Terms and Conditions

Effective Date: June 21, 2025

1. Agreement to Terms By accessing and using Yarenthilovus, you agree to be bound by these Terms and Conditions and all applicable laws and regulations of South Africa.

2. Description of Services Yarenthilovus provides financial planning consultation services, including one-time financial plan development, budget analysis, and investment guidance. Services are provided by qualified financial professionals.

3. Service Fees and Payment

  • Consultation fees range from R3,500 to R18,000 depending on the service package selected
  • Payment is required before service delivery unless otherwise agreed
  • All fees are inclusive of VAT where applicable
  • Refunds are subject to our refund policy outlined in Section 8

4. Client Responsibilities You agree to:

  • Provide accurate and complete information
  • Respond promptly to requests for additional information
  • Implement recommendations at your own discretion and risk
  • Maintain confidentiality of proprietary methodologies

5. Professional Standards Our financial planners adhere to professional standards and ethical guidelines. However, financial planning involves inherent risks, and we cannot guarantee specific outcomes or returns on investments.

6. Limitation of Liability To the maximum extent permitted by South African law:

  • We are not liable for investment losses or financial decisions made based on our recommendations
  • Our total liability is limited to the fees paid for services
  • We are not responsible for third-party actions or market conditions

7. Intellectual Property All content, methodologies, and materials provided remain the intellectual property of Yarenthilovus. You may not reproduce, distribute, or use our proprietary information without written consent.

8. Cancellation and Refunds

  • Services may be cancelled up to 48 hours before the scheduled consultation
  • Refunds for cancelled services will be processed within 7 business days
  • No refunds are available after service delivery has commenced
  • Partial refunds may be considered in exceptional circumstances

9. 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.

10. Dispute Resolution Any disputes arising from these terms will be resolved through:

  • Initial good faith negotiation
  • Mediation if negotiation fails
  • Arbitration under the rules of the Arbitration Foundation of Southern Africa
  • South African courts as a final resort

11. Governing Law These terms are governed by the laws of South Africa. Any legal proceedings will be conducted in the appropriate South African courts.

12. Regulatory Compliance Our services comply with relevant South African financial services regulations. We are committed to maintaining all required licenses and professional memberships.

13. Force Majeure We are not liable for delays or failures in performance due to circumstances beyond our reasonable control, including natural disasters, government actions, or technical failures.

14. Severability If any provision of these terms is deemed invalid or unenforceable, the remaining provisions will continue in full force and effect.

15. Contact Information For questions regarding these terms, contact us at:

16. Amendments We reserve the right to modify these terms at any time. Changes will be posted on our website with an updated effective date. Continued use of our services constitutes acceptance of modified terms.