Terms of Service

1. Acceptance of Terms

By accessing and using the Lekker Finance website ("Website"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. About Lekker Finance

Lekker Finance is a South African financial education website that provides articles, insights, and educational content about personal finance, investing, and money management. We are committed to making financial literacy accessible to all South Africans.

3. Educational Content Only

4. Use License

4.1 Permitted Use

Permission is granted to temporarily access and view the materials on Lekker Finance for personal, non-commercial use only. This is the grant of a license, not a transfer of title, and under this license you may:

• Read and share our articles for educational purposes
• Subscribe to our newsletter
• Comment on our content (when available)
• Reference our content with proper attribution

4.2 Prohibited Use

You may not:

• Modify or copy the materials without permission
• Use the materials for any commercial purpose
• Remove any copyright or proprietary notations
• Transfer the materials to another person
• Reproduce, duplicate, or redistribute large portions of content
• Use automated systems to scrape our content

5. Investment and Financial Risks

5.1 No Investment Advice

Lekker Finance does not provide personalized investment advice. All investment and financial decisions are made at your own risk. Past performance does not guarantee future results.

5.2 JSE and Investment Risks

Investing in the Johannesburg Stock Exchange (JSE) and other financial markets carries inherent risks, including the potential loss of principal. Market conditions can change rapidly, and investment values can fluctuate significantly.

5.3 Cryptocurrency Risks

Cryptocurrency investments are highly volatile and speculative. Regulatory environments, including those enforced by the South African Reserve Bank (SARB) and South African Revenue Service (SARS), can change rapidly.

6. Third-Party Content and Links

Our website may contain links to third-party websites, services, or advertisements. We do not endorse or assume responsibility for the content, privacy policies, or practices of any third-party sites or services.

6.1 Advertising

We display third-party advertisements on our website through Google AdSense and other advertising networks. These ads are not endorsements of the products or services advertised.

7. User-Generated Content

If you submit comments, feedback, or other content to our website, you grant us a non-exclusive, royalty-free license to use, modify, and display such content. You are responsible for ensuring your content:

• Does not violate any laws or regulations
• Does not infringe on others' rights
• Is not offensive, harmful, or inappropriate
• Does not contain spam or promotional content

8. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which complies with the Protection of Personal Information Act (POPIA). By using our website, you consent to our data practices as described in our Privacy Policy.

9. Disclaimers and Limitation of Liability

9.1 Website Availability

We strive to maintain website availability but do not guarantee uninterrupted access. The website may be temporarily unavailable due to maintenance, technical issues, or other factors beyond our control.

9.2 Accuracy of Information

While we make every effort to ensure the accuracy of our content, we do not warrant the completeness, reliability, or accuracy of any information on our website. Financial markets and regulations change frequently, and information may become outdated.

9.3 Limitation of Liability

To the fullest extent permitted by South African law, Lekker Finance shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from:

• Use or inability to use our website
• Reliance on any information provided
• Financial decisions made based on our content
• Technical issues or website downtime
• Third-party content or advertisements

10. Indemnification

You agree to indemnify and hold harmless Lekker Finance, its contributors, and affiliates from any claims, damages, or expenses arising from your use of the website or violation of these terms.

11. South African Law and Jurisdiction

These terms shall be governed by and construed in accordance with the laws of South Africa. Any disputes arising from these terms or your use of the website shall be subject to the exclusive jurisdiction of the courts of South Africa.

12. Intellectual Property

All content on this website, including articles, images, logos, and design elements, is the intellectual property of Lekker Finance or its licensors and is protected by South African and international copyright laws.

13. Newsletter and Marketing

By subscribing to our newsletter, you consent to receive periodic emails with financial tips, market insights, and updates about our content. You may unsubscribe at any time using the unsubscribe link in our emails.

14. Termination

We may terminate or suspend your access to our website immediately, without prior notice, for conduct that we believe violates these terms or is harmful to other users, us, or third parties.

15. Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website after any changes constitutes acceptance of the new terms.

16. Severability

If any provision of these terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the remaining terms will remain in full force and effect.

17. Contact Information

Thank you for choosing Lekker Finance as your trusted source for financial education. Together, let's make money management lekker for all South Africans!