Terms and Conditions

Agreement to Terms

By accessing and using the xeltraviaonline.com website and financial planning services, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions. These terms constitute a legally binding agreement between you and xeltraviaonline.com.

If you do not agree to these terms, please discontinue use of our website and services immediately.

Use of Service

Our financial planning subscription service is provided for informational and advisory purposes only. You agree to use our services responsibly and in accordance with applicable laws and regulations.

• You must be at least 18 years old to use our services
• You must provide accurate and complete information when requested
• You are responsible for maintaining the confidentiality of your account information
• You agree not to use our services for any illegal or unauthorized purposes

User Accounts and Responsibilities

When you create an account with us, you become responsible for maintaining the security of your account and all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

Prohibited Uses

You agree not to use our website or services for any of the following prohibited purposes:

• Providing false or misleading information to our advisors
• Attempting to gain unauthorized access to our systems or other user accounts
• Using our services to engage in any illegal financial activities
• Reproducing, duplicating, or selling any part of our service without permission
• Interfering with or disrupting our website or services

Intellectual Property Rights

All content, materials, and intellectual property on our website and in our services are owned by xeltraviaonline.com and are protected by South African and international copyright and trademark laws.

You may not reproduce, distribute, or create derivative works from our content without express written permission.

Payment Terms

Our financial planning subscription service is billed monthly at R750 per month. Payment is due in advance and will be automatically charged to your selected payment method.

Termination

Either party may terminate the service agreement at any time. You may cancel your subscription through your account settings or by contacting our customer service team.

Upon termination, your access to premium features will cease at the end of your current billing period.

Service Disclaimers

Our financial planning services are provided on an "as is" basis. While we strive to provide accurate and helpful guidance, we make no warranties about the completeness, reliability, or suitability of our advice for your specific situation.

Limitation of Liability

xeltraviaonline.com shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services, including but not limited to investment losses or financial damages.

Our total liability to you for any claims arising from our services shall not exceed the amount you paid for services in the 12 months preceding the claim.

Indemnification

You agree to indemnify and hold xeltraviaonline.com harmless from any claims, damages, losses, or expenses arising from your use of our services, your violation of these terms, or your violation of any rights of another person or entity.

Governing Law

These terms and conditions are governed by the laws of South Africa. Any disputes arising from these terms or your use of our services shall be resolved in accordance with South African law.

The courts of South Africa shall have exclusive jurisdiction over any disputes arising from these terms.

Changes to Terms

We reserve the right to modify these terms and conditions at any time. Changes will be effective immediately upon posting to our website.

Your continued use of our services after changes are posted constitutes acceptance of the modified terms.

Contact Information

If you have any questions about our use of cookies or this cookie policy, please contact us at legal@xeltraviaonline.com or +27 83 123 4567.