1. Acceptance of Terms

By accessing and using the website of NobleHawk Financial Services (Pty) Ltd (“NobleHawk,” “we,” “us,” or “our”), a company with Financial Services Provider (FSP) License Number 51391, you agree to be bound by these Terms of Use (“Terms”). These Terms govern your access to and use of our website, including any content, functionality, and services offered on or through the website. If you do not agree to these Terms, you must not access or use the website.

2. Regulatory Status and Disclaimer

2.1 Financial Services Provider: NobleHawk Financial Services (Pty) Ltd is an authorised Financial Services Provider, regulated by the Financial Sector Conduct Authority (FSCA) under FSP License Number 51391.

2.2 General Information Only: The content on this website is provided for general information purposes only and does not constitute financial, investment, legal, tax, or professional advice. Nothing on this website should be construed as an offer to conclude any transaction or as a recommendation to acquire or dispose of any financial product.

2.3 No Client Relationship: Your use of this website does not create a client, advisor, or fiduciary relationship between you and NobleHawk. Any actual financial service agreement must be concluded separately, in writing, and in compliance with the Financial Advisory and Intermediary Services Act (FAIS) and other relevant South African legislation.

2.4 Investment Risk: All investments carry inherent risks. Past performance is not indicative of future results. You should obtain advice from a qualified financial advisor before making any investment decisions.

3. Website Use and Restrictions

3.1 Permitted Use: You agree to use the website only for lawful purposes and in accordance with these Terms.

3.2 Prohibited Conduct: You agree not to:

• Use the website in any manner that could disable, overburden, damage, or impair the site or interfere with any other party’s use of the website.

• Use any robot, spider, or other automated device, process, or means to access the website for any purpose without our prior written consent.

• Introduce any viruses, trojan horses, worms, logic bombs, or other material which is malicious or technologically harmful.

• Attempt to gain unauthorized access to any part of the website, the server on which the website is stored, or any server, computer, or database connected to the website.

4. Intellectual Property Rights

The website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by NobleHawk Financial Services (Pty) Ltd, its licensors, or other providers of such material and are protected by South African and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

5. Links to Third-Party Websites

NobleHawk may provide links to third-party websites for your convenience. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them. The inclusion of any link does not imply endorsement by NobleHawk of the site or any association with its operators.

6. Limitation of Liability

To the fullest extent permissible by law, NobleHawk Financial Services (Pty) Ltd, its affiliates, directors, employees, agents, or licensors shall not be liable for any direct, indirect, special, incidental, consequential, or punitive damages, including without limitation, loss of revenue, profits, data, or goodwill, arising from your access to, use of, or inability to access or use the website or any reliance placed on any content of the website. This limitation applies even if NobleHawk has been advised of the possibility of such damages.

7. Indemnification

You agree to defend, indemnify, and hold harmless NobleHawk Financial Services (Pty) Ltd, its affiliates, licensors, and service providers, and its respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms or your use of the website.

8. Governing Law and Jurisdiction

These Terms of Use and any dispute or claim arising out of, or related to them, shall be governed by and construed in accordance with the internal laws of the Republic of South Africa. Any legal suit, action, or proceeding arising out of, or related to, these Terms or the website shall be instituted exclusively in the appropriate courts of South Africa.

9. Changes to the Terms

We reserve the right to revise and update these Terms of Use from time to time in our sole discretion. All changes are effective immediately when we post them and apply to all access to and use of the website thereafter. Your continued use of the website following the posting of revised Terms means that you accept and agree to the changes.

10. Contact Information

If you have any questions about these Terms of Use, please contact NobleHawk Financial Services (Pty) Ltd at:

Company Name: NobleHawk Financial Services (Pty) Ltd

FSP License No.: 51391

Email: info@noblehawk.co.za Physical Address: Unit 10 Greenstone Hill Office Park, Emerald Boulevard

Telephone: (+27) 010 045 8905/6