Terms and Conditions

These Terms and Conditions govern your use of Learnfables's financial planning subscription services. By subscribing to our services, you agree to be bound by these terms. Please read them carefully before using our services.

These terms are effective as of the date you subscribe to our services.

Acceptance of Terms

By accessing our website, subscribing to our services, or using any of our financial planning tools, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree with these terms, please do not use our services.

Service Description

Learnfables provides monthly financial planning subscription services including investment strategy development, portfolio analysis, market insights, and personalized financial guidance. Our services are designed to help clients make informed financial decisions and work toward their investment goals through professional planning support.

User Eligibility

To use our services, you must:

• Be at least 18 years old and legally capable of entering into binding agreements
• Provide accurate and complete information during registration and subscription processes
• Comply with all applicable laws and regulations in your jurisdiction regarding financial services

User Obligations

As a subscriber, you agree to:

• Provide accurate, current, and complete information about your financial situation and goals
• Maintain the confidentiality of your account credentials and notify us of any unauthorized access
• Use our services only for lawful purposes and in accordance with these terms
• Make timely payments for your subscription and notify us of any billing issues promptly

Prohibited Uses

You may not use our services to:

Intellectual Property

All content, materials, and intellectual property on our website and in our services remain the property of Learnfables. This includes but is not limited to text, graphics, logos, software, and financial analysis tools. You may not reproduce, distribute, or create derivative works without our express written permission.

Payment Terms

Subscription payment terms include:

• Monthly subscription fees are billed in advance and are due on the same date each month
• All fees are quoted in South African Rand and include applicable VAT
• Payment methods include credit cards, debit cards, and electronic fund transfers

Refund Policy

We offer a satisfaction guarantee for our services. If you are not satisfied with our financial planning service within the first 30 days of your subscription, you may request a full refund. Refunds for subsequent months are evaluated on a case-by-case basis and may be prorated based on services received.

Limitation of Liability

Our liability is limited to the maximum extent permitted by law. We are not liable for indirect, incidental, special, or consequential damages arising from your use of our services or any investment decisions made based on our guidance.

Indemnification

You agree to indemnify and hold harmless Learnfables from any claims, damages, or expenses arising from your use of our services, violation of these terms, or infringement of third-party rights.

Termination

Either party may terminate the subscription:

• You may cancel your subscription at any time through your account settings or by contacting us
• We may terminate your subscription for violation of these terms or non-payment of fees

Governing Law

These Terms and Conditions are governed by South African law. Any disputes arising from these terms or our services shall be resolved through the courts of South Africa. We make every effort to resolve disputes amicably before pursuing legal action.

Changes to Terms

We may update these Terms and Conditions periodically. Significant changes will be communicated through email notification or website announcements. Continued use of our services after changes indicates acceptance of the updated terms.

Contact Information

For questions about these Terms and Conditions or our services, please contact us using the information below.