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The contents of this electronic message and any attachments relating to the official business of Quotient Financial Solutions (Pty) Ltd and associated enterprises (“Quotient”) are proprietary to Quotient. They are confidential, legally privileged and protected by law. The contents do not constitute an acceptance of any agreement, commitment or obligation by Quotient unless this is explicitly stated in writing by a person that Quotient has made known to the recipient to be authorised to contract on behalf of Quotient.

Views and opinions unrelated to the official business of Quotient are those of the sender and do not represent Quotient’s views or opinions. Quotient will not be liable for unauthorised use of electronic messaging.

The person addressed in this electronic message is the sole authorised recipient. If you have received this message in error, you are to delete it immediately and notify the sender that it has unintentionally reached you. You may not use or disclose the contents of this message to any other person.

Quotient cannot assure that the integrity of this communication has been maintained, or that it is free of errors, viruses, interception, tampering or interference. Quotient therefore will not be liable for the contents of this electronic message, its non-delivery or incorrect delivery for whatever reason, its effect on electronic devices or its transmission in an unencrypted medium.

Any electronic message shall not be regarded as received by Quotient until such time as receipt has been acknowledged other than through an automatic response or read receipt.

Limitation of Liability

The liability of Quotient Financial Solutions, John Lightfoot CA(SA), RA his appointees, employees, agents and or representatives of Quotient Financial Solutions (“Quotient’) for any claims arising out of services provided in connection with this correspondence, contract, applicable service or instructions (“the Services”), for any reason, shall be limited to an amount equal to twice the total fees invoiced for the Services provided or, to the value of the indemnity authorised and provided by our professional insurers in respect of such claims, whichever is the lesser amount. This limitation of liability applies to all claims, whether direct or indirect, from whatever source and howsoever arising, whether in contract, delict or otherwise.

Quotient shall not be liable to any recipient of such correspondence ,cessionary or third party claiming through or on behalf of such a recipient for any damages whatsoever or for any consequential or other loss or damages, whether direct or indirect, beyond the limitation specified. This correspondence is governed by South African law and all related matters shall be subject to the exclusive jurisdiction of the Courts of South Africa.

Further thereto, whilst every care is taken to ensure the information provided is accurate, no liability is accepted or may be imputed by virtue of the provision of this information, any change in circumstances or from any use of the information for any purpose.