Terms and Conditions

These Terms and Conditions govern your use of karinthulexia.com financial planning services. By subscribing to our services, you agree to these terms. Service description: karinthulexia.com provides financial planning services through a monthly subscription model at R800 per month. Services include financial consultation, investment advice, budget planning, and ongoing support. Services are provided subject to availability and may be modified with notice. Subscription terms: Monthly subscriptions are billed in advance and automatically renew unless cancelled. Payment is due on the subscription date each month. Late payments may result in service suspension. Cancellation requires 30 days written notice and takes effect at the end of the current billing period. Client responsibilities: You must provide accurate and complete information, maintain confidentiality of account credentials, notify us of changes to your circumstances, follow our advice at your own discretion, and comply with all applicable laws and regulations. You are responsible for your own financial decisions. Service limitations: Our advice is based on information you provide and general market conditions. We cannot guarantee specific financial outcomes or investment returns. Past performance does not indicate future results. Our services do not constitute legal or tax advice, and you should consult appropriate professionals for such matters. Intellectual property: All content, materials, and intellectual property remain the property of karinthulexia.com. You may not reproduce, distribute, or create derivative works without written permission. Trademarks and logos are protected intellectual property. Privacy and confidentiality: We maintain strict confidentiality of your financial information as outlined in our Privacy Policy. We comply with South African privacy laws and professional standards. Your information is protected through secure systems and access controls. Limitation of liability: karinthulexia.com's liability is limited to the amount of fees paid in the preceding 12 months. We are not liable for indirect, consequential, or punitive damages. This limitation applies to the fullest extent permitted by South African law. Professional standards: Our advisors are qualified professionals bound by industry codes of conduct. We maintain professional indemnity insurance and comply with regulatory requirements. We reserve the right to refuse service or terminate relationships that conflict with professional standards. Dispute resolution: Disputes will be resolved through good faith negotiation, followed by mediation if necessary. Any legal proceedings will be conducted in South African courts under South African law. You may also lodge complaints with relevant regulatory authorities. Termination: Either party may terminate the service agreement with 30 days written notice. We may terminate immediately for breach of terms, non-payment, or professional conduct reasons. Upon termination, access to services ceases, though confidentiality obligations continue. Governing law: These terms are governed by South African law, including the Consumer Protection Act and Financial Advisory and Intermediary Services Act. Any provisions found unenforceable will not affect the validity of remaining terms. Amendments: We may modify these terms with 30 days notice. Continued use of services after changes constitutes acceptance of new terms. Significant changes will be communicated directly to subscribers. Contact information: For questions about these terms, contact us at info@karinthulexia.com, +27 11 234 5678, or 123 Financial Plaza, Sandton City, Johannesburg, 2196, South Africa. These Terms and Conditions are effective as of June 21, 2025.