Website terms and conditions

Last updated: 15 September 2025

Welcome to SAAD Investment Holdings (“SAAD”, “we”, “us”, “our”). By accessing and using this website (https://saad.co.za/, the “Site”), you agree to these Terms & Conditions (“Terms”), together with our Privacy Policy. If you do not agree, please do not use the Site.

1. Definitions

• User / you: the person accessing or using the Site.
• Personal Information: information as defined in the Protection of Personal Information Act, 2013 (“POPIA”), including but not limited to names, contact details, ID numbers, email addresses, and any data that can identify a person.
• Services: any services, resources, or information made available via the Site.
• Content: text, graphics, images, video, downloads, or other material on the Site.

2. Use of the Site

• Eligibility: You confirm you are of legal age and have capacity to enter binding agreements, or that you act with appropriate authority.
• Lawful use: You agree to use the Site only for lawful purposes and in accordance with these Terms. You may not:
  • violate any applicable laws or regulations;
  • transmit malicious code, spam, or unlawful content;
  • infringe or misappropriate intellectual property rights of SAAD or third parties.
• Accuracy of information: If you submit any information through the Site, you warrant it is true, accurate, current, and complete.

3. Intellectual Property

All Content on the Site, including trademarks, logos, graphics, text, designs, software, and layouts (collectively, “Intellectual Property”) is owned by SAAD or its licensors and protected by South African and international laws. You may view, download, and print Content for personal, non-commercial use only. Any other use, reproduction, modification, or distribution requires our prior written consent.

4. Privacy & Data Protection (POPIA)

We respect your privacy and process Personal Information in accordance with POPIA and our Privacy Policy.

• Purpose of processing: to respond to enquiries; provide and improve Services; operate the Site; comply with legal obligations; and other purposes disclosed at collection.
• Lawful basis: consent, performance of a contract, legitimate interests, or compliance with law, as applicable.
• Data minimisation & retention: we collect only necessary information and retain it only as long as needed for stated purposes or as required by law.
• Security: we implement reasonable technical and organisational measures to protect Personal Information against loss, misuse, unauthorised access, alteration, or disclosure.
• Your rights: subject to conditions in POPIA, you may request access, correction, or deletion; object to certain processing; withdraw consent (where processing is based on consent); and lodge a complaint with the Information Regulator.
• Cookies: where used, cookies and similar technologies help operate and improve the Site. Where legally required, you will have the option to accept or manage cookies.

5. Disclaimers

The Site and all Content are provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied. While we endeavour to keep information accurate and up to date, we make no representations or warranties regarding completeness, accuracy, reliability, suitability, or availability of the Site or Content.

6. Limitation of Liability

To the maximum extent permitted by law, SAAD will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, goodwill, data, or business interruption, arising out of or in connection with your use of the Site or these Terms. Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law.

7. Third-Party Links

The Site may contain links to third-party websites. These links are provided for convenience only. We have no control over, and assume no responsibility for, the content, policies, or practices of any third-party sites. Your use of third-party sites is at your own risk.

8. Changes to the Site or Terms

We may update, suspend, or discontinue the Site (or any part of it) at any time. We may also revise these Terms from time to time. The updated Terms will be posted on the Site with a revised “Last updated” date. Continued use of the Site after changes are posted constitutes acceptance of the updated Terms.

9. Governing Law & Jurisdiction

These Terms are governed by the laws of the Republic of South Africa, including POPIA and other applicable legislation. You agree to the non-exclusive jurisdiction of South African courts for any dispute arising out of or in connection with these Terms.

10. Severability & Waiver

If any provision of these Terms is held invalid or unenforceable, that provision will be severed and the remaining provisions will remain in full force and effect. No failure or delay by SAAD to exercise any right or provision under these Terms will constitute a waiver of such right or provision.

11. Contact Information

For questions about these Terms or our processing of Personal Information, please contact: