Terms of Use

1. Acceptance of Terms

By accessing and using the montarviaweb financial services platform located at montarviaweb.com, 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.

These Terms of Use constitute a legally binding agreement made between you, whether personally or on behalf of an entity, and montarviaweb concerning your access to and use of our website as well as any other media form, media channel, mobile website or mobile application related or connected thereto.

We reserve the right to change these terms at any time. Your continued use of the platform following the posting of changes to these terms will mean you accept those changes.

2. Use License and Restrictions

Permission is granted to temporarily download one copy of the materials on montarviaweb's website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

• modify or copy the materials
• use the materials for any commercial purpose or for any public display
• attempt to reverse engineer any software contained on the website
• remove any copyright or other proprietary notations from the materials
• transfer the materials to another person or "mirror" the materials on any other server

This license shall automatically terminate if you violate any of these restrictions and may be terminated by montarviaweb at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

Account Registration

When you create an account with us, you must provide information that is accurate, complete, and current at all times. You are responsible for safeguarding the password and for keeping your account information current. You agree not to disclose your password to any third party and to take sole responsibility for activities that occur under your account.

3. Financial Services Disclaimer

montarviaweb provides business budget management tools and educational resources to help users better understand financial concepts and develop budgeting skills. We do not provide investment advice, tax advice, or recommendations for specific financial products.

All financial decisions should be made in consultation with qualified financial advisors who can assess your individual circumstances. Past performance of any financial strategies discussed does not guarantee future results.

• We do not guarantee any specific financial outcomes from using our platform
• Users are responsible for their own financial decisions
• Our content is educational in nature and not personalized advice
• We recommend consulting with certified financial professionals for major financial decisions

4. User Responsibilities and Conduct

As a user of our platform, you agree to use the service responsibly and in accordance with all applicable laws and regulations. You are solely responsible for the accuracy of any financial information you input into our systems.

Prohibited Activities

You agree not to engage in any of the following prohibited activities:

• Using the service for any unlawful purpose or to solicit unlawful activity
• Attempting to gain unauthorized access to other user accounts or our systems
• Uploading or transmitting viruses, malware, or other malicious code
• Interfering with or disrupting the integrity or performance of the service
• Creating false accounts or providing misleading information
• Sharing account credentials with unauthorized parties

Data Accuracy

You are responsible for ensuring that all financial data you enter into our platform is accurate and up-to-date. While we provide tools to help you manage your budget, the effectiveness of these tools depends on the accuracy of the information you provide.

5. Privacy and Data Protection

Your privacy is important to us. We are committed to protecting your personal and financial information in accordance with applicable privacy laws, including those governing data protection in South Africa.

We collect and use your information as described in our Privacy Policy, which forms part of these Terms of Use. By using our service, you consent to the collection and use of your information as outlined in our Privacy Policy.

We implement appropriate technical and organizational measures to protect your personal data against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

6. Intellectual Property Rights

The service and its original content, features, and functionality are and will remain the exclusive property of montarviaweb and its licensors. The service is protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our website without prior written consent.

7. Limitation of Liability

In no event shall montarviaweb, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the service.

montarviaweb's total liability to you for all damages, losses, and causes of action shall not exceed the amount you have paid to montarviaweb in the twelve (12) months immediately preceding the date of the claim.

Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so this limitation may not apply to you.

8. Termination

We may terminate or suspend your account and bar access to the service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.

If you wish to terminate your account, you may simply discontinue using the service. Upon termination, your right to use the service will cease immediately.

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

9. Governing Law and Jurisdiction

These Terms shall be interpreted and governed by the laws of South Africa, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

Any legal action or proceeding arising under these Terms will be brought exclusively in the courts of South Africa, and you hereby consent to personal jurisdiction and venue therein.

10. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days notice prior to any new terms taking effect.

What constitutes a material change will be determined at our sole discretion. By continuing to access or use our service after any revisions become effective, you agree to be bound by the revised terms.