Terms and Conditions

These Terms and Conditions govern your use of orquanthorix.com's financial planning subscription services. By accessing our website or using our services, you agree to be bound by these terms. Services: orquanthorix.com provides financial planning subscription services including budgeting assistance, investment guidance, and retirement planning. Our services are for informational and educational purposes and do not constitute professional financial advice. Subscription terms: Our services are provided on a monthly subscription basis. Payment is due in advance each month. You may cancel your subscription at any time with 30 days written notice. Cancellation takes effect at the end of your current billing period. Fees and payment: Subscription fees are charged monthly in South African Rand. All fees are non-refundable except as required by law. We reserve the right to change our fees with 30 days notice. Payment must be made by the due date to continue receiving services. User obligations: You agree to provide accurate and complete information, maintain the confidentiality of your account, use our services lawfully and ethically, and notify us immediately of any unauthorized use of your account. Intellectual property: All content on our website and in our services is owned by orquanthorix.com or our licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission. Limitation of liability: Our services are provided "as is" without warranties of any kind. We do not guarantee specific financial results. Our liability is limited to the amount you paid for our services in the 12 months preceding any claim. Disclaimer: Financial planning involves risk and past performance does not guarantee future results. You should consult with qualified professionals before making financial decisions. We are not responsible for investment losses or financial decisions made based on our guidance. Governing law: These terms are governed by South African law. Any disputes will be resolved through the courts of South Africa. Privacy: Your privacy is important to us. Please review our Privacy Policy to understand how we collect and use your information. Termination: We may terminate your subscription immediately if you breach these terms or engage in fraudulent activity. Upon termination, your access to our services will cease. Amendments: We may modify these terms at any time by posting updated terms on our website. Continued use of our services constitutes acceptance of modified terms. Contact: For questions about these terms, contact us at info@orquanthorix.com or +27 11 234 5678, or write to us at 123 Financial District, Sandton, Johannesburg, 2196, South Africa.