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Terms & Conditions

This website, www.carrick-wealth.com (including www.carrickis.com), is comprised of various global and individual country specific websites. Any such individual website is designated after the “Please select your country” drop-down box in the upper right-hand corner of the webpage that you are viewing at any point during your use of carrick-wealth.com.

These Terms and Conditions of Use apply to the specific global or country specific website that you were viewing within www.carrick-wealth.com before clicking on the Terms and Conditions of Use link. Such individual website is referred to in these Terms and Conditions of Use as “this Website”.

BY USING THIS WEBSITE, YOU ARE INDICATING THAT YOU HAVE READ THESE TERMS AND CONDITIONS OF USE, THAT YOU ACCEPT THAT THESE TERMS AND CONDITIONS OF USE ARE BINDING ON YOU AND THAT YOU AGREE TO ABIDE BY THESE TERMS AND CONDITIONS OF USE. IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS OF USE, THEN YOU ARE NOT ALLOWED TO USE THIS WEBSITE AND SHOULD IMMEDIATELY TERMINATE YOUR USAGE THEREOF.

Carrick Wealth Limited (Licence No.: IA 002/18) (hereinafter referred to as “Carrick”) is a duly licensed Investment Adviser in terms of the Financial Services Act, No. 26 of 2010 (“FSA”) and the Securities Act, No. 20 of 2010 (“Securities Act”) and is the operating entity of the Carrick corporate group in Malawi.

Carrick is additionally referred to in these Terms and Conditions of Use as “we”, “us”, or “our”. Although parts of these Terms and Conditions of Use may reference other entities in the Carrick group of companies, these Terms and Conditions of Use are only between yourself and Carrick and not with any of those other entities.

The Financial Services Act and the Securities Act

The FSA was promulgated to make provision for the supervision and regulation of financial institutions and for matters connected therewith and incidental thereto. The Securities Act was promulgated to provide for the regulation of capital and securities markets, and persons transacting business in or through capital and securities markets; to promote internal and external confidence in the integrity and proper functioning of the capital and securities markets; and to make provision for matters connected therewith or incidental thereto.

As a client, you are entitled to full transparency and disclosure of information and fees on any financial product that you purchase. We, as an NBFI are required to keep proper records of all transactions and client contacts, as well as complying with legislation aimed at addressing the quality of advice that is given.

Our Wealth Specialists, whom you appoint, will require you to, inter alia, sign a mandate which will ensure that your wishes are carried out in accordance to set parameters and agreed upon objectives and investment requirements.

Our Wealth Specialists are licensed with the Registrar of Financial Institutions and are trained in accordance with industry standards. Continuous Professional Development (“CPD”) ensures that ongoing training and development programmes are in place.

Intellectual Property and Use of Content

This Website and all material, content and forms contained on this Website are owned by Carrick and are protected by copyright, trademark and other intellectual property laws of Malawi, the Republic of South Africa and/or foreign countries. All rights not expressly granted in these Terms and Conditions of Use are reserved.

Unless otherwise indicated in the relevant content, and on the condition that you comply with all of your obligations under these Terms and Conditions of Use, you are authorised to view, download, print and distribute (but not modify) the content of this Website; provided that such viewing, downloading, printing and/or distribution is done for informational, non-commercial and private purposes only and that any copy of the content that you make includes the copyright notice or other attribution associated with the content.

Any trademarks registered by Carrick, belong to Carrick. These trademarks may not be copied, transmitted or used by anyone unless expressly permitted by Carrick. You may not use any of our aforementioned trademarks, be they names, marks or logos, in any press release, advertisement, or other promotional or marketing material or media, whether in written, oral, electronic, visual or any other form, except if expressly permitted in writing by Carrick or its designee. To request this written permission, please click here.

References to other parties’ trademarks on this Website are for identification purposes only and do not indicate that such parties have approved this Website or any of its contents. These Terms and Conditions of Use do not grant you any right to use the trademarks of such other parties.

You will comply with all applicable laws in accessing and using this Website.

Disclaimers and Limitations of Liability

This Website (including without limitation any content or other parts thereof) contains general information regarding us, our services and our objectives only, and we are not, by means of this Website, rendering professional financial, tax, legal, investment and/or any other advice or services. Before making any decision or taking any action that might affect your finances or business, you should consult a qualified professional advisor.

Although we have taken all possible care to safeguard the reliability of the information contained on this Website at the time of its publication, this Website is provided as is, and we make no express or implied representations or warranties regarding it. Without limiting the foregoing, we do not warrant that this Website will be secure, error-free, free from viruses or malicious code, or will meet any particular criteria of performance or quality. We expressly disclaim all implied warranties, including, without limitation, warranties of merchantability, title, fitness for a particular purpose, non-infringement, compatibility, security, and accuracy.

Your use of this Website is at your own risk and you assume full responsibility and risk of loss resulting from your usage, including, without limitation, with respect to loss of service or data. In no event will Carrick be liable for any direct, indirect, special, incidental, consequential, or punitive damages or any other damages whatsoever, whether in an action of contract, statute, delict (including, without limitation, negligence), or otherwise, relating to or arising out of the use of this Website, even if we knew, or should have known, of the possibility of such damages.

Certain links on this Website may lead to websites, resources or tools maintained by third parties over whom we have no control. Without limiting any of the foregoing, we make no express or implied representations or warranties whatsoever regarding such websites, resources and tools, and links to any such websites, resources and tools should not be construed as an endorsement of them or their content by us.

The above disclaimers and limitations of liability shall be applicable not only to us but also to each other entity within the Carrick group of companies and to our and their respective personnel.

The above disclaimers and limitations of liability are applicable to the fullest extent permitted by law, whether in contract, statute, delict (including, without limitation, negligence) or otherwise.

Applicable Law

These terms and conditions shall be governed by and construed in accordance with the laws of Malawi, without giving effect to the principles of conflict of laws, and you hereby consent to the jurisdiction of the Malawian courts in respect of any disputes arising out of or in connection to this Website.

These Terms and Conditions of Use do not, however, restrict, or purport to restrict, your right to submit a complaint to any other body in terms of applicable law, including consumer and financial services laws which cannot be altered by contract.

Revisions of these Terms and Conditions of Use

If any portion of these Terms and Conditions of Use is invalid or unenforceable in any jurisdiction, then in that jurisdiction it shall be re-construed to the maximum effect permitted by law in order to affect its intent as closely as possible, and the remainder of these Terms and Conditions of Use shall remain of full force and effect. In every other jurisdiction, all of these Terms and Conditions of Use shall remain of full force and effect.

The information on this Website is based on our understanding of the current law and practice at the time of publishing. Future changes to legislation, regulatory compliance, taxation and our practices could affect the information contained on this Website.

In light of the above, we may revise these Terms and Conditions of Use from time to time, at our sole discretion, by posting such revised Terms and Conditions of Use at the Terms and Conditions of Use link (i.e., this webpage that you are currently viewing) or elsewhere on this Website. Such revisions shall be effective as to you upon posting, unless explicitly stated by us. It is your responsibility to be aware of any such revised Terms and Conditions of Use by checking this webpage regularly. Your continued use of this Website following any changes to these Terms and Conditions of Use constitutes your consent to the revised Terms and Conditions of Use.

Privacy Policy

We may, as a result of your use and interaction with this Website, collect, hold and process personal information obtained about you.

Please review our Privacy Policy and Cookie Notice for more information regarding the ways in which your personal information is collected in connection with your use of this Website, the purposes for which it is used and how it is shared.

If you would like any more information about our Website and the contents of these Terms and Conditions of Use, please contact: legal@carrickfs.com.