Legal Zone

The FSCA Compliant Seal confirms that Myfin conducted consecutive compliance monitoring visits at the business premises of the Financial Services Provider (FSP). During these visits, the policies and procedures of the FSP were measured against the requirements set out in the FSCA Act (37) of 2002 (as amended) and sub-ordinate legislation as prescribed by the Financial Services Board. Where available, a sample of client files was selected and monitored to ensure that the FSP’s interaction with clients met the standards set out in the General Code of Conduct.

Myfin verifies that based on the monitoring conducted, the FSP has consistently maintained a high level of compliance with the procedures as prescribed in the FSCA Act (37) of 2002. This verification is subject to annual review and Myfin retains the right to withdraw the usage thereof at any time.

Neither Myfin nor the Compliance Officer verifies or underwrites the appropriateness, completeness or quality of the advice and/or products recommended by the FSP.




These terms and conditions govern your use of this website; by using this website, you accept these terms and conditions in full. If you disagree with these terms and conditions or any part of these terms and conditions, you must not use this website.

You must be at least 18 years of age to use this website. By using this website and by agreeing to these terms and conditions you warrant and represent that you are at least 18 years of age.

Permission to Use Website

Unless otherwise stated, My-Fin and/or its licensors own the intellectual property rights in the website and material on the website and all intellectual property rights are reserved.

Subject to the restrictions set out below and elsewhere in these terms and conditions you may view, download for caching purposes only, and print pages or other content from this website for your own personal use only.

You May Not:

  • republish material from this website (including republication on another website);
  • sell, rent or sub-license material from the website;
  • show any material from the website in public;
  • reproduce, duplicate, copy or otherwise exploit material on this website for a commercial purpose;
  • edit or otherwise modify any material on the website; or
  • redistribute material from this website (except for content specifically and expressly made available for redistribution).

Where content is specifically made available for redistribution, it may only be redistributed within your organization or for personal use as the case may be.

Acceptable Use

You may not use this website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.

You may not use this website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or any other malicious computer software.

You may not conduct any systematic or automated data collection activities, including without limitation, scraping, data mining, data extraction and data harvesting on or in relation to this website without My-Fin’s prior express written consent.

You may not use this website to transmit or send unsolicited commercial communications.

You may not use this website for any purposes related to marketing without My-Fin’s prior express written consent.

Restricted Access

Access to certain areas of this website is restricted and My-Fin reserves the right to restrict access to other areas of this website, or indeed this entire website, at its sole discretion.

In the event that My-Fin provides you with a User ID and Password to enable you to access restricted areas of this website or other content or services, you must take all reasonable measures to ensure that the User ID and Password are kept and remain confidential.

If, for any reason, you believe or suspect that your User ID and or Password is no longer secure or confidential or compromised in any way whatsoever you must notify My-Fin immediately.

My-Fin may disable your User ID and password in its sole discretion without notice or explanation.

User Content

In these terms and conditions, “your user content” means material, including without limitation text, images, audio material, video material and audio-visual material, that you submit to this website for whatever purpose.

By submitting such material to this website you grant to My-Fin a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate and distribute your user content in any existing or future media. You also grant to My-Fin the right to sub-license these rights, and the right to bring an action for infringement of these rights.

Your user content may not be illegal or unlawful, may not infringe any third party’s legal rights, and may not be capable of giving rise to legal action whether against you or My-Fin or a third party under any applicable law.

In the event that you do submit content that is illegal, unlawful or infringing on a third party’s legal rights, whether by design or by accident, My-Fin shall be indemnified by you from any action that may result from your submission of such content and you shall be solely liable for the consequences of such a submission.

You may not submit any user content to the website that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaint.

My-Fin reserves the right to edit or remove any material submitted to this website, or stored on My-Fin’s servers, or hosted or published on this website.

Notwithstanding My-Fin rights under these terms and conditions in relation to user content, My-Fin does not undertake to monitor the submission of such content to, or the publication of such content on, this website.

User Information

In the event that a service or services on this website require you to disclose or provide personal information to use such service or services it is understood and agreed that such disclosed information:

  • is warranted by you to be true and correct;
  • will be used for the purpose for which it is intended only; and
  • will be kept in strict confidence and will not be disclosed to or shared with any other entity except when required by law to do so in which event you will be notified of the fact that disclosure of such information is required by law.

No Warranties

This website is provided “as is” without any representations or warranties, express or implied. My-Fin makes no representations or warranties in relation to this website or the information, materials and services provided on this website.

Without prejudice to the generality of the foregoing paragraph, My-Fin does not warrant that:

  • this website will be constantly available, or available at all; or
  • the information on this website is complete, true, accurate or non-misleading; or
  • the services provided on this website are fit for any purpose other than what is intended by such services

Nothing on this website constitutes, or is meant to constitute, advice of any kind. If you require advice in relation to any legal, financial or estate planning matter you should consult an appropriate professional.

Limitations of Liability

My-Fin will not be liable to you whether under the law of contact, the law of delict or otherwise in relation to the services and or contents of, or use of, or otherwise in connection with, this website for any:

  • direct loss;
  • indirect, special or consequential loss; or
  • business losses including without limitation loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss of or corruption of information or data.

By using this website, you agree that the above limitations of liability are reasonable. If you do not think they are reasonable, you must not use this website.


You hereby indemnify My-Fin and undertake to keep My-Fin indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by My-Fin to a third party in settlement of a claim or dispute on the advice of My-Fin’s legal advisers) incurred or suffered by My-Fin arising out of any breach by you of any provision of these terms and conditions, or arising out of any claim that you have breached any provision of these terms and conditions.

Email Communications

When you contact us, you expressly consent and agree to receive email responses from us. Information contained in such emails is confidential and is intended solely for the addressee. The information is private in nature and is subject to legal privilege. If you are not the intended recipient, you may not peruse, use, disseminate, distribute or copy this message or any file attached thereto. Such actions are prohibited and may be unlawful. If you have received this message in error, please notify us immediately and delete it and all copies from your system. Whilst all reasonable steps are taken to ensure the accuracy and integrity of information transmitted electronically and to preserve the confidentiality thereof, MY-FIN accepts no liability or responsibility whatsoever if information or data is, for whatsoever reason, incorrect, corrupted or does not reach its intended destination. Any opinion or advice to clients contained in this e-mail is to be read subject to the terms of our engagement.

Breaches of these Terms and Conditions

In the event that you breach these terms and conditions in any way then My-Fin may, without prejudice to its other rights under these terms and conditions, take such action as it deems appropriate to deal with the breach, including, without limitation, suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.


My-Fin may revise these terms and conditions from time-to-time. Revised terms and conditions will apply to the use of this website from the date of the publication of the revised terms and conditions on this website. It remains your responsibility to check this page regularly to ensure that you comply with the current version of these terms and conditions.


My-Fin may transfer, sub-contract or otherwise deal with its rights and/or obligations under these terms and conditions without notifying you or obtaining your consent.


If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the remaining provisions will continue in effect. If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted such part will be deemed to be deleted, and the rest of the provision will continue in effect.

Entire Agreement

These terms and conditions constitute the entire agreement between you and My-Fin in relation to your use of this website, and supersede all previous agreements in respect of your use of this website.

Law and Jurisdiction

These terms and conditions will be governed by and construed in accordance with the laws of the Republic of South Africa, and any disputes relating to these terms and conditions will be subject to the jurisdiction of the courts of the Republic of South Africa.

Registrations and Authorisations

MyFin is registered with CIPRO. You can find the online version of the register at CIPRO My Fin 1237 Financial Services (Pty)Ltd registration number is 2012/205235/07.

My Fin is subject to authorisation as an FSP, which is supervised by the Financial Services Board.

The principal is registered with the FSB AND Finanacial Planning Institute (FPI). Michael Gerald Eslick’s professional title is (AFPI) and it has been granted in authority under the license of Onecard Investments (Pty)Ltd, a juristic representative, and is subject to the FAIS act which can be found at

My-Fin subscribes to the following code(s) of conduct: FAIS General and related codes of conduct (These codes/this code) can be consulted electronically at

MyFin1237 Financial Services (Pty)Ltd is registered in South Africa under registration number 2012/205235/07.

MyFin1237 Financial Services (Pty)Ltd registered address is Woodmead Office Park North, 54 Maxwell Drive Sandton.

You can contact My-Fin by email to [email protected].

My Fin (“Company” or “we”) is serious about protecting your privacy.  We appreciate your trust and will strive to do so carefully and sensibly.  This notice (this “Privacy Policy”) describes how we may collect personal information from the visitors to our site, how we may use it, with whom we may share it, what choices you have regarding it, and how we protect it.  This Privacy Policy is incorporated into and is a part of the Terms of Use of this Company Website (, this “Site”) and we encourage you to become familiar with the terms and conditions contained herein.
By accessing and using this Site, you agree that you have read and understood this Privacy Policy and that you accept and consent to the Company’s privacy practices described in this Privacy Policy.
Our Commitment To Privacy
Your privacy is important to us. To better protect your privacy we provide this notice explaining our online information practices and the choices you can make about the way your information is collected and used. To make this notice easy to find, we make it available on our homepage and at every point where personally identifiable information may be requested.
We reserve the right to change our Privacy Policy and our Terms of Use at any time.  The Company may change its privacy practices because of changes in relevant and applicable legal or regulatory requirements, the business or business practices of the Company, or in its attempts to better serve your needs.  Notice of such changes to our privacy practices will be given in the manner described in the Company’s Terms of Use for this Site and a revised Privacy Policy will be posted on this Site.
The Company may collect various types of information from or about you depending on how you use the Site and its various features.  In particular, during the Site registration process and the My Fin subscriber registration process, you supply us various types of information, including personal information that you choose to disclose, and information regarding how you use the Site, which we collect as you interact with our Site.
With respect to personal information, you may provide us with various types of information.  Such information may include you and your company’s name, address, telephone number, e-mail address, transaction information, as well as billing and payment information that you voluntarily provide to the Site.  This information is generally entered into fields in the registration and subscription forms and enables you to take full advantage of the products and services that we offer.  Should you purchase or use any Company products or services on or through the Site, the information that you supplied during the registration process may be used to track details about those purchases or use.  We may collect email addresses from customers and visitors to the Site for the purpose of communicating with customers.  If at any time you wish to be removed from the Company’s email database, you can request removal by contacting [email protected].  We reserve the right to contact you via postal mail, email or telephone strictly for the purpose of administering your account.
The Company may also retain the content of and metadata regarding any correspondence you may have with the Company or its customer service representatives, regardless of the mode of communication by which such correspondence was made.  This includes, without limitation, real-time shipping information, specific container information, and any other information contained and consented to, as described in the Terms of Use. This information helps the Company to improve the Site and the materials, products and services that we offer on the Site, and to more effectively and efficiently respond to both current and future inquiries.
As with many other Websites, the Web servers used to operate the Company Site collect certain data pertaining to you and the equipment and communication methods that you used to access the Internet and the Site.  Without combining these data with other sources of information, they do not readily identify you.  They do reveal such things as the Internet protocol (“IP”) address assigned to your computer, pages you accessed on the Site, or immediately prior to visiting the Site, and the length of time you accessed the Site.
This information is collected to, among other things, facilitate Site operation and system administration, to generate aggregate, non-identifiable statistical information, and to improve the content and content delivery with regard to the Site and the materials, products and services that the Company makes available on the Site.
Cookies and Tracking Technologies
Cookies and similar technologies on our websites and our mobile applications allow us to track your browsing behaviour, links clicked, items purchased, your device type, and to collect various data, including analytics, about how you use and interact with our Services. This allows us to provide you with more relevant product offerings, a better experience on our sites and mobile applications, and to collect, analyse and improve the performance of our Services. We may also collect your location (IP address) so that we can personalise our Services.
When you visit or interact with our sites, services, applications, tools or messaging, we or our authorised service providers may use cookies, web beacons, and other similar technologies to make your experience better, faster and safer, for advertising purposes and to allow us to continuously improve our sites, services, applications, and tools.
We hope the information below provides you with clear and comprehensive information about the technologies we use, and the purposes for which we use them, but if you have any additional questions, or require any additional information, please contact us at [email protected].
Your Consent
By continuing to use and navigate our sites, services, applications, tools or messaging, you are agreeing to our use of cookies, web beacons and similar technologies as described herein our Privacy Policy. If you do not wish to accept these technologies in connection with your visit to or use of our sites, services, applications, tools or messaging, you may visit our Privacy Settings and see additional options below available to you to manage, control and opt out of the use of these technologies.
What types of cookies, web beacons and similar technologies do we use and why
Our cookies, web beacons and similar technologies serve various purposes but are generally either necessary or essential to the functioning of our sites, services, applications, tools or messaging, help us improve the performance of or provide you with the extra functionality of the same, or help us to serve relevant and targeted advertisements.  More specifically:
Strictly Necessary or Essential: ‘Strictly necessary’ or “essential” cookies, web beacons and similar technologies let you move around the website and use essential features like secure areas and payment information. Without these technologies, services you have asked for cannot be provided. Please note that these technologies do not gather any information about you that could be used for marketing or remembering where you’ve been on the internet. Accepting these technologies is a condition of using our sites, services, applications, tools or messaging, so if you prevent these from loading we can’t guarantee your use or how the security therein will perform during your visit.
Performance: ‘Performance’ cookies, web beacons and similar technologies collect information about how you use our website e.g., which pages you visit, and if you experience any errors. These cookies do not collect any information that could identify you and is only used to help us improve how our website works, understand what interests our users and measure how effective our content is by providing anonymous statistics and data regarding how our website is used.  Accepting these technologies is a condition of using our sites, services, applications, tools or messaging, so if you prevent these from loading we can’t guarantee your use or how the security therein will perform during your visit.
Functionality: These cookies, web beacons or similar technologies are used to provide services or to remember settings to improve your visit.
Advertising: First or third-party cookies and web beacons may be placed by our sites, applications, or tools, in order to deliver content, including product-related advertisements, relevant to your specific interests on our sites or third-party sites. These technologies allow us to understand how useful our advertisements are, and improve the relevancy of the content delivered to our users.
We also utilise 3rd party service providers to assist us in delivering on the same functions, which means that our authorised service providers may also place cookies, web beacons and similar technologies on your device via our services (third-party cookies). They may also collect information that helps them identify your devices, such as IP-address, or other unique or device identifiers.
How to manage, control and delete cookies, web beacons and similar technologies
You may manage certain cookies, web beacons and similar technologies we place by either choosing the Cookie Settings option upon the first visit to our website or by visiting our Privacy Settings tab on our Setting page.
You may block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) it may limit your use of certain features or functions on our website or service. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies as soon as you visit our site. Please note, as further described in our Privacy Policy, we currently do not alter our practices when we receive a “Do Not Track” signal from a visitor’s browser.
Internet browsers allow you to change your cookie settings. These settings are usually found in the ‘options’ or ‘preferences’ menu of your internet browser. In order to understand these settings, the following links may be helpful. Otherwise, you should use the ‘Help’ option in your internet browser for more details.
If you wish to withdraw your consent at any time, you will need to delete your cookies using your internet browser settings.
More information about cookies
Useful information about cookies, including information about deleting or blocking cookies, can be found at
A guide to behavioural advertising and online privacy has been produced by the internet advertising industry which can be found at
Information on the ICC (UK) UK cookie guide can be found on the ICC website section:
Gathering Personally-Identifying Information
Once you register with My Fin and sign in to the Service, you are not anonymous to My Fin.
When registering with My Fin, you provide Personal Data, which may include company name, industry, number of employees, phone number, your title, city, state, country, zip code, a username, confirmed email address, and a password. When backing data up with the Service, you send us that data and you also are sending file system information, including names of files and directories. My Fin may also record your IP address when you submit information.
My Fin also may collect, at your option, certain preference and demographic information from you.
In addition to the uses mentioned or described above, the Company uses the information that it collects from or about you to improve the materials, products, and services that the Company makes available on the Site, to notify you of changes made to the Site or new products or services made available on or through the Site, to evaluate your needs and customise Site content delivered to you according to those needs, to facilitate the processing of any purchases or uses you make through the Site, to send you promotional material from the Company and some of our affiliates, and for other legitimate and lawful business purposes of the Company.  Other than to the extent necessary or convenient for the Company to perform the Terms of Use, the Company does not share information collected about you with third parties, except with regard to certain special programs that we offer in connection with some of our business affiliates, which may involve special promotions and/or pricing, and in which you are participating.  Should you register as a participant in one of those programs, the Company will acknowledge your registration and notify our applicable business affiliate of your registration, thereby enabling you to receive the corresponding program benefits.  At this time, which may be subject to change in our sole discretion, it is our policy not to sell lists containing personal information about Site users, registrants or subscribers.
All information collected by My Fin is used for internal purposes of providing the Service, providing support to users, and to improve services. Aggregating non-identifying information supplied by users allows My Fin to understand its user base and to improve services.
To protect your account information, please keep your password secure.
Children under 13 years old are not the target audience for the Site.  To protect their privacy, we prohibit the solicitation of personal information from these children.  If you are under the age of 13, please do not submit your email address or any other personal information to us through the Site.
My Fin does not intentionally gather Personal Data about visitors who are under the age of 13.
Anonymous Information
We may create Anonymous Information records from Personal Information by excluding information (such as your name) that make the data personally identifiable to you. We reserve the right to use and disclose Anonymous Information at our discretion.
Protection of Certain Personally-Identifying Information
My Fin discloses potentially personally-identifying and personally-identifying information only to those of its employees, contractors and affiliated organisations that need to know that information in order to process it on My Fin’s behalf or to provide services available at My Fin’s website.
Some of those employees, contractors and affiliated organisations may be located outside of your home country; by using My Fin’s service, you consent to the transfer of such information to them. My Fin will not rent or sell potentially personally-identifying and personally-identifying information to anyone. Other than to its employees, contractors and affiliated organisations, as described above, My Fin discloses potentially personally-identifying and personally-identifying information only when required to do so by law, or when My Fin believes in good faith that disclosure is reasonably necessary to protect the property or rights of My Fin, third parties or the public at large.
We reserve the right to disclose any personally identifiable information or other information we collect through the Site or otherwise if we are required to do so by law or if we reasonably believe that the disclosure is necessary in order to (a) fulfil a government request; (b) conform to the requirements of law or to comply with legal process served on us; (c) protect or defend our legal rights or property or third party licensors of any material on the Site; or (d) in an emergency to protect the health or safety of the users of the Site or the general public.
Your use of the Site, including any disputes arising from it, is subject to this Privacy Policy as well as our Terms of Use and all dispute resolution provisions therein, limitation on damages and choice of law.  We encourage you to refer to this policy on an ongoing basis so that you understand our current privacy policy.  Unless stated otherwise, our current privacy policy applies to all information that we have about you and your account.
Changes and Deletion of Your Data
You may change some but not all of Your Personal Information in Your account by editing Your profile within Your account. You may contact My Fin at any time at [email protected] if You would like My Fin to delete Your account and any associated data (other than Anonymous Information).
The Company places a high value on protecting information transmitted via this Site.  For this reason, we use state-of-the-art security solutions to process payments and to provide secure communication methods.  In addition, the Site is protected by a firewall that provides a high level of security.  The Company takes commercially reasonable measures to secure and protect customer-specific information transmitted via or stored on our Site.  However, no security system is impenetrable.  We cannot guarantee that information users supply to us will be totally secure.
Our Commitment To Data Security
To prevent unauthorised access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online. Click for more information about the security of our technology.
As the Company continues to grow and develop its business, it is possible that its corporate structure might change or that it might merge or otherwise combine with, or that substantially all of its assets might be acquired by another company.  In any such transactions, customer information generally is, will most probably be, and should be expected to be one of the transferred business assets.
For your convenience, some hyperlinks may be posted on the Site that links to other websites, not under the control of the Company.  Please note that this Privacy Policy applies only to our Site and not to other websites of other organisations to which we link.  We are not responsible for the privacy policies or practices of any other third party sites.  You should make your own inquiries regarding them.  In addition, when you initiate a transaction on a website that our Site links to, even if you reached that site through our Site, the information that you submit to complete that transaction becomes subject to the privacy practices of the owner of that linked site.  You should read their privacy policies to understand how they use and protect personal information that they collect.  The Company is not responsible for the privacy or information practices of its suppliers or any third party websites.
You may update at any time the information about you and your personal preferences stored on the Site derived from your registration on the Site.  You may also ask us at any time to remove your name from our list of Site users who wish to receive electronic communications and e-mail advertisements from the Company and our affiliates by simply sending such a request to us at the numbers or addresses given below.  Once you opt-out, we will honour your choice until you inform us otherwise.
Should you feel that your privacy or security is being compromised, or have any other questions regarding our privacy practices or this Privacy Policy, please notify us using the following email: