Legal

Conditions of access

Conditions of access

Thank you for visiting our website. Before you go any further it is important that you read and understand the conditions under which you'll use the site.


Acceptance
Onlineservices
Types of information on our website
Your privacy and security
Changes to these Terms
Live information on the website
Links to other websites
Permission for linking to our website
Our intellectual property
You must use suitable hardware and software
Risks of sending information over the Internet
Closing, suspending or limiting the website
Disclaimer and limits of our responsibility
How disputes will be resolved
Capacity to enter into agreements
Our certificate is initial proof of our website's contents
Our address for notices and service of legal process
The law that applies to these Terms
General

Privacy statement

Privacy statement of The Standard Bank of South Africa Limited, its subsidiaries and associate companies*

The Standard Bank of South Africa Limited, its subsidiaries and associate companies (the bank, we, us, our) treat personal information we collect through this website, associated websites, mobile sites, mobile applications and other channels as private and confidential.

Collection

We collect personal information directly from you, and where lawful and reasonable, we may collect personal information about you from third parties and publicly available sources, such as credit reporting and government agencies for the purposes set out below.  

We use your personal information to:

  • meet our responsibilities to you
  • follow your instructions
  • process your personal information for ordinary business purposes (this includes to open and maintain your account, give effect to transactions, administer claims where applicable, manage our risks and maintain our overall relationship with you)
  • carry out statistical and other analyses to identify potential markets and trends, evaluate and improve our business (this includes improving existing and developing new products and services)
  • tell you about services and products available within the Group
  • make sure our business suits your needs, and
  • comply with applicable regulations.

Without your personal information, we may not be able to provide or continue to provide you with the products or services that you need.

Your consent

We will process your personal information if you give us your consent willingly or in accordance with the law. You give your consent to us through our product and services agreements.

We will only disclose your personal information if:  

  • the law requires it;
  • we have a public duty to disclose the information;
  • our or your legitimate interests require disclosure; or
  • you agreed that we may disclose your information.

Third parties

We ask individuals, organisations and our subsidiaries and affiliates for support. When we do this, they have to agree to our privacy principles, associated policies and practices.

We will not disclose your personal information to external organisations that are not our service providers, unless you gave us your consent, or unless we may do so by law, or if it is necessary for the conclusion or performance of our agreement with you.

Transfer across borders

Sometimes we will process your personal information in other countries, either to carry out your instructions or for ordinary business purposes. These countries may not have the same level of protection. We will only process your personal information with your consent. If necessary, we will ask the party to whom we transfer your personal information to agree to our privacy principles, associated policies and practices.

Storing personal information

We store personal information as required by law.

Our security practices

Our security systems are designed to prevent loss, unauthorised destruction, damage and/or access to your personal information from unauthorised third parties.   

Marketing by electronic means

If you give us permission, we may use your personal information to tell you about products, services and special offers from us or other companies that may interest you. We will do this through email, text message (SMS), social media platforms or notify you on your mobile applications. If you later decide that you do not want us to do this, please contact us through our customer service channels to stop this service.

You should read the security tips  and updates on our website regularly to make sure that you benefit from our security systems, and stay updated with the latest fraud scams and trends.

Access to your personal information

As a customer of the bank, you may: (a) ask us to give you a description of your personal information that we hold; and (b) ask us to correct or update your personal information through our customer service channels. 

We may, if allowed by law, charge a fee for this. 

Our use of technology to follow your use of our website

While you are using our websites or mobile applications, we automatically process certain personal information, such as visits to our website. We use this information to find out which areas of our website people visit most and to monitor the use of our websites. This helps us to add more value to our services. This information is gathered in such a way that we do not get personal information about any individual or their online behaviour on other websites.

Cookies

We use cookie technology on some of our websites. A cookie is a small text file that is saved on your Internet browser when you use our website. The cookie is sent to our computer each time you visit our websites. Cookies make it easier for us to give you a better experience online.

 
Types of cookies used on our website:


Session cookies

These cookies are temporary and only exist while you browse our website. As soon as you close your browser or move to a different website, they are removed. They allow our website to link your actions during a browser session.

Persistent cookies

These are permanent cookies that are stored on your device until they reach a set expiry date or until you delete them. They remember your preferences or actions across our site (or in some cases across different websites). We may use them for various reasons, such as remembering your preferences and choices when using our site, or to display only relevant advertising messages to you.

First-party cookies:

These cookies are owned and created by us.

Third-party cookies

These cookies are owned and created by another company that provides a service to us, such as social media sharing, website analytics or content remarketing.


How to disable cookies

You can stop your browser from accepting cookies by changing the settings on your web browser. Be aware that restricting cookies may impact the functionality of our websites. We recommend that you allow cookies. On most browsers cookies are enabled by default. Explore the settings and options on your browser to disable or enable them, or visit  https://www.aboutcookies.org  for detailed information about managing cookies on various browsers.


Links to other websites

Our website, related websites and mobile applications may have links to or from other websites. Although we try to link only to websites that also have high privacy standards, we are not responsible for their security, privacy practices or content. We recommend that you always read the privacy and security statements on these websites.

Monitoring of electronic communications  

We communicate with you through different methods and channels. If allowed by law, we may record and monitor electronic communications to make sure that they comply with our legal and regulatory responsibilities and internal policies. 

Monitoring and analysis

We will monitor and analyse your account for credit, fraud, compliance and other risk-related purposes as required by law.

Social media

We operate and communicate through our designated channels, pages and accounts on some social media sites to inform, help and engage with our customers. We monitor and record comments and posts made about us on these channels so that we can improve our services.

The general public can access and read any information posted on these sites. We are not responsible for any information posted on those sites other than the information posted by our designated officials. We do not endorse the social media sites themselves, or any information posted on them by third parties or other users.

We do not give investment, tax or other professional advice on social media sites. You should always get independent advice before making any decisions.

When you engage with us through social media your personal information may be processed by the site owner; this process is outside our control and may be in a country outside South Africa that may have different privacy principles.

Social media sites are not appropriate forums to discuss our customers' products or financial arrangements. We will not ask you to share personal, account or security information on social media sites.

We regularly update and monitor our social media accounts and welcome feedback and ideas sent to us through these channels. We try to join conversations whenever possible, but cannot guarantee that we will read or reply to all messages sent to official Standard Bank social media accounts.

Emerging themes and helpful suggestions will be given to the relevant people within the bank for consideration, but we cannot guarantee that any themes or suggestions will be acted on.

Your rights

We will take note of your rights under applicable privacy and data protection laws, especially your right to object, on reasonable grounds, to certain types of processing. 

You have the right to query a decision that we make about a product or service that you have applied for and that was made solely by automated means.

Right to change this privacy statement

We may change this privacy statement. We will publish all changes on our website. The latest version of our privacy statement will replace all earlier versions, unless it says differently.

* Subsidiaries and associate companies

Diners Club (S.A.) (Pty) Ltd, Standard Bank Financial Services Holdings (Pty) Ltd, Standard Offshore Finance Company (Pty) Ltd, Melville Douglas Investment Management (Pty) Ltd, FHPManagers (Pty) Ltd, Standard Trust Limited, Standard Insurance Limited, Stanhold Investments (Pty) Ltd, Greenfield Newgate (Pty) Ltd, The Unisec Group Limited, Standard Bank Properties (Pty) Ltd, Blue Waves Properties 78 (Pty) Ltd, SBG Securities (Pty) Ltd.

Queries and complaints

If you have any queries or complaints about privacy, please contact the Group Privacy Officer:

Jan Bezuidenhout -  Group Privacy Officer
Postal Address:

The Standard Bank of South Africa Limited
P O Box 1155
Johannesburg
2000

Physical address:
Standard Bank Centre
5 Simmonds Street
Johannesburg
2001

Telephone: +27 11 636 1781
Fax: +27 11 631 8580
Email:  info.officer@standardbank.co.za

Regulatory
Version: 2
Date published: 15 February 2016
Standard Bank Group Privacy Statement


Terms and Conditions

Terms & conditions

Terms of use: Melville Douglas Investment Management (Pty) Ltd, their subsidiaries, affiliates, principals and employees (“Melville Douglas” or “us” or “we”) do not guarantee the accuracy, validity, timeliness, completeness or suitability of any information or data made available to you through this website. The information contained on this website is compiled for the convenience of website visitors and is accepted by the website visitor on the condition that errors or omissions shall not be made the basis for any claim, demand or cause of action. The views expressed herein do not necessarily reflect the views of Melville Douglas nor do they constitute investment, tax, legal or any other advice. The views reflected herein are subject to change without notice. We will use reasonable endeavours to update the information contained on this website but we are under no obligation to update the content of this website. Information contained on this website is published in good faith, and while Melville Douglas takes reasonable steps to ensure its accuracy we disclaim all warranties, express or implied, including, but not limited to, warranties of title, non-infringement, merchantability or fitness for a particular purpose, for the information provided on this website. The use of this website is at your own risk. Melville Douglas  will not be liable for any damages or injuries arising out of your use of any such information or data, including without limitation, damages relating to any
(i) error, omission, interruption, information being out of date, delay in operation or transmission,
(ii) computer virus, worm, “trojan horse” or other malicious software
(iii) failure or defect in any communication facilities, hardware or software,
(iv) theft and destruction or unauthorised access to, alteration of, or use of information, whether resulting in whole or in part from negligence or otherwise.
Decisions based on information contained on this website are the sole responsibility of the user, and in exchange for using this website, the user agrees to hold Melville Douglas harmless against any claims for damages arising from any decisions the user makes based on such information. 
The services, investments or products referred to on this website are not available to persons resident in any jurisdiction where such availability or distribution would be contrary to local law or regulation. This website is designed for information purposes only and does not constitute a solicitation or offer by Melville Douglas to buy or sell any securities, futures, options or other financial instruments or to provide any investment advice or service. Visitors should not use this website as their sole source of information on investments.
The distribution of information contained on this website may be restricted by law in certain jurisdictions. Persons who access this website must inform themselves and comply with any such restrictions.

Any application for our products or services should be made only after consultation with your legal, tax and financial advisors and review of the applicable prospectus, Key Investor Information Document, or other offering document(s) and terms and conditions applicable to such products or services. Any information, including the prospectus, Key Investor Information Documents or other offering document(s), in respect of applications can be obtained from the local office or local representative of Melville Douglas. Please select contact us to view the relevant contact details. Past performance is no guarantee of future performance. Investors should note that the value of the securities (and any income arising therefrom) that may be mentioned on this website may fall as well as rise. Investors are not guaranteed to make a profit; losses may be suffered.

Cookies: Please click here for a detailed explanation of how we use cookies on this website.

Privacy statement: All information provided by you to Melville Douglas through this website is used solely by us and is not sold or provided to any other company. Personal financial information and information about our investors is regarded as private, and as such is not shared with anyone in any manner, regardless of the method by which we obtained such information. Nonetheless, we reserve the right to co-operate fully with any state, local, federal, and international officials in any investigation relating to any content (including personal or private electronic communication(s) transmitted via this website) or any purported unlawful activities of any user of this website.

Copyright: Except as may be expressly authorised, no information or material contained on this website may be reproduced, transmitted, displayed or commercially exploited without the written consent of Melvill Douglas.

Website operator: This website is operated and issued by Melville Douglas Investment Management (Pty) Ltd, a company registered in South Africa with company number 1987/05041/07, and a subsidiary of Standard Bank Group Limited. Melville Douglas Investment Management (Pty) Ltd is licensed as a financial services provider in terms of Section 8 of the Financial Advisory and Intermediary Services Act, 2002 (Act No. 37 of 2002). Registered Office: Standard Bank, 8th Floor, 30 Baker Street, Rosebank 2196. Enquiries: General enquiries about tis website should be sent to admin.melvilledouglas@standardbank.co.za

Regulatory notices

Melville Douglas Investment Management (Pty) Ltd is a company registered in South Africa with company number 1987/05041/07, and a subsidiary of Standard Bank Group Limited. Melville Douglas Investment Management (Pty) Ltd is licensed as a financial services provider in terms of Section 8 of the Financial Advisory and Intermediary Services Act, 2002 (Act No. 37 of 2002).

A Representative Agreement exists between Standard Bank International Investments Limited and Melville Douglas Investment Management (Pty) Ltd appointing Melville Douglas Investment Management (Pty) Ltd as the sole representative for the investment management functions performed in South Africa.

Notice to Email Recipients:

This notice is applicable to any recipient of an email from Melville Douglas.
The email you have received contains privileged and confidential information intended only for the use of the addressee named in the email.
Any review, retransmission, dissemination, copying, disclosure or other use of, or taking of any action in reliance upon, this information by person or entities other than the intended recipient is prohibited.
If you have received the email in error, please notify the sender by return email and delete the email. This email should not be copied or used for any purpose other than intended, nor should it be disclosed to any other person. Any views expressed in this email are those of the individual sender, except where the sender specifically states them to be the view of Melville Douglas.
Melville Douglas is not liable for the security of information sent by email at your request, nor for the proper and complete transmission of the information contained in the communication nor for any delay in its receipt. Please note that the recipient must scan this email and any attached files for viruses and the like. Melville Douglas accepts no liability of whatever nature for any loss, liability, damage or expense resulting directly or indirectly from the access of any files which are attached to this email.


The Promotion of Access to Information Act, 2 of 2000 (PAIA)

Published: April 2016

PAIA (Promotion of Access to Information Act)  was passed into law to give effect to the constitutional right of access to information that is held by a private or public body and that is required for the exercise or protection of any rights. Standard Bank Group Limited (Standard Bank) is a private body as defined in PAIA. Melville Douglas is a wholly owned subsidiary of Standard Bank Group Limited, a private body as defined in the Act. Melville Douglas is bound by PAIA and will process any request made in terms thereof.

Any person who wishes to be given access to information that belongs to Melville Douglas or another customer/supplier of Melville Douglas must follow the procedure set out below. 

Standard Bank customers

All Standard Bank customers are allowed to access to their own information without having to use the request procedure.

You should contact the relevant department to request access to your own information. (Please note that there may be administration costs associated with the retrieval of certain types of information.)

Other requests

Any person who wishes to be given access to information that belongs to Standard Bank or another customer/supplier of Standard Bank must follow the request for access to information procedure set out below.

Request procedure

The requester must complete the prescribed form and deposit a request fee of R50. The request will not be processed until proof of payment is received. The account details are :

Payment details of outstanding invoices 
Bank name Standard Bank of South Africa
Account Holder FSS (Financial Shared Services)
Account Type Receipt Account
Account Name FSS Debtors Receipt Account
Account number  00 973 844 4
Branch Code 000 205
Branch name Johannesburg branch
Reference PAIA Request (Initials and Surname or trading/ registered name of the requester)
Internet Banking Process 1. Go to payments
2. On beneficiary type select company
3. Put FSS DEB in as the name of the company and click search
4. Click on the receipt account that you want to make payments to RECEIPT ACC:FSS DEB
5. My refrence -  what the payment relates to
6. Beneficiary refrence - PAIA

 

  • The completed request form and proof of payment may be emailed or hand delivered to the following contact details:
Payment details of outstanding invoices 
Group Privacy Officer Standard Bank of South Africa
Telephone Telephone: +27 11 636 1781
Fax: +27 11 631 8580
E-mail info.officer@standardbank.co.za
Postal address:
The Standard Bank of South Africa Limited
P.O Box 1155
Johannesburg
2000
Physical address:
Standard Bank Centre
5 Simmonds Street
Johannesburg
2001



On receipt of the request form and proof of deposit the Group Privacy Officer will:

  • assess the request form to ensure completeness;
  • confirm payment of the request fee;
  • process the request;
  • notify a third party where applicable;
  • decide whether to grant or deny the request;
  • let the requester know of the decision;
  • notify the requester about any access fees if applicable; and
  • repay the R50 request fee to the requester if the request is refused.

The Group Privacy Officer must process a request within 30 days of receipt thereof unless there are grounds for an extension.  The Group Privacy Officer will inform the requester in writing of any extension of the period to deal with a request.

Relevant documents

Standard Bank Information Manual
Request for access to records of a private body (form)


You have reviewed the latest product information on our website (fact sheet) and know the risk and fees associated with your investment choice. You have read and understood the terms and conditions available on our website or upon request.

To invest directly, investors need to download the application form, complete and submit this form and all the associated documents to STANLIB:

E-mail: instructions@stanlib.com

Facsimile: 0867 277 501 or 011 448 6666

STANLIB Collective Investments Limited administer these funds.

You have reviewed the latest product information on our website (fact sheet) and know the risk and fees associated with your investment choice. You have read and understood the terms and conditions available on our website or upon request.

To invest directly, investors need to download the application form, complete and submit this form and all the associated documents to STANLIB:

E-mail: instructions@stanlib.com

Facsimile: 0867 277 501 or 011 448 6651

STANLIB Collective Investments Limited administer these funds.

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