South Africa

Conditions of access

Thank you for visiting our website. Before you go further, you must read, understand and agree to the Terms for using the website.


These Terms apply when you visit the website for the first time and are a binding agreement between us (The Standard Bank of South Africa Limited) and you. The latest version of these Terms applies each time you visit this website. Our website includes all related pages and websites.

Return to the top of the page

Online services

Before you can use our online services (including products), you must register with us, and we must accept your registration. We may accept or reject your registration at our sole discretion (in our own judgement) without giving reasons.

Separate terms and conditions of service apply to specific online services. You can read these at the section of this website where the relevant online services are provided. If there is any difference between these Terms and the specific terms and conditions of any service, those specific terms and conditions will apply.

Return to the top of the page

Types of information on our website

All information on this site is only intended to give you general information about us, our products, services and goals. You should not regard anything on our website as an offer, only as an invitation to do business with us.

For example, we may give information from time to time on:

  • estimated income, capital expenses, returns on investment, shares  or other financial items;
  • our plans, goals or estimates for our operations or services in future; or
  • our estimates of the economy’s future performance.

Because these are only estimates, actual events or results may be different.

We provide all information "as is" and you may not rely on it or treat it as professional or investment advice. You should always discuss any advice with a professional advisor before doing anything based on any information on this website.

Return to the top of the page

Your privacy and security

We take your privacy and the security of your personal information very seriously. You can find out more about this in our privacy and security statement.

Return to the top of the page

Changes to these Terms

We may change these Terms from time to time. The latest version of these Terms apply whenever you visit this website. You agree to read the latest version each time you visit the website.

A certificate (letter) signed by the administrator of this website is prima facie (initial) proof of the date and content of the latest and any previous version of these Terms.

Return to the top of the page

Live information on the website

We may use other organisations to provide information on this website. We have no control over this information and do not warrant or guarantee that it is correct or suitable for anything. Any of this information is provided "as is" and we are not directly or indirectly responsible for any loss that may follow from you relying on it.

All current news, market information or data shown on our website as live information is delayed by at least 15 minutes unless we tell you otherwise. You should always update or "refresh" the screen on any device to make sure that you are looking at the latest information.

Return to the top of the page

Links to other websites

The website may link to other websites with information or content from other parties. Although we try to only link to trustworthy parties or systems we are not responsible for any of this other information. If we provide a link to any other information, website, person or business, it does not mean that we have checked or approve of them.

We do not give any warranty about any other website, software or hardware, including their security or performance. You waive (give up) any claim you may have against us for any loss or damage you may suffer because you connect to any other website.

Return to the top of the page

Permission for linking to our website

Nobody may create any kind of link or reference to our website without first getting our written permission. We may refuse permission or grant it on certain conditions. Links that need permission include hyperlinks (automatic links in text), deep links (that bypass the website’s home page), frames, metatags or any similar reference, electronic or not.

Any request for linking to our website must be sent to [email protected]. We will try to answer as soon as possible. If we do not  respond in writing in five business days, we have not agreed to your request.

If you breach these Terms, we may take immediate legal action without telling you, and you agree to repay us our costs of this legal action on the highest scale of attorney and own client.

Return to the top of the page

Our intellectual property

We keep all copyright and other intellectual property rights in all content published on our website, including logos and other graphics and multimedia. You may view content and copy it onto a computer or other device or storage media, and you may print and make paper copies of it, but only if:

  • it is for using or deciding about the online services;
  • it is not used for any commercial purposes; and
  • any copy of the content from any part of our website must show our copyright notice.

The logos and trade marks on our website are our registered and unregistered trade marks or those of other parties. Nothing on our website is a licence (permission) to use any trade mark for any other purpose without first getting written permission from us or any other party that has rights to the intellectual property. You must send any request to use our content to [email protected]. We will try to answer as soon as possible. If we do not respond in writing in five business days, we have not agreed to your request.

Even if any content on our website is not confidential or there is no copyright in it, we own all of it and you have no rights in it.

Return to the top of the page

You must use suitable hardware and software

You must use and update hardware and software (computer equipment and programs) suitable for this website and the online services. If you do not, the website may not work properly and this could increase your security risks.

If we offer any software to you on or through our website, the licence agreement is between you and the software licensor (owner).

You indemnify us against any breach of a software licence. We do not expressly or implicitly warrant that any software is of good quality or suitable for its purpose. 

We also do not warrant that any file, download or application available on the communication system is safe to use on any computer. We cannot guarantee that it contains no software or data that can negatively affect a computer system, such as viruses, trojans and other malicious software.

Return to the top of the page

Risks of sending information over the Internet

Information sent over the Internet, including email, can be intercepted, seen or changed. We take steps to limit these risks as explained in our privacy and security statement. Because we cannot stop all illegal activities, we are not responsible for any loss or damage you may suffer as a result. To limit risks, we may check any information you send using our website or email.

Return to the top of the page

Closing, suspending or limiting the website

We may change, suspend or close the website temporarily or permanently without giving notice. We may also limit certain services, features or functions, and we may restrict access to all or parts of any service on the website.

Return to the top of the page

Disclaimer and limits of our responsibility

Your use of this website is dependent on factors beyond our control, such as the network coverage or availability of your Internet Service Provider’s availability.  We are not liable for any loss or damages you may suffer if a factor beyond our control arises, and you cannot access this website.

You use this website and the online services entirely at your own risk. You are fully responsible for any loss or damage that may result from you using or not being able to use this website or any of its content, information or any online service.

We (including our owners, agents, consultants, employees and any affiliated person) are not responsible for any loss or damages related to your use of this website. This includes, without limitation, any direct, indirect, special, incidental, consequential or punitive damages in terms of any contract, delict (breach of a duty of care) or law, and even if we were expressly told that any loss or damage was possible.

We are not responsible for any loss that results from:

  • any technical or other problem (including interruption, malfunction, downtime or other failure) that affects our website, system or any online service or any database for any reason;
  • any problem affecting any other goods or services provided by any other party, for example any telecommunication or Internet service provider, electricity supplier, or local or other authority;
  • any loss of or damage to any personal information or other data caused directly or indirectly by technical problems, power failures, unlawful acts (such as data theft), any harmful computer program or virus, or because of your own negligence ;
  • any order, investment decision or purchase or disposal of goods or services (including any financial instrument or currency) from any other party based on any information on our website; or
  • any event over which we have no direct control.

Return to the top of the page

How disputes will be resolved

Any dispute over your use of this website or these Terms will be decided by arbitration, unless either of us applies for an interdict or other urgent legal action. The terms and conditions of any other relevant service will apply if they are different to these Terms.

The arbitration will be at the offices of the Arbitration Foundation of Southern Africa (AFSA) in Sandton in South Africa under its rules and South African law. 

Either of us may have the arbitration award made an order of court. Both of us will keep the evidence and any award in the arbitration confidential. The arbitrator may give default judgement if any party fails to make submissions on the date they are due or fail to appear at the arbitration or both.

Return to the top of the page

Capacity to enter into agreements

You warrant to us that you are legally capable of agreeing to these Terms. If you are younger than 18, or if you are not sure if you can legally enter into agreements without your legal guardian such as a parent agreeing to it with you, you must find out before you use the website. Our Customer Contact Centre can help you.

Return to the top of the page

Our certificate is initial proof of our website’s contents

A letter signed by us of the operation or functionality of any part of the online services and the website contents on any date are accepted as correct until proved otherwise.

Return to the top of the page

Our address for notices and service of legal process

We choose the registered address on our website at as the address where any legal document or notice must be served on or delivered to us (our domicilium citandi et executandi).

Return to the top of the page

The law that applies to these Terms

South African law applies to these Terms, despite any other country’s law.

Return to the top of the page


The headings in these Terms are only for information. Do not consider them when you interpret the Terms.

Any favour we may allow you will not affect any of our rights against you, whether the favour is expressed (said) or implied (not said). We do not waive (give up) any of our rights.

If any clause in these Terms is invalid or illegal or cannot be enforced, the remaining clauses will continue to be valid.

Email [email protected] if you have questions or do not understand anything about these Terms and we will respond as soon as possible.

Return to the top of the page