Terms & Conditions for the use of the Website

1. DEFINITIONS

For the purposes of these Terms & Conditions:

• “Company”, “YWO”, “we”, “our”, “us” refers to YWO (Pty) Ltd.
• “Website” refers to www.ywo-za.com and any related pages or digital services operated by YWO.
• “User”, “you”, “your” means any individual or entity accessing or using the Website.
• “Content” means all text, data, graphics, software, designs, market information, reports, and materials made available on the Website.
• “Third-Party Services” refers to external platforms, data sources, tools, or websites not owned or controlled by YWO.

2. ACCEPTANCE OF TERMS

Welcome to the official Website of YWO (Pty) Ltd, registered in the Republic of South Africa under Registration Number 2024/339763/07, with its registered office located at 29 First Avenue East, Parktown North, Johannesburg, Gauteng, 2193, South Africa. YWO is an authorised Financial Services Provider, regulated by the Financial Sector Conduct Authority (FSCA) in South Africa under FSP Number 54357. Further regulatory information is available on the FSCA’s official website.

By accessing or using this Website, you acknowledge that you have read, understood, and agreed to be bound by these Terms & Conditions of Use (“Terms”). If you do not agree with any part of these Terms, you must immediately discontinue use of the Website.

These Terms govern your use of the Website and apply to all interactions with YWO via this platform. YWO may amend these Terms at any time without prior notification. Continued use of the Website constitutes acceptance of any modifications. The Company will publish revised Terms on this Website as the sole form of notice.

3. PERMITTED USE OF THE WEBSITE

You may use the materials and information available on this website solely for personal, non-commercial purposes. All website content is legally protected, and you may not alter, reproduce, distribute, publish, or commercially exploit any part of it without YWO’s prior written consent. Any unauthorised use of this website may result in civil or criminal liability.

The content, information, and materials accessible on this website are protected under copyright, trademark, and other intellectual property laws. Any use of such materials without prior written authorisation is strictly prohibited and may constitute a legal violation. All rights not expressly conferred under these Terms remain fully reserved.

By using the Website, you confirm that you:

• are legally capable of entering into binding agreements
• will use accurate and truthful information when interacting with the Website
• will not misuse the Website for fraudulent, harmful, or unlawful purposes
• will maintain the confidentiality of any login credentials associated with YWO services

YWO may rely on any action taken through your account or browser session unless you notify us of unauthorised use.

4. INTELLECTUAL PROPERTY RIGHTS

The Company’s website is protected by applicable intellectual property laws. All intellectual property displayed on this website—including trademarks, service marks, logos, designs, text, graphics, software, and all other proprietary materials—belongs exclusively to YWO or its authorised licensors. No rights are granted to you except for the limited use permitted under these Terms.

Links to this website may not imply endorsement, sponsorship, or affiliation without YWO’s explicit written approval.

The Company retains all exclusive rights to reproduce, display, distribute, or create derivative works from the materials on this website. All names, logos, trademarks, copyrights, and other intellectual property appearing on the site are owned by the FSP or licensed to it. Any third-party materials included on the website are used with the permission of their respective owners.

5. EXTERNAL LINKS AND THIRD-PARTY WEBSITES

For user convenience, our website may contain links to external websites operated by third parties. These links do not constitute an endorsement, and YWO is not responsible for the accuracy, availability, or content of any third-party website. Your access to such websites is entirely at your own risk.

6. GEOGRAPHIC AND LEGAL RESTRICTIONS

The information on this website is not intended for distribution to, or use by, any person in any country or jurisdiction where such distribution or use would be contrary to local law or regulation. Content and services on this website may not be available in every jurisdiction. It is your responsibility to comply with any applicable local laws when accessing or using this website. Nothing on this website should be considered a solicitation or offer to provide services where such activities would be unlawful.

7. NO FINANCIAL, LEGAL, OR TAX ADVICE

Information provided on this website is for general informational purposes only and should not be treated as professional, investment, legal, or tax advice. You are solely responsible for evaluating whether any financial product or service is suitable for your individual circumstances. You may seek independent professional advice before acting on any information provided.

8. CHANGES TO CONTENT AND SERVICES

YWO reserves the right to modify, suspend, or discontinue any part of the website, including available products, services, features, or content, at any time without prior notice.

9. THIRD PARTY CONTENT AND DATA

The website may display market data, research, analysis, or commentary sourced from third-party providers. All such information is clearly identified as third-party content and is protected by applicable intellectual property laws.

YWO does not endorse, guarantee, or assume responsibility for the accuracy, reliability, or completeness of third-party information. Your use of third-party content is entirely at your own risk.

Our website may include news updates, market data, research, analytical tools, commentary and other information relating to financial markets. Some of this material is provided by independent third-party sources (“Third-Party Content”) that are not affiliated with YWO. Wherever applicable, the source of such content will be clearly identified.

Third-Party Content may appear directly on the website, be accessible through hyperlinks, or be displayed within integrated frames. All such content is protected by applicable intellectual property laws and remains the property of the respective providers or licensors.

YWO does not endorse, verify, or guarantee the accuracy, reliability, or completeness of Third-Party Content, and such content should not be interpreted as financial, legal, tax, or investment advice.

Although YWO endeavours to provide current and reliable information, neither YWO nor any Third-Party Content provider accepts responsibility for errors, omissions, delays, or any losses that may result from the use of such content. Third-Party Content is supplied strictly for informational purposes and is made available on an “as is” basis.

To the fullest extent permitted by law, Third-Party Content providers—and their affiliates, officers, directors, employees, licensors, and service providers—shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of, or inability to use, any Third-Party Content, including but not limited to loss of profits, loss of data, or business interruption. You access and use Third-Party Content entirely at your own risk.

10. ACCURACY OF INFORMATION

While YWO strives to maintain accurate and up-to-date information on its website, we make no warranties regarding the accuracy, completeness, or reliability of any content. All information is subject to change without notice. YWO is not liable for any loss or inconvenience resulting from website errors, delays, or technical issues.

All information available on the Company’s website is provided as of the date on which it is published or stated. Such content may become outdated due to market developments or other factors. It is your responsibility to ensure that your browser settings allow you to view the most up-to-date version of the website.

11. PROHIBITED ACTIVITIES

You agree not to:

• Use the website in a way that disrupts its functionality or burdens YWO’s systems
• Attempt unauthorised access to YWO servers or networks
• Use the website for any illegal, abusive, or fraudulent purpose
• Interfere with other users’ access to the website

12. DISCLAIMER OF WARRANTIES

This website is provided on an “as is” and “as available” basis. YWO makes no representations or warranties of any kind, whether express or implied, including without limitation any warranties of merchantability, fitness for a particular purpose, accuracy, reliability, availability, or non-infringement.

YWO does not guarantee that the website will meet your requirements or operate without interruption, delays, errors, or security issues. Nor does YWO warrant that any results obtained from the use of the website will be accurate or reliable, or that any products, services, information, or materials accessed through the site will meet your expectations.

13. LIMITATION OF LIABILITY

To the fullest extent permitted by law, YWO shall not be liable for any direct, indirect, incidental, special, punitive, or consequential damages, including without limitation trading losses, financial losses, lost profits, loss of data, business interruption, or any damages arising from your use of—or inability to use—this website.

YWO is not responsible for any failure, delay, or disruption caused by circumstances beyond its reasonable control. Such circumstances may include, but are not limited to, communication or system failures, unauthorised access, viruses, natural events, technical malfunctions, government actions, network outages, or other operational interruptions.

Except where required by applicable law, YWO shall not be liable for any loss or damage arising from events outside its direct control, including failures of electronic or mechanical equipment, telecommunications or internet services, operator errors, severe weather or natural disasters, fire, war, civil unrest, terrorism, labour disputes, or other emergencies.

Certain jurisdictions may not allow the exclusion or limitation of certain types of liability. In such cases, the above limitations may apply only to the extent permitted under local law.

14. INDEMNITY

By using this website, you agree to indemnify and hold harmless YWO, its directors, employees, affiliates, and content providers from any claims, damages, losses, liabilities, or expenses arising from your violation of these Terms or misuse of the website or any content.

15. ACCOUNT SECURITY AND CONFIDENTIALITY

You are responsible for safeguarding any login credentials, account numbers, or passwords associated with your use of YWO services. YWO may rely on any instruction received through the website that appears to be submitted by you or an authorised representative.

16. TERMINATION OF ACCESS

YWO reserves the right to suspend or terminate your access to the website at any time, with or without cause, and without prior notice.

17. SEVERABILITY

If any provision of these Terms is deemed invalid or unenforceable, the remaining provisions will remain fully effective and enforceable.

18. GOVERNING LAW AND JURISDICTION

These Terms are governed by the laws of the Republic of South Africa. Any disputes arising from your use of the website shall fall under the exclusive jurisdiction of the High Court of South Africa, Gauteng Local Division, Johannesburg.