The purpose of this website is to provide persons entering this Internet domain (Users) with general information about, and breakdowns of the services offered by, Cedar Employee Benefits (Pty) Ltd (Cedar).

These Terms and Conditions are binding and enforceable against all Users that access the Cedar website in terms of Section 11(3) of the Electronic Communications and Transactions (ECT) Act 25 of 2002 (ECT Act). If the User does not agree to these Terms and Conditions, he or she must immediately leave the Cedar website, as further use will automatically bind the User to these Terms and Conditions.



Further use of this website indicates that the User hereby understands and accepts the following:

1.1 Cedar has taken all reasonable steps to ensure that the information available on this website is current and accurate, however Cedar can neither guarantee the accuracy of the information nor guarantee that it is up to date;

1.2 Cedar disclaims all implied warranties, including but not limited to, warranties of compatibility, security and accuracy;

1.3 Although Cedar has taken all reasonable steps to guard against viruses (destructive codes), Cedar gives no warranty that the site is free of viruses or any other data or code that has the ability to corrupt or affect the User system;

1.4 Calculations made on the website are illustrative and serve as a guideline only. Such calculations are subject to confirmation by Cedar. Cedar does not guarantee the accuracy or completeness of these calculations;

1.5 Use of this website is entirely at the Users own risk;

1.6 Information provided does not constitute advice as defined in the Financial Advisory and Intermediary Services (FAIS) Act 37 of 2002 (FAIS Act). It is the User's responsibility to seek professional advice to ascertain whether any advice or information obtained from this site is suitable to his or her personal circumstances;

1.7 Cedar is not liable for any damages whatsoever relating to the use of this site in any manner. This includes, but is not limited to, any direct, indirect, special, incidental, punitive or consequential loss, whether in contract, statute or delict, that arises from information made available on these pages and actions, transactions or omissions resulting from the information contained on this site;

1.8 Cedar has, in good faith, provided links that would appear useful to its readers. However, it does not make any representation regarding these websites and does not endorse the products and/or services offered on such sites. Cedar accepts no responsibility whatsoever for the content or use of such websites or the information contained therein;

1.9 Unless otherwise noted, the contents of this website are subject to intellectual property rights that vest in Cedar. The User is thus prohibited from using the content in web pages, electronic or written publications or any other media and/or words, phrases, names, designs or logos that are Cedar's trade marks without the express written permission of Cedar;

1.10 All information available on this website including information on products and services and their terms and conditions, is subject to change without notice; and

1.11 This website is governed by South African legislation and it is subject to the jurisdiction of South African courts. Foreign legislation will be applicable where expressly indicated.


2. Privacy Policy

Cedar is aware that although use of the Internet is advantageous in many aspects, privacy and the protection thereof is an issue of utmost importance. Cedar acknowledges that the right to privacy is one that needs to be protected. In the interests of ensuring that Users of our website are adequately protected, as far as possible, regarding the privacy of any personal information that they may use on the website, Cedar has adopted a privacy policy. This policy voluntarily subscribes to the principles outlined in Section 51 of the ECT Act and has incorporated these principles into this privacy policy. Cedar's privacy policy is as follows:

2.1 The User's personal information will not be collected, collated, processed or disclosed by Cedar without the User's express written consent, unless Cedar is legally required to do so;

2.2 Cedar will only electronically request, collect, collate, process or store personal information if it is lawful to do so;

2.3 Cedar will disclose to the User, in writing, the specific purpose for which personal information is required. Furthermore, Cedar will not disclose personal information for any other purpose than the one disclosed, nor will it disclose any personal information to a third party without the User's express written consent, unless Cedar required to do so by law;

2.4 Cedar will keep a record of any personal information and the purpose for which it was used;

2.5 Cedar will take all reasonable steps to ensure that personal information is kept confidential and secure by storing such information on a secured database;

2.6 Cedar keeps all financial information that it records strictly confidential and will not disclose it to any third party that has no right or title to the information;

2.7 Cedar will endeavour to take all reasonable and necessary precautions to secure access to transactions; however, it cannot guarantee the confidentiality of any transaction;

2.8 Cedar will not be held liable for any personal information that the User discloses to a third party whose link may be found on this website. Always to a third party's privacy policy before disclosing any personal information;

2.9 Cedar may make use of cookies, whereby information that the User sends is saved on such User's hard drive and the Cedar website will be able to identify such User when the User subsequently visits the website;

2.10 Cedar may use the User's information for marketing purposes within Cedar and may send promotional material or details that it thinks may be of interest to such User. However, the User will always be given the opportunity to instruct Cedar to refrain from doing this and to remove any contact details from Cedar's mailing list;

2.11 This privacy policy may be amended from time to time without any notice. Any use of this website, at anytime, will automatically bind the User to the privacy policy that is current at that moment.


3. Disclosures Required by Section 43 of the ECT Act

Access to the services, content, software and content downloads available from the Cedar website is classified as "electronic transactions" in terms of the ECT Act and therefore Users have the rights detailed in Chapter 7 of the ECT Act and Cedar has the duty to disclose the following information:

3.1 The full name and legal status of the website owner: Cedar Employee Benefits (Pty) Ltd;

3.2 Company Registration Number: 2006/016158/07;

3.3 VAT registration number: 4120235926;

3.4 Street address: Nicolway West Office Block, Corner William Nicol Drive and Wedgewood Link, Bryanston, Gauteng 2021, South Africa;

3.5 Postal address: PO Box 3075, Randburg, 2125;

3.6 Physical address for receipt of legal service: : Nicolway West Office Block, Corner William Nicol Drive and Wedgewood Link, Bryanston, Gauteng 2021, South Africa;

3.7 Telephone Number: +27 (0) 11 509 3000;

3.8 Directors:

G.C. Baars (Aus),

L.J. Mathekga,

C.R van Wyk,

3.09 Main business: Cedar is an administrator of pension funds.

3.10 The website address of the Cedar website is:;

3.11  The official email address of the Cedar website is:

3.12  Codes of conduct to which the Cedar subscribes:

FAIS Code of Conduct,

3.13 Copies of the Manual published in terms of section 51 of the Promotion of Access to Information Act 2 of 2000 can be obtained from Cedar's offices subject to the conditions set out by the Directors from time to time;

3.14 Alternative dispute resolution: Subject to urgent and/or interim relief, all disputes regarding:

3.14.1  Access to the Cedar website;

3.14.2 The inability to access the Cedar website;

3.14.3 The services and content available from the Cedar website; or

3.14.4 These Terms and Conditions shall be referred to arbitration in terms of the expedited rules of the Arbitration Foundation of South Africa and such arbitration proceedings shall be conducted in Johannesburg in English. The arbitration ruling shall be final.

3.15 The is no cost associated with the access and use of the Cedar website;

3.16 In terms of the operation of section 42(1)(d) of the ECT Act, the cooling-off provisions of the ECT Act do not apply to this website; and

3.17 Users may lodge complaints concerning the Cedar website by contacting Users hereby assign the copyright in such complaints to Cedar and understand that Cedar may use, disclose and publish such complaints and is furthermore under no legal duty to answer, resolve or address such complaints.


4. Disclosures Required by Section 8 of the FAIS Act

4.1  Cedar and is an Authorised Financial Services Provider as defined in the FAIS Act ; and

4.2 FAIS License number: 29061.


5. Changes and Amendments

Cedar expressly reserves the right, in its sole and absolute discretion, to do any of the following, at any time without prior notice:

5.1 Change these Terms and Conditions;

5.2 Change the content and/or services available from the Cedar website;

5.3 Discontinue any aspect of the Cedar website or service(s) available from the Cedar website; and

5.4 Change the software and hardware required to access and use the Cedar website.




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