Terms and Conditions

1. Legal Compliance

You agree to comply with all applicable laws and regulations when using our website and services. This includes:

• • South African financial services regulations and consumer protection laws
• • Tax laws and reporting requirements applicable to your jurisdiction
• • Anti-money laundering and counter-terrorism financing regulations
• • Data protection and privacy laws, including POPIA

2. Accurate Information

You are responsible for providing accurate, complete, and truthful information when communicating with us or using our services. Providing false or misleading information may result in termination of services and could have legal consequences. You must promptly update us if your personal or financial circumstances change materially.

3. Prohibited Conduct

You must not engage in conduct that:

• ✕ Violates any applicable laws, regulations, or third-party rights
• ✕ Is fraudulent, deceptive, or misleading
• ✕ Infringes upon intellectual property or privacy rights
• ✕ Involves money laundering or financing of illegal activities
• ✕ Harasses, threatens, or harms others
• ✕ Interferes with the proper functioning of our services

4. Age Restrictions

Our services are intended for individuals who are at least 18 years of age and have legal capacity to enter into binding contracts. If you are under 18, you may only use our website with the involvement of a parent or legal guardian who accepts these terms on your behalf.

5. Professional Conduct

When interacting with our team, you agree to maintain professional and respectful communication. We reserve the right to refuse service or terminate our relationship with clients who engage in abusive, threatening, or inappropriate behavior toward our staff.

1. Website Content Use

All content on our website is provided for informational purposes only. You may not copy, reproduce, distribute, transmit, display, perform, or create derivative works from our content without express written permission. Personal use for reference is permitted, but commercial use is strictly prohibited.

2. Information Accuracy

While we make reasonable efforts to ensure the accuracy of information on our website, we do not warrant that all content is current, complete, or error-free. Financial regulations, market conditions, and best practices evolve constantly. You should verify information independently before making financial decisions.

3. User-Generated Content

If you submit any content to us (including through forms, emails, or other communications), you represent and warrant that you own all rights to such content or have obtained necessary permissions. You grant us a perpetual, non-exclusive license to use this content for business purposes.

4. Confidential Information

Any confidential information you share with us in the context of our advisory relationship will be protected according to professional standards and applicable regulations. However, information shared through unsecured channels like email or contact forms should not be considered completely confidential.

1. Disclaimer of Warranties

To the maximum extent permitted by law, our services and website are provided "as is" and "as available" without warranties of any kind, whether express or implied, including but not limited to:

• • Warranties of merchantability or fitness for a particular purpose
• • Warranties that our services will meet your specific requirements
• • Warranties of uninterrupted, timely, secure, or error-free service
• • Warranties regarding the accuracy or reliability of information obtained through our services

2. Limitation of Liability

We shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including:

• • Loss of profits, revenue, or business opportunities
• • Loss of data or interruption of business
• • Investment losses or financial performance issues
• • Costs of procurement of substitute services

Our aggregate liability for any claims shall not exceed the fees you paid to us in the 12 months preceding the claim.

3. Force Majeure

We are not liable for any failure to perform our obligations due to circumstances beyond our reasonable control, including natural disasters, government actions, telecommunications failures, market disruptions, pandemics, or other force majeure events.

4. Third-Party Relationships

We are not responsible for the acts or omissions of third parties, including financial institutions, investment platforms, or other service providers you may engage based on our recommendations. You acknowledge that such relationships are independent and subject to separate terms.

1. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of South Africa, without regard to conflict of law principles. The application of the United Nations Convention on Contracts for the International Sale of Goods is expressly excluded.

2. Jurisdiction

Any legal action or proceeding relating to these Terms and Conditions shall be brought exclusively in the courts of Johannesburg, South Africa. You consent to the personal jurisdiction of these courts and waive any objection to venue in these courts.

3. Dispute Resolution Process

4. Financial Services Complaints

If you have a complaint about our financial services, you may also lodge a complaint with the Financial Sector Conduct Authority (FSCA) or the relevant ombudsman scheme. We will provide you with information about these processes upon request.

Severability

If any provision of these Terms and Conditions is held to be invalid, illegal, or unenforceable, the validity, legality, and enforceability of the remaining provisions shall not be affected or impaired.

Waiver

No waiver of any term or condition shall be deemed a further or continuing waiver of such term or condition or any other term or condition. Our failure to assert any right or provision under these terms shall not constitute a waiver of such right or provision.

Assignment

You may not assign or transfer these Terms and Conditions or any rights granted hereunder without our prior written consent. We may assign our rights and obligations under these terms without restriction.

Entire Agreement

These Terms and Conditions, together with our Terms of Service, Privacy Policy, Cookie Policy, and any formal service agreements, constitute the entire agreement between you and Meridian Finance regarding the subject matter herein.

Survival

Provisions that by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

Headings

Section headings are for convenience only and shall not govern the interpretation of any provision of these Terms and Conditions.