Terms and Conditions

Service Agreement

These terms and conditions govern your use of Knowledgewink's financial planning subscription service. By subscribing to our investment portfolio management services, you agree to these terms.

Please read these terms carefully before using our financial planning services.

Last Updated: June 30, 2025

Definitions

For the purpose of these terms:

• Service: Our financial planning subscription including investment portfolio management, retirement planning, and wealth building guidance
• Subscriber: Any individual who pays for and uses our financial planning subscription service
• Platform: Our online financial planning tools, resources, and subscriber portal
• Advisor: Licensed financial professionals providing guidance through our service

Use of Service

Our financial planning subscription service is provided subject to the following usage terms:

Permitted Use

• Access financial planning tools and investment portfolio guidance
• Receive personalized retirement planning and wealth management advice
• Use educational resources and market analysis provided through our platform

Prohibited Use

• Sharing account credentials or allowing unauthorized access to your account
• Using our service for illegal activities or fraudulent purposes
• Copying or redistributing our proprietary financial planning content
• Attempting to reverse engineer or compromise our platform security

Account Management

When you create an account with our financial planning service:

• You are responsible for maintaining the confidentiality of your account information
• You must provide accurate financial information for proper service delivery
• You agree to notify us immediately of any unauthorized account access

Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy.

Privacy Policy privacy-policy.html

Payment Terms

Financial planning subscription fees:

• Monthly subscription fee of R450 is charged in advance
• Payments are processed securely through our payment partners
• You may cancel your subscription at any time with 30 days notice

Service Termination

Either party may terminate this agreement with 30 days written notice. We may terminate immediately for breach of terms.

Upon termination, access to financial planning tools and advisor support will cease.

Indemnification

You agree to indemnify Knowledgewink against any claims arising from your use of our financial planning service or breach of these terms.

Governing Law

These terms are governed by the laws of South Africa.

Any disputes will be resolved in the courts of South Africa.

Changes to Terms

We may update these terms at any time. Changes will be posted on our website and communicated to subscribers.

Continued use of our service after changes constitutes acceptance of new terms.

Severability

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

Entire Agreement

These terms constitute the entire agreement between you and Knowledgewink regarding your use of our financial planning subscription service.