Terms & Conditions

Agreement to Terms

By accessing and using the Velmado website (velmado.com), you agree to be bound by these Terms and Conditions. If you disagree with any part of these terms, you may not access the website.

Our Services

Velmado provides educational content and information about financial literacy. We do not provide financial advice, investment recommendations, or financial services. All content is for educational purposes only.

Intellectual Property

The content on this website, including text, graphics, logos, and images, is the property of Velmado and is protected by South African and international copyright laws. You may not reproduce, distribute, or create derivative works without our express written permission.

User Conduct

When using our website, you agree to:

• Provide accurate information when subscribing to our services
• Not use the website for any unlawful purpose
• Not attempt to gain unauthorised access to our systems
• Not transmit any viruses or malicious code
• Not collect user data without consent

Limitation of Liability

Velmado shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from the use or inability to use our website or services. We do not guarantee the accuracy, completeness, or usefulness of any information on the website.

Indemnification

You agree to indemnify and hold Velmado harmless from any claims, damages, losses, or expenses arising from your use of the website or violation of these Terms and Conditions.

Governing Law

These Terms and Conditions are governed by the laws of the Republic of South Africa. Any disputes shall be resolved in the courts of South Africa.