This website serves as a guide only.  The information on the website is not intended to be, and must not be regarded as, financial advice or advice as defined in the Financial Advice and Intermediary Services Act (37 of 2002).  The editors, The Hospitality and General Provident Fund (the ‘Hospitality and General Provident Fund’), the Hospitality and General Provident Fund’s Trustees, the Principal Officer and staff of the Hospitality and General Provident Fund, together with the Hospitality and General Provident Fund’s service providers, shall not be liable for any loss or harm or damage which may be suffered by any person as a result of the use or reliance upon the information presented herein.  In the event of any discrepancy between the information on the website and either the registered Hospitality and General Provident Fund's rules or the Hospitality and General Provident Fund’s Insurance Policies, the Rules and Policies will prevail.  The Pension Funds Act 25 of 1956 overrides all Rules and Insurance Policies.
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Calculators
Whilst care has been taken in the compilation of this website, the editors and publishers do not accept responsibility for any loss or damage that may be sustained as a result of reliance by any person on the information contained herein. No information contained herein constitutes an offer for sale of any service or product and is also not financial or investment advice. No warranty is provided that the information is appropriate or suitable for any particular purpose, or that it is complete or accurate. In the case of any discrepancies, the rules of your Fund shall prevail.

Legal Disclaimers Retirement
Investment is a complex area and every attempt has been made to simplify this guide for ease of understanding. This may result in some areas being covered in relatively little detail. Users of this website should note that:
•    Past investment performance is not necessarily a guide to future investment performance. The statistics shown in the guide are based on past performance; 
•    The information contained in this guide does not constitute advice by either the Board, nor its advisors; and 
•    Members may need to seek expert financial advice before making an investment decision.

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