Terms and Conditions

Welcome to the Hybrow Holdings website.

These Terms and Conditions govern your use of this website. By accessing or using this website, you agree to comply with and be bound by these Terms and Conditions. If you do not agree with these Terms, you should not use this website.

Hybrow Holdings is an investment holding company based in Johannesburg, South Africa.

The information provided on this website is for general informational purposes only. While Hybrow Holdings makes reasonable efforts to ensure that the information on this website is accurate and up to date, we do not warrant or guarantee the completeness, accuracy, or reliability of any information presented.

The content on this website should not be relied upon as financial, legal, investment, or professional advice.

Hybrow Holdings and certain of its subsidiaries may be in the process of applying for regulatory approvals with the Financial Sector Conduct Authority (FSCA) and other relevant regulators in South Africa.

Any financial services, insurance products, or lending services described on this website will only be offered by the relevant licensed entity once the necessary regulatory approvals have been granted.

Nothing on this website constitutes an offer of financial products or services.

All content on this website, including but not limited to:

• text
• logos
• graphics
• images
• brand names
• website design

is the intellectual property of Hybrow Holdings unless otherwise stated.

No content may be reproduced, copied, distributed, or used without the prior written consent of Hybrow Holdings.

Hybrow Holdings shall not be liable for any direct, indirect, incidental, or consequential damages arising from:

• the use of this website
• reliance on any information provided on the website
• technical errors or interruptions

Users access and use the website at their own risk.

Any personal information submitted through this website will be processed in accordance with applicable data protection laws in South Africa, including the Protection of Personal Information Act (POPIA).

Users are encouraged to review our Privacy Policy for further information on how personal data is collected and processed.

These Terms and Conditions are governed by and interpreted in accordance with the laws of the Republic of South Africa.

Any disputes arising from the use of this website shall be subject to the jurisdiction of the courts of South Africa.

For any queries relating to these Terms and Conditions, please contact: