Terms of Service
Last updated: [Date]
Welcome to our website. These Terms of Service (“Terms”) govern your access to and use of the websites, content, tools, services and resources provided by Albert Schuurman / AS Brokers (“we”, “us”, “our”).
By using our website or services, you agree to these Terms. If you do not agree, please do not use this website.
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1. Who We Are
Albert Schuurman / AS Brokers
Authorised Financial Services Provider (FSP 17273)
Based in Krugersdorp, Gauteng, South Africa
Contact details:
Email: [your email]
Phone: [your phone number]
Address: [your physical or postal address]
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2. Purpose of This Website
This website is intended to provide:
• Educational content about retirement planning, trusts, estate planning, financial structures and income strategies
• Tools, calculators, resources, prompts and guides
• Access to downloads and lead magnets
• Information about services we offer as a licensed financial advisor
• A way for users to contact us or request help
This website is NOT a replacement for personalised financial advice.
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3. Financial Advice Disclaimer
While we are a licensed Financial Services Provider:
• Information on this website is general in nature
• Nothing on this site constitutes personalised financial, investment, tax or legal advice
• Any action you take based on website content is at your own discretion
• Personalised advice will only be provided once you have entered into a formal client relationship with us under FAIS requirements
We strongly recommend obtaining proper financial advice before making decisions based on the content provided.
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4. Eligibility and Use
By using this website, you confirm that you:
• Are at least 18 years old
• Will use the website for lawful purposes
• Will not misuse any content, tools or forms
We reserve the right to restrict access to anyone who violates these Terms.
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5. Information Accuracy
We make every reasonable effort to ensure the accuracy of the information on this website. However:
• Content may occasionally be incomplete, out of date, or contain errors
• Financial regulations and tax laws change regularly
• Calculators, prompts and tools provide estimates only
We do not accept liability for loss arising from reliance on website information.
If you find incorrect or unclear information, please contact us so we can correct it.
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6. Use of Our Tools and Downloads
We provide prompts, calculators, guides, and free downloads to help you better understand your retirement planning needs.
By using these tools:
• You acknowledge that results are estimates
• You accept that you are responsible for verifying the information
• You agree that these tools do not constitute financial planning advice
• You may not copy, resell, or distribute our tools without permission
The purpose of these tools is educational and exploratory only.
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7. Forms and Contact Submissions
When you submit information via any form (“Get the Prompt”, “Download the 80+ Benefits”, “Contact Form”, etc.):
• You agree to provide accurate and truthful information
• You consent to being contacted regarding your enquiry
• Submission does not create a client–advisor relationship
• We reserve the right to decline providing personalised advice
All personal information is handled according to our Privacy Policy.
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8. Intellectual Property
Unless stated otherwise, all content on this website is our intellectual property, including:
• Text and articles
• Videos and scripts
• Tools and calculators
• Designs, graphics, logos and images
• Prompts, templates and downloadable resources
• Branding and marketing assets
You may not reproduce, distribute, modify, copy, or use our content for commercial purposes without written permission.
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9. Third-Party Links
Our website may contain links to third-party websites or services, including:
• Investment platforms
• Product providers
• Social media content
• Partner systems (e.g., BRMS)
We are not responsible for:
• The content
• Security
• Privacy policies
• Accuracy
• Practices
…of any third-party sites.
You access them at your own risk.
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10. No Guarantee of Outcomes
Any case studies, examples, calculators, projections or results shown on this website:
• Are for educational purposes
• Do not guarantee future performance
• Do not represent actual client results
• Depend on individual circumstances, laws, markets and product performance
Your personal financial outcomes may differ significantly.
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11. Limitation of Liability
To the maximum extent permitted by South African law:
• We are not liable for any direct, indirect, incidental, consequential, or financial loss resulting from your use of this website
• This includes reliance on website calculators, prompts, general information or downloads
• We do not guarantee uninterrupted or error-free website operation
If you require personalised guidance, please contact us to become a client.
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12. Indemnification
You agree to indemnify and hold harmless Albert Schuurman / AS Brokers from any claims, damages or liability arising from:
• Your use of the website
• Your use or misuse of our tools or content
• Your failure to verify financial decisions
• Any breach of these Terms
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13. Changes to These Terms
We may update these Terms from time to time.
The “Last Updated” date at the top will reflect when changes were made.
We encourage you to review these Terms regularly.
Continued use of the website after changes indicates your acceptance of the updated Terms.
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14. Governing Law
These Terms are governed by the laws of the Republic of South Africa.
Any disputes will be subject to South African jurisdiction.
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15. Contact Us
If you have questions about these Terms, please contact:
Albert Schuurman / AS Brokers
Email: [your email]
Phone: [your phone number]
Address: [your address]