These terms govern your access to zarephionova.sbs and our consultation services, focused on financial safety net and risk-aware habits. Please read carefully before using our site or services in South Africa.
June 3, 2026
Consultations are intended for informational purposes relating to risk awareness and safety net systems. No personal finance management, investment, or legal training is offered. Results may vary.
Services are open to persons residing in South Africa aged 18 or over. Proof of eligibility may be requested.
Minors must not use our services.
By using our consultations or this site, you acknowledge:
You provide complete and accurate information relevant to your needs.
You will not misrepresent your intent or identity in consultation requests.
You will use information only for personal knowledge, not commercial redistribution.
You adhere to laws governing use of financial advisory resources in South Africa.
For clarity, these terms use defined concepts as below:
‘Service’: Accessing information or risk consultation via zarephionova.sbs or direct communications.
‘User’: Any individual accessing our website, requesting advice, or contacting us regarding services.
‘Content’: All site information, advice, articles, and consultation materials provided by zarephionova.sbs.
‘Consultation’: Personalized recommendations or communications for building financial safety routines.
You may not misuse our content or site.
Submitting false or misleading personal information.
Reusing, scraping, or redistributing content for commercial gain.
Seeking investment advice, portfolio management, or regulated financial planning.
Using the site in a way that violates South African law.
Attempting to bypass site security or infringe others’ rights.
All website content is owned by Zarephionova or its licensors and protected by copyright, trademark, and other applicable laws. You may use materials only as permitted by these terms. Unauthorised copying or modification is not allowed.
You may submit questions or feedback, but you are responsible for its legality and accuracy.
Rights to User Content
By submitting content, you grant us rights to use it to provide and improve our services, observing privacy standards.
We process your information according to our Privacy Policy, which forms part of these terms. Please review it to understand your rights and obligations.
Read Privacy PolicyAny disputes related to these terms or our services will be handled in accordance with South African law and our process below.
Our service does not guarantee identical client outcomes or remove risk entirely. Recommendations are not financial, investment, or legal advice. Results vary.
Warning on Claims
No outcomes (financial or otherwise) are guaranteed—past success does not predict future results. Use all advice at your own discretion.
We are not responsible for losses due to user errors, personal circumstances, or third-party policies. Your use is at your own risk.
You agree to defend, indemnify, and hold us harmless from claims, damages, or liabilities arising from your misuse or violation of these terms.
Disputes are first resolved by negotiation. If unsuccessful, arbitration in South Africa is required.
Arbitration decisions are binding, except as required otherwise by law.
You may also refer complaints to the designated online dispute resolution platform relevant to South Africa.
Learn about our complaints processAll terms are governed by South African law and courts. Users submit to this jurisdiction.
We reserve the right to refuse or terminate any service or account for violations of these terms. You will be notified if action is taken.
These terms may change. Updated terms are effective upon posting to zarephionova.sbs.
If any provision is found invalid, remaining terms will stay in effect.
These terms are the complete agreement about our service, replacing earlier understandings or representations.
Direct terms-related questions to our Cape Town office. We respond within regulatory guidelines.
Contact Email: content@zarephionova.sbs
Phone: +27(51)4565083
Address: 377 Rivonia Boulevard, Rivonia, Johannesburg 2128 South Africa
Effective Date of Terms: June 3, 2026
Version: 1.1