Purpose

By using this website, you confirm that you have read, understood, and agree to these Terms of Service, which are binding upon you. If you do not agree, you must immediately discontinue use of this website.

Regulatory Status

Carrick Athena (Pty) Ltd (“CA”) is a owned subsidiary of Carrick Financial Services (Pty) Ltd (CFS), registration number 2014/102460/07, a company incorporated in South Africa. CA is authorized to render financial services as a Juristic Representative under the Financial Services Provider (FSP) license of Carrick Wealth (Pty) Ltd (FSP No. 45621).

Client Relationship

When engaging with CA, we will require you to complete a mandate or other contractual documentation to ensure your instructions and objectives are carried out in accordance with applicable regulations.

Intellectual Property and Use of Website Content

This website and all material, text, images, graphics, logos, and other content are the property of CA or CFS, unless otherwise stated. All rights are reserved under South African and international intellectual property laws.

You may view, download, and print website content for personal, informational, and non-commercial purposes only, provided that:

• You do not alter or modify the content
• You retain all copyright and attribution notices
• You do not use the content for any unlawful purpose
• Any trademarks, service marks, or logos displayed are the property of CA or CFS and may not be used without prior written consent.

Disclaimers and Limitations of Liability

This website is provided for general informational purposes only. Nothing contained herein constitutes financial, legal, tax, or investment advice. You should obtain professional advice before making any financial decisions.

While every effort has been made to ensure the accuracy of information, CA makes no warranties or representations (express or implied) regarding:

• The accuracy, completeness, or reliability of the website content
• The website being error-free, secure, or uninterrupted
• The website being free from viruses or malicious code

Your use of this website is at your own risk. CA, CFS, and their employees or affiliates shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or related to the use of this website.

Links to Third-Party Websites

This website may contain links to third-party websites provided for your convenience. CA and CFS make no warranties or representations regarding the accuracy, content, or security of such third-party websites and accept no liability for your use of them.

Applicable Law

These Terms of Service are governed by the laws of the Republic of South Africa. Any disputes arising in relation to the use of this website shall be subject to the jurisdiction of the South African courts.

Nothing in these Terms of Service limits your right to lodge a complaint with the Ombud or any other competent authority under applicable law.

Amendments

CA may update these Terms of Service at any time without prior notice. Updated versions will be posted on this website with a revised effective date. Continued use of this website after such updates constitutes acceptance of the revised terms.