Terms, privacy, disclaimers and PAIA

Acceptance

By accessing or using this website you agree to be bound by these terms, our privacy notice and our disclaimers. We may amend these terms at any time by posting a revised version. Continued use after any change constitutes acceptance of the revised terms.

Information is general

All content on this site, including any assessment, scoring tool, framework, article or download, is provided for general information only. It does not constitute professional advice of any kind, including legal, financial, tax, accounting, investment or business advice, and it does not take account of your particular circumstances or objectives. No client, advisory, fiduciary or professional relationship is created by your use of this site or by any communication submitted through it.

No warranty

The site and its content are provided as is and as available. We make no representation or warranty, express or implied, that the content is accurate, complete, current, fit for any purpose, uninterrupted or free of error or harmful components. Any outputs generated by tools on this site depend entirely on the information you supply, which we do not verify.

No reliance

You must not rely on any content on this site. Any action you take on the basis of it is at your own risk. Before making any decision you should obtain appropriate professional advice from an adviser who has assessed your specific circumstances.

Limitation of liability

To the fullest extent permitted by law, Opal Ice Investments (Pty) Ltd, its directors, employees, contractors and associated entities are not liable for any loss or damage of any kind, whether direct, indirect, incidental, special, consequential or punitive, and including loss of profit, loss of opportunity, loss of data or reputational harm, arising from or in connection with your use of this site, your reliance on any content, or your inability to access the site, whether the claim arises in contract, delict, statute or otherwise, and whether or not we were advised of the possibility of such loss.

Indemnity

You indemnify and hold harmless Opal Ice Investments (Pty) Ltd, Investable Foundation NPC, and their directors, employees, contractors and associated entities against any claim, demand, action, loss, liability, damage, cost or expense, including legal costs on an attorney and own client scale, arising from or in connection with your use of this website, your breach of these terms, your reliance on any content, any information you submit through the site, or any claim brought by a third party in connection with your use of the site or its outputs.

Intellectual property

All content on this site, including text, graphics, frameworks, methodologies, assessment logic, trade marks and layout, is owned by or licensed to Opal Ice Investments (Pty) Ltd and protected by law. The Ground Truth Loop, the Decision Ledger and the Investable Standard are our proprietary frameworks. You may view and print content for your own internal, non-commercial use. You may not reproduce, adapt, distribute, publish or commercially exploit any content without our prior written permission.

Third party links

This site may link to third party websites. We do not control those sites, we do not endorse their content, and we accept no responsibility for them or for any loss arising from your use of them.

Governing law

These terms are governed by the laws of the Republic of South Africa. You consent to the jurisdiction of the South African courts in respect of any dispute arising from these terms or your use of this site.

Severability

If any provision of these terms is found unenforceable, that provision is severed and the remaining provisions continue in full force.

Who we are

Opal Ice Investments (Pty) Ltd, trading as Investable, is the responsible party for personal information collected through this website, as contemplated in the Protection of Personal Information Act 4 of 2013 (POPIA). Our Information Officer is Keshni Morar, Chief Executive, reachable at hello@investable.business.

What we collect

We collect only what you choose to give us: your name, email address, organisation, role and whatever you write in a free text field, together with any answers you submit through an assessment. We do not collect special personal information and we do not knowingly collect information about children.

Why we collect it

To respond to your enquiry, to prepare for a conversation you have requested, and to meet legal or regulatory obligations. We do not sell your information, we do not share it for marketing purposes, and we do not add you to a mailing list without your consent.

Who we share it with

Only with service providers who host the site, process form submissions or provide analytics on our behalf, under obligations of confidentiality, and with regulators or authorities where the law requires it.

Cross-border transfer

Some of our service providers process information outside South Africa. Where this occurs, we take reasonable steps to ensure a comparable level of protection as required by POPIA.

How long we keep it

For as long as needed to respond to your enquiry and to meet legal obligations, after which it is deleted or de-identified.

Your rights

You may ask what personal information we hold about you, request correction or deletion, object to processing, or withdraw consent. Contact us at hello@investable.business. You may also lodge a complaint with the Information Regulator of South Africa.

Cookies and analytics

We use essential cookies required for the site to function, and Google Analytics to understand how the site is used. Analytics cookies are not set unless you accept them through the banner shown on your first visit. Your choice is stored on your own device and you may change it by clearing your browser storage for this site. IP addresses passed to Google Analytics are anonymised. We do not use advertising cookies and we do not sell or share analytics data.

Assessments and tools

Any assessment, score, level or output produced by tools on this site is an indicative screening output based solely on the answers given. We do not verify those answers. The output does not take account of your circumstances and is not a substitute for due diligence or for legal, financial, tax, accounting or investment advice. Many factors that determine a real decision are not assessed, including matters neither party may be aware of at the time. No decision to proceed, stop, invest, acquire, dispose or fund should be taken on the basis of an output from this site.

Not an offer

Nothing on this site constitutes an offer, solicitation or recommendation to buy, sell or subscribe for any security or financial product, or to enter into any transaction.

Not regulated financial advice

We do not hold a licence under the Financial Advisory and Intermediary Services Act 37 of 2002, and nothing on this site is advice on financial products as contemplated in that Act. Where an engagement requires FAIS-regulated advice, this is provided only through appropriately licensed third parties.

Forward looking statements

Any statement about future performance, market conditions or outcomes is an opinion, not a prediction, and actual outcomes may differ materially.

Foundation

Investable Foundation NPC is a separate legal entity from Opal Ice Investments (Pty) Ltd. The two entities do not share liability and neither is responsible for the obligations of the other. Statements about tax treatment of donations are general. Deduction limits and qualifying conditions apply and donors should confirm their own position with SARS or a tax adviser.

Manual published in terms of section 51 of the Promotion of Access to Information Act 2 of 2000 (PAIA), read with the Protection of Personal Information Act 4 of 2013 (POPIA).

1. Particulars of the body

Opal Ice Investments (Pty) Ltd, trading as Investable, a private company incorporated in the Republic of South Africa. Physical and postal address: Gauteng, South Africa. Email: hello@investable.business. This manual also covers Investable Foundation NPC, non-profit company registration number 2026/031990/08, NPO number 334-886-NPO, PBO number 930089484, which is a separate legal entity.

2. Information Officer

Information Officer: Keshni Morar, Chief Executive. Contact: hello@investable.business. Requests for access to information must be directed to the Information Officer.

3. The section 10 guide

The Information Regulator has compiled a guide in terms of section 10 of PAIA containing information on how to exercise rights under the Act. It is available from the Information Regulator of South Africa, and may be requested from that office directly.

4. Records available without a request

The following are available on this website or on request without a formal PAIA application: our service descriptions, published frameworks, terms of use, privacy notice, this manual, and Foundation programme information and reporting formats.

5. Records held

Company records including founding documents, statutory registers, minutes and resolutions. Financial records including accounting records, tax records, banking records and statutory returns. Client and engagement records including proposals, engagement letters, non-disclosure agreements, working papers, deliverables and correspondence. Personnel and contractor records including agreements and payment records. Marketing and website records including enquiry submissions and assessment submissions. Foundation records including programme design, participant records, funder agreements and monitoring and evaluation reporting.

6. Records held under other legislation

Records are held in terms of, among others, the Companies Act 71 of 2008, the Income Tax Act 58 of 1962, the Tax Administration Act 28 of 2011, the Value-Added Tax Act 89 of 1991 where applicable, the Basic Conditions of Employment Act 75 of 1997, the Broad-Based Black Economic Empowerment Act 53 of 2003, POPIA and the Nonprofit Organisations Act 71 of 1997 in respect of the Foundation.

7. How to request access

A request must be made on the prescribed form and submitted to the Information Officer at the address above. The request must provide sufficient detail to identify the record and the requester, state the right the requester seeks to exercise and why the record is required to exercise it, and specify the form of access required. The prescribed fees payable are those published under PAIA. A decision will be given within thirty days, subject to any permitted extension. Where access is refused, reasons will be given together with the remedies available.

8. Grounds for refusal

Access may be refused on the grounds set out in Chapter 4 of Part 3 of PAIA, including the protection of the privacy of a third party, the commercial information of a third party or of the company, confidential information held by a third party, information privileged from production in legal proceedings, and research information.

9. Processing of personal information under POPIA

Categories of data subjects and their personal information: prospective and current clients, being contact and organisational details, enquiry content and engagement records; contractors and service providers, being contact, contracting and payment details; Foundation participants, funders and mentors, being contact details, application and programme records; website visitors, being form submissions and, where consented to, analytics data. Personal information is processed for the purposes of responding to enquiries, delivering engagements and programmes, meeting legal and regulatory obligations, and reporting to funders. Recipients include service providers who host or process on our behalf and regulators where required by law. Security safeguards include access control, confidentiality obligations and reputable hosting and processing providers. Cross-border transfer occurs where a service provider processes outside South Africa, subject to comparable protection.

10. Availability and updates

This manual is available on this website and at our address on request. It is reviewed annually and updated as required.