1. Acceptance of Terms

By accessing and using the services provided by FinClarity ("we," "our," or "us"), you agree to be bound by these Terms & Conditions. If you do not agree to these terms, please do not use our services.

2. Services Description

FinClarity provides financial organization services designed to help individuals organize their finances and develop structured budgets. Our services include financial situation assessments, budget development, and financial education resources.

It is important to understand that we do not provide financial advice, investment recommendations, or any services regulated by financial authorities. Our role is strictly limited to organizational assistance and education.

3. User Responsibilities

When using our services, you agree to:

• Provide accurate and complete information
• Maintain the confidentiality of any account information
• Use our services in compliance with all applicable laws and regulations
• Not use our services for any illegal or unauthorized purpose
• Not infringe on the rights of others or engage in any activity that could harm our services

4. Payment and Fees

Payment for our services is required in advance. Prices are displayed on our website and are subject to change at any time without notice. All payments are non-refundable unless otherwise specified.

We accept payment via methods specified on our website. By providing your payment information, you represent that you are authorized to use the payment method.

5. Intellectual Property

All content, features, and functionality of our website, including but not limited to text, graphics, logos, icons, images, audio clips, and software, are the property of FinClarity and are protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of our materials without our prior written consent.

6. Limitation of Liability

To the maximum extent permitted by law, FinClarity shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from:

• Your use or inability to use our services
• Any unauthorized access to or use of our servers and/or any personal information stored therein
• Any errors or omissions in the content of our services
• Any decision made based on information provided through our services

7. Indemnification

You agree to defend, indemnify, and hold harmless FinClarity, its officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms & Conditions or your use of our services.

8. Termination

We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms & Conditions.

All provisions of the Terms & Conditions which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

9. Changes to Terms

We reserve the right to modify or replace these Terms & Conditions at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our services after those revisions become effective, you agree to be bound by the revised terms.

10. Governing Law

These Terms & Conditions shall be governed and construed in accordance with the laws of South Africa, without regard to its conflict of law provisions.

11. Contact Us

If you have any questions about these Terms & Conditions, please contact us at:

Email: [email protected]

Phone: +27 17 307 2700