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Legal

Disclosures 
Fais Act disclosure

Terms 
Website terms

Policies

Maintaining legal and regulatory compliance is crucial to safeguarding your investments. We navigate the complex landscape of financial regulations, ensuring that investment activities adhere to legal, regulatory, and internal policy requirements.  
Financial interest  
Conflict of interest management policies  
Complaints resolution policy and pro

Fais Act Disclosures

Avena Wealth (Pty) Ltd is an authorised financial services (FSP38418)), in terms of the Financial Advisory and Intermediary Services Act, 37 of 2002  (Fais Act), as may be amended and/or replaced from time to time,  
 
The information contained in this website may not be used, published or redistributed without the prior written consent of Avena Wealth Pty (Ltd). Under no circumstances will  Avena Wealth be liable for any cost, loss or damages arising out of the unauthorised dissemination of this website or the information contained herein, and you agree to indemnify Avena Wealth accordingly. 
 
Past performance of an investment is no guide to its performance in the future. Investments, or income from them, can go down as well as up. You may not necessarily get back the amount you invested. This site does not offer advice and the content and information about potential investments and services are designed for general use, and so cannot be considered personal to your circumstances or your financial position. 

Website Terms

Introduction 
These Terms of Service ("Terms") govern your access to and use of our website, avenawealth.co.za (the "Site") and any related services (collectively, the "Services"). By accessing or using our Site and Services, you agree to comply with and be bound by these Terms. If you do not agree with any part of these Terms, please do not use our Site or Services. 
2.     Acceptance of Terms 
By accessing or using our Site and Services, you agree to these Terms, which may be updated from time to time without notice. Your continued use of the Site and Services constitutes your acceptance of the updated Terms. 
3    Account Registration 
Account Creation 
To access certain features or services, you may need to register for an account. You agree to provide accurate, current, and complete information during the registration process and to update your information as necessary to keep it accurate, current, and complete. 
Account Security 
You are responsible for safeguarding your account credentials and for any activities or actions under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security. 
4.     Use of Services 
You agree to use our Site and Services only for lawful purposes and in accordance with these Terms. You agree not to use the Site or Services: 
In any way that violates any applicable local, state, national, or international law or regulation. 
To transmit or procure the sending of any advertising or promotional material without our prior written consent. 
To impersonate or attempt to impersonate our Company, our employees, another user, or any other person or entity. 
 
Prohibited Activities 
You agree not to: 
Interfere with or disrupt the Site or servers or networks connected to the Site. 
Use any automated system, including but not limited to, robots, spiders, or offline readers, to access the Site in a manner that sends more request messages to the Site servers than a human can reasonably produce in the same period of time. 
Attempt to gain unauthorized access to any portion of the Site or any other systems or networks connected to the Site. 
 5.     Intellectual Property 
Ownership 
All content, features, and functionality on the Site, including but not limited to text, graphics, logos, images, and software, are the exclusive property of our Company and are protected by copyright, trademark, and other intellectual property laws. 
 
Rights 
We grant you a limited, non-exclusive, non-transferable, and revocable right to access and use the Site and Services for your personal, non-commercial use in accordance with these Terms. You may not reproduce, distribute, modify, or create derivative works from any content on the Site without our prior written consent. 
6.     User Content 
Submission 
Any content, including but not limited to comments, feedback, and suggestions, that you submit to us or post on the Site ("User Content") remains your property. By submitting User Content, you grant us a worldwide, royalty-free, perpetual, and irrevocable license to use, reproduce, modify, and display such User Content in connection with the Site and Services. 
 
Responsibility 
You are solely responsible for any User Content you submit and agree that such User Content will not: 
Violate any law or regulation. 
Infringe upon the rights of any third party. 
Contain any defamatory, obscene, or offensive material. 
7.     Termination 
We may terminate or suspend your access to our Site and Services, without prior notice or liability, for any reason, including if you breach these Terms. 
You may terminate your account by contacting us directly. Upon termination, your right to use the Site and Services will immediately cease. 

8.     Disclaimer of Warranties 
General Disclaimer 
 
The Site and Services are provided "as is" and "as available" without any warranties of any kind, whether express or implied. We do not warrant that the Site or Services will be error-free, uninterrupted, or free from viruses or other harmful components. 
 
Limitation of Liability 
To the fullest extent permitted by law, our Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or data, arising out of or related to your use of the Site or Services. 
 
Indemnification 
You agree to indemnify, defend, and hold harmless our Company its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, or expenses, including reasonable attorneys' fees, arising out of or related to your use of the Site or Services, or your violation of these Terms. 
10.    Governing Law
These Terms are governed by and construed in accordance with the laws of South Africa. Any disputes arising out of or related to these Terms or your use of the Site or Services shall be resolved in the courts located in Johannesburg, Gauteng.
11.     Changes to Terms 
We reserve the right to update or modify these Terms at any time. Any changes will be effective immediately upon posting the revised Terms on the Site. Your continued use of the Site or Services after any such changes constitutes your acceptance of the new Terms.

 
12.     Contact Us 
If you have any questions about these Terms or our Site and Services, please contact us  

Thank you for using our Company. We appreciate your trust and support.