Terms and Conditions
These Terms and Conditions govern your use of the Chord website located at orivanteqlo.sbs. By accessing or using our website, you agree to be bound by these Terms and Conditions and our Privacy Policy. If you disagree with any part of these terms, you must discontinue use of our website immediately.
Last updated: April 8, 2026
Acceptance of Terms
By accessing and using this website, you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to these Terms and Conditions, please do not use this website. We reserve the right to modify these terms at any time, and your continued use of the website following any changes indicates your acceptance of the new terms.
Definitions
For the purposes of these Terms and Conditions, the following definitions apply:
Website refers to Chord and all its pages, subpages, content, and functionality operated by Chord, including all blog posts, articles, and resources related to financial planning.
User, You, and Your refers to any individual or entity that accesses, browses, or uses the website for any purpose, including reading content, subscribing to newsletters, or submitting comments.
Content refers to all text, images, graphics, data, information, articles, blog posts, comments, and other materials published on or available through the website.
Services refers to the information, resources, and tools provided through the website, including financial planning insights, budget control strategies, and educational content.
Permitted Use of Website
You may access and use the website for lawful, personal, non-commercial purposes only. You agree to use the website in compliance with all applicable laws and regulations. Commercial use, reproduction, or redistribution of website content without express written permission is prohibited.
Eligibility
By using this website, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into these Terms and Conditions. If you are accessing the website on behalf of an organization, you represent that you have authority to bind that organization to these terms.
Users under 18 must obtain parental consent before using this website.
User Responsibilities and Conduct
As a user of our website, you agree to the following responsibilities:
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Provide accurate, current, and complete information when submitting any forms, subscribing to newsletters, or creating user accounts on our website.
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Maintain the confidentiality of any account credentials and accept responsibility for all activities that occur under your account.
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Notify us immediately of any unauthorized use of your account or any other breach of security that you become aware of.
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Refrain from using the website in any manner that could damage, disable, overburden, or impair our servers or networks.
Prohibited Uses
You agree not to engage in any of the following prohibited activities:
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Using the website for any illegal purpose or in violation of any local, provincial, national, or international law.
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Transmitting any content that is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, or otherwise objectionable.
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Impersonating any person or entity, or falsely stating or misrepresenting your affiliation with a person or entity.
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Interfering with or disrupting the website or servers or networks connected to the website, or disobeying any requirements, procedures, policies, or regulations.
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Attempting to gain unauthorized access to any portion of the website, other accounts, computer systems, or networks connected to our servers.
Intellectual Property Rights
All content on this website, including text, graphics, logos, images, and software, is the property of Chord or its content suppliers and is protected by South African and international copyright laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, or exploit any of the content without our express written permission.
User-Generated Content
If you submit comments, feedback, or other content to our website, you grant us a non-exclusive, royalty-free, perpetual, and worldwide license to use, reproduce, modify, and distribute that content in any media. You represent that you own or have the necessary rights to the content you submit.
Responsibility for User Content
You are solely responsible for any content you post or submit to the website. We reserve the right to monitor, edit, or remove any user-generated content that violates these Terms and Conditions or that we deem inappropriate for any reason.
Privacy and Data Protection
Your use of the website is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using this website, you consent to the data practices described in our Privacy Policy. We comply with the Protection of Personal Information Act and other applicable South African privacy laws.
Privacy PolicyDisclaimer of Warranties
The website and all content are provided on an as-is and as-available basis without warranties of any kind.
No Financial Advice Guarantee
The financial planning information provided on this website is for educational and informational purposes only. It is not intended as professional financial advice. Results may vary. We make no representations or warranties regarding the accuracy, completeness, or suitability of any information provided. Consult with a qualified financial professional before making financial decisions.
Limitation of Liability
To the maximum extent permitted by law, Chord shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of the website.
Indemnification
You agree to indemnify, defend, and hold harmless Chord and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with your access to or use of the website or your violation of these Terms and Conditions.
Dispute Resolution and Governing Law
These Terms and Conditions are governed by the laws of South Africa without regard to conflict of law principles.
Arbitration
Any dispute arising from or relating to these Terms and Conditions or your use of the website shall be resolved through binding arbitration in accordance with the rules of the Arbitration Foundation of Southern Africa, rather than in court, except that you may assert claims in small claims court if your claims qualify.
You waive your right to a jury trial and to participate in class actions.
Online Dispute Resolution
The European Commission provides an online dispute resolution platform for consumers, which you can access if applicable. However, as we are based in South Africa, disputes are primarily governed by South African law and arbitration procedures.
EC ODR PlatformApplicable Law
These Terms and Conditions shall be governed by and construed in accordance with the laws of South Africa. The courts of South Africa shall have exclusive jurisdiction over any disputes arising from these terms.
Termination
We reserve the right to terminate or suspend your access to the website immediately, without prior notice or liability, for any reason, including if you breach these Terms and Conditions. Upon termination, your right to use the website will immediately cease.
Modifications
We reserve the right to modify or replace these Terms and Conditions at any time at our sole discretion. Material changes will be notified through a prominent notice on our website at least 30 days before the effective date. Your continued use of the website after changes become effective constitutes acceptance of the revised terms.
Severability
If any provision of these Terms and Conditions is found to be unenforceable or invalid under applicable law, such provision shall be modified to reflect the parties' intention or eliminated to the minimum extent necessary so that the remaining provisions shall continue in full force and effect.
Entire Agreement
These Terms and Conditions, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Chord regarding your use of the website and supersede all prior or contemporaneous communications and proposals, whether oral or written.
Contact Information for Terms
If you have questions about these Terms and Conditions, please contact us using the following information:
Email Address: content@chord.sbs
Phone Number: +27479191533
Mailing Address: Willowbridge / Tyger Valley, Cape Town South Africa
Effective Date: April 8, 2026
Version: 1.2