Invequity

TERMS AND CONDITIONS FOR A FINANCIAL SERVICES PROVIDER

1. Introduction

1.1. These Terms and Conditions govern the relationship between the client (“you”, “your”) and Invequity (Pty) Ltd (“we”, “us”, “our”), a Financial Services Provider licensed under the Financial Sector Conduct Authority (FSCA) in terms of the Financial Advisory and Intermediary Services Act, 2002 (FAIS).

1.2. We are authorised to provide financial services in terms of a Category I FSP license, specifically related to investment management.

1.3. By appointing us to provide services, you agree to be bound by these Terms and Conditions.

 

2. Definitions

2.1. Client: A natural or legal person who has entered into an agreement for services with the FSP.

2.2. FICA: Financial Intelligence Centre Act, 2001.

2.3. FSCA: Financial Sector Conduct Authority.

2.4. FSP: Financial Services Provider as defined in FAIS.

2.5. Investment Products: Includes unit trusts, ETFs, discretionary portfolios, or other financial instruments.

 

3. Authorisation and Licensing

3.1. We are licensed as a Category I FSP under FAIS to provide advice and/or intermediary services in relation to the following products:

  • Long-Term Insurance Category B1, B2, and C

  • Retail Pension Benefits

  • Securities and Instruments: Shares, Bonds, Money Market Instruments, Derivatives

  • Participatory Interests in Collective Investment Schemes

 

3.2. Confirmation of our license, including categories, can be verified via the FSCA website or upon request.

 

4. Scope of Services

4.1. We provide investment management services which may include:

  • Portfolio management

  • Investment advice

  • Execution of client instructions

  • Asset allocation and monitoring

 

4.2. We do not guarantee returns and all investments carry risk, including the risk of loss.

 

5. Client Suitability and Disclosure

5.1. Before providing advice, we will conduct a needs analysis and ensure that recommendations are suitable for your financial circumstances, objectives, and risk profile.

5.2. All material disclosures regarding fees, risks, conflicts of interest, and product features will be made in accordance with the FAIS General Code of Conduct.

 

6. Risk Disclosure

6.1. Investment products are subject to market, credit, liquidity, and other risks. You acknowledge that:

  • Past performance is not indicative of future results.
  • The value of investments can rise or fall.
  • We cannot be held liable for losses due to market movements or third-party failures.

 

7. Fees and Charges

7.1. Fees are disclosed upfront and may include:

  • Initial advise fees
  • Ongoing advisory or management fees
  • Performance-based fees (where applicable)

7.2. All fees will be agreed to in writing and may be subject to VAT.  

 

8. Instructions

8.1. All instructions must be in writing or sent via authorised communication channels.

8.2. We will act on valid instructions as soon as reasonably possible and will not be liable for any delay caused by third parties or force majeure.

 

9. Conflicts of Interest

9.1. We maintain a Conflict of Interest Management Policy, available on request.

9.2. Where a conflict of interest exists, we will disclose it to you and take reasonable steps to manage it.

 

10. Client Confidentiality and Data Protection

10.1. We comply with the Protection of Personal Information Act, 2013 (POPIA).

10.2. Your personal and financial information will be handled confidentially and will not be shared without your consent, except as required by law.

 

 

11. Financial Intelligence Centre Act (FICA) Compliance

11.1. In terms of FICA, we are required to verify your identity and source of funds.

11.2. You agree to provide all documentation and information required for FICA compliance and to keep this information up to date.

 

12. Record Keeping

12.1. We will retain all records in accordance with the FAIS Act and applicable regulations for a period of at least five (5) years.

 

13. Complaints Handling

13.1. We have a formal complaint handling procedure. Complaints may be submitted to:

Complaints Officer
Boitumelo Nkatsane Ditsepu
Tumi@invequity.co.za / 082 953 5004

13.2. If unresolved, complaints may be escalated to the FAIS Ombud:
www.faisombud.co.za | Tel: 012 762 5000

 

14. Termination

14.1. Either party may terminate this relationship with 30 days’ written notice.

14.2. Fees due for services rendered up to date of termination will be payable.

14.3. On termination, we will ensure the orderly transfer of liquidation of your investments, subject to any outstanding obligations. 

 

15. Liability and Indemnity

15.1. We will not be liable for:

  • Losses arising from third-party services or systems
  • Delays due to circumstances beyond our control
  • Investment losses due to market performance

 

15.2. You indemnify us against claims, or losses arising from your breach of these terms or unlawful instructions.

 

16. Amendments

16.1. We may amend these Terms and Conditions from time to time. You will be notified of material changes in advance.

 

17. Jurisdiction

17.1. These Terms are governed by the laws of the Republic of South Africa.

17.2. Any dispute will be resolved in accordance with South African law and may be referred to the FAIS Ombud where appropriate. 

 

18. Acceptance

By signing the client mandate or otherwise engaging with us for financial services, you acknowledge that you have read, understood, and agree to these Terms and Conditions.

 

 

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01

THE AFRICAN WOMAN
At the heart of Invequity’s ethos, lies the profound respect for the enduring strength of African women. These women, the bedrock of their communities, have for generations carried the future of the continent, literally and metaphorically on their backs. In this sacred act of motherhood, they embody a deep-seated tradition of love, protection, and the transference of ancestral wisdom. This ritual is not merely about sustaining life; it’s a testament to the power of nurturing and the seamless blend of past, present, and future, echoing the vast tapestry of African heritage.
THE AFRICAN ELEPHANT
Parallel to this, the attributes of the African elephant resonates, with the core principles that guide Invequity. The strength and resilience of these majestic creatures mirror Invequity’s robust position in the financial sector, challenging and reshaping traditional norms and structures. The elephant’s matriarchal society, where leadership and wisdom are passed through generations of females, reflects Invequity’s innovative leadership model, dominated by Black women. This alignment signifies a pivotal shift from conventional corporate paradigms towards a more inclusive and equitable framework.
THE AFRICAN WOMAN
At the heart of Invequity’s ethos, lies the profound respect for the enduring strength of African women. These women, the bedrock of their communities, have for generations carried the future of the continent, literally and metaphorically on their backs. In this sacred act of motherhood, they embody a deep-seated tradition of love, protection, and the transference of ancestral wisdom. This ritual is not merely about sustaining life; it’s a testament to the power of nurturing and the seamless blend of past, present, and future, echoing the vast tapestry of African heritage.