Terms of Use

Last Updated: June 11, 2025

Introduction

Welcome to WealthWise Habits. These Terms of Use govern your access to and use of our website, content, and services. By accessing or using our website, you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, you may not access or use our website.

1. Acceptance of Terms

By accessing or using our website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use, along with our Privacy Policy and Cookie Policy. These Terms of Use constitute a legally binding agreement between you and WealthWise Habits.

2. Changes to Terms

We reserve the right to modify these Terms of Use at any time. Any changes will be effective immediately upon posting the updated Terms of Use on our website. Your continued use of our website after any such changes constitutes your acceptance of the new Terms of Use. It is your responsibility to review these Terms of Use periodically.

3. Intellectual Property Rights

3.1 Our website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by WealthWise Habits, its licensors, or other providers of such material and are protected by South African and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

3.2 You may access, view, and use our website for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our website, except as follows:

  • Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials.
  • You may store files that are automatically cached by your Web browser for display enhancement purposes.
  • You may print or download one copy of a reasonable number of pages of the website for your own personal, non-commercial use and not for further reproduction, publication, or distribution.

3.3 You must not:

  • Modify copies of any materials from this website.
  • Use any illustrations, photographs, video or audio sequences, or any graphics separately from the accompanying text.
  • Delete or alter any copyright, trademark, or other proprietary rights notices from copies of materials from this website.
  • Access or use for any commercial purposes any part of the website or any services or materials available through the website.

4. User Conduct

4.1 You agree to use our website only for lawful purposes and in accordance with these Terms of Use. You agree not to use our website:

  • In any way that violates any applicable federal, state, local, or international law or regulation.
  • To transmit, or procure the sending of, any advertising or promotional material, including any "junk mail," "chain letter," "spam," or any other similar solicitation.
  • To impersonate or attempt to impersonate WealthWise Habits, a WealthWise Habits employee, another user, or any other person or entity.
  • To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the website, or which, as determined by us, may harm WealthWise Habits or users of the website or expose them to liability.

4.2 Additionally, you agree not to:

  • Use the website in any manner that could disable, overburden, damage, or impair the site or interfere with any other party's use of the website.
  • Use any robot, spider, or other automatic device, process, or means to access the website for any purpose, including monitoring or copying any of the material on the website.
  • Use any manual process to monitor or copy any of the material on the website or for any other unauthorized purpose without our prior written consent.
  • Use any device, software, or routine that interferes with the proper working of the website.
  • Introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.
  • Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the website, the server on which the website is stored, or any server, computer, or database connected to the website.
  • Attack the website via a denial-of-service attack or a distributed denial-of-service attack.
  • Otherwise attempt to interfere with the proper working of the website.

5. Educational Content Disclaimer

5.1 The content on our website is provided for general informational and educational purposes only. It is not intended to be and should not be construed as financial advice, investment advice, or any other type of advice.

5.2 The information we provide does not take into account your specific circumstances, objectives, or needs. Before making any financial decisions, you should consult with a qualified financial professional.

5.3 While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on our website for any purpose.

6. Third-Party Links

6.1 Our website may contain links to third-party websites or resources that are not owned or controlled by WealthWise Habits.

6.2 WealthWise Habits has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or resources. We do not warrant the offerings of any of these entities/individuals or their websites.

6.3 You acknowledge and agree that WealthWise Habits shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such third-party websites or resources.

7. Privacy and Data Protection

Your use of our website is also governed by our Privacy Policy and Cookie Policy. Please review these policies to understand our practices regarding the collection, use, and disclosure of your personal information.

8. Limitation of Liability

8.1 To the fullest extent permitted by applicable law, WealthWise Habits and its officers, directors, employees, agents, affiliates, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

  • Your access to or use of or inability to access or use the website;
  • Any conduct or content of any third party on the website;
  • Any content obtained from the website; and
  • Unauthorized access, use, or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence), or any other legal theory, whether or not we have been informed of the possibility of such damage.

8.2 In no event shall our total liability to you for all claims arising from or relating to these Terms of Use or your use of the website exceed one hundred South African rand (R100).

9. Indemnification

You agree to defend, indemnify, and hold harmless WealthWise Habits and its officers, directors, employees, agents, affiliates, and licensors from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms of Use or your use of the website, including, but not limited to, any use of the website's content other than as expressly authorized in these Terms of Use.

10. Governing Law and Jurisdiction

10.1 These Terms of Use and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of the Republic of South Africa.

10.2 Any legal suit, action, or proceeding arising out of, or related to, these Terms of Use or the website shall be instituted exclusively in the courts of the Republic of South Africa, although we retain the right to bring any suit, action, or proceeding against you for breach of these Terms of Use in your country of residence or any other relevant country.

11. Waiver and Severability

11.1 No waiver by WealthWise Habits of any term or condition set out in these Terms of Use shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of WealthWise Habits to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision.

11.2 If any provision of these Terms of Use is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Use will continue in full force and effect.

12. Entire Agreement

These Terms of Use, our Privacy Policy, and our Cookie Policy constitute the sole and entire agreement between you and WealthWise Habits regarding the website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the website.

13. Contact Information

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

Address: 30 Lang St, De Bakke, Mossel Bay, 6506
Phone: +27446905533