Terms and Conditions

1. Services Description

klynorivthivara.com provides financial coaching and capital management education services. Our services include:

• Personalized coaching sessions
• Financial planning guidance
• Educational resources

2. Service Limitations

• Our services are educational and coaching-based
• We do not provide specific investment advice
• We are not licensed financial advisors or brokers
• All investment decisions remain your responsibility

3. Payment Terms

• Coaching fees are R350 per course as advertised
• Payment is due prior to service delivery
• Refunds are subject to our refund policy
• Prices may change with 30 days notice

4. Client Responsibilities

• Provide accurate financial information
• Attend scheduled coaching sessions
• Implement strategies at your own discretion
• Maintain confidentiality of proprietary methods

5. Intellectual Property

• All content on this website is owned by klynorivthivara.com
• Coaching materials and methods are proprietary
• You may not reproduce or distribute our content
• Trademarks and logos are protected

6. Disclaimers

• No guarantee of specific financial results
• Past performance does not indicate future results
• Market conditions can affect outcomes
• Professional advice should be sought for complex matters

7. Limitation of Liability

klynorivthivara.com's liability is limited to the amount paid for services. We are not liable for:

• Investment losses or financial decisions
• Indirect or consequential damages
• Third-party actions or advice
• Technical issues or service interruptions

8. Privacy and Confidentiality

• Client information is kept confidential
• We comply with applicable privacy laws
• Information sharing is limited as per our Privacy Policy

9. Termination

Either party may terminate the coaching relationship with written notice. Upon termination:

• Outstanding fees remain due
• Confidentiality obligations continue
• Access to materials may be revoked

10. Governing Law

These terms are governed by South African law. Any disputes will be resolved in South African courts.

11. Force Majeure

We are not liable for delays or failures due to circumstances beyond our control, including natural disasters, government actions, or technical failures.

12. Modifications

We reserve the right to modify these terms with reasonable notice. Continued use of our services constitutes acceptance of modified terms.

13. Severability

If any provision of these terms is found unenforceable, the remaining provisions will continue in effect.

14. Contact Information

For questions about these terms, contact us at:

• Email: legal@klynorivthivara.com
• Phone: +27 21 555 0123
• Address: 123 Financial District, Cape Town, 8001, South Africa