IOKI TERMS AND CONDITIONS

1. SUMMARY INTRODUCTION

1.1 This document, herein referred to as the Terms and Conditions of Use (TCU), constitutes a legally binding agreement that governs the provision of services and delineates the contractual relationship between the users (including, but not limited to, visitors, clients, and any entities) and the company, known as IOKI (hereinafter referred to as “the Company”). These TCU explicitly set forth the rights, obligations, and responsibilities of all parties who access, use, or otherwise engage with the services provided by the Company through its digital platforms, including the IOKI website and any associated services or functionalities. By accessing, utilizing, or engaging with the services offered by the Company, you, the user, hereby acknowledge, consent to, and agree to comply with all stipulations, conditions, and acknowledgments set forth in these TCU. This acceptance and agreement to the TCU are deemed effective upon your access or use of the Company’s services and extend to all users, visitors, and other individuals or entities who interact with the Company’s digital platforms and services in any capacity.

1.2 Upon your access to this website, it shall be presumed that you have accepted the Terms and Conditions of Use (TCU) herein outlined, that you have fully understood their content, and that you unequivocally agree to be bound by all terms and conditions contained within. It is incumbent upon you, the user, to immediately cease and desist from any further use of the services provided by this website should you find yourself in disagreement with, or unable to consent to, any provision, clause, or section contained within the TCU. This cessation requirement is mandated as a condition of your continued access and use of the services and reflects your acknowledgment of the binding nature of these terms as a prerequisite for such use. Your agreement to these terms is understood to be complete and unconditional, save www.ioki.co.za for instances of express non-consent as detailed herein, in which case the directive to discontinue use becomes immediate and mandatory.

1.3 The Institute of Key Individuals (hereinafter referred to as “IOKI”) is constituted and recognized as a Functional Specialization Firm, whose principal activities are directed towards the provision of educational and training initiatives specifically designed for Key Individuals (KIs). These educational initiatives are meticulously structured to potentially include the attainment of Continuous Professional Development (CPD) points, with such CPD points being obtainable through external organizations that possess the legal authorization and accreditation to confer these professional recognitions within the ambit of the broader professional community. Additionally, IOKI offers specialized recruitment services, thereby facilitating the placement and advancement of KIs in their respective fields. It is imperative to note, and hereby made expressly clear, that IOKI’s scope of services does not encompass the offering of financial advisory or intermediary services as defined under any applicable financial services legislation or regulatory framework. Furthermore, IOKI distinguishes itself as a premier convergence platform for Key Individuals, designed to foster a community where professionals can connect, engage, and benefit from shared knowledge and opportunities, thereby enhancing their professional journey and network within and beyond the confines of the Institution’s provided services.

1.4 The Institute of Key Individuals (IOKI) serves as a pivotal conduit between the era of rapid technological progression and the diverse spectrum of professional fields, by maintaining an up-to-date awareness of technological innovations that significantly influence the workplace environment. Leveraging its extensive internal resources, IOKI facilitates an immersive real-time insight into business www.ioki.co.za operations, thereby enabling informed and strategic decision-making processes. This proactive approach to integrating technology with professional practice underscores IOKI’s commitment to enhancing the adaptability and strategic acumen of professionals across various sectors, ensuring they remain at the forefront of industry standards and practices in an ever-evolving technological landscape.

1.5 As a Functional Specialization firm, IOKI delivers customized, tailormade business solutions through the engagement of professionals from a wide array of backgrounds and sectors. This diverse team includes Key Individuals (KIs), Compliance Officers, Chartered Financial Analysts (CFAs), Chartered Accountants (CAs), Certified Financial Planners (CFPs), Chartered Alternative Investment Analysts (CAIAs), Regulatory Accountants, Actuaries, Attorneys, Risk Analysts, Business Analysts, Business Consultants, Data Analysts, and Developers. This multidisciplinary approach ensures that IOKI’s services are both comprehensive and uniquely suited to address the specific needs of businesses, leveraging expert knowledge across various industries to provide strategic and operational excellence.

1.6 The Institute of Key Individuals (hereinafter referred to as “IOKI”) categorically denies any responsibility or liability for the consequences that may follow from the utilization of its educational content or consulting outputs. It is the sole duty of the individual, organization, or user (hereinafter referred to as “the User”) engaging with these educational or consulting provisions to ensure the accuracy and relevance of all information received from IOKI. This verification process should be conducted through consultation with, or confirmation from, a recognized and pertinent industry regulatory body or authority prior to acting upon such information in any operational, commercial, or other applied contexts. This measure emphasizes the necessity for the User to approach the www.ioki.co.za implementation of such information with rigorous scrutiny, absolving IOKI from any claims, damages, or repercussions that may ensue from actions taken without adequate validation from authorized industry figures or entities.

1.7 The Terms and Conditions of Use (TCU) set forth herein meticulously delineate the rights and duties incumbent upon users in relation to the services rendered by the Institute of Key Individuals (Pty) Ltd (hereinafter referred to as “IOKI”), a legally established entity duly authorized and registered in accordance with the legislative framework of the Republic of South Africa, bearing the Company Registration Number: 2019 / 445957 / 07. These terms serve as a binding legal agreement, governing the engagement between IOKI and its users, outlining the parameters of permissible use, the scope of services provided, and the respective obligations and entitlements of both IOKI and the users thereof. It is incumbent upon all users to thoroughly review, comprehend, and adhere to these terms, as their access to and use of IOKI’s services are contingent upon their unconditional acceptance and continuous compliance with all provisions, stipulations, and conditions as prescribed in the TCU, thereby constituting an integral component of the legal relationship established between IOKI and its users under the auspices of the governing laws of the Republic of South Africa.

1.8 By the act of registering on our website, or alternatively, in instances where registration is not a prerequisite for access but where you engage with or receive any form of service provided by the Institute of Key Individuals (IOKI), you, the user, are hereby entering into a legally binding contractual agreement with IOKI. This agreement is governed and articulated through the Terms and Conditions of Use (TCU) set forth by IOKI, which constitute a fundamental and inseparable component of the contractual relationship hereby www.ioki.co.za established between you and IOKI. The act of executing this agreement, manifested by your registration and/or continued utilization of the services offered through this site, serves as an unequivocal declaration of your full and unreserved acceptance of, and agreement to, the TCU as presented. It is imperative that you, the user, understand that your engagement with the services provided by IOKI, whether initiated through registration or receipt of services sans registration, implicates you in a commitment to adhere to, and be legally bound by, the stipulations, provisions, and obligations outlined within the TCU, thereby affirming the mutual understanding and consent that underpin the legal relationship forged between you and the Institute of Key Individuals through your actions of engagement with the services offered by IOKI.

2. LEGAL DISCLOSURES ON SERVICES

2.1IT IS HEREBY EXPRESSLY DECLARED AND EMPHASIZED FOR THE AVOIDANCE OF ANY DOUBT AND TO ENSURE CLARITY AMONG ALL PARTIES ENGAGED WITH OR CONTEMPLATING ENGAGEMENT WITH THE SERVICES PROVIDED BY THIS ENTITY, THAT SAID SERVICES ARE NOT TO BE CONSTRUED, INTERPRETED, OR RELIED UPON, IN ANY MANNER WHATSOEVER, AS CONSTITUTING THE PROVISION OF INVESTMENT ADVICE, FINANCIAL ADVICE, INTERMEDIARY SERVICES, ASSESSMENTS OF FINANCIAL SUITABILITY, RECOMMENDATIONS, OR GUIDANCE CONCERNING FINANCIAL PRODUCTS OR INSTRUMENTS. THIS DECLARATION IS MADE WITH THE INTENTION TO CATEGORICALLY DELINEATE THE NATURE AND SCOPE OF THE SERVICES OFFERED, ENSURING THAT USERS, POTENTIAL USERS, AND ANY OTHER PARTIES INTERACTING WITH THESE SERVICES FULLY COMPREHEND THAT THE ENTITY DOES NOT ENGAGE IN ACTIVITIES THAT WOULD REQUIRE REGULATION UNDER ANY FINANCIAL SERVICES OR SECURITIES LEGISLATION OR REGULATION, NOR DOES IT PURPORT TO PROVIDE EXPERTISE OR PROFESSIONAL ADVICE IN AREAS THAT NECESSITATE LICENSURE OR CERTIFICATION PERTAINING TO THE PROVISION OF FINANCIAL SERVICES, ADVICE, OR RECOMMENDATIONS REGARDING INVESTMENT DECISIONS OR FINANCIAL PLANNING. THE USERS OF THESE SERVICES SHOULD THEREFORE NOT CONSTRUE ANY CONTENT, INFORMATION, OR COMMUNICATION PROVIDED AS PART OF THESE SERVICES AS LEGAL, FINANCIAL, OR PROFESSIONAL ADVICE, AND ARE STRONGLY ENCOURAGED TO SEEK INDEPENDENT PROFESSIONAL ADVICE FROM LICENSED PRACTITIONERS IN RELEVANT FIELDS PRIOR TO MAKING ANY FINANCIAL DECISIONS BASED ON INFORMATION OBTAINED FROM THE SERVICES HEREIN DESCRIBED.

2.2 IT IS HEREIN FORMALLY ARTICULATED AND ESTABLISHED FOR THE PURPOSE OF UNEQUIVOCAL UNDERSTANDING AND TO PREEMPT ANY MISINTERPRETATIONS THAT MIGHT ARISE, THAT NO INDIVIDUAL OR COLLECTIVE ENTITY ASSOCIATED WITH, EMPLOYED BY, OR ACTING UNDER THE AUSPICES OF THE COMPANY—INCLUDING, BUT NOT LIMITED TO, ITS PERSONNEL, STAFF MEMBERS, EMPLOYEES, AGENTS, OR REPRESENTATIVES IN ANY CAPACITY—IS AUTHORIZED, SANCTIONED, OR IN ANY WAY PERMITTED TO ENGAGE IN THE PROVISION OF INVESTMENT ADVICE, TO OFFER GUIDANCE, PROPOSALS, OR TO MAKE RECOMMENDATIONS OF ANY NATURE CONCERNING FINANCIAL PRODUCTS OR INSTRUMENTS. THIS STIPULATION IS ENSHRINED WITHIN THE OPERATIONAL PARAMETERS AND ETHICAL GUIDELINES GOVERNING THE CONDUCT AND THE SCOPE OF SERVICES RENDERED BY THE COMPANY, TO UNDERSCORE AND ENSURE ADHERENCE TO REGULATORY COMPLIANCE AND TO MITIGATE THE RISK OF UNAUTHORIZED FINANCIAL ADVISORY PRACTICES. FURTHERMORE, THIS PROVISION SERVES TO DELINEATE THE BOUNDARIES OF SERVICE DELIVERY BY THE COMPANY, EMPHASIZING A CLEAR DEMARCATION BETWEEN THE ROLES AND RESPONSIBILITIES OF THE COMPANY’S AFFILIATES AND THE REALM OF REGULATED FINANCIAL ADVISORY SERVICES. AS SUCH, ALL PARTIES ENGAGING WITH THE COMPANY, ITS SERVICES, OR ITS REPRESENTATIVES SHOULD BE ACUTELY AWARE THAT ANY COMMUNICATIONS, INTERACTIONS, OR ENGAGEMENTS WITH COMPANY PERSONNEL SHOULD NOT BE INTERPRETED AS CARRYING FINANCIAL ADVISORY WEIGHT OR AUTHORITY. PARTIES SEEKING ADVICE, GUIDANCE, OR RECOMMENDATIONS ON FINANCIAL MATTERS ARE STRONGLY ADVISED TO CONSULT WITH LICENSED PROFESSIONALS WHO ARE EXPRESSLY AUTHORIZED TO PROVIDE SUCH SERVICES UNDER THE RELEVANT LEGAL AND REGULATORY FRAMEWORKS GOVERNING FINANCIAL ADVISORY PRACTICES. THIS PRECAUTIONARY MEASURE IS TAKEN TO PROTECT THE INTERESTS OF BOTH THE COMPANY AND ITS CLIENTELE, ENSURING CLARITY IN THE SCOPE OF SERVICES OFFERED AND PREVENTING ANY MISCONCEPTIONS REGARDING THE PROFESSIONAL CAPACITY IN WHICH THE COMPANY AND ITS ASSOCIATES OPERATE.

2.3 IN THE EVENT THAT ANY COMMUNICATION, UTTERANCE, OR REPRESENTATION MADE BY PERSONNEL, STAFF, EMPLOYEES, OR REPRESENTATIVES ASSOCIATED WITH THE INSTITUTE OF KEY INDIVIDUALS (IOKI) IS PERCEIVED OR INTERPRETED BY ANY PARTY AS CONSTITUTING INVESTMENT ADVICE, OFFERING GUIDANCE, OR PROVIDING RECOMMENDATIONS REGARDING FINANCIAL MATTERS, IT IS HEREBY CATEGORICALLY AND EXPLICITLY STATED BY IOKI THAT SUCH INTERPRETATIONS ARE ENTIRELY UNFOUNDED AND DO NOT REFLECT THE INTENTIONS OR POLICIES OF IOKI. THE ORGANIZATION UNEQUIVOCALLY DISAVOWS ANY SUCH MISINTERPRETATION AS BEING REPRESENTATIVE OF INVESTMENT ADVICE, GUIDANCE, PROPOSALS, OR RECOMMENDATIONS. CONSEQUENTLY, IOKI ASSERTS THAT IT WILL BEAR NO RESPONSIBILITY OR LIABILITY FOR ANY OUTCOMES, DECISIONS, OR ACTIONS TAKEN BY ANY INDIVIDUAL OR ENTITY ON THE BASIS OF SUCH MISPERCEIVED COMMUNICATIONS. THIS DECLARATION IS MADE WITH THE INTENT TO CLEARLY COMMUNICATE THE LIMITATIONS OF IOKI’S OFFERINGS AND TO FIRMLY ESTABLISH THE NON-ADVISORY NATURE OF ANY INFORMATION DISSEMINATED BY ITS REPRESENTATIVES. PARTIES ENGAGING WITH IOKI OR CONSIDERING ITS COMMUNICATIONS ARE STRONGLY ENCOURAGED TO SEEK INDEPENDENT PROFESSIONAL FINANCIAL ADVICE FROM DULY LICENSED OR AUTHORIZED INDIVIDUALS OR ENTITIES BEFORE MAKING ANY INVESTMENT DECISIONS. IOKI’S STANCE IS TO MAINTAIN A STRICT ADHERENCE TO REGULATORY COMPLIANCE AND TO ENSURE THAT ALL PARTIES ARE FULLY AWARE OF THE NATURE OF ITS SERVICES, THEREBY AVOIDING ANY POTENTIAL FOR MISUNDERSTANDING OR INCORRECT ASSUMPTIONS ABOUT THE SCOPE OF ADVICE OR GUIDANCE IT IS AUTHORIZED TO PROVIDE.

2.4 IN LIGHT OF THE AFOREMENTIONED CLARIFICATIONS, IT IS IMPERATIVE TO ASSERT THAT NONE OF THE SERVICES
EXTENDED TO YOU BY THE INSTITUTE OF KEY INDIVIDUALS (IOKI) SHALL BE INTERPRETED, DEEMED, OR CONSTRUED AS INVESTMENT SERVICES WITHIN THE CONTEXT OF APPLICABLE AND RELEVANT LEGAL FRAMEWORKS. THIS DECLARATION SERVES TO DELINEATE AND EMPHASIZE THE NATURE OF THE SERVICES RENDERED BY IOKI, ENSURING THAT ALL PARTIES ENGAGED OR CONTEMPLATING ENGAGEMENT WITH THESE SERVICES HAVE A CLEAR UNDERSTANDING THAT SUCH SERVICES DO NOT ENCOMPASS, IMPLY, OR ENTAIL THE OFFERING, PROVISION, OR DISSEMINATION OF INVESTMENT ADVICE, STRATEGIES, OR RECOMMENDATIONS AS DEFINED OR REGULATED UNDER ANY PERTINENT LAWS OR REGULATORY STATUTES. THIS EXPLICIT STATEMENT IS ISSUED TO PREVENT ANY MISAPPREHENSIONS OR ERRONEOUS ASSUMPTIONS REGARDING THE SCOPE AND INTENT OF THE SERVICES PROVIDED BY IOKI, AND TO UNDERSCORE THE ORGANIZATION’S COMPLIANCE WITH LEGAL AND REGULATORY STANDARDS GOVERNING THE PROVISION OF INVESTMENT SERVICES. CLIENTS AND USERS OF IOKI’S SERVICES ARE HEREBY ADVISED TO ACKNOWLEDGE AND ACCEPT THIS LIMITATION AS A FUNDAMENTAL ASPECT OF THEIR INTERACTION WITH IOKI, AND IF IN NEED OF INVESTMENT SERVICES, TO SEEK SUCH SERVICES FROM ENTITIES DULY AUTHORIZED AND LICENSED TO PROVIDE THEM IN ACCORDANCE WITH THE REGULATORY REQUIREMENTS AND STATUTES IN FORCE.

2.5 THE INSTITUTE OF KEY INDIVIDUALS (IOKI) EXPRESSLY STATES THAT IT DOES NOT PROVIDE SERVICES TO YOU THAT ENCOMPASS OR RESEMBLE THE OFFERING OF GUIDANCE, DIRECTIVES, INSTRUCTIONS, ADVICE, OR INFORMATION CONCERNING THE MANNER OR METHODS IN WHICH TRANSACTIONS OF A FINANCIAL NATURE SHOULD BE CONDUCTED, NOR DOES IT DISSEMINATE ANY MATERIAL AKIN TO SUCH CONTENT. FURTHERMORE, IOKI DISTINCTLY CLARIFIES THAT IT DOES NOT RECOGNIZE OR ACCEPT ANY SUBMISSIONS OR COMMUNICATIONS FROM YOU THAT COULD BE INTERPRETED AS CONTAINING GUIDANCE, DIRECTIVES, ADVICE, INSTRUCTIONS, OR INFORMATION OF A SIMILAR NATURE. THIS EXPLICIT DELINEATION IS MADE TO UNEQUIVOCALLY AFFIRM THE NON-ADVISORY SCOPE OF IOKI’S SERVICES AND TO PREVENT ANY POTENTIAL MISUNDERSTANDING REGARDING THE NATURE OF THE INTERACTION AND EXCHANGE OF INFORMATION BETWEEN IOKI AND YOU. IT UNDERSCORES IOKI’S POLICY OF MAINTAINING A CLEAR BOUNDARY BETWEEN ITS OPERATIONAL ACTIVITIES AND THE PROVISION OR EXCHANGE OF ADVISORY CONTENT, IN ALIGNMENT WITH REGULATORY GUIDELINES AND THE ORGANIZATION’S COMMITMENT TO ETHICAL STANDARDS. CLIENTS AND USERS ARE THUS ADVISED TO SEEK FINANCIAL ADVICE, DIRECTIVES, AND INSTRUCTIONS FROM DULY LICENSED PROFESSIONALS OR ENTITIES THAT SPECIALIZE IN SUCH ADVISORY SERVICES, ENSURING COMPLIANCE WITH LEGAL AND REGULATORY REQUIREMENTS APPLICABLE TO FINANCIAL TRANSACTIONS AND ACTIVITIES.

3. INFORMATION DATA AND TAX

3.1 It is incumbent upon you, the user, to ensure that any information you furnish to the Institute of Key Individuals (IOKI) through the registration order form, the Client Portal, or via any other medium or method, is comprehensive, accurate, and current. You bear the sole responsibility for promptly informing us of any alterations to your previously submitted data or for updating such data directly within your Client Portal. This requirement underscores the user’s obligation to maintain the integrity and currency of all information provided to IOKI. While the user is held accountable for the veracity and recency of their submitted data, IOKI, on the other www.ioki.co.za hand, does not bear the duty to verify or validate the information provided by the user. This provision is established to clarify the roles and responsibilities regarding data submission and accuracy, with the user being explicitly tasked with ensuring that all data shared with IOKI reflects their current and true state of affairs, albeit without imposing an obligation on IOKI to undertake the confirmation or corroboration of such data.

3.2 In order to initiate an order for the services of your choosing, it is requisite for you to complete and submit the relevant form. Upon receipt of your form submission, the Institute of Key Individuals (IOKI) commits to validating and acknowledging the reception of your order via email to your designated email address within a period not exceeding 48 hours. It is hereby stipulated that all agreements pertaining to the provision of services are to be concluded exclusively in the English language. Furthermore, IOKI shall maintain and preserve records of such agreements in electronic form or any other format deemed appropriate, ensuring their integrity and confidentiality. Access to these archived agreements will be strictly limited, only to be granted in instances where disclosure is compelled by applicable statutory regulations or other relevant legal obligations. This clause serves to clarify the procedural aspects related to service order submissions, the language of agreement, and the policies governing the archival and accessibility of agreements, aligning with IOKI’s commitment to transparency, legal compliance, and the protection of client information.

3.3 Data that is inputted into the registration form is subject to review, verification, correction, and modification in accordance with the required procedures for ordering services. This process ensures that all information provided during registration aligns accurately with the services requested. It grants users the opportunity to scrutinize and adjust their submitted data to ensure compliance and accuracy before finalizing their service order. This mechanism is designed to uphold data integrity and to facilitate a seamless and error-free order process, enabling users to confidently proceed with their service requests under the assurance that their information is correct and reflective of their needs.

3.4 The services rendered by us are comprehensive of all applicable taxes, irrespective of whether the user is an individual (natural person) or a corporate entity. It is the responsibility of each user www.ioki.co.za to adhere to and fulfill their respective tax obligations arising from the utilization of our services, in alignment with the prevailing laws and regulations. Should there arise any tax liabilities or fees as mandated by law, it is incumbent upon the user to ensure the timely and accurate payment of such taxes or fees. This stipulation is designed to clarify the inclusive nature of our pricing structure regarding taxes, while simultaneously emphasizing the user’s duty to comply with all tax-related requirements as dictated by applicable legal frameworks. This ensures that all parties remain in good standing with regard to their fiscal responsibilities while engaging with the services provided.

4. PAYMENT METHODS

Outlined below are the accepted methods for conducting transactions with the Institute of Key Individuals (IOKI). Any service-related fees must be remitted to the INSTITUTE OF KEY INDIVIDUALS (PTY) LTD either through bank transfer or via alternative payment methods that are currently made available on the IOKI Website.

4.1 In instances where payment is effected through a payment card or any other immediate payment mechanism, such payment is required to be executed promptly. Should you opt for the bank transfer method, you will be issued a proforma invoice in a digital, electronic format, detailing the applicable fees for the services selected from the INSTITUTE OF KEY INDIVIDUALS on the Website.

4.2 It is your obligation to ensure the payment of the specified amount within the timeframe delineated in the proforma invoice. The fee is deemed to be paid only upon the full amount being successfully credited to the account of IOKI. Failure to remit payment within the stipulated period grants IOKI the right to annul your service order.

4.3 The user is responsible for bearing any fees incurred from the chosen payment service provider, in accordance with the prevailing rate list for payment services as specified by IOKI, in relation to the transaction conducted for the services requested and as outlined in the Fees. This includes all charges levied by the payment service provider for facilitating the transaction

5. FEES

IOKI explicitly retains the authority to modify, at its sole discretion, the fees and the specific conditions or parameters related to the provision of services, including but not limited to the criteria necessary for their deemed successful completion, at any given moment. Such amendments may encompass adjustments in pricing, service delivery conditions, or any other aspect deemed relevant by IOKI. It is important to note, however, that any changes implemented will not retrospectively affect services that were purchased or agreements that were entered into prior to the issuance and notification of said changes to the User. This provision ensures that services acquired before any alterations will be honored under the conditions and fees that were in effect at the time of purchase, thereby safeguarding the interests and expectations of the User based on the initial terms of service engagement.

5.1 The terms herein articulated delineate the framework encompassing the offer, acceptance, and requisite consideration of payment, which collectively facilitate the initiation and execution of the assistance provided by us to the User. This framework is meticulously designed to cater to the User’s requirements with the utmost specificity and appropriateness, directly aligning with the fulfillment of the User’s needs concerning the services as explicitly outlined by the Company. The entire process and engagement are conducted in strict adherence to, and are governed by, the applicable laws and regulatory stipulations of the jurisdiction or authority under which the Company operates. This ensures that all interactions, transactions, and service provisions are executed within the legal confines and are subject to the prevailing legal standards and requirements, thereby safeguarding the interests and ensuring the rights of both the User and the Company throughout the service delivery process.

5.2 All fees pertaining to consultancy services are to be directly credited to the designated bank account of the Institute of Key Individuals (IOKI), details of which will be furnished to the Client at the time of invoice issuance. Should the Client not maintain a pre-existing affiliation or contractual relationship with IOKI, the fees for consultancy services will be levied on an hourly basis. The specific hourly rate applied will be determined by the nature and complexity of the services requested by the Client. This provision ensures a transparent and equitable financial arrangement, allowing for the adjustment of consultancy fees in accordance with the depth and breadth of expertise required to fulfill the Client’s service requests effectively and efficiently. www.ioki.co.za

5.3 At its discretion, the Institute of Key Individuals (IOKI) reserves the right to offer an initial consultation at no charge. This complimentary consultation is subject to IOKI’s determination and will be clearly communicated to the prospective client prior to the scheduling of the consultation session. This provision allows IOKI the flexibility to introduce its services to potential clients in a manner that facilitates informed decision-making by providing an opportunity to engage with IOKI’s expertise without immediate financial commitment. The decision to offer such a consultation is made on a case-by-case basis and reflects IOKI’s commitment to client service and satisfaction.

5.4 Given the unique nature of each client’s requirements and preferences, the Institute of Key Individuals (IOKI) does not adhere to a standardized fee or cost structure. Instead, all quotations are tailored to accommodate the specific specifications and requests outlined by the individual client. This bespoke approach ensures that the pricing offered by IOKI accurately reflects the scope, complexity, and desired outcomes of the services requested by the client. By providing personalized quotes aligned with the client’s distinct needs, IOKI endeavors to foster a transparent and collaborative relationship, thereby facilitating a more precise and satisfactory service delivery experience for all parties involved.

6. REQUEST OF SERVICES

To request our services, you may place an order via our website by completing the online form. Upon receipt, we will either email you the invoice details or offer an orientation session, depending on the nature of your request.

The functional services provided by IOKI encompass:

6.1 Outsourced Key Individuals/Responsible Officers

6.1.1 At IOKI, we offer KI-specific accredited training programs that provide CPD points, facilitated by our affiliated Compliance functions and Professional Bodies.

6.1.2 Our array of recognized accredited training initiatives is complemented by CPD points, ensuring comprehensive professional development opportunities. www.ioki.co.za

6.1.3 Through our specialized recruitment services, we connect KI’s with various educational structures, services, and support systems provided by accredited professional bodies and compliance functions.

6.1.4 IOKI serves as a dynamic engagement platform, fostering connections between Key Individuals and a diverse range of professionals and entities seeking their expertise and services.

6.2 Key Individual Valuation Assessment (KIVA) Certificate.

6.2.1 The KIVA certificate is an offering provided by IOKI subsequent to undergoing the Key Individual Valuation assessment. This assessment is conducted utilizing our internal psychometric tests, personal qualifications, and specific criteria, including the Key Individual valuation Matrix. 6.3 Business Valuations and Project Management.

6.3.1 The services encompassing business valuations and project management, facilitated by the utilization of business intelligence tools, are offered by IOKI within the parameters of applicable laws and regulations. These services are meticulously designed to assist clients in achieving their targeted goals through comprehensive analysis, strategic planning, and efficient project execution.

6.3.2 The process of business valuation involves the meticulous assessment and analysis of various factors impacting the financial worth and viability of a business entity. This assessment is conducted utilizing industry-standard methodologies, taking into account factors such as financial performance, market conditions, industry trends, and strategic positioning. The resultant valuation provides clients with valuable insights into the true value of their business, aiding in decision-making processes related to mergers and acquisitions, financing, and strategic planning.

6.3.3 Additionally, our project management services are aimed at facilitating the successful planning, execution, and completion of various projects undertaken by our clients. Leveraging business intelligence tools, we employ data-driven insights to optimize www.ioki.co.za project workflows, mitigate risks, and maximize efficiency. Our team of experienced project managers works closely with clients to define project objectives, develop comprehensive project plans, allocate resources efficiently, and monitor progress closely to ensure timely delivery of project outcomes.

6.3.4 It is imperative to note that while IOKI strives to provide accurate and reliable business valuations and project management services, the ultimate outcome and success of these endeavors are subject to various external factors beyond our control. Therefore, clients are encouraged to exercise due diligence and seek independent professional advice before making any significant business decisions based on the information or recommendations provided by IOKI.

6.4 Company Structurisation and Policy Formulation.

6.4.1 IOKI offers comprehensive services in company structurisation, encompassing the establishment of organizational frameworks from the board level down to individual departments and operational floors. This process is initiated following a thorough organizational synopsis, which delves into the core ethos and values of the company.

6.4.2 Our approach to company structurisation involves a meticulous examination of existing organizational hierarchies, workflows, and communication channels. By conducting a detailed analysis of the company ethos, we ensure that the proposed structural changes are aligned with the overarching mission, vision, and values of the organization.

6.4.3 Furthermore, our services extend to the formulation of internal policies and procedures aimed at fostering a conducive work environment and ensuring compliance with regulatory requirements. These policies are tailored to address specific organizational needs and challenges while promoting transparency, accountability, and ethical conduct across all levels of the company.

6.4.4 It is important to note that the process of company structurisation and policy formulation requires collaboration and input from key www.ioki.co.za stakeholders within the organization. Our team works closely with company leadership, department heads, and employees to develop structures and policies that reflect the collective goals and aspirations of the organization. Through this collaborative approach, we strive to create a cohesive and efficient organizational framework that supports sustainable growth and success.

6.5 Affiliation Benefits with IOKI.

6.5.1 By affiliating with IOKI, clients gain access to a range of exclusive benefits, including discounts on outsourced services provided by industry specialists. These services cover a diverse spectrum, including payroll management, accounting services, tax consulting, compliance solutions, and access to professional bodies.

6.5.2 Our partnerships with industry specialists enable us to negotiate preferential rates and terms for our clients, ensuring cost-effective solutions without compromising on quality or reliability. Whether it’s managing payroll, navigating complex tax regulations, or ensuring compliance with industry standards, our affiliated service providers offer expertise and support tailored to the unique needs of each client.

6.5.3 Additionally, clients benefit from access to factual regulatory data pertaining to various industries and jurisdictions, helping them stay informed and compliant with evolving regulatory requirements. This access to up-to-date information empowers clients to make informed decisions and navigate regulatory landscapes with confidence.

6.5.4 It is important to note that while IOKI strives to secure the best possible deals and discounts for its clients, the ultimate selection and engagement of outsourced services remain at the discretion of the client. Our role is to facilitate connections and provide direction where needed, ensuring that clients receive the support and resources necessary to achieve their business objectives.

6.6 Factual advice in respect to the following: – www.ioki.co.za

6.6.1 On the procedure for entering into agreements, contracts and understanding of the regulatory environment in which a business operates in.
6.6.2 On the Identification of real time business trends through existing data from operations of the Organisation.

6.6.3 Providing bespoke structuring at any level of the organisation for organisational efficiency and optimisation to make informed decisions in real time using business intelligence tools.

6.6.4 On understanding your data and interpreting it through smart charts as key to successful strategic decision making. This enables you to make effective contingency plans in all scenarios by predicting and prohibiting negative consequences or planning to meet targeted goals.

6.6.5 In the use of complex data mining and data reporting which enables one to provide you with the correct information for desired outcomes.

6.6.6 Make use of AI in conjunction with the ever-changing various operating systems (Linux, Windows, Apple) to bring together the worlds of Data and Artificial Intelligence and human beings.

6.6.7 In answering to routine administrative queries using robotic process automation and business intelligence.

6.6.8 In the form of objective information about Country trends, Company trends, industry trends, sales trends, sales funnels, demand creation models.

6.6.9 In report analysis without any express or implied recommendation, guidance or proposal to a Financial related transaction. Report Analysis pertains to impartial assessments of a report with regards to a factual statistical report, business analysis report, website analytical report, SEO report among others which can be used in reaching an informed adjudication through, automation, artificial and business intelligence by viewing the data in real time.

7. COMMUNICATION

7.1 Communication Channels

7.1.1All communication with IOKI should adhere to the specified channels outlined in this document or as available on the company website. Exceptions to this rule may be granted only with explicit authorization, or if correspondence originates from internal company email addresses sharing the same domain.

7.1.2 Our designated contact email address for inquiries and communication is admin@ioki.co.za. Users are encouraged to utilize this email address for correspondence related to our services.

7.2 Communication Acceptance

7.2.1 By engaging with IOKI’s services, you acknowledge and accept that all communication pertaining to the provision of services will occur through the Online Portal or via the email address associated with your registration or correspondence with us.

7.2.2 This ensures that important communications regarding service provision, updates, and inquiries are transmitted through secure and traceable channels, facilitating efficient and effective interaction between clients and IOKI or its partners.

8. COMPANY SERVICES, WEBSITE AND OTHER CONTENT

8.1 The Website and all Services, inclusive of the Client Portal, along with their visual presentation, applications, data, material, information, multimedia elements such as texts, drawings, graphics, design, logo, icons, images, audio and video samples, and any other content that collectively forms the Website and the Services (hereinafter referred to as the “Content”), are subject to stringent legal protection under copyright law and other pertinent legal regulations. These assets are the exclusive property of IOKI or its Partners, and any unauthorized use, reproduction, distribution, or modification of the Content is strictly prohibited and may result in legal action.

8.2 IOKI hereby grants you a limited, non-exclusive, non transferable, non-assignable, non-sub licensable, and revocable permission to utilize the Content solely for the purpose of accessing and using the services for personal use and in accordance with the intended purpose for which the services are provided. This permission does not confer any rights beyond those expressly stated herein and may be revoked by IOKI at any time without prior notice.

8.3 You acknowledge and agree that the Content provided to you through the services is not sold or otherwise transferred to you, and shall at all times remain the exclusive property of IOKI or its Partners. You are granted a limited right to access and use the Content in accordance with the terms outlined herein, but no ownership interest or intellectual property rights are transferred to you as a result of such access or use.

8.4 You understand and acknowledge that all trademarks, logos, trade names, and other designations displayed on the website or within the services are the exclusive property of IOKI or its Partners. You are not granted any authorization or license to use, reproduce, or modify these trademarks, logos, trade names, or other designations without the express written consent of IOKI or its Partners. www.ioki.co.za

8.5 Both IOKI and its Partners agree to conduct themselves in accordance with the principles of fair dealing during the performance of the agreement and in all mutual communications, and not to engage in any actions that may damage the good reputation or legitimate interests of the other party. In the event of any disagreements or disputes between the User and IOKI, both parties agree to resolve them in accordance with the Terms and Conditions of Use and the applicable laws.

8.6 Except for the rights explicitly delineated in the Terms and Conditions of Use, IOKI does not confer upon you any additional rights pertaining to the services and other content provided. You are solely permitted to utilize the Services and other content in accordance with the provisions outlined in the Terms and Conditions of Use.

8.7 When accessing the Services and other Content, the following activities are strictly prohibited:

8.7.1 Using any tools intended to disrupt the functionality of the Website and Services or exploit errors, bugs, or other vulnerabilities of the Website and Services.

8.7.2 Circumventing geographical restrictions or any other technical limitations on accessibility.

8.7.3 Creating copies or backups of the Website and other content without proper authorization.

8.7.4 Engaging in reverse-engineering, decompiling, disassembling, or otherwise altering the Website and other content.

8.7.5 Selling, renting, lending, licensing, distributing, reproducing, duplicating, broadcasting, streaming, or otherwise using the services or other content in a manner not expressly permitted.

8.7.6 Employing automated means to access, view, or collect information from the Website or Services. www.ioki.co.za

8.7.7 Using any tools or methods that may cause harm to IOKI or its operations.

9. LINKS TO OTHER WEBSITES, DOMAINS, OR SITES

9.1.1 Our website may contain hyperlinks to external websites for the convenience and reference of our users. However, it is important to note that Institute of Key Individuals (Pty) Ltd (“IOKI”) assumes no liability or responsibility for the practices or privacy policies of these external sites.

9.1.2 Users are hereby advised to exercise caution and discretion when navigating to external websites linked from our platform. We strongly encourage users to review and familiarize themselves with the privacy statements and policies of each website they visit, particularly those that collect personally identifiable information.

9.1.3 This privacy disclaimer serves to notify users that the privacy practices and policies of external websites are beyond the control and jurisdiction of IOKI. As such, any interaction or engagement with these external sites is subject to their respective terms and conditions, privacy policies, and data handling practices.

9.1.4 It is reiterated that this privacy statement issued by IOKI pertains solely to the information collected and processed by our website. Users are directed to refer to our comprehensive Privacy Policy, accessible on our website, for detailed information regarding the collection, use, and protection of personal data within the scope of our services.

9.1.5 By accessing and using our website, users implicitly acknowledge and accept the terms of this privacy disclaimer, understanding that IOKI assumes no responsibility for the privacy practices of external websites linked from our platform.

10. WEBSITE DISCLAIMER:

10.1 Recommendation Disclaimer

10.1.1 The content presented on this website should not, under any circumstances, be construed as recommendations of a financial nature unless explicitly stated. This includes, but is not limited to, general recommendations, investment recommendations, business recommendations, opportunities, or analyses that may lead to the purchase of a financial product. Additionally, no related guidance, advice, or financial intermediary services are provided in relation to the trading of financial or investment instruments.

10.2 Purpose of Content

10.2.1 The material and information provided on this site are intended exclusively for consultation, education, study, or learning purposes. Users are encouraged to utilize the content for informational and educational purposes only and should not interpret it as financial advice or guidance.

10.3 Jurisdictional Compliance

10.3.1 The material presented on this site is not intended for individuals residing in jurisdictions or countries with laws, regulations, or legislation that conflict with the content provided herein, especially regarding financial matters. It is the responsibility of users to ensure compliance with local laws and regulations governing financial services and investments.

10.3.2 Please note that Institute of Key Individuals (Pty) Ltd (“IOKI”) is not a financial services provider, investment company, or broker. We do not engage in the acceptance of client deposits, nor do we offer financial services or investment advice. Users are advised to seek independent financial advice or consult with a qualified professional before making any financial decisions.

11. IOKI DISCLAIMER

11.1 Institute of Key Individuals (Pty) Ltd, its partners, agents, or representatives shall not be held liable for any damage, loss, or liability arising from the use or inability to use this website or the services or content provided from and through this website.

11.2 Information, ideas, and opinions expressed on this site should not be regarded as binding advice or the official opinion of IOKI. Users are encouraged to verify information, ideas, or opinions before taking any course of action.

11.3 IOKI will continue to take reasonable care to ensure that all information, within its control, provided on this website is true and correct.

11.4 IOKI disclaims any liability for any loss, liability, damage (whether direct or consequential), or expense of any nature whatsoever which may be suffered because of, or which may be attributable, directly or indirectly, to the use of or reliance upon any information, links, or service provided through this website.

11.5 There is no warranty of any kind, expressed or implied, regarding the information or any aspect of this service. Any warranty implied by law is hereby excluded except to the extent such exclusion would be unlawful

12. GLOSSARY OF TERMS

12.1 IOKI: Institute of Key Individuals

12.2 TCU: Terms and Conditions of Use

12.3 KIVA: Key Individual Valuation Assessment Certificate

12.4 CPD: Continuous Professional Development

12.5 SAQA: South African Qualifications Authority

12.6 KI: Key Individual

12.7 CO: Compliance Officer

12.8 RO: Responsible Officer

12.9 CA: Chartered Accountant

12.10 CFA: Chartered Financial Analyst

12.11 CFP: Certified Financial Planner

12.12 CAIA: Chartered Alternative Investment Analyst

12.13 BI: Business Intelligence

12.14 AI: Artificial Intelligence

12.15 IOKI Client: Refers to all institutional and natural person clients associated with the Institute of Key Individuals.

12.16 FSCA: Financial Sector Conduct Authority

12.17 FMA: Financial Markets Act

12.18 FAIS: Financial Advisory and Intermediary Services Act

12.19 NCR: National Credit Regulator

12.20 FSB: Financial Services Board (Note: This has been replaced by the FSCA)

12.21 JSE: Johannesburg Stock Exchange

12.22 SARB: South African Reserve Bank

12.23 BASA: Banking Association South Africa

12.24 IRBA: Independent Regulatory Board for Auditors

12.25 CIPC: Companies and Intellectual Property Commission www.ioki.co.za

12.26 PASA: Payments Association of South Africa

12.27 FSRA: Financial Sector Regulation Act

12.28 POPIA: Protection of Personal Information Act

12.29 FICA: Financial Intelligence Centre Act

12.30 NCA: National Credit Act

12.31 SARS: South African Revenue Service

12.32 CIDB: Construction Industry Development Board

12.33 SANAS: South African National Accreditation System

12.34 FAIS Ombud: Financial Advisory and Intermediary Services Ombudsman

12.35 PAIA: Promotion of Access to Information Act

12.36 BBBEE: Broad-Based Black Economic Empowerment

12.37 DTI: Department of Trade and Industry

12.38 UIF: Unemployment Insurance Fund

12.39 CCMA: Commission for Conciliation, Mediation, and Arbitration

12.40 COSATU: Congress of South African Trade Unions

12.41 NEDLAC: National Economic Development and Labour Council

12.42 GEPF: Government Employees Pension Fund

12.43 PIC: Public Investment Corporation

12.44 SAICA: South African Institute of Chartered Accountants

12.45 AGSA: Auditor-General of South Africa

12.46 NPC: National Planning Commission

12.47 NYDA: National Youth Development Agency

12.48 B-BBEE Commission: Broad-Based Black Economic Empowerment Commission

12.49 SAIFM: South African Institute of Financial Markets

12.50 SAIBA: South African Institute of Business Accountants