FinTech Discovery Disclamer

Last Updated: December 2025

1. Introduction

This Disclaimer outlines the limits of responsibility, authority, and liability for all content published on this website, including but not limited to articles, rankings, comparisons, commentary, reports, analysis, reviews, guides, and any digital media (“Content”). By accessing or using this website, you agree to be bound by the terms of this Disclaimer.

This platform operates within South African financial industry standards and adheres to regulatory frameworks such as FICA, FAIS, and FSCA guidelines. However, we are not a Financial Services Provider (FSP) and do not offer regulated financial advice.

2. No Financial Advice (FAIS Act Compliance)

All Content published on this website is provided for informational, educational, and comparative purposes only and must not be construed as financial advice, as defined under the Financial Advisory and Intermediary Services Act (FAIS).

Specifically:

  • We do not provide advice on any financial product, investment, credit agreement, insurance product, securities instrument, or crypto asset.

  • We do not consider your personal financial circumstances, risk tolerance, investment objectives, debt profile, or credit history.

  • No Content on this website should be interpreted as a recommendation, endorsement, or instruction to purchase, sell, subscribe to, withdraw from, or switch any financial product or service.

Any decisions you make based on the information provided are made entirely at your own discretion and risk.

3. FICA Compliance and Identity

Verification Requirements

In line with the Financial Intelligence Centre Act (FICA), we emphasise that:

  • We do not onboard clients, process KYC/FICA verifications, or perform regulated financial transactions.

  • Any references to FICA compliance of third-party providers are for informational purposes only and not an endorsement.

  • Users are responsible for complying with FICA through the appropriate licensed financial institutions.

4. Regulatory Examinations (RE Exams) and Authorisation Status

Our writers, editors, researchers, and contributors may or may not possess Regulatory Examination (RE1/RE3/RE5) certifications. However:

  • possession of an RE certificate does not authorise any team member to provide regulated advice on this platform;

  • absence of an RE qualification does not imply lack of expertise in the subject matter; and

  • regardless of individual qualifications, this website does not act as an authorised FSP, nor does it operate under any FSP licence.

Any reference to legislation such as FAIS, FICA, FSCA guidelines, NCR regulations, or the Conduct of Financial Institutions Bill (COFI) is for contextual and informational purposes only.

5. No FSP Status

This platform:

  • is not authorised as a Financial Service Provider (FSP);

  • is not licensed by the Financial Sector Conduct Authority (FSCA);

  • does not offer intermediary services or financial intermediation;

  • does not execute transactions, distribute products, or provide brokerage.

We strongly advise readers to seek guidance from a licensed financial advisor or FSP before making financial decisions.

6. Top 10 Lists, Rankings & Comparisons

Any “Top 10” lists, rankings, ratings, comparisons, reviews, or evaluations published on this platform:

  • are based on independent research and publicly accessible information;

  • reflect the editorial team’s opinion at the time of writing;

  • are not influenced by financial compensation or partnerships;

  • must not be interpreted as financial advice or guarantees of performance.

These lists exist solely for comparison and informational value and may change based on market dynamics, updated data, or industry developments.

7. No Paid Endorsements or Sponsored Influence

We maintain strict editorial independence. Therefore:

  • We do not receive compensation for writing or publishing articles.

  • We do not accept payment for inclusion in “Top 10” lists or rankings.

  • Any sponsored content, if ever included, will be clearly disclosed and labelled.

  • Any affiliate relationships (if applicable in future) will be transparently declared.

Transparency is a cornerstone of our content policy.

8. Accuracy, Data Sources & Third-Party Information

While we strive to provide accurate, up-to-date content, we cannot guarantee:

  • the completeness, reliability, or accuracy of third-party information;

  • the timeliness of financial market data;

  • the correctness of statistics, funding amounts, partnerships, or regulatory updates;

  • or uninterrupted access to external links or referenced sources.

Figures such as valuations, user counts, funding rounds, and regulatory statuses may become outdated as industries evolve.

Users should verify all critical information directly with the relevant institution, regulator, or FSP.

9. Limitation of Liability

To the fullest extent permitted by South African law:

  • We shall not be liable for any financial loss, investment loss, business loss, trading loss, credit or loan implications, or damages—direct or indirect—arising from the use of any information contained on this website.

  • We make no warranties regarding performance, profitability, accuracy, or outcomes related to any financial products, fintech services, or investment activities.

  • Use of third-party services or products is at the user’s sole risk.

10. Not a Substitute for Professional Advice

All content should be supplemented by:

  • Independent research;

  • Consultation with a professional financial adviser;

  • Verification with authorised FSPs, licensed institutions, and official regulators.

11. Intellectual Property and Copyright

All content on this website—including articles, insights, data compilations, images, tables, and design—is protected under South African copyright law and may not be reproduced without written permission.

12. Contact & Regulatory Queries

For clarification of this Disclaimer or to request corrections, updates, or information, you may contact:

Email: info@fintechdiscovery.com
Website: https://fintechdiscovery.com/

For regulatory complaints or enquiries, contact:

13. Acceptance of Terms

By continuing to use this website, you acknowledge that you have read, understood, and agreed to all conditions set out in this Disclaimer.