Terms of Service

1. Introduction

Welcome to Mattercap Investments (Pty) Ltd. These Terms of Service ("Terms") govern your use of our services, website, and investment platforms. By accessing or using our services, you agree to be bound by these Terms. If you disagree with any part of these Terms, you may not access our services.

2. Definitions

In these Terms:

• "We," "us," "our," and "Mattercap" refer to Mattercap Investments (Pty) Ltd
• "You," "your," and "client" refer to the user of our services
• "Services" refers to all investment, advisory, and related services provided by Mattercap
• "Platform" refers to our website, mobile applications, and other digital services
• "FSCA" refers to the Financial Sector Conduct Authority

3. Regulatory Information

Mattercap Investments (Pty) Ltd is:

• Registered in South Africa (Registration Number: 2023/1400/44)
• A licensed Financial Services Provider (FSP Number: 53672)
• Regulated by the Financial Sector Conduct Authority (FSCA)
• Compliant with FAIS, FICA, and other applicable regulations

4. Services

We provide the following services:

• Investment management and advisory services
• Financial planning and consultation
• Portfolio management
• Investment research and analysis
• Digital platform access for portfolio monitoring

5. Account Registration and Management

To use our services, you must:

• Be at least 18 years old
• Provide accurate and complete information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access
• Complete all required FICA verification processes

6. Investment Risks

7. Fees and Charges

Our fee structure includes:

• Management fees
• Transaction fees
• Advisory fees
• Platform access fees
• Performance fees (where applicable)

All fees are detailed in our Fee Schedule, which forms part of these Terms.

8. Client Responsibilities

You agree to:

• Provide accurate and complete information
• Update your information promptly when it changes
• Comply with all applicable laws and regulations
• Use our services in accordance with these Terms
• Maintain the confidentiality of your account
• Pay all applicable fees and charges

9. Intellectual Property

All content on our platform, including but not limited to:

• Logos and trademarks
• Research and analysis
• Investment tools and calculators
• Website design and content

is the property of Mattercap Investments (Pty) Ltd and is protected by intellectual property laws.

10. Communication

By using our services, you consent to receive communications from us via:

• Email
• SMS
• Platform notifications
• Telephone
• Post

11. Limitation of Liability

To the maximum extent permitted by law, Mattercap Investments (Pty) Ltd shall not be liable for:

• Investment losses
• System downtime or technical issues
• Delays in executing transactions
• Third-party service provider failures
• Force majeure events

12. Termination

We may terminate or suspend your account and access to our services:

• For breach of these Terms
• For suspected fraudulent activity
• To comply with regulatory requirements
• At our discretion with reasonable notice

13. Amendments

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to our platform. Continued use of our services constitutes acceptance of modified Terms.

14. Governing Law

These Terms are governed by the laws of South Africa. Any disputes shall be subject to the exclusive jurisdiction of the South African courts.

15. Contact Information

For any queries regarding these Terms, please contact us at: