1. Ownership & Copyright

Copyright in all website content ("content") made available through this website is protected by intellectual property law. Unauthorised copying, reproduction, retransmission, distribution, dissemination, sale, publication, broadcast or other use, or exploitation of this material will constitute an infringement of such protection.

The copyright in all material of Element Investment Managers (Pty) Ltd published on this website shall continue to vest in Element Investment Managers. Your access to this website, and the information contained on it, does not in any way convey or transfer any right in or to the intellectual property rights of Element Investment Managers. If you so wish, Element Investment Managers hereby authorises you to view, copy, download to a local drive, print and distribute the content of this website, or any part thereof, if:

• The content is used for personal information purposes only;
• The content is used for non-commercial purposes. You are expressly prohibited from incorporating any material of Element Investment Managers' proprietary material from this website in any other work, publication or website;
• Any reproduction of Element Investment Managers' content from this website or portion thereof must include this notice in its entirety; and
• The trademarks, logos and service marks may not be used without the written permission of the owner thereof.

2. Content

This website is only intended to provide general information regarding Element Investment Managers and its products and services and it is not intended to provide exhaustive information of any subject dealt with.

The information in this website including, without limitation, all research, opinions or other content is therefore not intended nor does it constitute financial, accounting, tax, legal, investment, consulting or other professional advice or services. Before making any decision or taking any action, which might affect your personal finances or business, you should consult your own professional advisors.

This website could include technical, typographical or other inaccuracies and you are urged to contact Element Investment Managers to confirm all information contained on these pages prior to placing reliance thereon. Element Investment Managers expressly reserves the right, in its sole and absolute discretion, to alter or amend any criteria or information set out in this website without notice.

3. No Offer

No information or content contained on these pages should be construed as an offer by Element Investment Managers. All services offered by Element Investment Managers are subject to signature of the appropriate application forms and other documentation relating thereto and are governed by the standard terms and conditions of Element Investment Managers in respect thereof and Element Investment Managers shall not be bound in any manner until a formal written agreement has been entered into. Element Investment Managers reserves the right to reject at its discretion any application submitted for services contained on this website.

4. Transmission of Information

Information transmitted via the Internet, including e-mail, is susceptible to monitoring and interception. You are discouraged from transmitting to Element Investment Managers any information, which may be confidential, proprietary or sensitive. You shall bear all risk of transmitting such information in this manner and under no circumstances will Element Investment Managers be liable for any loss, harm or damage suffered by you as a result thereof. Element Investment Managers reserves the right to request independent verification of any information transmitted via e-mail.

5. Links to Third Party Sites

Element Investment Managers may provide hypertext links to websites on the Internet which are operated by third parties. Visitors are advised to use caution and discretion when searching or accessing such links. Under no circumstances does Element Investment Managers take responsibility for the content and/or services or products offered on third party websites that may be linked to this website and Element Investment Managers gives no warranty, guarantee and makes no representation in respect of such linked websites.

6. Disclaimer

Element Investment Managers strives to ensure that the content on this website is up to date and accurate. Whilst all care is taken by Element Investment Managers in the preparation of the content of this website, the content is provided "as is" and no warranty, express or implied, is given or made by Element Investment Managers. If Element Investment Managers becomes aware that the information on the website is inaccurate or out of date it will use its reasonable endeavours to remove it or take other appropriate action. Element Investment Managers reserves the right to alter or amend any information on this website without notice.

The information, research, opinions and recommendations contained in this website are for general information purposes only, and must be interpreted solely as statements of opinion and not statements of fact. The information on this site is not intended to and does not constitute solicitation, recommendation or advice, and Element Investment Managers does not purport to act in any way as a financial advisor. Element Investment Managers accepts no liability for or in any respect of any direct, indirect or consequential liability, loss or damage of any kind or nature, howsoever arising, from the reliance on, or use of, information provided on this website.

The website may contain links to other websites, for information purposes, which are not under the control of and are not maintained by Element Investment Managers. Element Investment Managers shall not be responsible for any loss or damage suffered by you as a result of using the links provided on the website.

The copyright and all other rights in the information on this website is owned by or licensed to Element Investment Managers. Access to and use of the website is subject to these terms and all applicable laws. You are invited to browse the website for your personal information, education and communication about Element Investment Managers. You are prohibited from copying, reproducing, modifying, distributing, republishing, displaying, posting or transmitting any part of the website without the permission of Element Investment Managers. You may view or print individual pages only for your own personal, non-commercial use provided you keep intact all copyright and other proprietary notices.

7. Risk & No Liability

Your use of this website and the information contained therein is entirely at your own risk and you assume full responsibility in respect of any loss or damage resulting from the use thereof. Neither Element Investment Managers, its affiliated companies, holding company, subsidiaries or subsidiaries of its holding company, or their officers, agents, consultants or employees shall be liable for any direct, consequential or indirect loss or damages suffered by a visitor or any other person relating to the use of this website or the information contained therein.

The visitor hereby indemnifies Element Investment Managers and its suppliers from and against any and all losses, liability, cost or damages suffered or incurred by a visitor or any other person arising out of or in connection with the use of the website or any other website which can be accessed from this website, however such loss or liability may occur, and whether such loss or liability is foreseeable, financial, personal, consequential, incidental or otherwise.

8. Jurisdiction

These terms and conditions shall be governed by and construed in accordance with the laws of the Republic of South Africa.

9. Unit Trust Disclaimer

Collective Investment Schemes in Securities (Unit Trusts) are generally medium to long term investments. The value of participatory interests (units) may go down as well as up and past performance is not a guide to future performance. Collective Investment Schemes are traded at ruling prices and can engage in borrowing and scrip lending, except for the Element Islamic Equity Fund. The price of participatory interests (units) and the amount of income distributed or accumulated may go down as well as up. Commission and incentives may be paid and if so, are included in the overall costs. Fluctuations or movements in exchange rates may cause the value of underlying international investments to go up or down. The funds may be closed at any time in order for them to be managed in accordance with their mandate. Different classes of participatory interests apply to these funds and are subject to different fees and charges. Forward pricing is used. The funds are valued daily at 15h00. Element Unit Trusts Limited is a full member of the Association for Savings and Investment South Africa (ASISA).