Terms of Use
These terms govern your use of the elvaris.pro website and set out the basis on which Elvaris Financial Consulting (Pty) Ltd provides information and services to visitors and clients.
Who we are
This website is owned and operated by Elvaris Financial Consulting (Pty) Ltd, trading as Elvaris & Co, a private company duly incorporated under the laws of South Africa.
Acceptance of these terms
By accessing or using this website, you agree to be bound by these Terms of Use, our Privacy Policy and our Cookie Policy. If you do not agree with any part of these terms, please discontinue use of the website. These terms are drafted in accordance with the Electronic Communications and Transactions Act 25 of 2002 (ECTA) and the Consumer Protection Act 68 of 2008 (CPA), to the extent applicable.
Nature of the content on this site
The content published on this website — including articles, illustrations, case narratives and general commentary on retirement, wealth and estate planning — is provided for general informational purposes only. It does not constitute personalised financial, tax, legal or investment advice, and should not be relied upon as such.
Any financial advice actually rendered to a client is provided only after a formal engagement, a needs analysis and appropriate disclosure documentation, in accordance with the Financial Advisory and Intermediary Services Act 37 of 2002 (FAIS) and related regulation. Nothing on this website constitutes an offer, solicitation or recommendation to buy or sell any financial product.
Permitted use of the website
You may view, download and print pages of this site for your own personal, non-commercial reference.
You may quote short excerpts of our published content elsewhere, provided the source is clearly attributed to Elvaris & Co.
You may not reproduce, republish or redistribute substantial portions of this website for commercial purposes without our prior written consent.
You may not attempt to interfere with the security, integrity or normal operation of this website, including by way of unauthorised access, scraping or malicious code.
Intellectual property
All text, graphics, logos, the Elvaris & Co wordmark and mark, and the layout and design of this website are the property of Elvaris Financial Consulting (Pty) Ltd or its licensors, and are protected under South African copyright and trade mark law. No right, title or interest in this content is transferred to you by virtue of accessing the site.
Enquiries submitted through this site
Submitting an enquiry through our contact form does not, by itself, create a client relationship or an obligation on either party to proceed. A formal advisory relationship begins only once both parties have signed the relevant engagement and disclosure documentation required under FAIS.
We aim to respond to all enquiries within two business days. Information you submit through our forms is processed in accordance with our Privacy Policy, which is governed by the Protection of Personal Information Act 4 of 2013 (POPIA).
Limitation of liability
While we take reasonable care to ensure the accuracy of information published on this website, we make no warranty, express or implied, as to its completeness, accuracy or currency. Markets, legislation and tax treatment referenced on this site may change without notice.
To the maximum extent permitted by South African law, Elvaris Financial Consulting (Pty) Ltd shall not be liable for any direct, indirect or consequential loss arising from your use of, or reliance upon, this website or its content. Nothing in these terms limits liability that cannot lawfully be excluded, including liability arising from gross negligence or wilful misconduct.
Links to third-party websites
This website may contain links to third-party websites for your convenience. We do not control and are not responsible for the content, privacy practices or availability of any linked third-party site, and inclusion of a link does not imply endorsement.
Amendments to these terms
We may update these Terms of Use from time to time to reflect changes in our services, our practices or applicable law. The version published on this page at the time of your visit governs your use of the site. We encourage you to review this page periodically.
Governing law and jurisdiction
These Terms of Use are governed by the laws of the Republic of South Africa. Any dispute arising from or relating to your use of this website shall be subject to the non-exclusive jurisdiction of the courts of the Western Cape Division, Cape Town.
Questions about these terms?
Contact our team and we will be glad to clarify any part of this policy.