Introduction

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

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(i) error, omission, interruption, information being out of date, delay in operation or transmission,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 [email protected]

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 Jersey 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.

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 :

• 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	[email protected]
  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)