Welcome to our website. If you continue to browse and use this website, you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern JBL Wealth Management and JBL Asset Management’s (“JBL”) relationship with you in relation to this website. If you disagree with any part of these terms and conditions, please do not use our website.

The terms  or “us” or “we” refers to the owner of the website whose registered office is 28 Scott Street, Waverley, Johannesburg, 2090. Our company registration numbers appear below. The term “you” refers to the user or viewer of our website.

The use of the JBL website and the related products and/or services shall be governed by and construed in accordance with the laws of the Republic of South Africa. Should you apply for any products or services on this website, you consent and submit to the jurisdiction of the courts of the Republic of South Africa in regards to all proceedings, actions, applications instituted by either party against the other and in any way arising from any of the stated terms and conditions.

The information contained on this website is to provide you with information about JBL and our services. It is subject to change without notice. The information provided on this website should not be treated as financial or professional advice. We do not provide any warranty or guarantee, expressed or implied, as to the accuracy, availability, completeness and suitability of the information and or products found or offered on this website for any particular purpose. You acknowledge that such information and products may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.

While we have taken care to ensure that the content of this website is accurate and up to date, this website and the services accessible on this website are provided “as is”. Your use of any information, products or services on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.

JBL reserve the right in our sole discretion to amend this website, the products, the information described on this website and the terms and conditions from time to time and you agree that you will review the terms whenever you visit our website for any such amendments.

This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, logos, and graphics. You are authorised to view and download, print and make copies of such printouts provided that you use the material for non-commercial and personal purposes only. You may copy the content to individual third parties for their personal use, but only if you acknowledge this website as the source of the information and/or materials. You may not, without JBL’s expressed written consent, distribute or commercially exploit the content.

JBL makes no warranty as to the operation, availability or functionality of this website and we further make no warranty that the information and products available on this website are free of viruses, destructive materials or any other data which may corrupt or compromise the operation or content of your computer system, computer network, hardware or software. In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website. Every effort is made to keep this website up and running smoothly. However, JBL takes no responsibility for, and will not be liable for the website being temporarily unavailable due to technical issues beyond our control.

From time to time this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).

Unauthorised use of this website may give rise to a claim for damages and/or criminal offence.

Email Terms of use

The following terms shall apply to this e-mail communication, attachments and all subsequent e-mail communications and attachments, collectively referred to as the electronic message, which JBL Wealth Management (“JBL”) may send to you, the receiver. The information contained in this electronic message is confidential and may be legally privileged. It is intended solely for the use of the receiver (individual or entity) to whom JBL has addressed the electronic message, and others authorised by JBL to receive it. If you are not the intended receiver you are hereby notified that any disclosure, copying, distribution or taking action in reliance of the contents of this information is strictly prohibited and may be unlawful. If you are not the intended receiver of this e-mail (or such person’s authorised representative), then please notify the sender of this e-mail immediately by return e-mail, facsimile or telephone and delete this message from your system. You may not print, store, forward or copy this message or any part thereof or disclose or cause information in this message to be disclosed to any other person. JBL is not liable for the improper or incomplete transmission of the information contained in this electronic message, or for any delay in its receipt. JBL is not liable for any harm or loss resulting from malicious software code or viruses in this e-mail or its attachments, including data corruption resulting there from. Any advice or information contained in this e-mail is subject also to any governing agreement between us. Only the Directors of JBL are able to bind the company contractually. No electronic communication including any data message such as an e-mail, SMS or WhatsApp, sent or received will give rise to a binding legal transaction. JBL shall not be liable if any variation is effected to any document or correspondence emailed unless that variation has been approved in writing and signed by an authorised company representative. Use of scanned versions of hand-rendered signatures to give the impression that an e-mail has been “signed” by the sender, is not permitted by JBL and the inclusion of such a “signature” is of no additional force or effect. In accordance with the ECTA (Electronic Communications and Transactions Act 25 of 2002), an e-mail is only deemed to be received by JBL once JBL acknowledges receipt thereof. If this electronic message contains offensive, derogatory or defamatory statements or materials, it means the message has been sent outside the sender’s scope of employment with JBL and only the sender can be held liable in his/her personal capacity. JBL respects your privacy and acknowledges that this e-mail will contain personal details which may belong to you, others and/or to your company. By sending JBL this email communication, you expressly give JBL consent to process and further process the personal information which will be done in accordance with the Protection of Personal Information Act (4 of 2013) (POPIA), JBL’s Privacy Notice and POPIA Policy (which is available upon request) which sets out why JBL needs the personal information, what JBL will do with it, and with whom JBL will share it.

This e-mail disclaimer shall be governed by the law of South Africa.

Conflict of Interest

The General Code of Conduct for the FAIS Act broadly covers conflict of interest and requires that intermediaries disclose to their clients the existence of actual or potential conflicts of interest.  This means any situation in which an intermediary or representative has an interest that may influence the objective performance of his obligations to his client or may prevent an intermediary from rendering an unbiased financial service.

We have adopted and implemented a Conflict of Interest Management Policy to ensure that we comply with the act and we confirm that, in the event that there is a potential conflict of interest in respect of the service rendered or the advice provided, the interest of our client will be accorded priority over our own interests.

A full copy of our Conflict of Interest Management Policy can be obtained from our offices upon written request to info@jblwealth.co.za.

Complaints Resolution

In the event that you are dissatisfied with any aspect of the advice or intermediary service provided by a Representative of JBL Wealth Management, your first course of action will be to contact the following person in writing with full details of the problem you have encountered:

Name:  Dawn Fryer (Key Individual)
Address: Atlantic House, Glenhove Square, 71 4th Street, Houghton, Gauteng, South Africa
E-mail address: info@jblwealth.co.za

If your complaint cannot be resolved internally then you are entitled to refer the complaint to the FAIS Ombudsman whose offices have been established to provide clients with a redress mechanism for any inappropriate financial advice or intermediary services that may have been given.  The details of the FAIS Ombud’s office

The FAIS Ombud
P.O. Box 74571, Lynwood Ridge, 0040
Tel: 012 470 9080
Fax: 012 348 3447
E-mail: info@faisombud.co.za
Website: www.faisombud.co.za

Copyright Notice

This website, including artwork, design and content, is owned by JBL and may be protected by copyright and other intellectual property laws. JBL authorises the reader to view the contents of this website for information and non-commercial purposes only.

PRIVACY POLICY

PAIA

The Promotion of Access to Information Act (PAIA), Act 2 of 2000, gives you the right to access information that you might require for the exercising or protection of any rights. Once you have met certain requirements, you will be granted access to the information you require. The Act also requires private bodies (e.g. JBL) to compile a manual that will assist people who want to exercise their right of access to information.

Should you want to exercise your right of access to information, you can download the Manual below, as well as the prescribed form and fees you need to pay.

Promotion of Access to Information Manual
JBL Wealth Management FSCA Licence
JBL Asset Management FSB License
JBL Group Conflict of Interest Policy
JBL Group Privacy policy
JBL Complaints Resolution Policy

Compliance Officer

JBL’s compliance officer is Justin Joannides (FSB# CO3485) of Crux Consulting. (T) 011 234 4991 (F) 086 504 0010 (email) justin@cruxconsulting.co.za

JBL Registered Information :

JBL Wealth Management (Pty) Limited is approved as a Financial Services Provider in terms of the Financial Advisory and Intermediary Services Act, 2002 (FSP. No. 12098). Registration Number 2001/000036/07 Registered Offices: Address: 21 Scott Street, Waverley, Johannesburg, 2090. Telephone: (+27) 861 5555 99, Fax: (+27-11) 483 1860

JBL Asset Management (Pty) Limited is an authorised Discretionary Financial Services Provider in terms of the Financial Advisory and Intermediary Services Act, 2002 (FSP. No. 44710). Registration Number 2013/048132/07 Registered Offices: Address: 21 Scott Street, Waverley, Johannesburg, 2090. Telephone: (+27) 861 5555 99, Fax: (+27-11) 483 1860