Terms of Service
The terms and conditions governing your use of our website and services.
Last updated: March 2026
1. Acceptance of Terms
By accessing and using the LifeSense Financial Services website and services, you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you should not use our website or services.
2. About LifeSense Financial Services
LifeSense Financial Services (Pty) Ltd is an authorised Financial Services Provider regulated by the Financial Sector Conduct Authority (FSCA) of South Africa. We provide financial planning, investment advisory, insurance intermediary, and employee benefits consulting services.
3. No Financial Advice
The information on this website is provided for general informational purposes only and does not constitute financial, tax, legal, or investment advice. The content should not be relied upon as a basis for making any financial decisions. Always consult a qualified financial advisor before making investment or financial planning decisions.
4. Investment Risks
All investments carry risk. Past performance is not indicative of future results. The value of investments can go down as well as up, and you may receive less than your original investment. Returns are not guaranteed. Specific risks associated with different investment products will be disclosed to you during the advisory process.
5. Intellectual Property
All content on this website — including text, graphics, logos, images, and software — is the property of LifeSense Financial Services and is protected by South African intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without written permission.
6. Accuracy of Information
While we endeavour to keep the information on this website accurate and up to date, we make no warranties or representations regarding the completeness, accuracy, or reliability of the content. Financial regulations, tax laws, and product features change regularly. Information on this site may not reflect the most recent changes.
7. Limitation of Liability
To the maximum extent permitted by law, LifeSense Financial Services shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of this website or reliance on any information contained herein. This limitation applies whether the claim is based on contract, tort, negligence, or any other legal theory.
8. Third-Party Links
This website may contain links to third-party websites. We are not responsible for the content, privacy practices, or availability of third-party sites. The inclusion of a link does not imply endorsement of the linked site.
9. Governing Law
These terms are governed by and construed in accordance with the laws of the Republic of South Africa. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the South African courts.
10. Changes to Terms
We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting to this website. Your continued use of the site after changes are posted constitutes acceptance of the revised terms.
11. Contact
For questions about these terms, contact us at:
Email: info@lifesensefs.co.za
Phone: +27 (0) 86 100 0079