Welcome to Capnova! By accessing or using our website and services, you agree to comply with and be bound by the following Terms of Service ("Terms"). These Terms govern your use of our website, services, and any content, features, or applications we provide. If you do not agree to these Terms, please do not use our website or services.

1. Use of Services

Capnova offers investment consulting services designed to assist you in managing your financial goals. By using our services, you agree to provide accurate, current, and complete information as required for the services. You are responsible for maintaining the confidentiality of your account details and for all activities that occur under your account.

2. Eligibility

To use our services, you must be at least 18 years old and legally capable of entering into contracts in your jurisdiction. If you are using our services on behalf of a business or entity, you represent that you are authorized to bind the business or entity to these Terms.

3. Privacy and Data Collection

We collect and use your personal information in accordance with our Privacy Policy. By using our services, you consent to the collection and use of your data as described in our Privacy Policy. Please review our Privacy Policy for further information on how we handle your personal information.

4. Services Provided

Capnova provides a range of consulting services, including investment strategy development, portfolio management, financial planning, advisory services, and risk management. These services are subject to availability and may vary based on your specific needs and circumstances. We reserve the right to modify, suspend, or discontinue services at any time, with or without notice.

5. No Guarantees or Warranties

While Capnova strives to provide accurate, timely, and helpful advice and services, we do not guarantee the accuracy, completeness, or reliability of any information provided. All investment services carry inherent risks, and past performance is not indicative of future results. You acknowledge that you are solely responsible for making your own investment decisions and for any outcomes resulting from those decisions.

6. Fees and Payments

The fees for our services will be outlined in the service agreement provided to you. You agree to pay all applicable fees for the services you use in accordance with the terms specified in the agreement. All payments are non-refundable, unless otherwise stated. Capnova reserves the right to change our fees at any time, with prior notice.

7. Intellectual Property

All content on the Capnova website, including text, graphics, logos, images, and software, is the property of Capnova or its content providers and is protected by copyright, trademark, and other intellectual property laws. You may not use, reproduce, distribute, or create derivative works of any content from our website without our express written permission.

8. Prohibited Conduct

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

• Violating any applicable local, state, or national laws
• Engaging in fraud, misrepresentation, or deceptive practices
• Interfering with the operation or security of our website or services
• Attempting to gain unauthorized access to our website or services
• Using our services for any unlawful or prohibited purpose

9. Limitation of Liability

To the fullest extent permitted by law, Capnova, its directors, employees, agents, and affiliates will not be liable for any direct, indirect, incidental, special, or consequential damages, or loss of profits, arising from your use of our website or services, or from any content, information, or products obtained through the website, even if Capnova has been advised of the possibility of such damages.

10. Indemnification

You agree to indemnify, defend, and hold harmless Capnova, its affiliates, employees, and agents from and against any claims, liabilities, losses, damages, and expenses (including legal fees) arising from your use of our website or services, violation of these Terms, or infringement of any third-party rights.

11. Termination

We may suspend or terminate your access to our website and services at any time, with or without notice, for any reason, including if we believe you have violated these Terms. Upon termination, you must cease using our services and the website. Termination does not affect any accrued rights or obligations as of the date of termination.

12. Governing Law

These Terms are governed by and construed in accordance with the laws of South Africa. Any disputes arising from or related to these Terms will be resolved in the competent courts of South Africa.

13. Modifications to Terms

Capnova reserves the right to update or modify these Terms at any time. Any changes will be posted on this page with the updated "Effective Date." We encourage you to review these Terms periodically to stay informed about any updates or modifications.

14. Contact Us

If you have any questions or concerns about these Terms or our services, please contact us at:

Capnova
[email protected].