Terms of Use

These Terms of Use govern your access to and use of FinanceBlog and the information, articles, guides, tools and other content published on this website.

By accessing or using FinanceBlog, you acknowledge these Terms of Use. If you do not agree with them, you should discontinue use of the website.

1. About FinanceBlog

FinanceBlog is an independent informational website focused primarily on personal finance and related financial topics for South African readers.

Our content may cover subjects such as banking, saving, budgeting, tax, credit, debt, investing, home finance and other everyday money matters.

FinanceBlog provides educational information. We are not a bank, credit provider, financial institution, government department or regulator unless explicitly stated otherwise.

2. General Information Only

Content published on FinanceBlog is provided for general educational and informational purposes.

Nothing on this website should automatically be regarded as personalised:

• Financial advice.
• Investment advice.
• Tax advice.
• Legal advice.
• Credit advice.
• Accounting advice.
• Insurance advice.

Articles are written for a general audience and cannot take into account every reader’s income, financial position, tax circumstances, credit profile, investment objectives, risk tolerance or other personal circumstances.

Where your decision could have significant financial, tax or legal consequences, consider obtaining advice from an appropriately qualified professional.

3. Accuracy of Information

FinanceBlog aims to publish clear, useful and carefully researched information.

However, financial information can change.

Interest rates, bank fees, tax thresholds, regulations, government procedures, product terms, eligibility requirements and other information may change after an article has been published.

We therefore do not guarantee that every piece of information on FinanceBlog will remain complete, current or applicable to every situation.

Readers should verify important or time-sensitive information with the relevant official institution before relying on it.

4. South African Financial Information

FinanceBlog is primarily intended for a South African audience.

Where appropriate, our articles may refer to South African institutions, laws, regulations, financial products, tax rules and government programmes.

Information relating to a particular tax year, financial year, regulation, product or institution should not automatically be assumed to apply to another period or situation.

Where an article relates to SARS, a financial regulator, bank, government department or another institution, readers should consult that organisation’s official information when confirmation is required.

5. Examples and Calculations

FinanceBlog may provide worked examples, estimates, comparisons and calculations to help explain financial concepts.

Unless expressly stated otherwise, these examples are illustrative.

An example involving loan repayments, interest, tax, investment returns, vehicle costs, savings or another financial calculation may use assumptions that do not apply to you.

Actual outcomes can differ because of factors including fees, interest rates, taxes, product terms, individual circumstances and changes in law or regulation.

Examples should therefore not be interpreted as guarantees of a particular financial outcome.

6. No Financial Adviser-Client Relationship

Reading FinanceBlog, subscribing to the website, contacting us or using information published on the site does not by itself establish a financial adviser-client, attorney-client, accountant-client or similar professional relationship.

FinanceBlog content should not replace professional advice where professional advice is appropriate.

7. Banks, Government Services and Other Organisations

FinanceBlog may publish information about banks, financial institutions, government services, regulators and other organisations.

Unless explicitly stated otherwise, FinanceBlog is independent of those organisations.

References to an organisation do not mean that the organisation sponsors, endorses or operates FinanceBlog.

FinanceBlog should not be mistaken for an official website of SARS, SASSA, the South African Reserve Bank, National Treasury, the Financial Sector Conduct Authority, the National Credit Regulator, a bank or another government or financial institution.

For official transactions, applications, account management or sensitive personal information, readers should use the appropriate official service.

8. Sensitive Financial and Personal Information

Do not send FinanceBlog sensitive credentials or confidential financial information that is not necessary for us to respond to an ordinary enquiry.

In particular, you should not send us:

• Online banking passwords.
• Banking PINs.
• One-time passwords or OTPs.
• Full payment-card details.
• Security codes.
• Authentication credentials.
• Passwords for government services.
• Other credentials that could provide access to your financial or government accounts.

FinanceBlog will never need your banking password or OTP in order for you to read our articles.

9. External Links

FinanceBlog may link to external websites, including banks, regulators, government organisations, businesses and other information sources.

External links may be provided to support a factual statement, allow readers to verify information or direct readers to a relevant service.

FinanceBlog does not control external websites.

We cannot guarantee the availability, accuracy, security, privacy practices or content of third-party websites.

You should review the applicable terms and privacy policies when using an external website.

10. Commercial Relationships and Advertising

FinanceBlog may display advertising or participate in commercial arrangements.

Where content contains a material sponsorship, affiliate relationship or similar commercial connection that readers should reasonably know about, we aim to disclose that relationship appropriately.

The presence of advertising does not mean that every advertised product or service has been independently reviewed or endorsed by FinanceBlog.

Readers should conduct their own research before purchasing or applying for a financial product or service.

11. Intellectual Property

Unless otherwise stated, original articles, written content, branding and other original materials published on FinanceBlog are owned by FinanceBlog or used with appropriate permission.

You may link to publicly accessible FinanceBlog pages and quote limited portions of our content where permitted by applicable law and with appropriate attribution.

You may not reproduce, republish, scrape, systematically copy or redistribute substantial portions of FinanceBlog’s original content without permission where permission is legally required.

Third-party trademarks, logos and other intellectual property remain the property of their respective owners.

12. Acceptable Use

You agree not to misuse FinanceBlog.

You must not knowingly:

• Attempt to gain unauthorised access to the website or its systems.
• Interfere with the normal operation or security of the website.
• Introduce malware, malicious scripts or harmful code.
• Use automated systems in a manner that places an unreasonable burden on the website.
• Attempt to obtain information through methods not intentionally made available through the website.
• Use FinanceBlog for unlawful activity.

Reasonable use by legitimate search engines and other services may be permitted subject to applicable technical controls and law.

13. User Communications

If you contact FinanceBlog, you are responsible for ensuring that information you provide is lawful and that you have the right to provide it.

Do not submit confidential information that is unnecessary for your enquiry.

Feedback, correction requests and questions may be used to investigate and improve our published information.

Personal information submitted through the website is handled in accordance with our Privacy Policy and applicable practices.

14. Corrections and Updates

FinanceBlog may update, correct, consolidate or remove content when appropriate.

We may make changes because information has become outdated, an error has been identified, an article substantially overlaps with another resource or a page no longer meets our editorial standards.

Our Corrections Policy provides additional information about how factual corrections are handled.

We do not intentionally change publication dates simply to make older content appear newly published.

15. Availability of the Website

We aim to keep FinanceBlog accessible, but uninterrupted availability cannot be guaranteed.

The website may occasionally be unavailable because of maintenance, technical problems, security measures or circumstances outside our control.

We may change, suspend or discontinue features or sections of the website where necessary.

16. Limitation of Liability

To the extent permitted by applicable law, FinanceBlog and its operators are not responsible for losses arising solely from reliance on general informational content where readers should reasonably verify information or obtain professional advice for their individual circumstances.

Nothing in these Terms of Use is intended to exclude or limit rights or liabilities that cannot lawfully be excluded or limited under applicable South African law.

17. Privacy

Use of FinanceBlog may involve the processing of certain personal or technical information.

Please read our Privacy Policy for information about how information submitted to or processed through the website may be handled.

The Privacy Policy should be read together with these Terms of Use.

18. Changes to These Terms

FinanceBlog may update these Terms of Use when the website, its services, business practices or applicable requirements change.

When material changes are made, the page’s updated date should reflect the genuine revision.

Continued use of the website after changes have been published is subject to the version of the Terms of Use then available on the website.

19. Governing Law

These Terms of Use and your use of FinanceBlog are subject to the applicable laws of the Republic of South Africa.

Nothing in these Terms is intended to remove consumer or other statutory rights that cannot legally be waived.

20. Contact Us

If you have a question about these Terms of Use, please contact FinanceBlog through our Contact Us page.

For concerns about factual information published in an article, please refer to our Corrections Policy.

For information concerning personal information and website privacy, please refer to our Privacy Policy.

Last updated: 19 September 2026