Terms and Conditions

Welcome to keltramorisa.com Financial Planning Services. These Terms and Conditions govern your use of our website and financial planning services. By accessing our services, you agree to be bound by these terms. Last updated: June 24, 2025.

Last updated: June 6, 2025

Acceptance of Terms

By using keltramorisa.com services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

If you do not agree with any part of these terms, you must not use our services.

Definitions

For the purposes of these Terms and Conditions:

• "Service" refers to financial planning consultations and related advisory services provided by keltramorisa.com
• "User" or "Client" refers to any individual or entity accessing our services
• "Content" includes all information, advice, documents, and materials provided through our services

Use License

keltramorisa.com grants you a limited, non-exclusive, non-transferable license to:

• Access and use our financial planning services for personal purposes
• Receive and implement financial advice provided during consultations

This license does not include the right to resell, redistribute, or commercially exploit our services or content.

User Responsibilities

As a user of our services, you agree not to:

• Provide false or misleading financial information
• Use our services for any unlawful or fraudulent purposes
• Share confidential advice with unauthorized parties
• Attempt to reverse-engineer or copy our proprietary methodologies

Intellectual Property Rights

All content, including financial models, planning templates, and analytical tools, remains the exclusive property of keltramorisa.com.

Users may not reproduce, distribute, or create derivative works without express written permission.

Payment Terms

Financial planning consultation fees are as follows:

Refund Policy

Refunds may be considered within 14 days of service delivery if the client is not satisfied with the quality of advice provided. Each case is evaluated individually based on specific circumstances.

Limitation of Liability

keltramorisa.com's liability for any claim arising from our services shall not exceed the total amount paid by the client for the specific consultation in question.

We are not liable for investment losses or financial decisions made based on our advice.

Indemnification

Clients agree to indemnify and hold keltramorisa.com harmless from any claims, damages, or expenses arising from their use of our services or implementation of provided advice.

Termination

Either party may terminate the service relationship with 30 days written notice.

Upon termination, all obligations cease except for payment of outstanding fees and confidentiality obligations.

Governing Law

These Terms and Conditions are governed by the laws of South Africa. Any disputes will be subject to the exclusive jurisdiction of South African courts.

Dispute Resolution

We encourage resolution of disputes through direct communication before pursuing legal action.

If necessary, disputes will be resolved through mediation or arbitration in Johannesburg, South Africa.

Modifications to Terms

keltramorisa.com reserves the right to modify these Terms and Conditions at any time.

Users will be notified of significant changes via email or website notice.

Severability

If any provision of these Terms and Conditions is deemed invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Entire Agreement

These Terms and Conditions constitute the entire agreement between keltramorisa.com and the client regarding the use of our financial planning services.

Contact Information

For questions about these Terms and Conditions, please contact us at info@keltramorisa.com or +27 72 456 7890.