Terms & Conditions

1. Introduction
Welcome to Investoria. These Terms & Conditions govern your use of our website and our finance webinar services. By accessing our website and engaging with our services, you agree to comply with these terms.

If you do not agree with any part of these Terms & Conditions, please discontinue the use of our services immediately.

2. Definitions
"Investoria" refers to the company providing finance webinar and educational services.
"User" refers to any individual or entity accessing our website or services.
"Services" refer to live finance webinars, on-demand sessions, and educational consultations provided by Investoria.
3. Use of Website & Services
📌 Eligibility: Our services are available to individuals aged 18 and above. By using our website, you confirm that you meet this requirement.

📌 Permitted Use:

You may use our website for informational and educational purposes.
You agree not to misuse the site for fraudulent, unlawful, or unauthorized purposes.
📌 Prohibited Activities:

Copying, distributing, or modifying website content without permission.
Engaging in any action that disrupts or overburdens our website infrastructure.
Attempting to access restricted areas of the site or unauthorized accounts.
Investoria reserves the right to terminate access to users violating these terms.

4. Services & Disclaimer
Investoria provides educational finance webinars but does not offer professional financial, legal, or investment advice.

The content of our webinars is for informational purposes only and should not be considered financial advice.
Users are responsible for their financial decisions and should consult a professional for personalized guidance.
Investoria is not liable for any financial losses resulting from the application of knowledge gained through our webinars.
📌 By using our services, you acknowledge and accept these terms.

5. Payment & Refund Policy
If you purchase any Investoria services, the following payment terms apply:

✅ Payments must be made in full before accessing webinars or on-demand sessions.
✅ We accept payments via credit/debit cards, bank transfers, and other approved methods.
✅ Refunds are subject to our Return and Refund Policy.

Failure to complete payment may result in service cancellation.

6. Limitation of Liability
Investoria, its employees, and affiliates are not responsible for:

🚫 Any financial decisions made based on webinar content.
🚫 Third-party services, including investment platforms, advisors, or financial institutions.
🚫 Technical errors, website downtime, or service interruptions beyond our control.

📌 Our liability is limited to the amount paid for our services.

7. Intellectual Property
All content on www.investoria.co.za, including text, images, and webinar recordings, is the property of Investoria and is protected under intellectual property laws.

Users may not reproduce, distribute, or modify any content without prior written permission.
Unauthorized use of our intellectual property may result in legal action.
8. Privacy & Data Protection
By using our services, you agree to the terms outlined in our Privacy Policy. We respect your privacy and ensure that personal data is handled securely.

📌 For details, please refer to our Privacy Policy.

9. Third-Party Links
Our website may contain links to third-party sites for additional resources or services. Investoria is not responsible for the content, privacy policies, or practices of third-party websites.

We encourage users to review external site policies before engaging with them.

10. Changes to These Terms
Investoria reserves the right to update or modify these Terms & Conditions at any time. Any changes will be posted on this page with an updated revision date. Continued use of our services after changes indicates acceptance of the revised terms.

11. Governing Law & Dispute Resolution
These Terms & Conditions are governed by the laws of South Africa.

Any disputes arising from these terms shall first be resolved through negotiation.
If unresolved, disputes may be referred to arbitration in Cape Town, South Africa.
Legal proceedings, if necessary, shall be handled under South African jurisdiction.
📌 By using our services, you agree to these dispute resolution terms.

12. Contact Information
If you have any questions about these Terms & Conditions, please contact us:

📍 Address: 41 4th Ave, Parow, Cape Town, 7500, South Africa
📞 Phone: +27 641 457 478
📧 Email: [email protected]