Acceptance of terms

By accessing or using lundavira.sbs, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you should not use the site. Your continued use of Lundavira after changes have been posted will constitute your acceptance of the updated terms, so please review this page periodically.

Use of the site

You may use the site for personal, non-commercial purposes in accordance with these terms. You agree not to misuse the content, tools, or features provided, and to respect any technical limitations designed to protect the site and its users. We may modify, suspend, or discontinue parts of the site at any time without prior notice.

Your responsibilities

Your use of Lundavira comes with certain responsibilities aimed at ensuring a respectful, secure, and constructive environment for all visitors.

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  You are responsible for ensuring that any information you provide to us is accurate and up to date, and for maintaining the confidentiality of any credentials or identifiers associated with your use of the site.

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  You are responsible for how you interpret and use the content on Lundavira. The site provides general information only, and you should consider your own circumstances and seek professional advice where appropriate. Results may vary, and you remain responsible for your own decisions.

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  If you choose to share content from Lundavira with others, you are responsible for doing so in a way that respects their privacy and understanding, and for clarifying that the information is general in nature and not tailored to their situation.

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  You are responsible for complying with all applicable laws and regulations in your jurisdiction when accessing or using the site, including any rules related to online conduct, data protection, and consumer rights.

Prohibited uses

To protect the integrity and security of Lundavira, certain types of conduct are not allowed when using the site. The following list provides examples of prohibited uses, which may result in suspension or termination of access.

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  You may not use the site for any unlawful purpose, including but not limited to violating any local, national, or international law or regulation.

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  You may not attempt to gain unauthorised access to the site, its servers, or any associated systems, or interfere with the security or integrity of the site through hacking, malware, or other harmful activities.

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  You may not use the site to transmit, distribute, or store any material that is defamatory, offensive, or otherwise objectionable, or that infringes the rights of others, including privacy and intellectual property rights.

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  You may not use automated tools, such as bots or scrapers, to access, monitor, or copy content from the site in a manner that could disrupt normal operations or exceed reasonable usage limits.

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  You may not misrepresent your identity or affiliation when communicating with us, or use the site in a way that could damage, disable, overburden, or impair its functioning for other users.

User content

If the site allows you to submit content, such as comments or feedback, you are responsible for ensuring that your contributions are lawful, respectful, and appropriate. We may moderate, edit, or remove user content at our discretion, particularly if it violates these terms or applicable law.

General disclaimer

The site provides general information about personal finance topics and related tools. It does not offer personalised financial, legal, tax, or investment advice, and you remain responsible for any decisions you make based on the content. Please read our separate Disclaimer for more detail on the limits of our information and tools.

Limitation of liability

To the fullest extent permitted by law, Lundavira and its contributors will not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or in connection with your use of the site, even if we have been advised of the possibility of such damages. Our total liability for any claims relating to the site will be limited to the extent permitted under applicable law.

Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless Lundavira and its contributors from any claims, losses, damages, liabilities, and expenses, including reasonable legal fees, arising out of your use of the site, your violation of these terms, or your infringement of any rights of a third party. This obligation will continue to apply even after you stop using the site.

Dispute resolution

We aim to resolve concerns about the site or these terms in a fair and constructive way. If a dispute arises, we encourage you to contact us first so we can try to address the issue informally.

Arbitration and alternative dispute resolution

Where permitted by law, you and Lundavira may agree to resolve certain disputes through arbitration or another alternative dispute resolution process instead of through the courts. Any such process would be conducted in a fair and neutral manner, with an independent decision-maker, and in accordance with applicable rules. Participation in arbitration will not limit any non-waivable rights you have under consumer protection laws.

If arbitration is used, both parties will generally bear their own costs, subject to any allocation ordered by the arbitrator or required by law.

Governing law

These Terms and Conditions, and any dispute arising out of or relating to your use of Lundavira, are governed by the laws of South Africa, without giving effect to conflict-of-law principles. This does not affect any rights you may have under mandatory consumer protection laws that apply in your jurisdiction.

Termination

We may suspend or terminate your access to the site, in whole or in part, if we reasonably believe you have violated these terms, engaged in unlawful activity, or compromised the security or integrity of the site. Where appropriate, we will provide notice of such action. You may stop using the site at any time.

Changes to these terms

We may update these Terms and Conditions from time to time, for example to reflect changes in our services, legal requirements, or operational practices. When we make material changes, we will update the effective date at the top of this page. Your continued use of the site after changes take effect will constitute your acceptance of the revised terms.

Severability

If any provision of these terms is found to be invalid, unlawful, or unenforceable by a court or other competent authority, that provision will be severed from the remaining terms, which will continue in full force and effect as far as possible.

Entire agreement

These Terms and Conditions, together with our Privacy Policy, Cookie Policy, and Disclaimer, constitute the entire agreement between you and Lundavira regarding your use of the site. They supersede any prior or contemporaneous understandings, whether written or oral, relating to the same subject matter, except where additional terms are expressly stated to apply to specific features.