Welcome to FinancialVisionConsulting. By accessing or using our website and services, you agree to comply with these Terms and Conditions. Please read them carefully. If you do not agree to these terms, you may not access or use our services.

1. Acceptance of Terms

By using our website or services, you confirm that you are at least 18 years old and capable of entering into a legally binding agreement. If you are using our services on behalf of a business, you acknowledge that you are authorized to do so.

2. Services Provided

FinancialVisionConsulting provides consulting services in financial planning, investment strategies, risk management, capital management, and tax optimization. We reserve the right to modify, suspend, or discontinue any part of our services at any time without notice.

3. Use of the Site

You agree to use our site and services for lawful purposes only. You may not engage in any conduct that could damage, disable, overburden, or impair our website or interfere with other users’ enjoyment of our services. Unauthorized access to our systems or data is strictly prohibited.

4. User Accounts

When creating an account, you must provide accurate and complete information. You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. If you suspect any unauthorized use of your account, you must notify us immediately.

5. Payment and Billing

If you engage with any paid services on our platform, you agree to provide accurate payment information. We reserve the right to change our fees and billing methods with prior notice. All payments are non-refundable unless otherwise specified.

6. Intellectual Property

All content on the site, including text, graphics, logos, and software, is the property of FinancialVisionConsulting or our licensors and is protected by copyright, trademark, and other laws. You may not use, reproduce, or distribute any content without prior written permission from us.

7. Disclaimer of Warranties

Our services are provided on an "as-is" and "as-available" basis. We do not guarantee that the services will be error-free, uninterrupted, or meet your specific requirements. To the fullest extent permitted by law, we disclaim all warranties, express or implied, regarding the services.

8. Limitation of Liability

In no event shall FinancialVisionConsulting be liable for any direct, indirect, incidental, or consequential damages resulting from your use or inability to use our services, even if we have been advised of the possibility of such damages.

9. Indemnification

You agree to indemnify and hold harmless FinancialVisionConsulting, its affiliates, and employees from any claims, damages, or expenses (including legal fees) arising from your use of the site, violation of these Terms, or infringement of any rights of a third party.

10. Termination

We reserve the right to terminate or suspend your account at any time, without notice, for violating these Terms or engaging in unauthorized activities. You may also terminate your account at any time by contacting us. Upon termination, your access to the services will be revoked.

11. Governing Law

These Terms and Conditions are governed by the laws of the Republic of South Africa. Any disputes arising from these terms will be subject to the exclusive jurisdiction of the courts of South Africa.

12. Changes to Terms

We reserve the right to update or modify these Terms and Conditions at any time. Any changes will be posted on this page, and your continued use of the site after such changes constitutes acceptance of the new terms.

13. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms and conditions of these third-party sites. Your use of third-party sites is at your own risk.

14. Privacy Policy

Your use of the site is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. Please review it carefully.

15. Contact Us

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

Email: [email protected].