Financial Disclaimer

1. Not a Financial Services Provider

Gralven (Pty) Ltd is an independent financial product comparison website. We are not registered with the Financial Sector Conduct Authority (FSCA) as a Financial Services Provider (FSP) under the Financial Advisory and Intermediary Services (FAIS) Act, 37 of 2002. We do not provide personalised financial advice.

2. Investment Returns — No Guarantee

Any investment return figures displayed on Gralven (whether historical data, projections, or provider-stated expected returns) are for general informational purposes only. Past performance is not a guarantee of future results. Investments carry risk, including the possible loss of capital. The value of investments can go down as well as up.

Before making any investment decision, you should consult a qualified, FSCA-accredited financial advisor who can assess your personal circumstances, risk appetite, tax position, and investment goals.

3. Savings and Interest Rates

Interest rates shown on Gralven are indicative rates sourced from publicly available provider information. They are subject to change at any time without notice. The Effective Annual Rate (EAR) may differ from the nominal rate shown. Always verify the current rate directly with the financial institution before opening any account.

4. Credit and Loan Products

All credit providers listed on Gralven are registered under the National Credit Act (NCA) No. 34 of 2005. Loan interest rates shown are indicative minimum rates. Your actual interest rate will depend on your credit profile, income, affordability assessment, and other factors determined by the lender.

Borrowing carries risk. Ensure you can comfortably afford repayments before taking any credit product. Failure to repay a loan can negatively affect your credit record under the NCA.

5. Results May Vary

Any testimonials, user experiences, or examples shown on Gralven represent individual outcomes and are not typical. Individual results will vary depending on personal circumstances, financial products chosen, market conditions, and other factors. No specific financial outcome is promised or implied.

6. Regulatory Compliance

Gralven operates in compliance with South African advertising standards as set by the Advertising Standards Authority of South Africa (ASA) and general consumer protection requirements. We do not make misleading claims about financial outcomes.

7. Seek Professional Advice

Before making any financial decision — whether savings, borrowing, or investing — we strongly encourage you to seek independent advice from a qualified financial professional registered with the FSCA. You can verify FSP registration at www.fsca.co.za.