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CreditSmart Financial Services is a Registered Financial Services Provider (FSP 52295). Information and any attachments contained in this e-mail are intended solely for the use of the individual(s) to whom it was addressed and must not be construed as advice in terms of the FAIS Act of 2002 unless specifically referred to as advice.

If you are not the intended recipient, please notify the sender immediately and destroy this message. If you are not the intended recipient, you may not copy, forward, disclose, or deliver this message or any part of it to anyone else. Doing so is strictly prohibited and may be unlawful.

The views, policies, and comments contained in this communication are those of the sender thereof and should not be construed as the views, policies, and comments of CreditSmart unless the sender is or has been expressly authorised to express the views, policies, and comments of CreditSmart on their behalf.

CreditSmart cannot assure that the integrity of this communication has been maintained nor that it is free from errors, interference, or interception. CreditSmart and the sender/transmitter will not be liable for any unauthorised use of, or reliance on, this e-mail or any attachment.

CreditSmart offers registered Debt Counselling services in line with the National Credit Act and under the guidance of the National Credit Regulator. CreditSmart’s registration number is NCRDC 3143.