Financial Disclaimer
Last updated: 22 October 2026
1. General information only
Everything Modern Money publishes – the book, eBook, audiobook, Masterclass, newsletter, website, videos and social media – is general information and education. It is not financial, investment, tax or legal advice, and it does not take your personal circumstances into account.
2. Not a financial services provider
Modern Money and Munya Shumba are not authorised financial services providers in terms of the Financial Advisory and Intermediary Services (FAIS) Act. Nothing we publish is a recommendation to buy or sell any financial product.
3. Your decisions are your own
Before making financial decisions, consider your own situation and speak to a qualified, authorised financial adviser. All investments carry risk, their value can go down as well as up, and past performance is not a guide to future returns.
4. Examples and figures
Examples, calculations and figures are for illustration only. Interest rates, tax rules, limits and product terms change. Please check current information with the relevant provider or SARS.
5. Third-party products
When we mention banks, platforms or other products, it is for educational purposes and is not an endorsement. If we ever receive payment for mentioning a product, we will say so clearly.
6. Liability
To the extent the law allows, Modern Money is not liable for any loss arising from decisions you make based on our content.