Effective Date: August 13, 2025
1. Acceptance of Terms Welcome to Caribou Select. These Terms of Use (“Terms”) govern your access to and use of the website and services (the “Service”) provided by Caribou Capital (Pty) Ltd (“we,” “us,” “our”).
By accessing or using our Service, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use our Service. You further warrant that you are at least 18 years of age and have the legal capacity to enter into this agreement.
2. Description of Our Service Caribou Select provides an online platform that facilitates an introduction between users seeking financial guidance and independent, third-party financial advisors who are licensed by the Financial Sector Conduct Authority (FSCA).
Important Disclaimer: Caribou Select is not a registered Financial Services Provider (FSP) and does not provide financial advice, recommendations, or intermediary services as defined in the Financial Advisory and Intermediary Services Act (FAIS Act). Our role is strictly limited to marketing and making an introduction.
3. No Advisor-Client Relationship with Us Any engagement, communication, or agreement you enter into with a financial advisor introduced through our Service is strictly between you and that advisor. Caribou Select is not a party to your relationship with the advisor. We are not responsible or liable for any advice, service, or outcome resulting from your engagement with the advisor. It is your responsibility to vet the advisor and the terms of your agreement with them.
4. User Obligations By using our Service, you agree to:
Use the website only for lawful purposes and in accordance with these Terms.
Provide information that is accurate, current, and complete.
Refrain from any activity that could damage, disable, overburden, or impair the functionality of our website or interfere with any other party’s use of the Service.
5. Intellectual Property All content, trademarks, logos, and service marks displayed on this website are the property of Caribou Capital (Pty) Ltd or its licensors. You are not permitted to use, reproduce, distribute, or create derivative works from this content without our express prior written permission.
6. Third-Party Links Our Service may contain links to third-party websites or services that are not owned or controlled by us. We do not endorse or assume any responsibility for the content, privacy policies, or practices of any third-party sites. You access such sites at your own risk.
7. Disclaimers of Warranties The Service is provided on an “as is” and “as available” basis. To the fullest extent permissible by law, we disclaim all warranties, express or implied, in connection with the Service and your use thereof. We make no warranties or representations about the accuracy or completeness of the website’s content.
Furthermore, we expressly disclaim any and all liability for the quality, suitability, or performance of any financial advisor or the advice they provide.
8. Limitation of Liability To the fullest extent permitted by South African law, in no event shall Caribou Capital (Pty) Ltd, its directors, employees, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages arising from or in connection with your access to or use of the Service, or your engagement with any financial advisor introduced through the Service. This limitation of liability shall not apply to any damages arising from our gross negligence or wilful misconduct.
9. Indemnification You agree to defend, indemnify, and hold harmless Caribou Capital (Pty) Ltd and its officers, directors, employees, and agents from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney’s fees) arising from: (i) your use of and access to the Service; (ii) your violation of any term of these Terms; or (iii) your engagement with a financial advisor.
10. Modification of Terms We reserve the right, at our sole discretion, to modify or replace these Terms at any time. We will post the updated Terms on this page and update the “Effective Date” at the top. Your continued use of the Service after any such change constitutes your acceptance of the new Terms.
11. Governing Law and Dispute Resolution These Terms shall be governed by and construed in accordance with the laws of the Republic of South Africa. Any dispute arising out of or in connection with these Terms shall be submitted to the exclusive jurisdiction of the courts of Cape Town, South Africa.
12. Contact Information If you have any questions about these Terms, please contact us at: Caribou Capital (Pty) Ltd Email: info@caribouselect.com Address: 20 Amble Way, Melkbosstrand, Cape Town, 7441
