Terms of Use

1. Agreement to Terms

By accessing or using Financial Navigators' services, you agree to be bound by these Terms of Use. If you disagree with any part of these terms, you may not access our services.

2. Services Description

Financial Navigators provides financial planning, investment advisory, and retirement planning services. Our services are subject to South African financial regulations and laws.

3. User Responsibilities

As a user of our services, you agree to:

• Provide accurate and complete information
• Maintain the confidentiality of your account
• Notify us of any unauthorized access
• Use our services in compliance with applicable laws

4. Financial Advice Disclaimer

While we strive to provide accurate financial advice, we cannot guarantee specific financial outcomes. All investments carry risk, and past performance is not indicative of future results.

5. Intellectual Property

All content, trademarks, and materials on our website are the property of Financial Navigators and are protected by copyright and intellectual property laws.

6. Limitation of Liability

Financial Navigators shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of our services.

7. Account Termination

We reserve the right to terminate or suspend accounts for violations of these terms or for any other reason at our discretion.

8. Dispute Resolution

Any disputes arising from these terms or our services shall be resolved through arbitration in accordance with South African law.

9. Modifications to Terms

We reserve the right to modify these terms at any time. Continued use of our services after changes constitutes acceptance of the modified terms.

10. Contact Information