Terms of Service

1. Permitted Uses

You may use our website and services for the following purposes:

• • Researching our financial advisory services and obtaining information about financial planning
• • Contacting us to inquire about services or schedule consultations
• • Accessing educational content and resources we provide
• • Engaging our professional services through formal client agreements

2. Prohibited Activities

You agree not to engage in any of the following activities:

• ✕ Using our website for any unlawful purpose or in violation of applicable regulations
• ✕ Attempting to gain unauthorized access to our systems, accounts, or networks
• ✕ Distributing malware, viruses, or other harmful code through our website
• ✕ Scraping, harvesting, or collecting information from our website through automated means
• ✕ Impersonating any person or entity, or falsely stating your affiliation with any person or entity
• ✕ Interfering with or disrupting the operation of our website or servers
• ✕ Using our content, branding, or intellectual property without prior written consent

3. Access Requirements

To use our services, you must be at least 18 years of age and have the legal capacity to enter into binding agreements. You are responsible for maintaining the confidentiality of any account credentials and for all activities that occur under your account.

1. Service Engagement

Our financial advisory services are provided through formal engagement agreements. Initial consultations are complimentary and do not create an advisory relationship. A formal client agreement must be executed before we provide ongoing advisory services, and specific terms will be outlined in that agreement.

2. Account Security

If you create an account or portal access with us:

• • You must provide accurate, complete, and current information
• • You are responsible for maintaining the security of your login credentials
• • You must notify us immediately of any unauthorized access or security breach
• • You are liable for all activities conducted through your account

3. Account Termination

We reserve the right to suspend or terminate your access to our services if you violate these Terms of Service, engage in fraudulent activity, or for any other reason at our discretion. You may terminate your relationship with us at any time by providing written notice, subject to the terms of any formal service agreement.

1. Website Availability

While we strive to maintain continuous website availability, we do not guarantee uninterrupted access. Our website may be temporarily unavailable due to maintenance, technical issues, or circumstances beyond our control. We are not liable for any losses resulting from website downtime.

2. Service Modifications

We reserve the right to modify, suspend, or discontinue any aspect of our website or services at any time without prior notice. This includes features, content, functionality, and availability. Existing client agreements will be honored according to their specific terms.

3. Geographic Restrictions

Our services are primarily intended for residents of South Africa. We comply with South African financial services regulations and may not be able to serve clients in other jurisdictions. If you access our website from outside South Africa, you are responsible for compliance with local laws.

4. Updates and Changes

We may update our website content, service offerings, and pricing without prior notice. Current information on our services and fees will be available on our website or provided upon request. Any changes to existing client engagements will be communicated directly to affected clients.

1. Our Content Ownership

All content on this website, including text, graphics, logos, images, software, and design elements, is the property of Meridian Finance or our licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.

2. Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes. This license does not include the right to download (except for temporary caching), copy, or redistribute our content without permission.

3. Trademarks

"Meridian Finance" and associated logos are trademarks of our company. You may not use these trademarks without our prior written consent. Use of our trademarks in a manner that causes confusion or disparages our services is strictly prohibited.

4. User-Submitted Content

If you submit content to us (such as through contact forms or communications), you grant us a non-exclusive license to use that content for business purposes, including responding to your inquiry and improving our services. You represent that you have the right to submit such content and that it does not violate any third-party rights.