Disclaimer

Last Updated: 1 November 2025

IMPORTANT - PLEASE READ CAREFULLY

This Disclaimer clarifies the nature of TradeJournal's services and limits our liability. By using our platform, you acknowledge and accept these terms. Trading involves substantial risk and may not be suitable for everyone.

We Are NOT a Financial Services Provider

TradeJournal.co.za (operated by Tapnet (Pty) Ltd) is NOT:

  • A licensed Financial Services Provider (FSP) under the Financial Advisory and Intermediary Services Act (FAIS Act)
  • Regulated by the Financial Sector Conduct Authority (FSCA) as a financial services entity
  • A broker, dealer, or financial intermediary
  • An investment advisor or fund manager
  • A trading platform or execution venue

What We Actually Are:

TradeJournal is a software-as-a-service (SaaS) platform that provides journaling, data management, and analytics tools for traders. We are a technology provider, not a financial services provider.

No Financial, Investment, or Trading Advice

NOTHING on TradeJournal constitutes financial, investment, trading, or any other type of advice.

Specifically:

  • We do NOT recommend specific trades, securities, currencies, or financial instruments
  • We do NOT provide buy/sell signals or trading strategies
  • We do NOT offer personalized investment advice
  • We do NOT assess your financial situation or risk tolerance
  • Educational content is for informational purposes only
  • Analytics and insights are descriptive, not prescriptive

Educational Content Disclaimer:

Any educational articles, guides, or resources provided on our platform are for general information only and should NOT be construed as advice. Always conduct your own research and consult with licensed financial advisors before making any trading or investment decisions.

You are solely responsible for all trading decisions you make. TradeJournal does not influence, recommend, or guide your trading activities in any way.

Trading Risks and Warnings

⚠️ HIGH RISK WARNING

Trading forex, CFDs, stocks, cryptocurrencies, and other financial instruments involves substantial risk and may not be suitable for all investors. You can lose some or all of your invested capital.

Risks Include But Are Not Limited To:

  • Market Risk: Prices can move against you, resulting in losses
  • Leverage Risk: Magnified losses when trading with borrowed capital
  • Liquidity Risk: Inability to exit positions at desired prices
  • Volatility Risk: Rapid and unpredictable price movements
  • Currency Risk: Exchange rate fluctuations (especially for ZAR traders)
  • Counterparty Risk: Broker or exchange failure
  • Regulatory Risk: Changes in laws affecting your trading
  • Technology Risk: Platform outages or technical failures
  • Total Loss Risk: You may lose your entire investment

You Should Only Trade With Money You Can Afford to Lose

Never invest funds that you need for living expenses, emergency savings, or other essential purposes. Trading should be done with "risk capital" - money whose loss will not affect your lifestyle.

Past Performance Is Not Indicative of Future Results

Historical trading results, whether shown in our analytics, educational content, or your own journal, do NOT guarantee future performance. Market conditions change, and what worked in the past may not work in the future.

No Guarantees or Promises

We make NO guarantees, representations, or warranties about:

  • Trading profits or returns
  • Performance improvement or skill development
  • Success rates or win percentages
  • Accuracy of analytics or calculations
  • Suitability of any strategy or approach
  • Results you may achieve using our platform

Hypothetical Performance Disclaimer:

Any hypothetical or simulated performance results have inherent limitations. Unlike actual performance records, simulated results do not represent actual trading and may not reflect the impact of brokerage fees, slippage, or other real-world factors. No representation is made that any account will or is likely to achieve profits or losses similar to those shown.

Individual Results Vary: Your trading success depends on numerous factors including your skill, discipline, capital, market conditions, and many others beyond our control or influence.

Accuracy and Completeness of Information

While we strive to ensure information on our platform is accurate and up-to-date, we cannot guarantee:

  • 100% accuracy of calculations or analytics
  • Completeness of any information provided
  • Currency of educational content (markets evolve)
  • Freedom from errors, bugs, or technical issues

You are responsible for:

  • Verifying all data you enter into the platform
  • Confirming calculations before relying on them
  • Independently researching any information you find on our platform
  • Making your own informed decisions

Errors and Omissions:

Information on TradeJournal may contain technical inaccuracies or typographical errors. We reserve the right to correct any errors or omissions and to change or update information at any time without prior notice.

Third-Party Links and Content

Our platform may contain links to third-party websites, brokers, or services. These links are provided for convenience only.

  • We do NOT endorse or recommend any third-party services
  • We are NOT responsible for third-party content, practices, or policies
  • We do NOT verify the accuracy of third-party information
  • Links do NOT imply affiliation or partnership
  • You access third-party sites at your own risk

Broker Selection:

If we reference or link to brokers, this is NOT a recommendation. You are solely responsible for selecting a broker, verifying their regulatory status with the FSCA, and understanding their terms and conditions. Always ensure your broker is properly licensed and regulated in South Africa.

Limitation of Liability

To the maximum extent permitted by South African law:

We Are NOT Liable For:

  • Trading Losses: Any financial losses you incur from trading
  • Business Losses: Loss of profits, revenue, or business opportunities
  • Data Issues: Loss, corruption, or inaccuracy of data
  • Service Interruptions: Downtime, outages, or technical failures
  • Indirect Damages: Consequential, incidental, or punitive damages
  • Third-Party Actions: Actions of brokers, exchanges, or other third parties
  • Market Events: Losses due to market volatility or events

Maximum Liability:

Our total aggregate liability to you for any claims arising from your use of TradeJournal is limited to the amount you paid us in subscription fees during the 12 months immediately preceding the claim.

Nothing in this Disclaimer excludes liability that cannot be excluded under South African law, such as liability for death or personal injury caused by our negligence, or liability for fraud.

Seek Professional Advice

Before making any trading or investment decisions, you should consult with qualified professionals:

  • Financial Advisors: Licensed under FAIS Act and registered with the FSCA
  • Tax Advisors: For tax implications of trading (SARS compliance)
  • Legal Advisors: For legal considerations and regulatory compliance
  • Accountants: For record-keeping and financial reporting

Check FSCA Registration:

Verify any financial services provider's license status on the FSCA website: www.fsca.co.za

TradeJournal cannot and does not replace the services of licensed professionals. We provide tools; you need expertise.

Your Responsibilities

By using TradeJournal, you acknowledge and agree that:

  • You are solely responsible for all trading decisions
  • You have read and understood all risk warnings
  • You will not rely on our platform for financial advice
  • You will verify all information independently
  • You understand trading involves substantial risk
  • You will only trade with money you can afford to lose
  • You will comply with all applicable laws and regulations
  • You will use our platform for lawful purposes only
  • You accept full responsibility for your trading outcomes

Governing Law

This Disclaimer is governed by the laws of the Republic of South Africa, including:

  • Consumer Protection Act 68 of 2008
  • Electronic Communications and Transactions Act 25 of 2002
  • Protection of Personal Information Act 4 of 2013
  • Financial Advisory and Intermediary Services Act 37 of 2002

Any disputes arising from this Disclaimer or your use of TradeJournal shall be subject to the exclusive jurisdiction of the South African courts.

Questions or Concerns

If you have questions about this Disclaimer:

Tapnet (Pty) Ltd (Trading as TradeJournal)

Email: legal@tradejournal.co.za

Website: https://tradejournal.co.za

Acceptance:

By continuing to use TradeJournal, you acknowledge that you have read, understood, and agree to be bound by this Disclaimer. If you do not agree, you must immediately stop using our platform.

Chat with us