Last updated: 27 November 2025
1. Agreement and acceptance
By using or accessing https://hivewealth.co.za
(the “Site”) you agree to be bound by these Terms & Conditions (the “Terms”). If you do not accept
these Terms, please do not use the Site.
2. About HiveWealth
HiveWealth (Pty) Ltd is an authorised financial services provider registered and operating in South Africa.
Nothing on the Site constitutes a binding engagement between you and HiveWealth unless agreed in writing
and in compliance with applicable law and our client onboarding processes.
3. Nature of information and financial disclaimers
3.1
The material on the Site is provided for general information and educational purposes only and does not
constitute personalised financial, tax, legal or investment advice.
3.2
No projections, performance figures or illustrative examples on the Site are guaranteed; all investment
outcomes depend on market performance, the product chosen, fees, taxes, and client inputs.
3.3
If you require personalised advice, you must engage HiveWealth (or another authorised adviser) directly
and complete the appropriate fact-finding and suitability assessment as required by the Financial Advisory
and Intermediary Services Act (FAIS). The content and disclaimers on this Site do not replace required
FAIS-compliant advice processes.
Financial Sector Conduct Authority
4. Use of the Site and eligibility
4.1
You must be at least 18 years old and able to form legally binding contracts to use the Site.
4.2
You may not use the Site for unlawful or fraudulent activity, including using the Site to launder funds or
facilitate prohibited transactions; HiveWealth is required to comply with the Financial Intelligence Centre
Act (FICA) and will report suspicious activity as required.
FIC
5. Intellectual property
All content on the Site (text, graphics, images, logos, downloadable files) is the property of HiveWealth
or its licensors and is protected by copyright and other intellectual property laws. You may view and
download content for personal, non-commercial use only and must not remove copyright notices or use
content for any other purpose without our prior written consent.
6. Membership, accounts, and passwords
Where you create an account on the Site you agree to provide accurate information, keep credentials secure
and notify HiveWealth immediately of any unauthorised use. You are responsible for all activity occurring
under your account.
7. Links to third parties and product partners
The Site may contain links to third-party websites, tools or product providers. HiveWealth does not
control, endorse, or warrant such third-party content and is not responsible for their privacy or business
practices. Use external services at your own risk.
9. Electronic communications and electronic signatures
By interacting with the Site you consent to receive electronic communications from HiveWealth. Electronic
records, notices and electronic signatures are legally valid and admissible under the Electronic
Communications and Transactions Act (ECTA) to the extent permitted by law.
signiflow.com
10. Record-keeping and compliance obligations
HiveWealth is subject to record-keeping requirements under FAIS and FICA; records of advice, transaction
histories and communications are retained for the statutory period required by law and may be produced to
regulators on request. Where HiveWealth outsources record-keeping, it remains responsible for ensuring
regulatory access to records.
Financial Sector Conduct Authority
11. Acceptable use and prohibited behaviour
You must not:
- Impersonate any person or misrepresent your identity;
- Submit fraudulent documentation or make false disclosures;
- Attempt to subvert HiveWealth’s security or interfere with other users;
- Use the Site to facilitate money laundering, terrorism financing, or other illicit acts.
Violations may be reported to regulators and law enforcement; your access may be suspended or terminated.
12. Fees, commissions and conflicts of interest
If HiveWealth provides product recommendations or intermediary services, any fees, commissions, or other
remuneration arrangements will be disclosed in accordance with FAIS and the General Code. We endeavour to
manage and disclose conflicts of interest transparently in accordance with regulatory standards.
Financial Sector Conduct Authority
13. Liability and limitation of liability
13.1
To the fullest extent permitted by law, HiveWealth, its directors, officers, employees and agents exclude
liability for any direct, indirect, incidental, consequential or punitive damages arising from use of the
Site or reliance on its content.
13.2
Nothing in these Terms excludes liability for fraud or for other liabilities that cannot lawfully be limited.
14. Indemnity
You agree to indemnify HiveWealth and hold it harmless against any loss, damage, liability or expense
(including reasonable legal fees) resulting from your breach of these Terms, misuse of the Site, or illegal
conduct.
15. Consumer rights and refunds
Where consumers have statutory rights under the Consumer Protection Act (CPA) those rights will apply
notwithstanding these Terms. Any specific fee, product or transaction cancellation or refund policy will be
set out in the relevant client agreement.
The National Consumer Commission
16. Changes to these Terms and the Site
HiveWealth may amend these Terms from time to time. The revised Terms will be posted on the Site with a
new effective date. Continued use after notice constitutes acceptance of the updated Terms.
17. Complaints and dispute resolution
If you have a complaint about our services, please use our complaints procedure (details on the Site). If
unresolved you may be entitled to refer certain disputes to statutory Ombud schemes where applicable (for
example FAIS Ombud, Long-term or Short-term Insurance Ombud, or other relevant Ombud services) in line
with the Ombud’s jurisdiction and timelines.
Financial Sector Conduct Authority
18. Governing law and jurisdiction
These Terms are governed by the laws of the Republic of South Africa. You agree that disputes which cannot
be resolved amicably will be determined by the South African courts, unless otherwise agreed in writing.
19. Contact
For questions about these Terms, to request copies of documents, or to make a complaint, contact:
HiveWealth (Pty) Ltd
Email: info@hivewealth.co.za
FSCA licence number: 52484
Registered address: Ground Floor, Block B, Oxford Gate Business Park, 54 Oxford Street,
Durbanville, 7550