Disclaimer
This website is owned and operated by Rands and Sense (Pty) Ltd (“Rands & Sense”, “we”, “our”, or “us”).
The information provided on this website, as well as through workshops, talks, presentations, written materials, social media content, and other related platforms (collectively referred to as the “Content”), is intended solely for general educational and informational purposes.
By accessing this website or engaging with any Rands & Sense Content, you acknowledge that you have read, understood, and agree to be bound by the terms set out in this disclaimer.
Educational Purpose Only
Rands & Sense provides educational content relating to financial literacy, graduate readiness, personal finance concepts, and general financial education.
All information shared is intended to explain financial concepts, economic principles, and widely discussed market ideas in an educational and informational context.
The Content is designed to improve financial understanding and awareness and is not intended to provide personalised financial guidance or to replace professional advice from appropriately qualified professionals.
Any examples, illustrations, case studies, or scenarios used in Rands & Sense materials are provided solely for educational purposes and should not be interpreted as guidance for specific financial decisions.
No Financial Advice
The information provided on this website and through Rands & Sense materials does not constitute financial, investment, tax, accounting, legal, or other professional advice.
Nothing contained on this website or in any Rands & Sense Content should be interpreted as:
• financial advice
• an investment recommendation
• a solicitation or offer to buy or sell any financial instrument
• a recommendation of any investment strategy, financial product, financial service provider, or platform
• personalised financial guidance or portfolio advice
Rands & Sense does not provide financial advisory or intermediary services as defined under the Financial Advisory and Intermediary Services Act, 2002 (FAIS).
Users of this website and participants in Rands & Sense educational activities should seek advice from a licensed financial advisor or other appropriately qualified professional before making financial, investment, tax, or legal decisions.
Independence from Employment and Financial Institutions
Rands & Sense (Pty) Ltd is an independent financial literacy and education initiative.
Aliyah Bulbulia, the founder of Rands & Sense, is employed by Standard Bank in a separate professional capacity. However, Rands & Sense operates entirely independently of Standard Bank and is not affiliated with, sponsored by, endorsed by, or associated with Standard Bank or any of its subsidiaries, divisions, or affiliates.
All views, opinions, commentary, and educational content presented through this website, workshops, talks, written materials, and related platforms:
• are personal and educational in nature
• are produced independently through Rands and Sense (Pty) Ltd
• do not represent the views, advice, recommendations, policies, or positions of Standard Bank or any financial institution
• are not reviewed, approved, authorised, or endorsed by Standard Bank
No content on this website should be interpreted as being provided on behalf of Standard Bank, nor should any content be understood as financial advice connected to Aliyah Bulbulia’s employment with Standard Bank.
Rands & Sense does not provide services to Standard Bank, and no services provided through Rands & Sense are performed in Aliyah Bulbulia’s capacity as an employee of Standard Bank.
Use of Publicly Available Information
The information presented by Rands & Sense is based on publicly available information, widely accessible financial education resources, academic research, and market data.
Where relevant, sources may include publicly available reports, educational publications, financial research institutions, academic literature, and widely referenced financial education materials.
While reasonable care is taken to ensure information is accurate at the time of publication, Rands & Sense makes no representation, warranty, or guarantee regarding the completeness, reliability, accuracy, or timeliness of any information provided.
Financial markets, economic conditions, regulatory frameworks, and financial products may change over time, and information presented may become outdated.
No Endorsement of Financial Products or Providers
Any references to financial institutions, platforms, indices, companies, investment products, or financial tools are provided solely for illustrative, explanatory, or educational purposes.
Such references do not constitute endorsements, recommendations, sponsorships, partnerships, or promotions by Rands & Sense.
Users should conduct their own research and seek professional advice before engaging with any financial product, investment platform, financial service provider, or investment strategy.
No Client Relationship
Accessing this website, attending a workshop, reading materials, or engaging with Rands & Sense Content does not create any advisory, fiduciary, professional, or client relationship between the user and Rands & Sense (Pty) Ltd.
Rands & Sense does not provide individual financial consultations or personalised financial advice through this website or its educational materials.
Risk Disclosure
All financial decisions involve risk.
Investment markets are inherently uncertain and may fluctuate significantly over time. Past performance of financial markets, indices, companies, or investment strategies does not guarantee future results.
Users remain solely responsible for evaluating their own financial circumstances and for making any financial decisions based on their own independent judgment.
Limitation of Liability
To the fullest extent permitted by applicable law, Rands and Sense (Pty) Ltd, its directors, employees, affiliates, contractors, and representatives shall not be liable for any loss, damage, cost, or liability arising directly or indirectly from:
• reliance on information contained on this website
• financial decisions made based on educational content provided
• inaccuracies, omissions, or errors in information presented
• access to or use of the website or related materials
• reliance on any third-party content or external resources
Users access and use the information on this website entirely at their own risk.
External Links
This website may contain links to third-party websites or external resources for informational or educational purposes.
Rands & Sense does not control, monitor, or endorse the content of such external websites and accepts no responsibility for their content, policies, security, or practices.
Changes to this Disclaimer
Rands & Sense (Pty) Ltd reserves the right to modify, amend, or update this disclaimer at any time without prior notice.
Continued use of this website following any such changes constitutes acceptance of the updated disclaimer.
Contact
If you have any questions regarding this disclaimer, please contact:
Rands and Sense (Pty) Ltd
Email: aliyah@randsandsense.com
Website: www.randsandsense.com