Terms and Conditions

Acceptance of Terms

By accessing our website or engaging our financial planning services, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions. These terms apply to all users of our services, including website visitors and consultation clients.

Your continued use of our services constitutes ongoing acceptance of these terms and any updates we may make.

Definitions

For the purposes of these terms, the following definitions apply throughout this agreement. These definitions help clarify the scope and application of our terms and conditions.

• Services: Financial planning consultations, investment advice, and related professional services provided by norvalistora.com
• User/Client: Any individual or entity that accesses our website or engages our financial planning services
• Content: All information, advice, recommendations, and materials provided through our services
• Company: norvalistora.com and its affiliated entities, employees, and authorized representatives

Use of Services

Our financial planning services are provided for informational and advisory purposes only. You acknowledge that all investment decisions are made at your own risk and that past performance does not guarantee future results. You are responsible for implementing any recommendations and should consult with qualified professionals before making financial decisions.

Permitted Use

• Use our services for legitimate financial planning purposes only
• Provide accurate and complete information during consultations
• Respect intellectual property rights and confidentiality requirements

Prohibited Use

• Use our services for illegal activities or fraudulent purposes
• Share or redistribute our proprietary advice without authorization
• Provide false or misleading information during consultations
• Attempt to reverse-engineer or copy our methodologies and systems

User Responsibilities

As a user of our services, you have certain responsibilities to ensure effective service delivery and compliance with applicable laws. These responsibilities are essential for maintaining the integrity of our advisory relationship.

• Provide accurate and complete financial information for proper analysis
• Implement recommendations in accordance with your risk tolerance and circumstances
• Maintain confidentiality of sensitive financial information and advice
• Comply with all applicable laws and regulations in your jurisdiction

Intellectual Property Rights

All content, methodologies, systems, and materials provided by norvalistora.com are protected by intellectual property laws. You receive a limited, non-exclusive license to use our advice for your personal financial planning purposes only. You may not reproduce, distribute, or commercialize any aspect of our services without explicit written permission.

Unauthorized use of our intellectual property may result in legal action and termination of services.

Payment Terms

Payment for consultations is required before service delivery begins. All prices are quoted in South African Rand and include applicable VAT. We accept various payment methods including bank transfers and credit cards. Refunds are available within 14 days of service delivery, subject to our refund policy terms.

Disclaimers and Limitations

Financial planning involves inherent risks and uncertainties. While we strive to provide accurate and helpful advice, we cannot guarantee specific outcomes or investment performance. Our advice is based on information available at the time of consultation and may become outdated due to changing market conditions.

We provide our services "as is" without warranties of any kind, express or implied.

Limitation of Liability

norvalistora.com and its employees, consultants, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from the use of our services or reliance on our advice. Our total liability is limited to the amount paid for our services.

Our liability is limited to the amount paid for our services, and we are not responsible for indirect or consequential damages.

Indemnification

You agree to indemnify and hold harmless norvalistora.com from any claims, damages, or expenses arising from your use of our services or implementation of our advice. This includes legal fees and costs associated with defending against any claims related to your financial decisions.

Termination

Either party may terminate our service agreement with written notice. Termination does not affect obligations that arose before termination, including payment obligations and confidentiality requirements. Upon termination, you must cease using any proprietary materials or advice provided by norvalistora.com.

Termination may result in loss of access to ongoing support and follow-up services.

Governing Law

These terms are governed by the laws of South Africa. Any disputes arising from these terms or our services will be resolved through South African courts or arbitration proceedings. You consent to the jurisdiction of South African courts for all legal matters related to our services.

Changes to Terms

We reserve the right to modify these terms at any time to reflect changes in our services or applicable laws. Significant changes will be communicated through email or website notifications. Your continued use of our services after changes constitutes acceptance of the updated terms.

We recommend reviewing these terms periodically to stay informed of any updates.

Severability

If any provision of these terms is found to be unenforceable or invalid, the remaining provisions will continue in full force and effect. Invalid provisions will be replaced with enforceable terms that most closely reflect the original intent of the agreement.

Entire Agreement

These terms constitute the entire agreement between you and norvalistora.com regarding the use of our services. They supersede all prior agreements, understandings, and communications related to the subject matter. Any modifications must be made in writing and signed by both parties.

Contact Information

If you have questions about our cookie policy or wish to exercise your rights regarding cookies, please contact us at cookies@norvalistora.com or call +27 11 269 1715. You can also write to us at 142 Commissioner Street, Johannesburg, Gauteng 2001, South Africa.