Policies & Security

TERMS OF USE

These Terms of Use govern access to and use of the EconomicLab website, content, digital services and associated features.

EconomicLab is a financial markets research and insights platform providing market information, economic data, financial-market research, analysis, commentary and educational content relating to global financial markets.

1. Introduction

These Terms of Use apply to your access to and use of the EconomicLab website and associated digital services. They should be read together with the Privacy Policy, Cookies Policy and Disclaimer.

2. Acceptance of These Terms

By accessing or using the EconomicLab website, you agree to be bound by these Terms of Use and applicable laws. If you do not agree with them, please discontinue use of the website.

3. Eligibility and Use of the Website

You may use the website only where you are legally able to do so and in accordance with these Terms. You are responsible for ensuring that your use is lawful in the jurisdiction where you access the website.

4. Description of EconomicLab Services

EconomicLab provides financial-market research, market information, economic data, analysis, commentary, educational material and related digital features. The website is an information and research platform and is not presented as a brokerage, investment-management or advisory service.

5. Permitted Use

You may access and use the website for personal, lawful and informational purposes. You may link to publicly available pages and quote limited portions of content where permitted by law, provided that the source is acknowledged and the use does not misrepresent EconomicLab or imply endorsement.

6. Prohibited Use

You must not use the website for unlawful purposes, to damage or disrupt services, circumvent security controls, interfere with other users, attempt unauthorised access, introduce malicious code, commit fraud, abuse website functionality, misuse EconomicLab intellectual property, or conduct automated access or systematic extraction where prohibited by applicable law or stated restrictions.

7. Intellectual Property Rights

EconomicLab owns or has appropriate rights to its website design, branding, logos, trademarks, original articles, research, commentary, graphics, written content, software or code where applicable, and other original materials. Third-party data, marks and materials remain the property of their respective owners. Your access does not transfer ownership or grant rights beyond lawful personal use.

8. EconomicLab Content and Research

EconomicLab publishes financial-market research, market commentary, economic information, market analysis, educational material, financial-market news and market observations. Content represents information or analysis available at the time of publication and may change without notice. It is not personalised advice.

9. Market Data and Financial Information

Market prices, economic indicators, financial data and other market information may be delayed, indicative, subject to revision, incomplete, supplied by third parties or temporarily unavailable. Information may differ from prices available on an exchange, through a broker or on a trading platform.

10. No Financial, Investment, Legal or Tax Advice

EconomicLab does not provide individualized investment, financial, trading, portfolio-management, legal, tax or accounting advice unless expressly stated otherwise and legally authorised to do so. Users are responsible for their own decisions and should obtain appropriately qualified professional advice where appropriate.

11. Investment and Trading Risks

Financial markets involve substantial risk, and users may lose some or all of their capital. Forex, CFDs, equities, indices, commodities, digital assets, interest-rate-sensitive instruments and other financial instruments may be volatile or leveraged. EconomicLab does not promise returns or imply that any product or strategy is suitable for a user.

12. Third-Party Websites, Products and Services

EconomicLab may link to or reference external services, financial institutions, brokers, exchanges, data providers and other third parties. They operate independently, and users should review their terms and policies. To the extent permitted by applicable law, EconomicLab is not responsible for third-party content or services it does not control.

13. Advertising and Affiliate Relationships

Some pages may contain advertising, promotional or affiliate links. The broker comparison page states that EconomicLab may receive compensation when users visit or open an account with some brokers through links on that page. Compensation does not guarantee suitability, quality or performance, and users should make their own assessment.

14. User-Submitted Content and Communications

The current contact form states that it is for demonstration purposes and does not submit data anywhere yet. If you communicate with EconomicLab through a feature that accepts a message, you are responsible for providing information that is lawful, accurate and respectful and for having the necessary rights in anything you submit. Do not submit confidential information unless it is requested through an appropriate channel.

15. Accuracy and Availability of the Website

EconomicLab aims to present useful information and maintain a reliable website but does not guarantee that the website or its content will be uninterrupted, error-free, complete, current or suitable for every purpose.

16. Website Changes and Service Availability

The website may be updated, modified, suspended or temporarily unavailable because of maintenance, technical failures, security requirements or third-party service interruptions. EconomicLab may change or discontinue features where reasonably necessary for operational, legal or technical reasons.

17. Accounts and Subscriptions, Where Applicable

The current website does not provide an active account-registration or paid-subscription service. Newsletter forms appear on some pages but do not identify a connected submission service. If accounts or subscriptions are introduced, additional terms may apply and will be presented where appropriate.

18. Privacy and Personal Information

Personal information is handled in accordance with the EconomicLab Privacy Policy and applicable privacy laws. The Privacy Policy explains relevant information-handling practices without being duplicated in these Terms.

19. Cookies

Cookies and similar technologies are addressed in the separate EconomicLab Cookies Policy. That policy explains the relevant technologies and available browser controls.

20. Disclaimers

The EconomicLab Disclaimer forms part of the framework governing use of the website and explains the limits of reliance on market information, research, commentary and educational content.

21. Limitation of Liability

To the maximum extent permitted by applicable law, EconomicLab does not guarantee the accuracy, completeness, timeliness, availability, suitability or reliability of all website information and is not responsible for losses arising from use of or reliance on the website. Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited, including mandatory consumer-protection rights.

22. Indemnification

To the extent permitted by applicable law, you may be responsible for reasonable claims, losses, liabilities and costs arising from your unlawful use of the website, violation of these Terms, infringement of third-party rights or misuse of EconomicLab services. This provision is subject to applicable legal limits.

23. Suspension and Termination

EconomicLab may restrict or suspend access where reasonably necessary because of abuse, security threats, illegal activity, a material violation of these Terms, or operational and technical requirements. Where appropriate, EconomicLab will seek to act proportionately and restore access when the relevant issue is resolved.

24. Governing Law and Jurisdiction

These Terms are intended to be governed by the laws of South Africa, subject to applicable mandatory laws and jurisdictional requirements. Any dispute should first be raised through the Contact page so that it can be considered constructively.

25. Changes to These Terms

These Terms may be updated when the website, services, legal requirements or information practices change. The latest version will be posted at this URL with the applicable last-updated date. Continued use after an update may indicate acceptance of the revised Terms, to the extent permitted by law.

26. Severability

If a provision of these Terms is found to be unlawful, invalid or unenforceable, it will be applied to the maximum extent permitted and the remaining provisions will continue to operate.

27. Entire Agreement

These Terms, together with the referenced Privacy Policy, Cookies Policy and Disclaimer, represent the terms governing ordinary use of the website, subject to any additional terms expressly presented for a particular service.

28. Contact Information

For questions about these Terms, please use the existing EconomicLab Contact page. No separate legal contact, physical address or regulatory registration is represented by this page.

29. Effective Date / Last Updated

Effective Date: 19 August 2026

Last Updated: 19 August 2026

These Terms should be read with applicable South African legal principles, including where relevant the Electronic Communications and Transactions Act 25 of 2002, Consumer Protection Act 68 of 2008 and Protection of Personal Information Act 4 of 2013. No compliance status is represented solely by this reference.