Terms of Use
Vector Actuaries (Pty) Ltd
Website: www.vectoractuaries.co.za
Effective Date: 01 January 2026
These Terms of Use govern your access to and use of the Vector Actuaries (Pty) Ltd (“Vector Actuaries”, “we”, “our”, “us”) website. By using this website, you agree to be bound by these Terms. If you do not agree, you must stop using the website immediately.
1. Acceptance of Terms
By accessing or using our website, you acknowledge that you have read, understood, and agree to these Terms of Use, our Privacy Policy, and any other policies referenced herein.
2. Professional Services Disclaimer
The content on this website is for general informational purposes only.
Nothing on this website constitutes actuarial, legal, financial, or professional advice.
Use of this website does not create an actuary–client relationship with Vector Actuaries.
Professional engagements begin only once instructions are provided and accepted in writing.
3. Website Content
We make reasonable efforts to ensure content is accurate and up to date. However:
We do not warrant the accuracy, completeness, reliability, or suitability of website content.
We may update, modify, or remove content at any time without notice.
Website information is provided “as is” and “as available.”
Use of any content is at your own risk.
4. Intellectual Property
Unless otherwise stated, all content on this website—including text, images, graphics, calculations, branding, logos, documents, downloadable files, layouts, and design elements—is the intellectual property of Vector Actuaries.
You may not, without our written consent:
Copy, reproduce, distribute, republish, or display any content.
Use content for commercial purposes.
Modify or derive new works from any content.
You may view and print website pages for personal, non-commercial use.
5. Use of Online Tools and Calculators
Any calculators, templates, or modelling tools provided on our website are illustrative only.
They do not represent the actual methodologies or assumptions used in formal actuarial reports.
They do not guarantee accuracy, outcomes, or alignment with legislative or court requirements.
Use of tools does not replace professional engagement with our actuaries.
6. Prohibited Conduct
You agree not to:
Use the website for any unlawful purpose.
Attempt to interfere with website functionality or security.
Upload malicious code, viruses, or harmful material.
Copy or scrape data or tools for competitive or commercial use.
Misrepresent your identity or attempt unauthorised access to our systems.
Any breach may result in restricted access, legal action, or reporting to authorities.
7. Third-Party Links
Our website may include links to external websites. These links:
Are provided for convenience only
Do not constitute endorsement
Are accessed at your own risk
We are not responsible for the content, policies, or security of any third-party sites.
8. Limitation of Liability
To the maximum extent permitted by South African law:
Vector Actuaries, its directors, employees, and consultants shall not be liable for any loss, damage, claim, or expense arising from:
Use of (or inability to use) the website
Reliance on any website information
Errors, omissions, inaccuracies, or outdated content
Use of online tools or calculators
Unauthorised access, hacking, data breaches, or transmission errors
Third-party services linked from the website
Your use of the website is entirely at your own risk.
9. Privacy and Data Protection
Your use of this website is also governed by our Privacy Policy, which outlines how we collect, process, and protect personal information in accordance with POPIA.
By using the website, you consent to such processing.
10. Cookies
Our website may use cookies for functionality and analytics.
You may disable cookies in your browser, but some features may not operate correctly.
11. No Warranty
We make no warranty that:
The website will be available at all times
The website will be error-free, secure, or uninterrupted
The content is free from viruses or harmful components
12. Indemnity
You agree to indemnify and hold harmless Vector Actuaries from any claims, damages, losses, liabilities, or expenses arising from your use of the website or any breach of these Terms.
13. Changes to These Terms
Vector Actuaries reserves the right to amend these Terms at any time without prior notice.
The updated version will apply once posted on the website.
Continued use of the website signifies acceptance of the updated Terms.
14. Jurisdiction
These Terms are governed by the laws of the Republic of South Africa.
Any disputes arising from website use fall under the exclusive jurisdiction of the South African courts, unless otherwise mutually agreed.
15. Contact Us
For questions regarding these Terms or website use, contact:
Vector Actuaries (Pty) Ltd
Email: [email protected]
Website: www.vectoractuaries.co.za