1. Definitions: "We," "us," or "our" refers to Quintheraluxis. "You" or "your" refers to the user of our website or services. "Services" refers to our financial planning consultations and related offerings.
2. Services Description: We provide financial planning consultations, investment advice, and related financial services to individuals and businesses in South Africa. Our services are provided by qualified financial advisors and planners.
3. Professional Relationship: Our services create a professional advisor-client relationship. We are authorized financial services providers under South African law and comply with all applicable regulations including the Financial Advisory and Intermediary Services Act (FAIS).
4. Service Fees: Consultation fees range from R3,000 to R15,000 depending on the complexity and scope of services required. All fees are quoted upfront and must be paid before service delivery unless otherwise agreed in writing.
5. Client Responsibilities: You agree to provide accurate and complete financial information necessary for our analysis. You are responsible for implementing recommendations and keeping us informed of material changes to your financial situation.
6. Limitations of Service: Our advice is based on information you provide and market conditions at the time of consultation. We cannot guarantee specific financial outcomes or investment performance. Past performance does not indicate future results.
7. Confidentiality: We maintain strict confidentiality of all client information in accordance with professional standards and applicable privacy laws. Client information will not be disclosed without consent except as required by law.
8. Liability Limitations: Our liability is limited to the fees paid for our services. We are not liable for indirect, consequential, or punitive damages. Our professional indemnity insurance covers claims arising from professional negligence.
9. Intellectual Property: All content on our website, including text, graphics, logos, and software, is owned by Quintheraluxis and protected by copyright laws. You may not reproduce or distribute our content without written permission.
10. Website Use: You agree to use our website only for lawful purposes and not to engage in any activity that could harm our systems or other users. We reserve the right to terminate access for violations of these terms.
11. Privacy: Your personal information is protected under our Privacy Policy, which forms part of these terms. We comply with the Protection of Personal Information Act (POPIA).
12. Dispute Resolution: Any disputes will be resolved through good faith negotiations. If unresolved, disputes will be subject to mediation and, if necessary, arbitration under South African law.
13. Governing Law: These terms are governed by South African law and subject to the jurisdiction of South African courts.
14. Regulatory Compliance: We are licensed and regulated by the Financial Sector Conduct Authority (FSCA). Complaints can be lodged with the FSCA or the Financial Services Ombud.
15. Amendment: We reserve the right to modify these terms at any time. Material changes will be communicated through our website or direct notification.
16. Severability: If any provision of these terms is found unenforceable, the remaining provisions will continue in full force and effect.
17. Contact Information: For questions about these terms, contact us at info@quintheraluxis.com or +27 11 284 1604.
These terms are effective as of June 21, 2025 and supersede all previous versions.