Terms and Conditions

Terms and Conditions for Investment Consulting Services

These Terms and Conditions govern your use of Nivrestahub investment consulting services, website, and any related financial advisory interactions. By engaging our services or using our website, you agree to be bound by these terms and conditions.

Last Updated: May 21, 2025

Effective Date: May 21, 2025

Acceptance of Terms

By accessing our website, scheduling consultations, or receiving investment advisory services from Nivrestahub, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions along with our Privacy Policy and Investment Disclaimer.

If you do not agree with these terms, please discontinue use of our services immediately.

Definitions

The following terms have specific meanings in this agreement:

Services: Investment consulting, financial advisory, portfolio analysis, and wealth planning services provided by Nivrestahub
Client: Any individual or entity that engages our investment consulting services or uses our website
Consultation: Scheduled advisory sessions providing personalized investment guidance and financial planning recommendations
Platform: Our website, online tools, and any digital resources used to deliver investment consulting services

Use of Services

Your use of our investment consulting services is subject to the following conditions:

Permitted Use

Access investment consulting services for personal or business financial planning purposes
Use our website resources and educational materials for investment research and decision-making
Schedule consultations and engage with our advisory team for legitimate financial planning needs

Prohibited Use

Sharing login credentials or consultation materials with unauthorized third parties
Using our services for illegal activities, market manipulation, or fraudulent investment schemes
Attempting to reverse engineer, copy, or redistribute our proprietary investment analysis tools
Providing false or misleading information about your financial situation or investment objectives

Intellectual Property Rights

All content, investment methodologies, analysis frameworks, and proprietary tools used in our consulting services remain the exclusive intellectual property of Nivrestahub. This includes research reports, portfolio recommendations, and customized financial planning materials.

Clients receive limited usage rights for personal investment purposes only.

Client Information and Content

By providing personal and financial information for our consulting services, you represent that:

All information provided is accurate, complete, and current to the best of your knowledge
You have the legal right to share financial information and make investment decisions
You will promptly update us of any material changes to your financial situation or investment objectives

Privacy and Confidentiality

We are committed to protecting your privacy and maintaining confidentiality of your financial information as outlined in our Privacy Policy. All consultation discussions and personal financial data are treated with strict confidentiality in accordance with South African financial services regulations.

Service Disclaimers

Investment Performance Disclaimer

Our investment consulting services are provided for informational purposes and should not be considered as guarantees of future performance. All investment recommendations carry inherent risks including potential loss of principal.

Services are provided "as is" without warranties of specific investment outcomes or returns.

Limitation of Liability

Nivrestahub's liability for any consultation engagement shall not exceed the fees paid for that specific service. We are not liable for investment losses, missed opportunities, or market timing decisions made based on our recommendations.

Clients acknowledge that final investment decisions remain their sole responsibility.

Client Indemnification

Clients agree to indemnify and hold harmless Nivrestahub from any claims, losses, or damages arising from their investment decisions, failure to disclose relevant financial information, or misuse of our consulting services.

Service Termination

Either party may terminate the consulting relationship at any time with written notice. Nivrestahub reserves the right to discontinue services immediately if clients violate these terms or provide false information.

Upon termination, access to ongoing consultation services and proprietary materials will cease.

Governing Law

These Terms and Conditions are governed by South African law. Any disputes arising from our consulting relationship will be resolved through South African courts or binding arbitration as mutually agreed.

Terms Modifications

We may update these Terms and Conditions periodically to reflect changes in our services, legal requirements, or business practices. Clients will be notified of material changes through email or website notices.