Please read these terms and conditions carefully as they affect your and our rights and liabilities under the law, and set out the terms under which Alchemy Financial Solutions makes these online services available to you. By using, you signify your consent to the terms and policies below.

When you contact us, you may be sharing personal information that identifies you or other natural or juristic persons. We process this information in compliance with South Africa’s conditions for lawful processing of personal information. For more information about our data protection policies, including our section 18 POPIA notification, kindly view our Privacy Statement

Contact the Information Officer

  1. is owned and managed by Alchemy Solutions (Pty) Ltd (1997/005146/07) (Directors: R Adshade and K Mackenzie). If you have any requests or complaints relating to the information we process about you and your access to that information, you may contact our Information Officer at


  1. This Privacy Statement sets out the lawful terms on which we process any information you provide to us voluntarily via this website. If you do not agree with these terms, you must not access and use this website, and not share any personal information with us.
  2. We are bound by conditions for the lawful processing of (personal) information as set out by the Protection of Personal Information Act, 4 of 2013 (“POPIA”), and by conditions for accessing this information as set out in the Promotion of Access to Information Act, 2 of 2000 ("PAIA").

Impersonal information

  1. This website does not use cookies.

Personal information received from you

  1. Personal information is information by which you may be identified.
  2. We only process personal information that you voluntarily submit to us, and use it for the purpose we indicate at the time of collection. If we want to use your personal information for any other purpose, we will ask you before we do, and you may refuse.
  3. You warrant that all personal information provided by you is accurate, complete and not misleading.

Our personal information

  1. Contact information displayed on our website is personal information in terms of the Protection of Personal Information Act, and may not be incorporated into any filing system for any purpose.

Personal information received from third parties

  1. Before we agree to receive personal information relating to third parties from you, we require that you provide evidence of your compliance with the notification obligations in terms of Article 13 of the General Data Protection Regulation 2016/679 ("GDPR") and Section 12(b) of POPIA (for EU citizens) and in terms of Section 18 of POPIA (for all other citizens).

Private correspondence

  1. Privacy The content of correspondence, including but not limited to email, fax, and text messages we send to you personally, is never intended for public access – it is intended for the addressee only, and may include protected personal information about us, you, other people or juristic persons. If you are not the intended recipient of such correspondence, do not forward, disseminate or publish its content - doing so may be a violation of data protection regulation. Please notify us and destroy the content. We apologise for any inconvenience, and guarantee to rectify the mistake with immediate effect.   Security You accept that no correspondence can be guaranteed to be 100% secure or error free. We do not accept liability for any errors in its content, or for harm resulting from the unauthorised interception, access, use, publication, dissemination or destruction of its content.

Section 18 POPIA notification

  1. (a) INFORMATION - We may need to collect and process information that identifies you, other people, or a juristic person, or information of a private or confidential nature as part of our normal business operations, for purposes listed in (c) below. This information may include, but not be limited to your name, surname, email address, phone numbers, physical, postal and delivery address, and any other personal identifiers you consent to voluntarily share with us, or you need to share with us by law or in the context of our contractual obligations to you;
  2. (b) RESPONSIBLE PARTY - The responsible party is Alchemy Solutions (Pty) Ltd (1997/005146/07) (Directors: R Adshade and K Mackenzie), 178 Dorp Street, Stellenbosch 7600, South Africa;
  3. (c) PURPOSE - We must process personal information about you to comply with industry, company, tax, data protection and access to information regulation. We may need to process personal information about you to pursue our legitimate interests, to communicate with you about queries, products or services you have requested, and to negotiate, perform or conclude our contracts and transactions with you. We may process personal information about you for the purpose of direct marketing, but only after you have consented and only for as long as you do not withdraw that consent. Where there is no obligation, legitimate interest or consent, we may ask you to consent to any further processing of your information;
  4. (d) SUPPLY - We only request and process information about you that is adequate, relevant and proportionate to the purpose for which we collect it. To enable us to comply with our legal and contractual obligations with you, it may be mandatory for you to supply the information listed in (a) to us;
  5. (e) CONSEQUENCES - Should there be instances where particular information may be withheld by you, we will indicate the consequences of doing so on a case by case basis;
  6. (f) LAW - Specific regulation applicable to financial service providers as well as more general company, tax, data protection and access to information laws, authorise or require us to process the information listed in (a);
  7. (g) THIRD COUNTRIES - We do not transfer your personal information across South African borders. The servers we process your information on, are located in South Africa;
  8. (h) RECIPIENTS - We do not share your personal information with third parties, other than Operators that are contracted by us to manage your information on our behalf in terms of sections 20 and 21 POPIA. These Operators (may) include accountants, auditors, government institutions, who host our website and mail servers, and who manage our website content.
  9. YOUR RIGHTS - You have the right to request access to information we process about you, and the right to request amendments. If you have reasonable grounds related to your particular situation, you may also object to our processing of your personal information. You have the right to lodge a complaint with the Information Regulator at JD House, 27 Stiemens Street, Braamfontein, Johannesburg, 2001, P.O Box 31533, Braamfontein, Johannesburg, 2017, Tel No. +27 (0) 10 023 5207,,

Our agreement with you

  1. These terms of use set out the terms and conditions to which you consent when accessing and using
  2. If you do not agree with these terms of use, you must not access or make use of By continuing to use the website, you signify your agreement to these Terms of Use.
  3. We may change these Terms of Use at any time, and the latest amendments will be applicable and binding on you and any transactions and communications you exchange with us as soon as they are published on our website.
  4. Any rights not expressly granted herein are reserved by us.
  5. It is within our discretion to determine whether there has been a breach of these Terms of Use through your use of our website. When a breach occurs, we may take such action as we deem appropriate.
  6. These Terms constitute the entire and final agreement between you and Alchemy Financial Solutions, and supersede all prior agreements and communications with respect to the Terms included herein.

Website content, usage and access

  1. While we provide this website and most of its content publicly, free of charge, you are responsible for the internet connection and related costs that are necessary to access our website.
  2. We grant you a limited, non-exclusive, non-transferrable and revocable, license to access and use our website and its content at any time, solely for your personal, non-commercial use.
  3. Your usage of our website does not include a right to reproduce, copy, modify, adapt, prepare derivative works based upon, distribute, license, lease, sell, resell, transfer, publicly display, publicly perform, transmit, stream, broadcast or otherwise exploit all or any part of our website without our prior authorisation.
  4. You may download extracts of any content from our website for your personal use. You may link to our website from your website or social media page, and share content of our website on social media, but may not modify the content or claim that content from our website is yours. Credit to “Alchemy Financial Solutions” as the rightful owners and “” as the source of the content must always be acknowledged.
  5. It is your responsibility to ensure that you access our website at the correct URL ( and not via a malicious duplicate or redirect.
  6. Your access and usage of the website today does not create any rights for you to access and use this website and its content in future. We may change its content, or remove the website entirely at our own discretion, without notice.
  7. The content on this website is provided for general information purposes only. While we make reasonable efforts to keep its content up to date and error-free, we make no claims as to the accuracy, validity, safety or security of the content you find in this website.
  8. Our website contains links to other websites and resources provided by third parties. These links are provided for your convenience and information only. You acknowledge that different terms of use and privacy policies may apply to your use of such third party content. We do not endorse, or guarantee the reliability and security of, such third party content and in no event shall we be responsible or liable for any services of such third party providers.


  1. The website is owned and managed by Alchemy Solutions (Pty) Ltd (1997/005146/07) (Directors: R Adshade and K Mackenzie), who may be contacted at
  2. We are the owner or rightful licensee of all intellectual property rights of materials used in this website - including but not limited to, concepts, know-how, data processing techniques, copyrights, patents, designs including the website look and feel, lay out, text and images, inventions, trademarks, tables and compilations of data, unless otherwise indicated.
  3. If we undergo a change in ownership, or a merger with, acquisition by, or sale of assets to, another entity, we may assign our rights and obligations under these Terms of Use (including those as per our Privacy Policy) to a successor, purchaser, or separate entity.

Limitation of liability

  1. We provide our website to you on an “as-is” and on an “as-available” basis. We make no claim, guarantee or warranty regarding the quality, reliability, suitability, or availability of our website or any of our services through the use of our website, or that the use of our website will be uninterrupted or error-free.
  2. You agree that it is within your sole discretion to use our website and that the entire risk arising out of this use remains solely with you, and that you will indemnify us against any claim, demand, damage, costs, loss or liability related to your use of our website.
  3. Alchemy Financial Solutions, its directors and its employees shall not be liable for direct or indirect damages of any kind arising from the access or usage of our website or the purchase of any of our or any third-party products or services via our website.
  4. We specifically exclude any liability for our actions taken in response to a breach of these Terms of Use.

Applicable law and jurisdiction

  1. These Terms of Use are governed by the laws of the Republic of South Africa.