BRWM

Terms of Service

Last Updated: January 2025

1. Acceptance of Terms

By using www.brwm.co.za ("Site"), you agree to these Terms of Service. If you disagree, please don't use our Site.

2. About Us

Bauer Reuvers & Associates (Pty) Ltd

  • Registration: 2018/260281/07
  • FSP License: 539
  • Address: 9 Colinton Road, Newlands, Cape Town, 7700
  • Contact: 011 706 0515 | luca@brwm.co.za

We're an authorized financial services provider regulated by the Financial Sector Conduct Authority (FSCA).

3. Services Description

Our Site provides:

  • • General information about wealth management services
  • • Retirement readiness calculator (educational tool)
  • • Market insights and financial education
  • • Contact forms for consultation requests

Important: Nothing on this Site constitutes personalized financial advice. The retirement calculator provides educational estimates only.

4. Regulatory Disclosure

This Site does NOT provide:

  • • Personalized investment recommendations
  • • Guarantees of investment returns
  • • Tax or legal advice
  • • Immediate financial advisory services

For personalized advice, you must engage us formally as your financial advisor.

5. Retirement Calculator Terms

By using our calculator, you understand:

  • • Results are educational estimates based on simplified assumptions
  • • Projections use 3% real returns (conservative approach)
  • • Actual results will vary based on market conditions
  • • This is not personalized financial advice
  • • You should consult a qualified advisor for decisions

Data Usage:

  • • We store your inputs to generate reports
  • • Your email is added to our newsletter (with consent)
  • • We may use aggregated data to improve our services

6. Intellectual Property

All content on this Site (logos, text, graphics, tools) is owned by BRWM or licensed to us. You may not:

  • • Copy or redistribute our content commercially
  • • Modify or create derivative works
  • • Use our trademarks without permission
  • • Scrape or data-mine our Site

You may print pages for personal, non-commercial use.

7. User Responsibilities

You agree to:

  • • Provide accurate information
  • • Use the Site lawfully and ethically
  • • Not attempt to breach security measures
  • • Not transmit malware or harmful code
  • • Not impersonate others or misrepresent affiliations

9. Disclaimers

Investment Risk Warning:

  • • All investments carry risk of loss
  • • Past performance doesn't guarantee future results
  • • Market values fluctuate
  • • You may lose some or all invested capital

No Warranties:

The Site is provided "as is" without warranties of any kind. We don't guarantee:

  • • Uninterrupted or error-free operation
  • • Accuracy of all information
  • • Suitability for your specific needs
  • • Investment outcomes or returns

10. Limitation of Liability

To the fullest extent permitted by law, BRWM shall not be liable for:

  • • Investment losses or poor returns
  • • Decisions based on calculator results
  • • Technical issues or data loss
  • • Indirect or consequential damages
  • • Third-party actions or content

Our maximum liability is limited to fees paid to us (if any).

11. Indemnification

You agree to indemnify BRWM against claims arising from:

  • • Your use of the Site
  • • Violation of these Terms
  • • Infringement of others' rights
  • • Misuse of our services

12. Privacy

Your use is subject to our Privacy Policy. By using our Site, you consent to data processing as described there.

13. Electronic Communications

By providing your email, you consent to receive electronic communications from us. These have the same legal effect as written communications.

14. Amendments

We may update these Terms anytime. Continued use after changes constitutes acceptance. Check this page regularly.

15. Termination

We may suspend or terminate your access for violations of these Terms or at our discretion, without notice.

16. Governing Law

These Terms are governed by South African law. Disputes are subject to South African courts' jurisdiction, subject to your statutory rights.

17. Severability

If any provision is invalid, the remaining Terms continue in effect.

18. Contact

Questions? Contact us at:

  • Email: luca@brwm.co.za
  • Phone: 011 706 0515