Verum Wealth Management

1. Acceptance of Terms
By accessing or using the Verum Wealth Management website (https://verumwealth.co.za), you agree to comply with and be bound by these Terms of Use. Please review these terms regularly, as they may be updated from time to time. Continued use of the website constitutes acceptance of any changes.

2. Nature of Website Content
The information provided on this website is for general informational purposes only and does not constitute financial, investment, legal, or tax advice.
Content may not be exhaustive or tailored to your specific circumstances.
Any tools, calculators, or projections are indicative only and may not be accurate.
Before making financial decisions, you should consult a qualified financial advisor.

3. No Offer or Advice
Nothing on this website constitutes:
An offer to sell financial products or services; or
Formal financial, investment, or advisory services.
Any request submitted via this website will be treated as an offer to do business, which Verum Wealth Management may accept at its discretion, subject to applicable terms and legislation.

4. Third-Party Links
This website may contain links to third-party websites for convenience.
Verum Wealth Management does not control or endorse such websites.
We are not responsible for their content, accuracy, or security.
Accessing third-party websites is at your own risk.

5. International Use
Users accessing this website from outside South Africa are responsible for ensuring compliance with local laws.
Products or services may not be available in all jurisdictions.
Use of this website from restricted jurisdictions is at your own risk.

6. No Warranties
The website and its content are provided “as is” without warranties of any kind, including:
Accuracy or completeness of information
Fitness for a particular purpose
Freedom from viruses or harmful components

7. Permitted Use
You may use this website for personal, non-commercial purposes only.
You may not:
Copy, reproduce, or distribute content without permission
Reverse engineer or interfere with website functionality
Upload unlawful, defamatory, or harmful content
Attempt unauthorised access to systems or data
Any unlawful activity may result in legal action.

8. Electronic Communications
By communicating electronically with Verum Wealth Management, you agree that:
Communications may be conducted electronically
Electronic records constitute valid written communication
You accept risks associated with electronic communication

9. User Credentials
If applicable, you are responsible for:
Maintaining confidentiality of login credentials
All activities under your account
Notifying us of any unauthorised use

10. Mobile Access
When accessing the website via mobile devices:
Functionality may be limited
You are responsible for data and connectivity costs
Verum Wealth Management is not liable for network or device failures

11. Privacy and Data Protection
Your privacy is important to us.
Personal information is processed in accordance with the Protection of Personal Information Act (POPIA)
Data is used to provide, improve, and secure services
Information may be shared with service providers where necessary and lawful

12. Limitation of Liability
Verum Wealth Management is not liable for:
Any direct or indirect loss arising from website use
Errors, interruptions, or delays
Reliance on website content
Use of the website is entirely at your own risk.

13. Intellectual Property
All content on this website (including text, graphics, logos, and design) is the property of Verum Wealth Management or its licensors and is protected by intellectual property laws.
You may not use content without prior written consent.

14. Indemnity
You agree to indemnify and hold harmless Verum Wealth Management and its employees from any claims, damages, or losses arising from:
Your breach of these Terms
Your misuse of the website

15. Breach of Terms
Verum Wealth Management reserves the right to:
Restrict or terminate access
Take legal action
Report unlawful activity to authorities

16. Governing Law
These Terms of Use are governed by the laws of the Republic of South Africa.
Jurisdiction: High Court of South Africa (Western Cape Division, Cape Town)
Proceedings will be conducted in English

17. Email Disclaimer
Email communications:
Are confidential and intended only for the recipient
May not be secure or error-free
Do not constitute binding agreements unless formally executed

18. Amendments
Verum Wealth Management reserves the right to amend these Terms at any time without prior notice.

19. Contact Information
For queries regarding these Terms, please contact:
Verum Wealth Management
Website: https://verumwealth.co.za