Terms of Service
Effective date: 14 September 2026
These Terms of Service govern your access to and use of the Big 5 Capital website, digital platforms, educational products, market information, communications and any other services that we make available from time to time (collectively, the “Services”). By using the Services, you agree to these Terms.
1. About These Terms
Big 5 Capital is referred to in these Terms as “Big 5 Capital”, “we”, “us” or “our”. “You” means the person accessing or using the Services.
Different products or services may have additional terms. Where additional terms apply, they form part of your agreement with us for that product or service.
2. Eligibility
You must be at least 18 years old and legally capable of entering into a binding agreement. If a particular service is subject to additional eligibility, geographic, regulatory or verification requirements, you must satisfy those requirements before using it.
3. Accounts and Security
Where an account is required, you must provide information that is accurate and reasonably complete. You are responsible for keeping your credentials secure and for activity carried out through your account. You must promptly notify us if you believe your account has been compromised.
4. Educational and Market Information
Big 5 Capital may provide educational material, market commentary, research, charts, articles and other information. Unless expressly stated otherwise, this material is provided for general information and educational purposes only. It is not personal financial, investment, tax, legal or other professional advice and should not be relied upon as such.
5. Financial and Digital Asset Risk
Digital assets and financial markets can be highly volatile and may result in partial or total loss of capital. Past performance is not a reliable indicator of future results. You are responsible for making your own decisions and obtaining independent professional advice where appropriate.
6. Payments and Subscriptions
Where paid Services are offered, prices, billing intervals and applicable taxes or charges will be presented at the relevant point of purchase. Payment may be processed by a third-party payment provider. You authorise the applicable charges when you purchase or subscribe to a paid Service.
Refunds and cancellations are governed by our Refund Policy and Cancellation Policy.
7. Acceptable Use
You may use the Services only for lawful purposes. You must not misuse, interfere with, reverse engineer, scrape, disrupt or attempt to gain unauthorised access to the Services, or use them for fraud, unlawful activity or conduct that could harm other users or Big 5 Capital. See our Acceptable Use Policy.
8. Intellectual Property
Unless otherwise stated, the Services and their content, branding, designs, text, graphics, software and other materials are owned by or licensed to Big 5 Capital. We grant you a limited, non-exclusive, non-transferable right to access and use the Services for their intended purpose. You may not reproduce, distribute or commercially exploit our content without permission.
9. Third-Party Services
The Services may integrate with or link to third-party services. We are not responsible for third-party systems, availability, content or terms. Your use of third-party services may be subject to separate agreements.
10. Availability and Changes
We aim to provide reliable Services but do not guarantee uninterrupted or error-free availability. We may modify, suspend or discontinue part of the Services where reasonably necessary, including for maintenance, security, legal or regulatory reasons.
11. Suspension and Termination
We may suspend or terminate access where reasonably necessary to protect users, the Services or our legal and regulatory obligations, including where we reasonably believe these Terms have been breached. Where appropriate, we will provide notice and an opportunity to resolve the issue.
12. Disclaimers
To the maximum extent permitted by law, the Services are provided on an “as available” basis. We do not guarantee that information is complete, current or error-free, or that the Services will meet every individual requirement. See our Disclaimer and Risk Disclosure.
13. Liability
Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited. Subject to that, to the maximum extent permitted by law, Big 5 Capital will not be liable for indirect, incidental, special or consequential loss arising from use of the Services. Any limitation is subject to applicable South African consumer protection and other mandatory laws.
14. Indemnity
To the extent permitted by law, you agree to be responsible for losses, claims and reasonable costs arising from your unlawful use of the Services or material breach of these Terms.
15. Privacy
Our collection and use of personal information is described in our Privacy Policy. Our use of cookies is described in our Cookie Policy.
16. Complaints and Disputes
We encourage you to raise concerns with us first. Our complaints process is described in our Complaints & Dispute Resolution Policy. Nothing in these Terms prevents you from exercising rights available to you under applicable law.
17. Governing Law
These Terms are governed by the laws of the Republic of South Africa, subject to any mandatory consumer, regulatory or other legal rights that apply to you.
18. Changes to These Terms
We may update these Terms from time to time. The current version will be published on this website with an updated effective date. Continued use after an update may constitute acceptance where permitted by law.
19. Contact
For questions about these Terms, contact info@big5capital.com.
These Terms should be reviewed by a suitably qualified South African legal or compliance professional before being relied upon as the final contractual framework for regulated services.