Terms and Conditions

Acceptance of Terms

By accessing our website, booking consultations, or using our financial planning services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions and our Privacy Policy.

Definitions

For the purposes of these Terms and Conditions:

• "Services": Refers to all financial planning consultation, investment advice, and related services provided by Brumelionstudio
• "Client": Refers to any individual or entity engaging our financial planning consultation services
• "Agreement": Refers to these Terms and Conditions along with any consultation agreement or service contract

Use of Services

Our financial planning consultation services are provided subject to the following terms and conditions of use:

Prohibited Activities

The following activities are strictly prohibited when using our services:

Client Responsibilities

As a client of our financial planning services, you are responsible for:

• Providing accurate and complete financial information during consultations
• Maintaining the confidentiality of any login credentials or access information
• Notifying us promptly of any changes to your financial situation or contact information

Intellectual Property Rights

All content, materials, financial models, and consultation methodologies provided through our services remain the intellectual property of Brumelionstudio. Clients receive a limited license to use these materials for personal financial planning purposes only.

Payment Terms and Conditions

Payment for our financial planning consultation services is subject to the following terms:

Disclaimer of Warranties

Our financial planning services are provided "as is" without warranties of any kind. While we strive to provide accurate and helpful financial advice, we cannot guarantee specific investment outcomes or financial results. Past performance does not indicate future results.

Limitation of Liability

Brumelionstudio's liability for any claims arising from our financial planning services is limited to the amount paid for the specific consultation or service. We are not liable for consequential damages, investment losses, or indirect damages resulting from market conditions or economic factors.

Indemnification

Clients agree to indemnify and hold harmless Brumelionstudio from any claims, damages, or expenses arising from their use of our services, violation of these terms, or any investment decisions made based on our consultation services.

Termination of Services

Either party may terminate the consultation relationship with reasonable notice. Upon termination, clients remain responsible for any outstanding fees and must cease use of any proprietary materials or consultation content.

Governing Law and Jurisdiction

These Terms and Conditions are governed by the laws of South Africa. Any disputes arising from our services shall be resolved in the appropriate courts of South Africa, with jurisdiction in Johannesburg.

Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting on our website. Continued use of our services constitutes acceptance of modified terms.

Severability

If any provision of these Terms and Conditions is found to be unenforceable or invalid, the remaining provisions shall remain in full force and effect.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any signed consultation agreements, constitute the entire agreement between the parties regarding the use of our financial planning services.