Terms of Use

1. Introduction

Welcome to FinGuide. These Terms of Use govern your access to and use of our website and our services. By accessing or using our website, you agree to comply with and be bound by these terms. If you do not agree with these terms, please do not use our website.

2. Use of Our Website

  • Eligibility: You must be at least 18 years old to use our website. By using our website, you represent and warrant that you meet this age requirement.
  • Account Responsibilities: If you create an account on our website, you are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.
  • Prohibited Activities: You agree not to use our website for any unlawful or prohibited activities, including but not limited to:
    • Using the website to transmit harmful, defamatory, or illegal content.
    • Interfering with or disrupting the website’s operation or security.
    • Attempting to gain unauthorized access to any part of the website or its systems.

3. Intellectual Property

  • Ownership: All content, features, and functionality on our website, including text, graphics, logos, and software, are the exclusive property of FinGuide and are protected by intellectual property laws.
  • License: We grant you a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes. You may not reproduce, distribute, modify, or create derivative works from any content on our website without our prior written consent.

4. Disclaimer of Warranties

  • No Guarantee: Our website and its content are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee that the website will be uninterrupted, error-free, or free of viruses or other harmful components.
  • Financial Advice: The information provided on our website is for informational purposes only and does not constitute financial, investment, or legal advice. You should consult with a qualified professional before making any financial decisions.

5. Limitation of Liability

  • Exclusion of Liability: To the fullest extent permitted by law, FinGuide and its affiliates, directors, officers, employees, and agents shall not be liable for any indirect, incidental, consequential, or punitive damages arising out of or related to your use of our website.
  • Maximum Liability: In no event shall our total liability to you for any claim arising out of or related to these Terms of Use exceed the amount you have paid, if any, for accessing our website.

6. Indemnification

You agree to indemnify, defend, and hold harmless FinGuide and its affiliates, directors, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or related to your use of our website or any breach of these Terms of Use.

7. Changes to These Terms

We may update these Terms of Use from time to time. Any changes will be posted on this page with an updated effective date. Your continued use of our website following any changes constitutes your acceptance of the new terms.

8. Termination

We reserve the right to terminate or suspend your access to our website at our sole discretion, without notice, for any reason, including but not limited to a violation of these Terms of Use.

9. Governing Law

These Terms of Use are governed by and construed in accordance with the laws of South Africa, without regard to its conflict of law principles. Any disputes arising out of or related to these terms shall be subject to the exclusive jurisdiction of the courts of South Africa.

10. Contact Us

If you have any questions or concerns about these Terms of Use, please contact us at:

Email: [email protected].