MF website


The information contained on this Web Site is intended to be, but is not guaranteed to be, complete, correct and up to date nor free from any error or omissions.  Mutual & Federal makes no representations on warranties, implied or otherwise, and accepts no responsibility as to the suitability or accuracy of the information or advice found on the Web Site nor that the Service will be uninterrupted or error free. All information and other content on the Web Site is subject to change without notice.

The Web Site has not been compiled or supplied to suit any particular user’s needs. The user is under an obligation prior to making use of any of the Web Sites Services and information that it satisfies and meets his or her needs and individual requests.

In the event of Insurance cover being afforded via this Web Site, such cover is subject to the terms of the conditions found in the subsequent Policy of Insurance.

Any links to other Web Sites are provided by Mutual & Federal as a service to the user. Any linked Web Sites are not under the control of Mutual & Federal. Consequently, Mutual & Federal is not responsible for the contents of such linked Web Sites. Mutual & Federal makes no representation or warranties as to the truth or accuracy of information found on such linked Web Sites nor does Mutual & Federal necessarily agree with, edit or sponsor the contents of such linked Web Sites.

Copyright in respect of all works found on the Web Site and which have been created and developed by Mutual & Federal shall vest in Mutual & Federal.

Permission to use such work is granted, provided that such use is for information, personal, and non-commercial purposes only, and items may not be copied, reproduced, posted, displayed or broadcasted on any network or any other type of media.

Any Trademarks registered with Mutual & Federal, or to any subsidiary or associated company of Mutual & Federal, belong to Mutual & Federal. Such Trademarks may not be copied, transmitted or used by any other party unless expressly permitted by Mutual & Federal. In addition any other Intellectual Property found on the Website, including but not limited to the content, data, databases, text, icons, hyperlinks, private information, designs, agreements and software, are the property of or are licensed to Mutual & Federal.

Any information found on the Web Site which is confidential or private in nature cannot be used unless express permission has been granted by Mutual & Federal. Confidential information shall include but is not limited to information which is not generally available to and known by others.

Any rights which a Third Party may have in any Patent, Copyright, Trademark or other Intellectual Property found on this Web Site belong to such Third Party.

Nothing found on this Web Site shall be construed as conferring by implication, estoppel or otherwise, any licence or right to use or exploit such Intellectual Property.

Any reference to or use of a product, service or Process of a Third Party does not imply recommendation, approval or affiliation to that product, service or process by Mutual & Federal.

In the event of any user of the Web Site providing any information, Mutual & Federal shall be entitled to reproduce, use, disclose and distribute such information. However, such right to utilise such information is only limited to situations where there is a legitimate right to disclose and receive such information. By the user providing such information the user automatically consents to such use and waives any right to privacy in respect of such information.

Mutual & Federal, its employees, agents, contractors or representatives shall not be liable for any loss or damage or liability of whatsoever nature from the use of or inability to utilise this Web Site, its services or contents provided from the Web Site or arising from any negligence, breach of contract, use of information or any other cause whatsoever.

Use of the Web Site and any actions arising therefrom shall be governed in all respects by the law of the Republic of South Africa. By using this Web Site the user consents to the jurisdiction of the Courts of South Africa in respect of all disputes.

Any monetary claims against Mutual & Federal will only be in South African rands. The Web Site shall, where applicable, not be construed as an offer to do business but merely as an invitation to do such business.

In the event of the user sending or receiving communication from Mutual & Federal, the user consents to sending or receiving the communication in electronic form, and that such electronic communication, notices, disclosures, contracts satisfies all legal requirements, including but not limited to the requirement that such communication should be in writing, and in particular such communication complies with Section 12 of the Electronic Communications and Transaction Act 25 of 2002 (“the Act”). Moreover the terms and conditions set out in this document shall, where applicable, be deemed to form part of any communication in terms of Section 11 of the Act.


No framing of this Web Site or any of its pages is permitted.

This site was designed to be viewed at 1024 X 768 pixels (screen area).

The contents of this Disclaimer may at any time be altered without notice of such change. 

REG. NO. 1970/006619/06



© Copyright 2013. All rights reserved. Terms of use Disclaimer Authorised Financial Services Provider FSP (12)