Effective Date: June 18, 2025
These Terms and Conditions ("Terms") govern your access to and use of the website (the "Site") and financial planning subscription services (the "Services") provided by Caxithivellum ("we", "us", or "our"). By accessing the Site or subscribing to our Services, you agree to be bound by these Terms, our Privacy Policy, Cookie Policy, and Financial Disclaimer. If you do not agree, please do not use the Site or Services.
1.1. You must be at least 18 years old and have the legal capacity to enter into contracts to use the Site or Services. By using the Services, you represent that you meet these requirements.
1.2. To access certain features of the Services, you may need to create an account. You are responsible for providing accurate and complete information, maintaining the confidentiality of your account credentials, and notifying us of any unauthorized use.
2.1. Service Description: Our Services include financial planning advice, budgeting assistance, investment guidance, retirement planning, tax optimization, debt management, and access to educational resources, provided through a monthly subscription costing $50 AUD, unless otherwise specified.
2.2. Payment: Subscription fees are billed monthly in advance via the payment methods available on the Site. You authorize us to charge the applicable fees to your designated payment method. All payments are non-refundable, except as required by South Africans Consumer Law or as stated in Section 2.4.
2.3. Automatic Renewal: Your subscription will automatically renew each month unless cancelled. You will be notified before each renewal, and the fee will be charged unless you cancel prior to the renewal date.
2.4. Cancellation and Refunds: You may cancel your subscription at any time by providing 30 days’ notice via your account settings or by contacting us. Cancellation takes effect at the end of the current billing cycle. Pro-rata refunds for unused portions of the billing cycle may be provided at our discretion or as required by law.
2.5. Service Limitations: The Services do not guarantee specific financial outcomes or investment returns. You are responsible for implementing any recommendations at your discretion. See our Financial Disclaimer for further details.
3.1. You agree to provide accurate and complete financial and personal information as required to deliver the Services. We are not liable for any errors or losses resulting from inaccurate or incomplete information you provide.
3.2. You agree not to use the Site or Services for any unlawful, fraudulent, or unauthorized purpose, or in a way that violates these Terms or any applicable laws.
4.1. All content on the Site, including text, graphics, logos, methodologies, and software, is owned by Caxithivellum or our licensors and protected by South Africans and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.
4.2. You retain ownership of any financial or personal information you provide. By submitting such information, you grant us a non-exclusive, royalty-free license to use, store, and process it to provide the Services.
5.1. To the maximum extent permitted by South Africans Consumer Law, Caxithivellum, its affiliates, and their respective directors, employees, or agents will not be liable for any indirect, incidental, consequential, or punitive damages, including loss of profits, data, or financial losses, arising out of or in connection with your use of the Site or Services.
5.2. Our total liability for any claim related to the Services is limited to the amount you paid for the Services in the preceding 12 months. We maintain professional indemnity insurance to cover certain liabilities, as required by law.
5.3. Nothing in these Terms excludes or limits our liability for guarantees under South Africans Consumer Law that cannot be excluded.
You agree to indemnify and hold harmless Caxithivellum, its affiliates, and their respective directors, employees, and agents from any claims, damages, or expenses, including reasonable legal fees, arising out of your use of the Site or Services, breach of these Terms, or violation of any third-party rights.
7.1. We may suspend or terminate your access to the Site or Services at our discretion, with or without notice, if you breach these Terms, engage in unlawful conduct, or for any other reason.
7.2. Upon termination, your right to access the Services will cease, but any provisions of these Terms that by their nature should survive (e.g., intellectual property, liability, indemnification) will remain in effect.
We will not be liable for any delay or failure to perform our obligations under these Terms due to events beyond our reasonable control, including natural disasters, government actions, pandemics, or technical failures.
9.1. These Terms are governed by the laws of New South Wales, South Africa. Any disputes arising out of or in connection with these Terms will be resolved exclusively in the courts of New South Wales, and you consent to their jurisdiction.
9.2. Before escalating a dispute to court, both parties agree to attempt resolution through good-faith negotiation or alternative dispute resolution (e.g., mediation) where appropriate.
We may update these Terms periodically to reflect changes in our practices, Services, or legal requirements. Updates will be posted on this page with a revised "Effective Date" and, for significant changes, we will provide 30 days’ notice via email or a notice on the Site. Your continued use of the Site or Services after such changes constitutes acceptance of the revised Terms.
If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, the remaining provisions will continue to be valid and enforceable to the fullest extent permitted by law.
These Terms, together with our Privacy Policy, Cookie Policy, and Financial Disclaimer, constitute the entire agreement between you and Caxithivellum regarding the Site and Services, superseding any prior agreements.
For questions, concerns, or requests regarding these Terms, please contact our Legal team at:
Email:
legal@caxithivellum.com
Phone: +27730940270
Address: Caxithivellum, 45 Henry St, Lilyfield NSW 2040, South Africa