MIBFA has created and maintains this web site as an information service to our members.

While every effort has been made to ensure that the information contained on this web site is correct, we make no claim that it is entirely accurate or complete.

The material provided on this site is intended to be used for information purposes only and not as advice of any kind. MIBFA neither invites nor expects any person or organisation to act or rely on any statement, opinion, representation or inference expressed or implied on this web site.

MIBFA shall not be liable to any party for any form of loss or damage incurred as a result of any use of or reliance on any information contained on this web site or any other web site which can be accessed through this web site.

Use of this site and the online services is entirely at the user's own risk. The user assumes full responsibility for the risk or any loss resulting from the use of this site and the user's reliance on information contained in it.

In no event will MIBFA be liable for any damages, whether direct, indirect, special, incidental, or consequential whatsoever relating to the user's use of this site or the online services or the information contained on this site or the user's inability to use this site or the online services, whether such damages arose out of contract, or delict or otherwise and regardless of whether MIBFA was expressly advised of the possibility of such loss or damage.

Without derogating from the generality of the above, and to the extend legally permitted, MIBFA will not be liable for:

• Any interruption, malfunction, downtime, off-line situation or other failure of the site or online services, MIBFA's system, databases or any of its components, beyond MIBFA's reasonable control;
• Any loss or damage with regard to the users data or other data directly or indirectly caused by malfunction of MIBFA's system, third party systems, power failures, unlawful access to or theft of data, computer viruses or destructive code on MIBFA's system or third party systems; programming defects;
• Any interruption, malfunction, downtime or other failure of goods or services provided by third parties, including, without limitation, third party systems such as the public switched telecommunication service providers; internet service providers, electricity suppliers, local authorities and certification authorities; or any event over which we have no direct control.

Submission of online documentation: An instruction or contribution return is deemed to be received by us only once we have confirmed we have received it. If we fail to confirm receipt of your instruction, do not re-send the same instruction before contacting our Customer Contact Centre. This is because the initial or return may still be processed and re-sending the instruction or return may lead to a duplication for which we will not be held liable.