeInvesting.co.za or its content suppliers and is protected by South African and international copyright laws.

You may not reproduce, distribute, modify, or create derivative works from any content without our express written permission.

9. User Conduct

You agree not to:

  • Use the website for any unlawful purpose
  • Attempt to gain unauthorized access to any part of the website
  • Interfere with the proper functioning of the website
  • Use automated systems to access the website without permission
  • Misrepresent your identity or affiliation

10. Limitation of Liability

To the fullest extent permitted by South African law, TaxFreeInvesting.co.za shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses.

We shall not be liable for any investment losses, tax penalties, or other financial consequences resulting from your use of information on this website.

11. Indemnification

You agree to indemnify and hold harmless TaxFreeInvesting.co.za from any claims, damages, losses, or expenses arising from your use of the website or violation of these terms.

12. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the Republic of South Africa. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the South African courts.

13. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website after any changes constitutes acceptance of the new terms.

14. Severability

If any provision of these Terms of Service is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

15. Contact

If you have questions about these Terms of Service, please visit our website at https://taxfreeinvesting.co.za.