Terms of Use

1. Acceptance of Terms

By accessing and using the kretavionagency financial services platform (kretavionagency.com), you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. These terms constitute a legally binding agreement between you and kretavionagency, governing your use of our debt management strategies platform and related services.

If you do not agree with any part of these terms, you must discontinue use of our platform immediately. Your continued use of our services after any modifications to these terms constitutes acceptance of the updated terms.

2. Service Description

kretavionagency provides educational resources, tools, and strategies focused on debt management for individuals and businesses operating within the South African financial landscape. Our platform offers:

• Educational content about debt management strategies and financial literacy
• Interactive tools for budgeting and debt analysis
• Learning programs designed to improve financial decision-making skills
• Resources for understanding South African financial regulations and practices
• Community support and guidance for debt management planning

3. User Responsibilities and Conduct

As a user of our platform, you agree to use our services responsibly and in accordance with applicable laws. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.

4. Privacy and Data Protection

We are committed to protecting your privacy and handling your personal information in accordance with South African data protection laws, including the Protection of Personal Information Act (POPIA). Our collection and use of your information is governed by our Privacy Policy, which forms part of these terms.

By using our services, you consent to the collection, use, and disclosure of your information as described in our Privacy Policy. We implement appropriate security measures to protect your personal and financial information from unauthorized access, alteration, disclosure, or destruction.

5. Educational Content and Disclaimers

All content provided on our platform is for educational purposes only and should not be considered as personalized financial advice. While we strive to provide accurate and up-to-date information, financial regulations and market conditions can change rapidly.

6. Limitation of Liability

kretavionagency shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of our platform or services. This includes, but is not limited to, damages for loss of profits, data, or other intangible losses.

Our total liability to you for all claims arising from or relating to these terms or your use of our services shall not exceed the amount you have paid to us in the twelve months preceding the claim.

7. Intellectual Property Rights

All content, features, and functionality on our platform, including but not limited to text, graphics, logos, images, and software, are the exclusive property of kretavionagency and are protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works of our content without express written permission. You are granted a limited, non-exclusive, non-transferable license to access and use our platform for personal, non-commercial purposes.

8. Service Modifications and Termination

We reserve the right to modify, suspend, or discontinue our services at any time without prior notice. We may also terminate or suspend your access to our platform if you violate these terms or engage in prohibited activities.

In the event of termination, your right to use our services will cease immediately, and you must discontinue all use of our platform and any downloaded materials.

9. Governing Law and Dispute Resolution

These terms are governed by the laws of South Africa. Any disputes arising from these terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the Arbitration Foundation of Southern Africa.

Before initiating formal dispute resolution, we encourage users to contact us directly to resolve any concerns or issues through informal discussion.

10. Updates to Terms

We may update these Terms of Use from time to time to reflect changes in our services, legal requirements, or business practices. We will notify users of material changes by posting the updated terms on our platform and updating the "Last Updated" date.

Your continued use of our services after any updates constitutes acceptance of the modified terms. We recommend reviewing these terms periodically to stay informed of any changes.