Terms of Use

1. Acceptance of Terms

By accessing and using the zelvothicstudio website at zelvothicstudio.com and our financial services platform, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. These terms constitute a legally binding agreement between you and zelvothicstudio, a financial services provider operating in South Africa.

If you do not agree with any part of these terms, you must immediately discontinue use of our services and website. Your continued use of our platform following any changes to these terms constitutes acceptance of those changes.

Definitions

2. Use of Services

zelvothicstudio provides financial education and consulting services designed to help individuals and businesses understand finance fundamentals. Our services are intended for educational and informational purposes, and we do not guarantee specific financial outcomes or returns.

Permitted Uses

• Access and use our educational content for personal or business learning purposes
• Participate in our learning programs and workshops
• Contact our team for financial consulting services
• Share our content with proper attribution and within fair use guidelines
• Use our platform to improve your financial knowledge and skills

Prohibited Uses

• Reproducing, distributing, or selling our proprietary content without written permission
• Using our services for illegal activities or fraudulent purposes
• Attempting to gain unauthorized access to our systems or user accounts
• Transmitting viruses, malware, or other harmful code through our platform
• Harassing, threatening, or intimidating other users or our staff
• Impersonating zelvothicstudio or our representatives in any capacity
• Using automated systems to access our services without permission

3. User Responsibilities and Obligations

As a user of our services, you have certain responsibilities and obligations that ensure the proper functioning of our platform and the protection of all users.

Account Security

If you create an account with us, you are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You must immediately notify us of any unauthorized use of your account or any security breach.

Accurate Information

You agree to provide accurate, current, and complete information when registering for our services or communicating with us. You must promptly update any information that becomes inaccurate or outdated.

Compliance with Laws

You must comply with all applicable laws and regulations when using our services. This includes but is not limited to South African financial regulations, data protection laws, and international trade restrictions.

1. You must be at least 18 years old to use our services independently
2. You must not use our services if you are prohibited from receiving financial services
3. You must comply with all applicable tax obligations related to any financial decisions you make
4. You must not use our services to engage in money laundering or terrorist financing

4. Intellectual Property Rights

All content, materials, and intellectual property on our platform are owned by zelvothicstudio or our licensors and are protected by copyright, trademark, and other intellectual property laws.

Our Rights

zelvothicstudio retains all rights, title, and interest in our proprietary content, including but not limited to educational materials, software, graphics, logos, and course content. Our trademarks and service marks may not be used without our express written permission.

Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our services for personal or business educational purposes. This license does not include the right to reproduce, distribute, or create derivative works from our content.

User-Generated Content

If you submit content to our platform, including comments, feedback, or questions, you grant zelvothicstudio a non-exclusive, royalty-free license to use, reproduce, and display such content in connection with our services.

5. Privacy and Data Protection

We are committed to protecting your privacy and handling your personal information in accordance with applicable data protection laws, including the Protection of Personal Information Act (POPIA) in South Africa.

Information Collection

• We collect information you provide directly, such as registration details and contact information
• We may collect usage data and analytics to improve our services
• We use cookies and similar technologies to enhance your experience
• We may collect information from third parties with your consent

Information Use

We use your information to provide services, communicate with you, improve our platform, and comply with legal obligations. We do not sell your personal information to third parties.

6. Financial Disclaimers

zelvothicstudio provides educational and consulting services related to finance and business. However, we do not provide specific investment advice, and our services should not be considered as recommendations to buy or sell specific financial instruments.

Educational Purpose

Our content and services are designed for educational purposes to help you understand financial concepts and develop your knowledge. Any financial decisions you make based on our educational materials are your sole responsibility.

No Guarantees

We make no guarantees about financial outcomes, investment returns, or business success. Past performance does not indicate future results, and all financial decisions carry inherent risks.

Professional Advice

Our services complement but do not replace professional financial advice. You should consult with qualified financial advisors, accountants, or legal professionals before making significant financial decisions.

7. Limitation of Liability

To the fullest extent permitted by law, zelvothicstudio shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of our services.

Maximum Liability

Our total liability to you for all claims arising out of or related to these terms or our services shall not exceed the amount you paid us for services in the twelve months preceding the claim.

Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, labor disputes, or government actions.

1. System outages or technical difficulties
2. Third-party service interruptions
3. Regulatory changes affecting our services
4. Economic conditions beyond our control

8. Termination

These terms remain in effect until terminated by either party. We may terminate or suspend your access to our services at any time, with or without cause, with or without notice.

Termination by You

You may terminate these terms at any time by discontinuing use of our services and, if applicable, closing your account. You remain responsible for all charges incurred before termination.

Termination by Us

We may terminate your access if you violate these terms, engage in fraudulent activity, or for any other reason at our sole discretion. We will provide reasonable notice when practicable.

Effect of Termination

Upon termination, your right to use our services ceases immediately. Provisions that by their nature should survive termination shall remain in effect, including intellectual property rights, disclaimers, and limitations of liability.

9. Governing Law and Dispute Resolution

These terms are governed by the laws of South Africa. Any disputes arising from these terms or our services shall be resolved according to South African law and jurisdiction.

Jurisdiction

You agree that any legal action or proceeding related to these terms shall be brought exclusively in the courts of Cape Town, South Africa, and you consent to the jurisdiction of such courts.

Alternative Dispute Resolution

Before pursuing legal action, we encourage you to contact us directly to resolve any disputes. We are committed to working with you to find fair and reasonable solutions to any issues that may arise.

10. Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting to our website. We will make reasonable efforts to notify you of significant changes, but it is your responsibility to review these terms periodically.

Notification of Changes

• We will update the "Effective Date" at the top of these terms
• We may send email notifications for significant changes
• We may display notices on our website about term updates
• Continued use of our services constitutes acceptance of changes

Your Options

If you do not agree with any changes to these terms, you must discontinue use of our services. Your continued use following any changes constitutes acceptance of the new terms.