Terms of Use
The terms that apply when you use the Qina Advisory website, including our calculators, quote requests and general information.
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Last updated: [date]
Using this website
By using this website you agree to these terms. If you don’t agree, please don’t use the site.
Information only
Content on this website, including articles, tutorials and calculators, is general information and does not constitute financial advice. It does not take your personal circumstances into account. Speak to a Qina Advisory adviser before making any financial decision.
Calculators
Calculator results are estimates based on the assumptions you enter. Actual outcomes will differ. Past performance is not a reliable indicator of future returns, and market-linked investments can go down as well as up.
Quotes
Submitting a request through this website does not create a policy or investment. Cover only starts once a product provider has accepted your application and confirmed it in writing.
Intellectual property
All content and branding on this website belongs to Qina Advisory (Pty) Ltd or its licensors and may not be reproduced without permission.
Links to other sites
We aren’t responsible for the content or privacy practices of websites we link to.
Limitation of liability
To the extent permitted by law, we are not liable for any loss arising from your use of this website or reliance on its general information. [Legal review required.]
Governing law
These terms are governed by the laws of the Republic of South Africa.
Changes
We may update these terms from time to time. The latest version will always be available on this page.