Torchway Investments (Pty) Ltd T/A Investonline.co.za does not accept liability for any loss, damage or expense that may be incurred as a direct or indirect consequence of reliance placed on information contained on the Investonline.co.za website.

Any reference to Investonline.co.za below constitutes reference to Torchway Investments (Pty) Ltd Company registration no. 2009/016758/07 – an FSB approved Company and authorised financial services provider under licence – FSP 40592.

It is important for anyone intending to follow our recommendations to understand that these are provided in good faith as a free service to our investors. As such we cannot be held liable for any loss incurred as a result of these or adverse market movements.

The formal disclaimer follows:

Investonline.co.za shall not be held responsible for any losses or damages that any party may incur as a result of having relied on the information given where the information was not accurate.

Any views expressed in this website reflect the current views and opinions of the staff of Investonline.co.za. The recommendations made and opinions expressed herein are done in good faith and to the best of our ability. We believe that we have the necessary skills, qualifications and experience to make investment recommendations (please refer to the section on Investonline.co.za’s investment expertise under the website tab “Team” on the Investonline.co.za website for detail).

Investonline.co.za is approved by the FSB as a Category 1 licence non-discretionary Financial Service Provider. In terms of the aforesaid approval, Investonline.co.za is entitled to market non-discretionary unit trusts investments to its clients in South Africa.

The price and value of investments and their income may fluctuate. You may get back less than the amount that you invested. Past performance is not necessarily a guide to future performance.
The information on this website is provided solely to enable investors to make their own investment decisions and should not be regarded as a solicitation or recommendation to buy, sell or otherwise deal with any particular investment.

The investment and investment services referred to in the Investonline.co.za website may not be suitable for all investors. If you are in need of personal in depth financial advice or a full financial needs analysis, you should consult an appropriate financial adviser.

The levels of and bases of taxation can change. The value to an investor of any tax benefits will depend on that investor’s tax position. Investors should consult their own tax advisers in order to understand any applicable tax consequence.

Where an investment is described as likely to yield income, or being suitable for an investor particularly seeking income from his/her investments, you should note that income from investments may fluctuate and part of the capital may be used to pay that income.

The content of this website is the property of Investonline.co.za or its licensors and is protected by copyright and other intellectual property laws. It may be, displayed, re-formatted and printed for your personal, non-commercial use only. By using the site, you agree not to reproduce, re- transmit or distribute the content of this website to anyone without prior written consent of Investonline.co.za.

The financial market information, news and research (collectively ‘information’) accessible through this site are prepared by information providers (‘Providers’). Investonline.co.za does not guarantee the suitability or potential value of any information or particular investment source.

Neither Investonline.co.za nor the providers guarantee the accuracy, timeliness, completeness or correct sequencing of the information provided, or warrant any results from the information provided.

In no event will investonline.co.za, the providers or other persons transmitting this information be liable for consequential, incidental, special or indirect damages (including, but not limited to, lost profits, trading losses and damages that may result from inconvenience, delay or loss of use of the information or for omissions or inaccuracies in the information) even if advised of the possibility of such damages. There is no warranty of any kind, express or implied, regarding the information or any aspect of this service. Any warranty implied by law is hereby excluded except to the extent such exclusion would be unlawful.

The information is compiled in good faith and based on sources believed to be reliable, accurate and up to date, but no representations or warranties, express or implied, are made as to the accuracy, completeness or suitability of the information and no responsibility or liability is accepted by Investonline.co.za for any damages or losses which may flow, directly or indirectly, from any use of any information.

Torchway Investments (Pty) Ltd. T/A Investonline.co.za is registered with the Financial Services Board (FSB) as an Financial Services Provider in terms of the Financial Advisory and Intermediary Services Act 37 of 2002
Past performance is not necessarily a guide to the future and investors may not get back the full amount invested. Asset class information is as at the stated date on each of the fund fact sheets accessible under the “unit trust funds available” tab on the website. However asset allocations could change considerably over time subject to mandate parameters.

Collective Investment Schemes in Securities (Unit trusts) are generally medium to long term investments (36 months and longer). The value of participatory interests (units) may go down as well as up and past performance is not necessarily a guide to the future. Unit trusts are traded at ruling prices and can engage in borrowing and scrip lending. Fluctuations or movements in exchange rates may cause the value of underlying International investments to go up or down.

The TER (total expense ratio) for each of our unit trust funds available is accessible on the fund fact sheets section housed in the unit trusts available section of the site.

Investonline.co.za will endeavour to keep these fund fact sheets up to date at all times, however, we cannot be held liable for recent unit trust fund fee changes not updated on the funds fact sheets displayed on the website.

Important Notice: The investment services and information available on this website are not targeted at residents outside of the Republic of South Africa. In particular, nothing on this website should be interpreted as targeting persons or entities in the United States of America, Canada, the United Kingdom, Australia and Hong Kong.

Applicants may be granted access to the services once we are satisfied that such access would not be in breach of the relevant laws of the jurisdiction in which the applicant is resident, registered or domiciled.


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