Terms & Conditions

1. About this website

RandRate operates a comparison service that helps South African users explore fixed-rate investment options. By using this website you agree to these terms.

Full registered entity details for the operator will be published on this page once finalised.

2. Information only — not advice

All content on this website is general in nature and is provided for information purposes only. It does not take your personal circumstances, financial situation, objectives or needs into account, and it must not be treated as personalised financial advice or as a recommendation to acquire, hold or dispose of any product.

Before making any investment decision you should read the relevant product documentation and, if you are unsure, obtain advice from an appropriately licensed financial adviser.

3. No offer and no guarantee

Nothing on this website is an offer to sell, or a solicitation to acquire, any financial product. We do not promise or guarantee any rate, return or outcome, and we do not warrant that any particular product, term or amount will be available to you.

Rates, terms, conditions, minimum amounts, eligibility and availability are determined by the relevant provider and can change.

4. Using the comparison service

You may use the comparison service only for your own genuine enquiries, and you must provide information that is accurate and your own. You must be at least 18 years old and legally able to enter into agreements.

Submitting a comparison request is not an application and creates no obligation on you to proceed, and no obligation on us or any provider to make any product available to you.

5. Contact following your request

Where you consent, your details and stated preferences may be used to contact you, and may be shared with relevant partners, providers or specialists so that fixed-rate options can be discussed with you. You may withdraw that consent at any time as described in our Privacy Policy.

6. Third parties and external links

We are not responsible for the products, services, content, conduct or terms of any third party, including any provider or partner you may deal with. Any agreement you enter into with a third party is between you and that party.

7. Accuracy and availability

We take reasonable care with the content we publish, but we do not warrant that it is complete, current or error-free. We may change, suspend or discontinue any part of the website or service at any time, and we do not warrant uninterrupted availability.

8. Limitation of liability

To the maximum extent permitted by law, we are not liable for any loss or damage arising from your use of, or reliance on, this website or its content, including any investment decision you make. Nothing in these terms excludes or limits any liability that cannot lawfully be excluded or limited, including rights you may have under the Consumer Protection Act, 2008.

9. Intellectual property

The RandRate name, branding and website content belong to us or our licensors. You may not copy, reproduce or use them commercially without our permission.

10. Changes to these terms

We may update these terms from time to time. The version published on this page is the one that applies to your use of the website.

11. Governing law

These terms are governed by the laws of the Republic of South Africa, and the South African courts have jurisdiction over any dispute arising from them.