This Site (meaning this website and any pages hereof) is owned and operated by Stoker Risk and ICT (Proprietary) Limited, "the Company".


The information, links, features and functions contained on this Site are provided for your informational and educational convenience only. Nothing on this Site should be relied on in making any specific investment, financial planning or other decision. Users should always consider their overall personal circumstances, investment horizon and personal risk preferences and should consult their professional advisors with respect to their personal circumstances.

News items, press releases and submissions to our forums do not necessarily reflect the views of the Company its subsidiaries, divisions, affiliates or representatives.


The information contained on this Site is not for use within any country or jurisdiction or by any persons where such use would constitute a violation of law. If this applies to you, you are not authorised to access or use any of the information on this Site and are requested to leave this Site immediately. By accessing this site you do so on your own initiative and are solely responsible for compliance with the applicable local laws.

Please read these terms of use ("Terms") carefully before accessing or using this Site, as they apply to your access and/or use of this Site. By accessing or using this Site you acknowledge your acceptance of and your understanding of these Terms. If you do not accept these Terms, please do not access or use this Site.

Updates and modifications to these Terms of Use are subject to change at any time. Be sure to check these Terms of Use each time you access and/or use this Site.


The material and information in this Site are provided "as is" and without warranties of any kind, either expressed or implied. All warranties, including but not limited to, implied warranties of merchantability and fitness for a particular purpose, or jurisdiction are disclaimed. No representation or warranty is made regarding content, functionality, links, or communications, including no representation or warranty as to defects or errors or correction of the same, communication interruptions or interceptions or loss of data or the absence of damaging code. The Company, its subsidiaries, divisions, affiliates or representatives exclude any liability in respect of the aforementioned to the fullest extent permitted.

In no event shall the Company, nor any of its subsidiaries, divisions, affiliates or representatives, be liable to any party for any cost or damages, including any direct, indirect, special, incidental or consequential damages, arising out of or in connection with the access or use of or the inability to access or use this Site or any of its functions or features, including in connection with any browsing or downloading of any information, data, text, images or other material accessible through this Site or any website linked to or linking into this Site.

It is the responsibility of the user of this Site to evaluate the accuracy, completeness, reliability and usefulness of any opinions, services or other information provided by this Site or any website linked to or linking into this Site. All information provided in this Site is under the condition and understanding of it not being interpreted or relied on as legal, accounting, tax, financial, investment or other professional advice or as advice on specific facts or matters. Accordingly, all liability whatsoever is excluded for any use or misuse of such information to the fullest extent permitted. Users of this Site should consult their professional advisors with respect to their personal circumstances.


Our objective is to make the industry's resources more accessible to you. Nothing on this Site should be construed as a solicitation, offer, advice, recommendation, or any other service by the Company for you to acquire or dispose of any insurance or investment or to engage in any other insurance, investment or transaction.


Except as indicated otherwise, all information, text, graphic images, logos, features or functions and layout (including the "look and feel "), as well as any copyrights or other rights, are the exclusive property of the Company, and may not be copied, reproduced, posted, transmitted or distributed, in whole or in part, in any form (electronic or written) without first having obtained the Company's express written consent.

Nothing on this Site should be construed as granting a license or any other right to use any copyrights, trademarks or logos. Moreover, the downloading or printing of any materials on this Site will not result in the transfer, explicit or implied, of any rights. You may, however, download or print any pages from this Site for personal, non-commercial use only, provided you do not remove any copyright or other proprietary right notice.


The links from this Site to other websites are provided for your information and convenience only.

The Company and its subsidiaries, divisions, affiliates or representatives does not assume any responsibility or liability with respect to any website linked from this Site (or any website linking into this Site), including its content and operation. The Company does not review or monitor such links. Some websites may be outside your country and subject to different regulators and rules.

A link from this Site to another website (or a link from another website to this Site) does not constitute a referral, endorsement, approval, advertising, offer or solicitation with respect to such website, its contents or any products or services advertised or distributed through that website. The Company its subsidiaries, divisions, affiliates and representatives believes that the links which are provided to other publicly accessible websites, webpages, newsgroups and other sources is legally permissible and consistent with the common, customary expectations of those who make use of the Internet.

Without the written consent of the Company no person and no website may make a link to this Site, whether to its homepage or to any internal page.


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


The Company is committed to ensuring the privacy and integrity of information submitted by visitors to our website. All information of a personal nature submitted or provided by visitors will be treated confidentially and will not be disclosed to any person without express consent of the visitor concerned. However, disclosure of any information provided or submitted by a visitor may be made where such information is in the public domain or the Company is obliged in terms of any law, order of court, legal process or other lawful reason to disclose such information.

Personal information may be disclosed to the Company's employees, suppliers and marketing agents where this information is necessary for them to evaluate and enhance the product and services offered on this Site.

The Company may disclose certain personal information of visitors, such as names, physical, postal and e-mail addresses to affiliated service providers for purposes of distributing promotional materials, newsletters, surveys and questionnaires or other information or material but only if a visitor has specifically indicated its willingness to receive such materials or information.

The Company may provide third parties with general information that does not include particular personal information about visitors, such as their names and addresses, and which is intended to be used solely for compiling statistical or demographic information or otherwise abstract and non-personalised information.

The Company does not and cannot control the confidentiality, access to or dissemination of information which is retrieved through the use of "cookies" or information retrieved through the collecting and storing of IP addresses of visitors to this Site.

A "cookie" is a computer file, which is transferred automatically from our Site to a visitor's computer during an on-line session, and which enables the Company, its sponsors and advertisers to customise webpage content and to gather general information on the use and frequency of the visitor traffic.

An IP address is an address assigned to your computer or server identifying it when conducting Internet activity.


Except as provided by law and subject to our privacy and data protection policy (see section above), all submissions or transmissions made to or through this Site shall become the property of the Company. The Company reserves the right to use any material (e.g. any comment, idea, concept, technique or know-how) submitted for any purpose, including but not limited to reproduction, distribution, publication and posting.

The Company and its subsidiaries, divisions, affiliates or representatives is not obligated to monitor any submissions or transmissions to or through this Site or any website to which this Site links or that links into this Site. The Company and its subsidiaries, divisions, affiliates or representatives, however, reserves the right to monitor the same, including any chat rooms, forums or similar website features. You acknowledge that no obligation of any kind shall be attached to such information and that by submitting or transmitting such information, no confidential, contractually implied or other relationship is created between you and the Company.


When accessing or making use of any part of this Site, you may not:


Any attempt by any person to damage this site or undermine its operation may be a violation of criminal or civil laws. The Company will prosecute any such person, and reserves the right to seek damages from any such person to the full extent of the law.


The contents of any electronic communication and any attachments relating to the official business of the Company and its subsidiaries, divisions or associates are proprietary to the Company. The information is confidential, legally privileged and protected by law.

The information is intended for the use of the addressee of the mail and if you have received a message in error, please notify the sender immediately. If you are not the intended recipient of the message, you must not disseminate, copy, review, disclose, distribute, retransmit, reproduce, use or take any action in reliance on it and immediately destroy or delete such information. The views and opinions are those of the sender and do not represent the Company's views and opinions, nor constitute, any commitment by or obligation on the Company, unless expressly stated or agreed to in writing by the Company.

The Company does not accept liability or legal responsibility for the contents of the electronic communication, its non-delivery or incorrect delivery for whatever reason, its effect on electronic equipment and or infrastructure or its transmission in an unencrypted medium. All possible precautions to safeguard electronic communication as correct have been taken. However, this does not guarantee that the integrity of any communication has been maintained, nor that the communication is free of errors, viruses, interception or interference.

Although believed to be free of damaging code, accurate and complete, responsibility for any loss or cost arising from its receipt or use or its incomplete or inaccurate transmission is hereby excluded to the fullest extent possible.

In the event of the user sending or receiving communication to or from the Company, 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.


If any dispute arises in connection with this website, that dispute will be governed by and resolved in terms of the laws of the Republic of South Africa. By accessing this website you agree to submit to the jurisdiction of the Randburg Magistrates Court in the Republic of South Africa.