Disclaimer

This disclaimer applies to all content, tools, and services provided on pensionfund.co.za (the “website”). By accessing or using this website, you agree to the terms set out below. If you do not agree with any part of this disclaimer, please do not use this website.

Nature of the Website

Pensionfund.co.za provides information of a general nature relating to retirement planning, the various products and services available to individuals to cater for retirement, and the different fund administrators operating in South Africa along with the funds they administer. The website is intended to help visitors understand how these products and structures generally function, not to guide any specific individual towards a specific financial outcome.

Not Financial Advice

Pensionfund.co.za is not a licensed Financial Services Provider as defined by the Financial Advisory and Intermediary Services Act 37 of 2002. Nothing on this website constitutes financial advice, a financial product recommendation, tax advice, legal advice, or an invitation, solicitation or offer to invest in any specific pension fund, retirement annuity, provident fund, or investment product.

The content on this website is general in nature and has not been tailored to your personal financial situation, needs, objectives, or risk tolerance. Pensionfund.co.za does not advocate making financial decisions based solely on the content contained on this website. Before making any decision relating to your retirement savings, you should consult a financial advisor licensed and authorised by the Financial Sector Conduct Authority, and confirm their authorisation status on the FSCA’s public register.

Content Researched and Drafted with the Assistance of Artificial Intelligence

Some of the written content on this website has been researched and drafted with the assistance of artificial intelligence tools, and reviewed by our editorial team before publication. While reasonable care is taken to check the accuracy of this content, artificial intelligence tools can produce information that is incomplete, outdated, or incorrect. You should independently verify any figures, contribution limits, tax thresholds, fund names, contact details, or regulatory requirements mentioned on this website before relying on them, particularly where legislation or fund rules may have changed since publication.

Images used on this website are of a general illustrative nature and, where indicated, have been generated using artificial intelligence tools to provide visual context. These images do not depict real people, real employees, real office premises, or real products belonging to any fund administrator, insurer, or financial institution, and should not be interpreted as an accurate representation of any actual organisation.

Accuracy and Currency of Information

Retirement fund rules, tax legislation, contribution limits, regulatory requirements, and fund administrator details change from time to time. Pensionfund.co.za makes reasonable efforts to keep information up to date but cannot guarantee that every page reflects the most recent legislative or regulatory changes at the time you read it. Where accuracy matters to a decision you are making, confirm current details directly with the relevant fund administrator, the Financial Sector Conduct Authority, the South African Revenue Service, or a licensed financial advisor.

Information About Fund Administrators and Third-Party Products

Descriptions of fund administrators, retirement funds, and related products on this website are provided for general informational and comparison purposes only. The inclusion of any fund administrator or product on this website does not constitute an endorsement, recommendation, or approval by pensionfund.co.za, and the exclusion of any administrator or product does not imply any negative assessment.

Pensionfund.co.za is not affiliated with, and does not act as an agent or representative of, any fund administrator, insurer, or financial institution referenced on this website, unless expressly stated otherwise on a specific page. Details such as fees, past performance, contact information, and product terms should always be verified directly with the relevant administrator before you rely on them, as these details fall outside our control and may change without notice to us.

Links to Other Websites

This website may contain links to third-party websites, including fund administrators, government bodies, and other information resources. These links are provided for convenience only. Pensionfund.co.za has no control over the content, accuracy, availability, or privacy practices of linked websites and accepts no responsibility for them. Visiting a linked website is done entirely at your own risk and is subject to that website’s own terms and privacy policy.

Limitation of Liability

Pensionfund.co.za shall not be responsible and disclaims all liability for any loss, liability, damage, or expense of any nature whatsoever, whether direct, indirect, incidental, or consequential, which may be suffered as a result of, or which may be attributable directly or indirectly to, your use of or reliance upon:

  • any information, opinion, or content published on this website
  • any tool, calculator, or estimate provided on this website
  • any link to a third-party website
  • any service accessed through or referred from this website
  • any comment, post, or content submitted by another user of this website
  • any interruption, delay, error, or unavailability of this website

This limitation applies to the fullest extent permitted by South African law, and includes, without limitation, loss of profit, loss of savings, loss of data, or loss arising from a financial or investment decision made in connection with content on this website.

Indemnity

By using this website, you agree to indemnify and hold pensionfund.co.za, its owners, employees, and contributors harmless against any claim, loss, or damage arising from your use of the website, your breach of this disclaimer, or your reliance on any content published on it.

User Comments and Interactive Features

Pensionfund.co.za provides a free information service to the public, including a comment system that allows visitors to interact directly with one another. Comments and other user-generated content reflect the views of the individual who posted them and do not represent the views, opinions, or endorsement of pensionfund.co.za.

We do not verify the accuracy of information shared by users in comments, and accept no liability for any loss arising from reliance on it. We reserve the right, but are not obliged, to moderate, edit, or remove any comment at our discretion, including comments that are inaccurate, abusive, unlawful, or otherwise inappropriate.

We recommend that you do not share sensitive personal information, such as your identity number, banking details, policy numbers, or full contact details, in public comments. While we respect your right to do so, any information you choose to share publicly is shared at your own risk, and pensionfund.co.za is not responsible for how that information may subsequently be used by third parties.

Privacy and Personal Information

Pensionfund.co.za processes personal information in accordance with the Protection of Personal Information Act 4 of 2013. This disclaimer does not replace our full Privacy Policy, which sets out in detail what personal information we collect, why we collect it, and your rights in relation to it.

Pensionfund.co.za does not sell the personal information you provide to any third party. We may use your contact details to send you updates relating to an enquiry you have made, or to inform you of new information published on this website. You may opt out of these communications at any time.

Referral to a Financial Advisor

Pensionfund.co.za will only pass on your contact information to a financial services provider or a certified financial planner where you have expressly requested or consented to be contacted by a financial advisor. Where we do make such a referral, we do not vet, endorse, guarantee, or take responsibility for the competence, conduct, advice, or FSCA authorisation status of any advisor you are referred to. We recommend that you independently confirm any advisor’s licence status on the FSCA’s public register before engaging their services.

Intellectual Property

Unless otherwise indicated, the text, layout, design, and original graphics on this website are the property of pensionfund.co.za and may not be reproduced, distributed, or republished without prior written permission. Trademarks, logos, and brand names belonging to fund administrators or other third parties remain the property of their respective owners and are used on this website for identification and informational purposes only.

Changes to This Disclaimer

Pensionfund.co.za may update or amend this disclaimer at any time without prior notice. The updated version will be published on this page with a revised effective date. Your continued use of this website after any changes have been published constitutes your acceptance of the revised disclaimer.

Governing Law

This disclaimer is governed by the laws of the Republic of South Africa. Any dispute arising from your use of this website shall be subject to the exclusive jurisdiction of the South African courts.

Contact Us

If you have any questions about this disclaimer, please contact us through the details provided on our Contact page.

Last updated: 7 August 2026