Disclaimer

1. General — for illustrative purposes only

All calculations, projections, and results produced by RandSmart are for illustrative and informational purposes only. They are based on the inputs you provide and on publicly available legislative and rate data at the time of calculation.

Results do not constitute financial advice, legal advice, tax advice, or an investment recommendation. They should not be relied upon as the sole basis for any financial decision.

2. Not a financial services provider

RandSmart is not a registered Financial Services Provider (FSP) under the Financial Advisory and Intermediary Services Act (FAIS), 2002. We do not provide personalised financial advice. For advice suited to your specific circumstances, consult a registered financial advisor or planner.

3. Tax and legal calculations

The following calculators carry an enhanced disclaimer because their outputs are particularly sensitive to individual circumstances:

• Estate Duty Calculator
• Capital Gains Tax (CGT) Tracker
• Two-Pot Retirement Calculator
• Taxable Income Estimator
• Retrenchment Package Calculator

4. Credit Health Checker

5. Rate and data accuracy

RandSmart maintains rate data from SARB, SARS, and individual financial institutions. While we update rates promptly when changes occur, we cannot guarantee that all data is current at the exact moment of your calculation. Always confirm rates and fees directly with your provider before making financial commitments.

The prime interest rate, tax brackets, and transfer duty tables are updated as soon as practicable after official announcements.

6. Partner referral disclosures

Where a partner referral widget appears on a results page, the following applies:

All partner referrals link to registered FSPs with valid FSCA licence numbers. RandSmart does not accept advertising from providers with active FSCA enforcement actions.

7. Limitation of liability

To the maximum extent permitted by South African law, RandSmart and its operators shall not be liable for any loss, damage, or expense arising from reliance on any calculation, projection, or estimate produced by this platform.

8. Regulatory resources