Terms of Use

1. Introduction

Welcome to FinTech Nexus. These Terms of Use govern your access to and use of our website, fintechnexus.co.za (the "Site").

By accessing or using our Site, you agree to be bound by these Terms of Use. If you do not agree to these Terms of Use, please do not access or use the Site.

2. Definitions

Throughout these Terms of Use, the following terms shall have the meanings assigned to them below:

• "Content" means all information, text, graphics, images, videos, data, and other materials contained on or available through the Site.
• "User" or "you" means any individual who accesses or uses the Site.
• "We," "us," or "our" refers to FinTech Nexus, the operator of the Site.
• "Site" means the website located at fintechnexus.co.za and all associated pages.

3. Informational Purpose

The Site is provided for informational and educational purposes only. The Content on the Site is not intended to be a substitute for professional financial advice, and you should not rely solely on the information provided on the Site to make financial decisions.

We do not:

• Provide financial or investment advice
• Recommend specific financial products or services
• Make promises about financial returns or outcomes
• Provide any form of financial intermediary services

You should consult with qualified financial professionals before making any financial decisions or implementing any strategies discussed on the Site.

4. Intellectual Property Rights

The Site and its Content, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, and software, are the property of FinTech Nexus or its content suppliers and are protected by South African and international copyright, trademark, and other intellectual property laws.

4.1 Use of Content

You may access, download, and print Content from the Site for your personal, non-commercial use, provided that you:

• Do not modify the Content
• Do not remove any copyright or other proprietary notices
• Do not use the Content in a manner that suggests an association with our products, services, or brands
• Do not use the Content for any commercial purpose

4.2 Prohibited Uses

You may not:

• Reproduce, duplicate, copy, sell, resell, or exploit any portion of the Site without our express written permission
• Use the Site or its Content for any commercial purpose
• Use any data mining, robots, or similar data gathering and extraction tools on the Site
• Frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information
• Use any meta tags or any other "hidden text" utilizing our name or trademarks

5. User Conduct

When using the Site, you agree to:

• Comply with all applicable laws and regulations
• Respect the rights of others
• Not interfere with the operation of the Site
• Not attempt to gain unauthorized access to the Site, user accounts, or computer systems
• Not engage in any activity that could disable, overburden, or impair the Site

6. User Submissions

If you submit information through our contact forms or other interactive features on the Site, you grant us a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout the world in any media.

You represent and warrant that:

• You own or control all rights to the content you submit
• The content is accurate and not misleading
• The content does not violate these Terms of Use or any applicable law
• The content will not cause injury to any person or entity

We have the right, but not the obligation, to monitor and edit or remove any content submitted to the Site.

7. Disclaimers

7.1 Content Accuracy

While we strive to provide accurate and up-to-date information, we make no representations or warranties about the accuracy, reliability, completeness, or timeliness of the Content on the Site. The Content may contain technical inaccuracies or typographical errors.

7.2 Educational Information

The educational materials on the Site are intended to provide general information about financial technology concepts and are not tailored to any individual's specific circumstances. The relevance and applicability of information may vary based on individual situations.

7.3 External Links

The Site may contain links to external websites that are not under our control. We are not responsible for the content of any linked website and do not endorse the linked sites or their content. You access external links at your own risk.

7.4 General Disclaimer

THE SITE AND ITS CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

8. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, UNDER NO CIRCUMSTANCES SHALL FINTECH NEXUS, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SITE
• ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SITE
• ANY CONTENT OBTAINED FROM THE SITE
• UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT

WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, WHETHER OR NOT WE HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE, AND EVEN IF A REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.

9. Indemnification

You agree to defend, indemnify, and hold harmless FinTech Nexus, its officers, directors, employees, and agents, from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms of Use or your use of the Site, including, but not limited to, any use of the Site's Content other than as expressly authorized in these Terms of Use.

10. Governing Law and Jurisdiction

These Terms of Use shall be governed by and construed in accordance with the laws of South Africa, without regard to its conflict of law provisions. You agree to submit to the personal and exclusive jurisdiction of the courts located within South Africa for the resolution of any disputes arising out of or relating to these Terms of Use or your use of the Site.

11. Changes to Terms of Use

We reserve the right to modify or replace these Terms of Use at any time at our sole discretion. The most current version will be posted on the Site with the "Last Updated" date. Your continued use of the Site after any such changes constitutes your acceptance of the new Terms of Use.

12. Termination

We may terminate or suspend your access to the Site immediately, without prior notice or liability, for any reason whatsoever, including, without limitation, if you breach these Terms of Use. Upon termination, your right to use the Site will immediately cease.

13. Severability

If any provision of these Terms of Use is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced to the fullest extent under law.

14. Entire Agreement

These Terms of Use, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and FinTech Nexus regarding the use of the Site.

15. Contact Information

If you have any questions about these Terms of Use, please contact us at: