Effective Date: August 13, 2024

These Terms and Conditions (“Terms”) govern your use of the NDW Financial Services website (the “Website”). By accessing or using the Website, you agree to be bound by these Terms. If you disagree with any part of these Terms, you may not access or use the Website.   

1. Use of the Website

The Website is for your personal and non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any content or information obtained from the Website.   

2. Intellectual Property

The content on the Website, including text, graphics, logos, images, and software, is the property of NDW Financial Services (Pty) Ltd or its licensors and is protected by copyright and other intellectual property laws.

3. Disclaimer

The Website and its content are provided “as is” and without warranties of any kind, express or implied. NDW Financial Services disclaims all warranties, including, but not limited to, warranties of merchantability, fitness for a particular purpose, and non-infringement. NDW Financial Services does not warrant that the Website will be uninterrupted or error-free, that defects will be corrected, or that the Website or the server that makes it available is free of viruses or other harmful components.   

4. Limitation of Liability  

NDW Financial Services will not be liable for any damages arising out of or related to your use of the Website, including, but not limited to, direct, indirect, incidental, consequential, punitive, or special damages.   

5. Indemnification

You agree to indemnify and hold harmless NDW Financial Services, its officers, directors, employees, agents, and licensors from and against any and all claims, demands, losses, liabilities, costs, or expenses (including attorneys’ fees) arising out of or related to your use of the Website.

6. Termination

NDW Financial Services may terminate your access to the Website for any reason, at any time, without notice.

7. Governing Law

These Terms shall be governed by and construed in accordance with the laws of South Africa.

8. Entire Agreement

These Terms constitute the entire agreement between you and NDW Financial Services with respect to your use of the Website.

9. Contact Us

If you have any questions about these Terms, please contact us at info@ndwfinancialservices.co.za.

10. Changes to These Terms

NDW Financial Services may update these Terms from time to time. We will notify you of any changes by posting the new Terms on the Website. You are advised to review these Terms periodically for any changes