Terms of Service

1. About Us and These Terms

These Terms of Service ("Terms") govern your use of the website at imvelowealth.co.za (the "Site") and any financial advisory services provided by Imvelo Wealth Solutions (Pty) Ltd ("Imvelo Wealth", "we", "us").

Imvelo Wealth Solutions is licensed and regulated by the Financial Sector Conduct Authority (FSCA) as a Financial Services Provider under the Financial Advisory and Intermediary Services Act, 37 of 2002 (FAIS Act). FSP Licence Number: 49944.

By accessing the Site or submitting an enquiry or consultation request, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Site.

2. Nature of Information on This Site

The content published on this Site, including resources and commentary, is provided for general educational and informational purposes only. It does not constitute personalised financial advice as defined under the FAIS Act.

Nothing on this Site constitutes:

• A solicitation or offer to buy or sell any financial product.
• A recommendation specific to your personal circumstances.
• Tax, legal, or accounting advice.

Before acting on any information published on this Site, you should obtain personalised financial advice from a licensed financial adviser who has conducted a needs analysis appropriate to your circumstances.

3. Financial Advisory Services

Where you engage Imvelo Wealth Solutions for financial advisory services, a separate written mandate or client agreement will govern that relationship. The following applies to our advisory engagements:

• Fees and scope: Fees, service levels, and engagement scope should be disclosed in the applicable client mandate, proposal, or advice documentation before work proceeds.
• FAIS obligations: In providing advice, we comply with the General Code of Conduct for Authorised Financial Services Providers (Board Notice 80 of 2003), including the obligation to act in your best interests, conduct a needs analysis, and disclose all material information.
• Product risk: All investments involve risk, including the risk of loss of capital. Past performance is not indicative of future results. Market values fluctuate and are not guaranteed.
• Client profile: Our services are available to individuals who are residents of South Africa or South African citizens investing from abroad, subject to applicable exchange control regulations.

4. Consultation Requests

Submitting a consultation request through our website does not create a client relationship, financial advisory mandate, or contractual obligation of any kind. A consultation request is a request for us to make contact with you to explore whether our services are appropriate for your needs.

By submitting a consultation request, you consent to us contacting you via the contact details you provide for the purpose of scheduling and conducting the consultation. For details on how we handle the personal information you submit, see our Privacy Policy.

5. Acceptable Use of the Site

You agree not to:

• Use the Site for any unlawful purpose or in violation of any applicable South African law.
• Attempt to gain unauthorised access to any system or data associated with the Site.
• Use automated means (scrapers, bots) to extract content from the Site without our prior written consent.
• Impersonate any person or entity or misrepresent your affiliation with any person or entity.
• Post, transmit, or submit any material that is false, misleading, defamatory, or harmful.

6. Intellectual Property

All content on this Site — including text, articles, tools, logos, design, and code — is the intellectual property of Imvelo Wealth Solutions or its licensors and is protected under South African and international copyright law.

You may view and print content for your own personal, non-commercial use. You may not reproduce, republish, distribute, sell, or create derivative works from any content on this Site without our prior written consent.

7. Limitation of Liability

To the maximum extent permitted by applicable South African law:

• The Site and its content are provided "as is" without warranties of any kind, express or implied, including fitness for a particular purpose or accuracy.
• Imvelo Wealth Solutions will not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of or reliance on the Site or its content.
• Our liability for any cause of action arising from the provision of financial advisory services is limited to the fees paid by you in connection with the specific advice giving rise to the claim, except where such limitation is prohibited by the Consumer Protection Act, 68 of 2008, or the FAIS Act.

Nothing in these Terms excludes or limits our liability for fraud, gross negligence, or any liability that cannot be excluded under applicable law.

8. Third-Party Links

The Site may contain links to third-party websites for your convenience. We do not control and are not responsible for the content, privacy practices, or reliability of any third-party site. Links do not constitute an endorsement of those sites or their content.

9. FAIS Complaints and Ombud

If you have a complaint about financial advice or services provided by Imvelo Wealth Solutions, please contact us in the first instance at admin@imvelowealth.co.za. Complaint handling timelines and escalation steps should be read together with Imvelo’s current compliance documentation.

If your complaint is not resolved to your satisfaction, you may escalate it to the:

• FAIS Ombud: The Office of the FAIS Ombud resolves disputes between consumers and financial services providers. Website: faisombud.co.za
• FSCA: Financial Sector Conduct Authority. Website: fsca.co.za

10. Governing Law and Jurisdiction

These Terms are governed by the laws of the Republic of South Africa. Any dispute arising from these Terms or your use of the Site will be subject to the jurisdiction of the South Gauteng High Court, Johannesburg, unless otherwise required by applicable law.

11. Changes to These Terms

We may update these Terms from time to time. Material changes will be communicated by posting the revised Terms on this page with an updated date. Your continued use of the Site after such changes constitutes acceptance of the revised Terms.

12. Contact

For questions about these Terms, contact us at:

• Email: info@imvelowealth.co.za / admin@imvelowealth.co.za
• Address: Johannesburg, South Africa