The information and opinions contained on this website are recorded and expressed in good faith and in reliance on sources believed to be reliable. However, no representation, warranty, undertaking or guarantee of whatever nature is made or given concerning the accuracy and/or completeness of such information and/or the correctness of such opinions. Any investment is speculative and involves significant risks and in making any investment decision, you will rely solely on your own review and examination of the facts and the records relating to such investment. Past performance of the investment is not an indication of the future performance. Independent Wealth Managers (PTY) Ltd shall have no liability of whatever nature in respect of any claim, damages, loss or expense arising out of or in connection with the reliance by you, on the contents of this website.