Terms and Conditions for Financial Planning Services

General Information Disclaimer

These Terms and Conditions govern your use of silverantomia.com Financial Planning Services, including our investment portfolio management, wealth management subscription, and related financial planning tools.

By subscribing to our financial planning services, you agree to these terms and acknowledge understanding of our approach to asset allocation, retirement planning, and budget optimization strategies.

These terms were last updated on June 13, 2025, and apply to all users of our tax strategy, risk assessment, and dividend growth advisory services.

Investment and Financial Risk Disclaimer

Key terms used throughout our financial planning services:

• • Financial Planning Services: Comprehensive investment guidance including capital gains optimization, market analysis, economic forecasting, and mutual funds research provided through our subscription platform.
• • Subscription Service: Monthly access to pension planning tools, insurance coverage guidance, estate planning resources, and debt consolidation strategies for R750 per month.
• • Investment Guidance: Educational advice regarding savings goals, inflation protection, financial advisor recommendations, investment research, and portfolio diversification techniques.
• • Wealth Management Tools: Digital resources for wealth preservation, income generation, financial security planning, retirement income optimization, and investment opportunities analysis.
• • Financial Independence Planning: Comprehensive strategies for wealth accumulation, financial consulting, investment guidance, financial education, money management, and investment strategy development.

Information Accuracy Disclaimer

silverantomia.com grants you a limited, non-exclusive license to access our financial goals planning, wealth creation resources, financial solutions platform, investment advice library, and financial services educational materials.

This license permits personal use of our portfolio optimization tools and related financial planning resources for your individual wealth management needs.

Limitation of Liability

The following activities are prohibited when using our financial planning services:

• • Sharing account credentials or subscription access with unauthorized parties
• • Reproducing or distributing our proprietary financial planning methodologies
• • Using our platform for commercial financial advisory services without authorization
• • Attempting to reverse engineer our investment analysis algorithms
• • Violating applicable financial regulations or securities laws
• • Using our services for illegal investment activities or fraudulent purposes

Results and Performance Disclaimer

Our financial planning subscription service operates on a monthly billing cycle at R750 per month, providing access to comprehensive investment portfolio guidance and wealth management tools.

Subscription renewal occurs automatically unless cancelled according to our cancellation procedures. Price changes require 30 days advance notice to active subscribers.

New subscribers receive immediate access to all financial planning tools, investment guidance resources, and financial education materials upon successful payment processing.

External Links and Third-Party Content

Payment for financial planning services is processed according to these terms:

• • Monthly subscription fees are due in advance of service period
• • Accepted payment methods include major credit cards and electronic bank transfers
• • Failed payments may result in temporary suspension of financial planning access
• • Refunds are processed according to our cancellation and refund policy

All fees are quoted in South African Rand and include applicable taxes. Payment processing is handled by secure, certified financial service providers.

Professional Advice Disclaimer

You may cancel your financial planning subscription at any time through your account dashboard or by contacting customer support at info@silverantomia.com.

Cancellation takes effect at the end of your current billing period. You retain access to financial planning tools until the end of your paid subscription period.

Refunds for partial months are not provided except as required by applicable consumer protection laws.

Testimonials and User Experience Disclaimer

All content, tools, methodologies, and resources provided through our financial planning platform are proprietary to silverantomia.com and protected by copyright and intellectual property laws.

Our investment analysis frameworks, financial planning templates, and educational materials remain the exclusive property of silverantomia.com.

You may not reproduce, distribute, or create derivative works from our financial planning content without explicit written permission.

User Responsibility and Indemnification

When you provide information, feedback, or participate in our financial planning community, you grant silverantomia.com permission to use this content to improve our services.

You remain responsible for the accuracy of financial information you provide and must ensure compliance with the following guidelines:

• • Provide accurate and truthful financial information for planning purposes
• • Respect the privacy and confidentiality of other users
• • Avoid sharing sensitive personal financial details in public areas
• • Comply with applicable laws regarding financial information sharing

Changes to This Disclaimer

Your privacy is important to us. Our comprehensive Privacy Policy explains how we collect, use, and protect your financial planning information.

By using our financial planning services, you consent to our privacy practices as outlined in our Privacy Policy, last updated June 11, 2025.

Contact Information for Disclaimer Questions

Limitation of Liability

silverantomia.com's liability for any claims related to financial planning services is limited to the amount paid for subscription services in the preceding 12 months.

We are not liable for investment losses, missed opportunities, or consequential damages arising from use of our financial planning recommendations.

Our financial planning services provide educational guidance only and do not constitute guaranteed investment advice or fiduciary services.

User Indemnification

You agree to indemnify silverantomia.com against claims arising from your use of our financial planning services, violation of these terms, or breach of applicable laws.

This indemnification includes legal fees and costs related to defending against claims related to your financial planning activities.

Service Termination

silverantomia.com may terminate your access to financial planning services for violation of these terms, non-payment, or other legitimate business reasons.

Upon termination, your access to financial planning tools and resources ceases immediately, though you may retain downloaded educational materials for personal use.

Termination does not affect accrued payment obligations or clauses intended to survive termination.

Governing Law and Disputes

These terms are governed by South African law, and any disputes will be resolved in South African courts with jurisdiction over silverantomia.com's principal place of business.

Both parties agree to attempt resolution of disputes through good faith negotiation before pursuing formal legal proceedings.

Terms Modifications

silverantomia.com may update these terms to reflect changes in our financial planning services, regulatory requirements, or business practices.

Material changes will be communicated via email to active subscribers with 30 days notice before taking effect.

Continued use of financial planning services after terms updates constitutes acceptance of the revised terms.

Contact Information for Terms Questions

For questions about these Terms and Conditions or our financial planning services, contact silverantomia.com at info@silverantomia.com, +27 80 678 9012, or 25 Queen Victoria Street, Cape Town, 8001, South Africa.